vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-05-13 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax is listing a XXXX debt which I do not owe XXXX, I have sent a dispute to Equifax and they stated they verified so I took it upon myself to contact XXXX which XXXX confirmed I do not owe them ANYTHING. This is wrong information listed. Please help as Equifax is doing nothing about this issue. It is a XXXX account XXXX I want this removed, There is also a public record listed from a XXXX XXXX which is also inaccurate and nothing happened when I disputed I also want removed

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-28 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
After calling Equifax on XX/XX/XXXX, I was told that a negative item ( charge-off ) with XXXX which has a balance XXXX ( PAID OFF ) was going to be deleted from my credit report in XX/XX/XXXX following the 7 years-rule for charge-offs deletion since my first day of delinquency was XX/XX/XXXX. Today, after speaking with Equifax again, I was told over the phone that this negative item will no longer be erased from my credit report in XX/XX/XXXX. Apparently, they reset the clock to XX/XX/XXXX because this negative was reported as paid off in XX/XX/XXXX. Moreover, the Equifax representative misled me into believing that the first day of delinquency was the starting date for the 7 years-rules for deletion of negative items. Everything was set for this item to be deleted but suddenly Equifax comes up with new rules. I, hereby, would like to please ask the Consumer Financial Protection Bureau to investigate my case requesting XXXX to honor their agreement with me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-03 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I transferred a balance to this XXXX card in XXXX of 2016. Once it was there I transferred it to another institution, this allowed me to get a fixed rate of 5.99 % for the life of the balance. As soon as the balance hit the XXXX account, I transferred it to the final card account. That transfer cleared XXXX on XXXX XXXX, 2016. At that point there was a bit of interest accrued for sitting there, so I submitted a payment of the remaining balance, which cleared XXXX on the XXXX of XXXX, bringing my balance to {$0.00}. There was no way in the XXXX online system to get a payoff balance for the card, so the only amount I had was the current amount due to bring it to {$0.00}, which I paid. I subsequently closed the account with XXXX and had {$0.00} balances on anything remaining at XXXX. I received electronic statements as well. Apparently XXXX charged me interest in XXXX, since my accounts were at {$0.00} and I had electronic statements, I actually did n't realize I had been charged this incorrectly on my account. I did receive a physical statement in XXXX, after the amount was 30 days past due. I called XXXX at that time and they refused to remove the amount that was due on the account. During my dispute process the account went to 60 days past due. XXXX is reporting this to the credit agencies as well. On XXXX XXXX XXXX finally credited my account of the incorrect charge and brought it to a zero balance. I filed a dispute with XXXX in XXXX to have the credit reporting fixed, which was denied by XXXX. They beleive they are reporting it correctly, which they are not, and XXXX refunding the amount should make this clear that it was through no fault of my own. The total charge was around {$4.00}, which is disputed. I asked XXXX to fix my credit report, they did not. I escalated it, and XXXX still refused to fix my credit report, or unreport the disputed amount with the credit agencies. This is my last resort, as this error by XXXX has cost my FICO score about XXXX points over the last 3 months. Please advise on how I can get XXXX to correct this issue. 

Thanks, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-11 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Unlimited Progress Corp
State: IL

Complaint narrative:
I submitted a dispute through the Credit Bureau 's and on the first contact from this agency they did not inform me of my right to dispute this debt, nor my right to request verification. They instead said " If you are one of those fortunate people to receive a tax refund, we suggest you take this opportunity to resolve your account ( s ).

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-30 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
They have person information on my credit report that is inaccurate. I would like to up date and remove any person information that is n't current. Names, address and phone numbers.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I sent a letter and among other issues asked that inaccurate late pay information be removed from the payment history on a mortgage I had with XXXX # XXXX. They deleted the ENTIRE trade line instead!!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
please refer to case # XXXX with regards to a brief history and enclosed documents

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-05 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have disputed to Equifax Dispute # XXXX with a letter from XXXX Bank saying to remove the XXXX hard pull credit inquiries on my credit report. 
Equifax responded and said it was factual after I have sent copy to them of a letter from XXXX bank saying that it will be removed from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Hello I am writing with a severe cmplaint. There are a number of erros and collection files on my report that dpo not belong to me. They need to be removed ASAP. 
** XXXX - {$520.00} ** XXXX XXXX - {$430.00} ( Acct # XXXX & XXXX ) ** XXXX - {$75.00}, {$69.00} and {$59.00} ** XXXX XXXX XXXX - {$95.00} I have previously demanded the CRA remove these entries under my name or show just proof that they belong to me. I have never had an account with any of these companies and am again demanding that these entries be removed asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
After complaining to both XXXX XXXX ( XXXX ) ( formerly XXXX ) about how they wrongfully booked their payments for XX/XX/XXXX and XX/XX/XXXX late and reported to Equifax. They corrected and took off my credit record, but then miraculously the next year changed the so called late payments to XX/XX/XXXX and XX/XX/XXXX. This is follow up on former correspondence and payments that were and still are falsely reported on my credit reports with all agencies. The accompanying literature documentation shows the gross mishandling of credit reporting and devious and false representation. 
Under my rights of the FCRA I demand you immediately take off all negatives regarding my reporting to credit agencies, all of them. You can readily see the gross conduct in mishandling payments and reporting by the inclusions. 
1 ) Letter to XXXX on XX/XX/XXXX 2 ) Follow up letter to that letter on XX/XX/XXXX 3 ) Credit report XX/XX/XXXX 4 ) Credit report XX/XX/XXXX 5 ) Credit report XX/XX/XXXX You can readily see that at one time XXXX reported me never late to XXXX on XX/XX/XXXX. Yet in same month XXXX to Equifax and XXXX I was late on XX/XX/XXXX and XX/XX/XXXX for 30 days. After I sent in complaint letters and many credit reports later it is indeed off for that XX/XX/XXXX and XX/XX/XXXX mentioned above, and miraculously now it indicates I was late XX/XX/XXXX and XX/XX/XXXX instead.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Someone used my Identity to open a line with XXXX XXXX, I fought the dispute thru my Life Lock account and they contacted XXXX and after much research XXXX determined It is not my account and I had no charges. XXXX sent me an email with conf # XXXX saying they will send it to all XXXX credit companies. I am still disputing this with equifax and I do n't know if its also on XXXX. Equinox says its still showing and it wo n't go away in 2 years? they should remove it because its hurting my score.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-21 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Creditor : XXXX XXXX XXXX XXXX XXXX is reporting inaccurate information to Equifax , XXXX, and XXXX. I have disputed it and Equifax will not provide me any assistance because they say it was verified as accurate. The issue is that I had a credit card and a car loan. Georgia power is duplicating each account to be spiteful because I threatened to sue them. They are reporting the duplicates with different open dates and account numbers. I only have XXXX auto loan and XXXX credit card. In XXXX case, thy use my member # whereas in the other case they use the account number.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
Although I have filed bankruptcy and this was discharged in XXXX 2014, I am still battling with the credit agencies and creditors to reflect accuracy - this inhibits the ability to move forward and gain a credit history ; which was the ultimate goal of going to this extreme. I am simply trying to face forward and establish some positivity out of a horrendous situation. However, it has been months and they seem to discredit my claim. This is why I turn to this portal and request some assistance they may take a little more seriously ... thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-05 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: NH

Complaint narrative:
Good Evening My mortgage is with NationStar Mortgage located in XXXX Texas. I have always paid my property taxes on my own, and then all of a sudden NationStar decided to create an escrow account and wants to charge me another XXXX dollars a month ( completely unacceptable ). I have called and sent them numerous secure messages, but they are giving me the runaround. As you can imagine, this is hurting my credit severely and I need your help resolving this issue ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
XXXX XXXX XXXX ACCOUNT # XXXX FRAUD ACCOUNTQUALITY XXXX ACCOUNT # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-09 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Cadillac Accounts Receivable Management
State: MI

Complaint narrative:
collection agency contacted me about a medical bill, a single bill. But when they reported it to credit agencies, they listed it as XXXX separate bills, and then lumped it all together into a XXXX bill to the credit monitoring agencies. I only have XXXX unpaid bill that the Veterans Affairs did not pay, not XXXX. If I add up the XXXX bills they broke the XXXX into, it 's more than what I owe total. I owe about {$3700.00} that the VA did n't pay, but if you look at the claims, I owe almost {$10000.00}, which I do not.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-06 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: DE

Complaint narrative:
My loan to value % is under 78 %. I have called my mortgage servicer several times about the automatic termination of PMI. They refuse to remove it, and only reference the 80 % threshold which is a different issue, and request for me to pay for an appraisal and use those values. After several phone calls I submitted a letter on XX/XX/2017 with us codes attached. I received an email stating they were received, and I have all that information. 
I called them again and spoke to a representative, they still would only discuss the 80 % threshold and acted as if the 78 % law did not exist. 

Homeowners Protection act states in code 4901 ( 18 ) The term " termination date '' means -- ( A ) with respect to a fixed rate mortgage, the date on which the principal balance of the mortgage, based solely on the initial amortization schedule for that mortgage, and irrespective of the outstanding balance for that mortgage on that date, is first scheduled to reach 78 percent of the original value of the property securing the loan. 

So an appraisal is not needed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-20 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BB&T CORPORATION
State: NC

Complaint narrative:
BB & T has built a history of questionable and in my opinion, illegal activity. My house burnt to the ground, Myself and my family lost every single piece of anything that was n't attached to our skin. My insurance company was trying to give us money so we would n't be homeless, after hours of XXXX XXXX and myself trying to get the bank to allow us access to the check they finally allowed it. We went to purchase basic goods with this money and our card was declined. We called the bank and were told that we were only allowed to spend a certain amount. This was our money that the bank spent all that time to approve us to have, they approved it to be our funds and then did not allow us to purchase what we needed to. This money was ours and the bank said they do n't allow us to spend more than a certain amount of our own money. We called all the way to the executive offices for BB & T and were told the same thing, the bank was holding our money without our consent. Previously the bank has taken our XXXX funds, when we called we had to go to XXXX different departments because everyone said they had no idea where my money went, finally when I got to the " right '' department they said they took my {$2500.00} and were holding it because they said I deposited too much into the account, they did n't give MY MONEY back for XXXX more days. Recently they closed my account without notifying me in any way. When I called they said it was because I used the account too much, again MY MONEY that they keep feeling like they can take, hold and make disappear whenever they want. Even when they knew my house burnt down and I had nothing they still did not even think about allowing me access to MY MONEY so I could purchase things for my family. This bank charged an " OLB banking '' fee for a year after I cancelled a connected account but only credited the month that I called to complain about it, they have duplicated transactions and put us into overdraft and said they only would " forgive '' XXXX overdraft exception per year. The XXXX, NC Branch needs to be investigated but their entire executive team down to their branch has shown issues.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: NM

Complaint narrative:
My credit score is being lowered simply because I have an inquiry. I 'm a full time student in a XXXX program and have applied to private and subsidized lenders for student loan funds. As a result, my credit score is effected because they automatically check my credit when applying. In addition, I 've applied to a couple of credit cards which appear to have better interest and/or point program, but not necessarily going to take the line of credit. THIS DOES NOT MAKE ME A RISK!!!!! If I 'm not paying my bills or paying late I can understand that having a impact on my credit score, but IF I AM PAYING MY BILLS AND PAYING ON TIME, WHY SHOULD MY CREDIT SCORE GO DOWN!!!!!!!!!! I think this is unethical, unreasonable, and unacceptable!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-26 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc.
State: AZ

Complaint narrative:
My loan servicer is Seterus, About 6 months ago I received assistance from XXXX XXXX, XXXX. I have been making payments on time since then, however ; my payments are posted late every time, and Seterus is known to post late payments and collect those fees as well making my mortgage amount short and making me fall behind. Now on my credit bureau show 30 day late making my score low, I want this problem to stop and fixed by XXXX, Seterus ... I am tired of Seterus calling and sending me notices, now XXXX is calling me with options. I do not need their assistance at all. Stererus has a bad reputation through California and now Arizona regarding these late payments.. I can go back a yaer and a half to show where we have been at with our mortgage..

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Equifax and XXXX are reporting my Home Equity Line of Credit debt / balance as " Revolving Debt. '' However, they are not reporting my HELOC credit limit as part of " Revolving Credit. '' As a result, my credit report from these agencies shows Revolving Credit Usage exceeding 100 %.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-22 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
due to the Bank checking on fraud ( which I understand ) they denied a transaction at a local ATM due to me being out of state. ( again which I understand ) I called the bank and although in a public place require me to give my social to access the account. I asked if there is any other way and they refused to help me. I then requested a manager and they repeatedly put me on hold and then the same person gets on the phone and even though I explained to her earlier that I am XXXX miles from a branch she says they will not help me and I need to go to the Branch. After asking for the manager again and waiting on hold almost 20 minutes she hangs up on me. Can someone please help me. It 's my money and they are holding it hostage.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 2016-03-28 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
1.XXXX reported that my bill was paid as a charge -off, fixed rate. The date stated opened on XX/XX/XXXX ; date of last payment as XX/XX/XXXX. To the contrary, I paid the entire bill amount I owed, so IT WAS NOT A CHARGE-OFF. 
2.XXXX stated XXXX XXXX XXXX XXXX was owed {$160.00} on XX/XX/XXXX. The status showed D-Unpaid. I paid the bill in full for medical/health care. 3.XXXX XXXX XXXX was paid {$980.00}. Date assigned XX/XX/XXXX ; status D-Unpaid

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-15 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Equifax is still reporting a loan default, that 's over 7-years old on my credit report. They are the only credit reporting agency, that 's keeps on Reporting. This has affected me on purchasing a loan for my lending company, i was denied. XXXX & XXXX did their investigation and deleted it from my credit report already. This has been going on over 4- months. That 's the reason this investigation. Thank you!

Company response to consumer: Closed with explanation