vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-04-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In XXXX I realized I was XXXX. I applied for XXXX, and then I applied for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, when I was needing help. I was successful in receiving XXXX XXXX XXXX, but, was not successful with XXXX 's XXXX XXXX. XXXX started to make negative postings on my credit. Missed payments of late payments. I was able to catch up with payments with XXXX, but in XXXX XXXX, when I made my last payment to XXXX card service, that was never posted on my credit report. It started to show that I was late with XXXX payment by XXXX then XXXX days. Then, XXXX sent me a letter offering to let me reapply for XXXX XXXX XXXX, I did, and sent a copy of my XXXX award letter, along with proof I had been working at that time, and a Doctor 's signature and DX. Then, I got a letter saying that I was approved for XXXX XXXX XXXX, for XXXX forward and not XXXX forward, ( date XXXX found me XXXX ). Ok, great. I got a check for " fees '' for {$910.00} from XXXX XXXX XXXX, but, no changes on my credit report. Next, XXXX sends me email saying I was not responding to an earlier email, ( which I did not receive ) but because XXXX had closed my credit card in XXXX, I could not access the system. I called XXXX, and a woman said she could fix the credit reporting, but, pushed me to accept ro-bo callings. My credit has still not been fixed. 
I am trying to buy a house and lower my monthly expenses, but XXXX 's years of bad credit reporting has my credit score in the XXXX 's. How can I fix that?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: Quality Loan Service Corporation
State: CA

Complaint narrative:
Since quality loan response to CFPB XX/XX/XXXX various agency assisted with matter to provide new information. 
Quality Loan Servicing was the foreclosure and eviction attorney forXXXX XXXX California XXXXQuality Loan Servicing legal for eviction did not notice the court of the bankruptcy stay XX/XX/XXXXThe foreclosure XX/XX/XXXX appears to be void able based onInvalidity of notary XXXX XXXX XX/XX/XXXX foreclosure documentThe notary was unable to confirm any such document exist in notary journalCurrently my interest remains in propertyThe certified documents are being sent by certified mail to CFPB

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-06 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have incorrect information on my equifax credit report. I just contacted equifax again today to request an updated report and was told I already received my free report for the year. I explained that I am on public assistance and XXXX and I have things in dispute and would like to see an updated report. I again was told they will not send me an updated report for free.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I recently tried to purchase a car and when my credit report was pulled up. It showed that I was on collection/public record with statefarm. A company that I have never done business with. Ever since I started driving my insurance companies have been allstate and travelers. I suspect that this may be someone else with my same name. I have n't been able to access any of my annual credit reports and I have the same suspicion that someone with my same name. Every time that I tried requesting my reports it would tell me that my information was insufficient to confirm my identity and match my credit. I desperately need a car but I refuse to be given an interest rate based on credit scores that do not accurately represent me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-24 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I have XXXX student loans with Chase. The monthly payment was around {$500.00}. I made a lump sum payment on XXXX of the loans. I did not request that my monthly deduction/payment be reduced. Chase automatically reduced my monthly deduction/payment from my checking account without my consent and I ( and may be others ) are now having to bear a higher interest cost as a result. The servicer will not increase my amount back up without submitting a signed request. Seems unfair that the reduction in paying towards principal happens automatically but restoring it back to the higher amount so that more is paid against the principal is harder.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-01 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I recently requested an investigation on my credit report for XXXX separate items you 've come back on the XXXX and claim that you have verified that all XXXX belong to me which I find extremely odd considering that none of them belong to me the first XXXX is XXXX XXXX XXXX account number XXXX the second XXXX is XXXX account number XXXX how is it possible that you were able to verify that these accounts belong to me if you look at my credit report if you look at all three credit reports it is very clear that I was a victim of identity theft there are alerts and freezes on my credit report there are warnings about variations of my social security number being used there have been addresses that I have never lived at for example like XXXX XXXX where they have mailboxes that I do n't have XXXX at so of course they 're able to verify some basic information of course my name possibly the address things like this if the Criminal Who open these accounts did n't have the majority of the basic information he would n't have been able to open the accounts to begin with I mean there 's even been police reports filed and investigations I want a detailed explanation of how you came to the conclusion that these XXXX accounts belong to me I want to know all the identifying information that was used to verify these accounts because they do not belong to me they were open by someone else not myself and I am not liable the third account is the public record in XXXX Michigan case number XXXX this case is a little bit more complicated the credit card that sued me was for a furniture store once again the account was opened fraudulently XXXX XXXX the company everybody agrees at this point and the Judgment has been vacated this should not still be showing up on my credit report again if you have verifying information that it should I want a detailed explanation of everything that was provided to you by law I 'm entitled to this explanation if you 're unable to provide an explanation that I expect all XXXX of these accounts removed immediately they do not belong to me

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have XXXX medical collections showing on my credit report as " unknown '' creditor. I have notified Equifax on several occasions that these do not belong to me. I have n't been to a doctor or hospital in the past 9 years. Since the creditor is n't listed on my report I ca n't even dispute them with the creditor. This is totally unfair to me because I pay my bills on time and have excellent credit except for these erroneous accounts. It is making my insurance premiums higher, I ca n't apply for credit and it effects my job search.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-21 00:00:00
Product: Prepaid card — Payroll card
Issue: Adding money — 
Company: Empowerment Ventures, LLC
State: MA

Complaint narrative:
Hello, I am Rushcard customer. I still have not received my payroll direct deposit, which was due on XXXX/XXXX/2015. They also zeroed out my account of the funds that were there prior to the " upgrade ''. When I called, I was in the call que for as long as XXXX hours before being disconnected. Once I did get through, I was given the generic answer and apology. They sent emails and texts letting us know that this upgrade was coming, but when everything went awry there was no communication at all. Then when they finally did send an email, it was about waiving all the fees during the holidays but the problem still is not resolved! Not only could people not receive funds but they could n't take any out or make purchases. I had to ask my employer to do a reverse direct deposit to get my paycheck back and that is going to take 3-5 business days! I have a family to feed, bills to pay and am in the process of moving. This is unacceptable! 

Now I completely understand the situation but it should and could have been handled better than this. I was pleasant each time I called. ( XXXX times called, got through once ) I will no longer be doing business with Rushcard. 

Thank you for listening.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-07-27 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am filing this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.

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 — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
I have incorrect information in my credit reports as well as information that has been previously deleted and has now been reinserted using slightly different information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-02 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Multiple wrong address information..on my XXXX, XXXX and Equifax credit files XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX../..XXXX XXXX XXXX XXXX, XXXX XXXX../. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX../.. XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX ../.. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ../.. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ../.. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ../.. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ../.. XXXX XXXX XXXX XXXX, XXXX XXXX ../.. XXXX XXXX XXXX XXXX, XXXX XXXX ../.. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ../.. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ../.. XXXX XXXX XXXX XXXX, XXXX XXXX ../.. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ../.. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ../.. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ../.. 
XXXX XXXX XXXX XXXX, XXXX XXXX ../.. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ../.. 
XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX ../.. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-25 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc.
State: GA

Complaint narrative:
Seterus will not send me copies of my statement from the month of XXXX 2015 thru XXXX 2015. Their excuse is that I was automatically enrolled ( without consent or notification ) in a program which called for me to use coupons ( which I never received ) to make my mortgage loan payments. I was told on XXXX XXXX, 2015 the statements from XXXX thru XXXX 2015 would be mailed to my address. It was also my understanding that I would have access to the statement online. XXXX 2015 thru XXXX 2015 are available online. XXXX thru XXXX 2015 are not available online.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-09 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC.

Complaint narrative:
I 'm a XXXX XXXX XXXX in XXXX and I was n't able to submit an electronic request for my credit report from my country of service. I had a friend in America navigate the website for me while I was skyping him and we could n't get through the security questions for XXXX and Equifax. None of the questions they asked applied to me and then I was blocked from getting their credit reports. When this happened I was told to submit a written request for my credit report with identification and a current bill. I had my mom, who has power of attorney for me, send in the form with my identification and a note explaining that I am in XXXX and have no current bills and they refused to send her a credit report on the basis that she is a third party and that I could n't provide a current bill, of which I have none. 
If there is incorrect information on these reports from XXXX and Equifax , this is the SECOND time they will have negatively affected me. I have student loans coming my way that depend on a good credit check and if I ca n't get them, I ca n't go to XXXX XXXX. 
I am a volunteer so I literally can not afford to be calling all the time, especially when this should be a simple task. My email is in my contact information and I want you to only contact me that way unless you want to take charges for international calling.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-14 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
Equifax has an account ( XXXX ) listed on my consumer report that is derogatory. The account has been closed for over 8 and a half years and they refuse to remove it from the report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-26 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
I sent in information to show I got married AND changed my first name to you and XXXX. You both sent me back something and needed more information and I mailed that back weeks ago. XXXX has my correct name now. You do not. Please get this changed so I can apply for a credit card with my legal name on it and get approved.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-02 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
There has been an incorrect removal of numerous trade-lines, causing damage to my credit rating. Given the significant weight given by the CRAs in calculating ones ' credit score, the unauthorized deletion of decades of positive trade lines is a gross violation of fair credit reporting practices, to say the least, and actionable by the injured consumer. it seems shockingly inappropriate that the entities charged with a fiduciary duty in collecting and managing the public utilization of credit resources, are able to so negligently permit this to occur, without any mechanism of prevention, to insure accuracy and integrity of the credit reporting function.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-04 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am filing this complaint because Equifax has ignored my request to open investigation in regards to accounts listed on my credit report. Being that they have gone past the 30 day mark and confirmation shows they have received my dispute over 30+ days ago, under Section 611 ( 5 ) ( A ) of the FCRA XXXX they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: RoundPoint Mortgage Servicing LLC
State: GA

Complaint narrative:
In XXXX 2016, I filed for a modification. My single point of contact was XXXX XXXX. Once all of my documents were received and processed, I was told that my modification worked on a 3 month trial run and that I had to make those 3 months on time and then it would go permanent. I was also told that my 1st payment was n't due until XXXX XXXX. That left me open for XX/XX/XXXX & XX/XX/XXXX. I asked XXXX XXXX several times on more than one occasion and another rep that I called in and spoke with about those XXXX in between payments. My question to them was did I have to make those payments and with me missing those payments would that be reported to the credit union as late since I 'm doing a modification. I was told by XXXX XXXX and another rep, that what happens is once your modification goes permanent, they would go back and update the months from XX/XX/XXXX to reflect current. I am now trying to get a loan to update some things around my house and the credit bureaus are showing me as 6 months late. I have not been late, as a matter of fact, my mortgage is paid before the XXXX of the month. I 've since then ( in the last 2 weeks ) have been calling Roundpoint and getting the run around and also being told there 's nothing they can do because I was misinformed. How dare they! So now, I 'm being penalized because you have people misrepresenting your company. I told them several times, if they documented my account they can go back and listen to all of the recordings to see what I was told. My sister cosigned for me on my loan there 's no way I would mess up her credit along with mine. Now they do n't want to correct what they 've messed up. I can show bank statements where my note has been paid on time and if they can produce the calls you will clearly hear them tell me that they will go back to update that information. This is bad business and they act as if it 's not an issue for them.

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 with explanation
Consumer complaint received 2015-05-13 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I paid my credit card off last year. XXXX XXXX is still reporting that I have a balance on the account. This information is incorrect, it also shows that I was late numerous months. I have disputed this several times with all XXXX bureaus and they refuse to remove it. It shows that I have a balance of {$290.00} as of XXXX/XXXX/XX/XX/2015

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-30 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have disputed various occasions with EquifaxXXXX to protect my XXXX XXXX XXXX XXXX XXXX XXXX XXXX and permanently remove and Delete all collections and unauthorized hard inquiries and inquiries from my credit file. 
Equifax and all credit reporting agencies has allow collections companies and attorneys Law Firms and creditors do whatever they want. 
There is a " Fraud Alert " on my credit reports with Equifax XXXX that l requested to be removed and Delete Permanently but credit reporting agencies has n't remove or delete from my credit files. 
Equifax XXXX can not implement and allow collections companies and attorneys Law Firms to report any collections and delinquencies and inquiries and unauthorized hard inquiries and inquiries on my credit reports. 
I am XXXX and Retired and protected under Federal mandated XXXX XXXX XXXX 
Also with respect and request that Equifax XXXX to implement on my credit reports that l retired XXXX on XXXX XXXX XXXX XXXX XXXX to update my credit. 
My credit scores are suffering in the XXXX scores mark because of Equifax XXXX allowing collections companies and attorneys Law Firms do whatever they want with my credit. 
I am a XXXX Military Veteran. 
This is a urgent matters.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-18 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
Credit reporting agencies reluctancy to remove negative reports from my credit report, these items were paid in full, and yet the Equifax shows these items as charge-offs. I have attached supporting documentation as proof of payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My personal information was leaked or stolen in late XXXX and has been used to obtain medical accounts, loans, and education in my name. I was barely legal I 've been aware of this but had no resource or way to fix it. Tried disputing accounts, tried locking my credit, tried calling the places, and even changing my social. Was n't until last year I did more research on how to take control of this. My wife and I both have been affected and have managed to buy stuff given this, and when we spoke to the police department they did n't have many answers just to either go to the credit bureaus or change my name because they said it was common? I 've been compiling evidence or proof against the creditors and credit bureaus because they do n't seem to care or they think I 'm lying. Figured this was my last stop or just wait seven years I guess for this to fall off my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I was reviewing my credit report and notice inquiries that are not mine and was not authorize.

Company response to consumer: Closed with explanation