vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-02-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I relocated to the XXXX area for work and rented a small apartment for 6 months. The last month 's bill was not forwarded to my address which I had left with the rental agency. The debt of {$59.00} was sold to XXXX XXXX XXXX by XXXX XX/XX/XXXX, XXXX years after I had moved out of the apartment. I was not aware of the any debt being owed to XXXX. When contacted by XXXX, I stated I was unaware of the debt, but researched it and determined I owed the amount. I agreed to pay XXXX and was told that my credit bureau would not be impacted due to the circumstances. That payment happened on XX/XX/XXXX. I have followed my credit bureau and my scores have been in the XXXX since that payment was made. My last update was on XXXX and my score was XXXX. On XX/XX/XXXX I applied for a mortgage and was told that my credit score had dropped to XXXX. This was due to a collection account being reported by XXXX XXXX XXXX . The same account that I had paid XX/XX/XXXX. I had contacted the company and was told that the account had a XXXX balance and was being reported as paid in full, which it was, but was also showing as a collection account. What does n't make sense is that XXXX reported the account as a collection account 7 months after it was paid in full and had not been reporting on my bureau during the months in between. They offered to send me a letter confirming a XXXX balance. I inquired as to why I was told by one of their agents that this would not impact my credit when I paid it and was informed that it was their policy to report accurate data to the credit bureaus within 45 days of a debt being assigned to them for collection. I asked for a supervisor and was denied. After a second call, I asked for the trade line be removed and explained my entire situation again. I asked for a billing dispute team and was informed that they would look into pulling the original call to determine what was communicated to me. I attempted to call back a third time to lodge a formal dispute, but was unable to get through to an agent. I was forwarded directly to a voicemail at XXXX est. I made multiple attempts with the same result. I disputed the trade line with XXXX, will file a dispute with XXXX and attempt to contact XXXX again. I do n't see how this company can place a trade line on my bureau 7 months after I paid as agreed in full and was told that it would n't impact my credit. I am looking for XXXX to live up to the agreement we made XX/XX/XXXX and remove this negative mark on my credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-03 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
There has been an open XXXX XXXX account on all my credit reports every month since XXXX 2008 that they ( XXXX XXXX XXXX can never seem to find in their system. I want to close it but they are no help at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
On XXXX/XXXX/15 I was charged with a high balance of {$1900.00} From XXXX XXXX XXXX XXXX, which was last reported on XXXX/XXXX/15. And on XXXX/XXXX/15 I was charged with a high balance of {$840.00} from XXXX, which was last reported on XXXX/XXXX/15. I 've never been affiliated with either creditor. These do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-23 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 have a bad connection for my account all my family member, I have called XXXX several time and saying they have a problem on the net work will resolved it, also said they have an extension due to a lot of customer using their net work, then I went on vacation while I request them to put all the XXXX lines on my account on seasonal hold but with out success and keep charging the full charge without using their line. and finally I decided to discount the line and I am calming a refund for the three months they charge {$310.00}, {$460.00} and {$320.00} for the months XXXX/XXXX/2014 till XXXX XXXX2014 and when ever I dispute with the collection agencies no response. and I surprise this issue went to my credit report, therefore I totally dispute the issue and request XXXX to refund my money I have n't used their service during the period above and I deport my line and my family lines due to their net work problem. thanks and best regards XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-03 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
My son 's name is similar to my name. He has very bad credit, including judgments against him. My credit was very good until his information started being reported on my credit report. We discovered this last year ( XXXX ) when my wife and I were building a new home. We contacted all XXXX credit bureaus asking them to delete my son 's information. For some reason, Equifax did not fix their errors. We have contacted Equifax by phone, by letter and by submitting a dispute via the internet. We have been trying to get our fixed rate loan since XXXX and are getting denied because of my son 's information on the Equifax report. They 're saying that rates are probably going up and we want to get locked in at the lower rates. It should not take XXXX more days to fix something that they were told about a year ago.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-20 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I filed some disputes with Equifax XX/XX/2015 and since then Equifax has locked me out of obtaining my credit report. Everytime attempt to pull my report with either a credit monitoring agency or a creditor, Equifax renews a 90 hold on my credit file and notifies XXXX and XXXX to have them place holds on my credit report as well. It seems that the XXXX agencies are trying to punish me for filing disputed with them. I have called numerous times and written to Equifax requesting that this hold be lifted.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have tried to dispute this issue with the credit reporting company but they will not answer the phone when I call. I can not go to them directly because I live in XXXX TX and they are in XXXX XXXX, TX ( I 've never lived there ). This account/apartment is for my son who is attending college in XXXX, TX. I applied to be his guarantor but was denied. When he was asked to vacate, the complex listed this as an individual account on my credit report and not to the person who was/is responsible for the debt. I do not have a copy of the denial because it was never sent to me, I was just told I was denied over the phone with XXXX of the leasing agents

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-12 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
A medical office sent a bill to collections that was not suppose to be sent because. They where suppose to automatically with draw from my account and did not. So it was sent to collections. But it has since been pulled from collections because of there mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I recently pulled my credit report and there are fraudulent addresses as well as accounts that do not belong to me. 
Fraudulent Addresses 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-Fraudulent Name 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 explanation
Consumer complaint received 2017-03-13 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Seterus, Inc.
State: IL

Complaint narrative:
I am extremely disturb of the way my loan has being handle by Seterus. I was offer a trial payment for the amount of {$2000.00} for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. That is not acceptable because is higher than my regular mortgage payment. Therefore I am not able the make those trial payments. I was paying {$1100.00}. before I started to fall behind. I am in need of assistance for a better workout option. My home now has a sale date for XX/XX/2017. However Seterus never postponed my sale date even though I was approved for a trial. I am more than sure that Seterus is involve in fraudulent and deceptive practices in order for them to foreclose me. I have summited a complete modification packet since XX/XX/2017. Seterus was taking forever to cancel the current trial therefore my packet was not able to start the review. I am tired of the excuses I keep getting by Seterus a need a solution an a detail explanation of why my packet has not been review for a better workout.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-16 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Billing dispute
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
i paid XXXX long time ago and the collection is still on my credit file the collection agency is refusing to remove the collection XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-03 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: ME

Complaint narrative:
There are multiple debts form XXXX collection agency listed on my credit report. Equifax is the difficult XXXX. I disputed with XXXX I was not notified of the debts or collection accounts and they removed them. Equifax, even when told the same cause, will not, even when I tell them the collection agency never notified me of these debts and I was not aware of them ( as an option to chose from ) they still keep stating it is my debt and wo n't remove it still. I tell them I should have been notified, nobody is proving if I was or was not notified in any way giving me a chance to review the debts and respond to them before they went to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX - XXXX XXXX XXXX DISPUTES THIS ACCOUNT INFORMATION XX/XX/XXXX {$550.00} OPEN ACCOUNT {$550.00} COLLECTION ACCOUNT XX/XX/XXXX {$550.00} This account should be closed not opened because they charged an overcharge for am agreement not legally appropriate since I never signed to extend my offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-30 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Applying for credit to buy a newer auto just this past Friday, the credit union rep on the other side of the desk told me everything was good except for a tax lien showing on my credit report. I immediately went to my county courthouse to investigate this item to find that this tax lien had been released and got XXXX copies of the XXXX pages before saying several thank yous. XXXX copy went back to my credit union rep and came home to scan the pages onto my computer to be attached to this dispute form.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-26 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: Seterus, Inc.
State: IL

Complaint narrative:
XXXX was approved for a XXXX trial, with payments from XXXX. He completed the trial. I was told that documents were in process of being drawn up before I left for vacation in XXXX. Upon my return in early XXXX I contacted Seterus and was told the final modification documents were sent out to the borrower XXXX/XXXX/15. Borrower never received those documents. I then made a call to Seterus XXXX XXXX and was told the documents were going to be faxed to me since the mailed copy never got to the borrower. They told me it would take up to 48 hours. I made calls to them the XXXX, XXXX, XXXX and XXXX following up on the status of the faxed documents. Each time I was told they were escalating the request and to check my fax within 48 hours. On the XXXX they told me they would put a rush on the request. I called to follow up again today after not finding my fax and was told that the reason I have n't received he fax is because they have n't sent it due to a " litigation '' preventing them from sending the documents directly to me or the borrower. I was told it had to be delivered from their attorneys directly to the borrowers attorney, or directly to the borrower. After a whole month waiting to receive he documents via fax they tell me that!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-02 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC.
State: OH

Complaint narrative:
Ally Financial reported false information about me to multiple credit bureaus.

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 2016-06-02 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc.
State: AZ

Complaint narrative:
Completed a loan modification with XXXX XXXX in XXXX. As part of the process XXXX started foreclosure proceedings, however completed loan modification instead. No fees for foreclosure were charged to me because XXXX chose to complete modification. In XXXX XXXX sold my loan to Seterus Inc. Seterus has been demanding that I pay a significant amount in fees and penalties. After multiple requests from me Seterus finally sent me a breakdown of these fees, showing that they are related to foreclosure procedures by XXXX. Since XXXX completed my loan modification, these fees can not be charged to me as XXXX did not charge me. 
Documents available on request.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Equifax continues to report information that is inaccurate and should have been removed per XXXX XXXX debt XXXX and XXXX XXXX Bank. 
Both companies have stated through my CONSUMER Financial Protection bureau complaint they have sent documents to have this removed from the credit companies. All have removed these items except for Equifax. This is affecting my credit score and ability to get certain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I had an account go to collections fall of XX/XX/XXXX. I made arrangements w/ the collection company and paid the account in full. XXXX XXXX the collection company reported to the credit bureaus that the account was paid and it was removed from my credit reports. Now, the account has re-appeared on my credit reports showing the account in collections. I do not have any accounts in collections even though my reports show that I do.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-07 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I wrote Equifax over 6 weeks ago. They have not responded to my request for an investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-20 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 the only company that repeatedly says I do not know my own information, therefore refuses to allow me to access my account online to be able to dispute inaccurate information. Disputed information with XXXX zero problems. Equifax asks verification questions I am answering correctly, yet they say it " does n't match their records. '' This is done purposely, and is fraud. XXXX of the questions they asked were about a mortgage I 've never owned. Answered None of the Above. XXXX was about the auto loan I just paid off. Answered that correctly. XXXX was about a credit card opened. Answered it correctly. So you see despite giving the correct information, Equifax refuses to allow you to dispute inaccuracies easily in the same fashion as everyone else. PUT THEM OUT OF BUSINESS!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-27 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc.
State: AL

Complaint narrative:
Original Servicer for my Mortgage was XXXX XXXX XXXX who went bankrupt and sold my loan to XXXX XXXX, then sold to XXXX ( XXXX ), who stated during the time of the loan, there had been no payments for the past 389 days. In the mist of resolving the problem ( during my own investigation, retrieving documents from XXXX XXXX verified since all payments were sent by US Mail, because checks were not permitted while in Chapter XXXX. XXXX sold the loan once again to Seterus and added {$25000.00} to the loan. Home purchased at $ XXXX on XXXX XXXX XXXX. While in Chapter XXXX, since XXXX fees were assessed, cost of misc issues assessed. I have a copy of the letter sent to me from XXXX XXXX stating the monies sent to XXXX XXXX for payment of mortgage. I was not sure where to start here but I knew as soon as my BK was cleared I could take some kind of action. I could not afford a Lawyer because all my funds were accounted for. During this time I had to file BK to save my home, we have been in the home for 8 years. Seterus offered me a modification at {$44.00} less than my original payment of {$1700.00} which did not help after 6 months to process. They offered me nothing at this point accept for the XXXX options : Deed in Lieu, Short Sale, or Foreclosure. I have opted to use the Deed in Lieu, which was the only viable option and protect my credit from further damage. In XXXX became XXXX and had to retire from my job which was a lost of $ XXXX a year. This is just the nuts and bolts of this claim and this has had a detrimental effect on my wife and I, who is XXXX as well. I asked for a VA Loan since I am a XXXX year Veteran and they gave me the rules in spite of this gross error in accounting and servicing of my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-23 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I have had a collection reappearing on my credit report that was settled through in house financial aid at the facility this debt originated from. This prior to any collection or charge off appearing on my credit. This is a bad debt that has been shopped to many collection agencies and is becoming an extreme burden to the point of harassment for me to continuously be finding illegitimate debts appearing in the form of collections on my credit reports at all the reporting agencies. This is a debt that I have had to have removed from all of my credit reports from all XXXX agencies, multiple instances, from multiple collection companies and again am put into a position where I must dispute information on my reports which I have already had previously removed. This being the fifth time I must dispute this same bad debt. Upon attempting to dispute on this occasion Equifax has made it increasingly difficult for me to dispute this debt as they now will not let me access the online dispute system and are forcing me to fax my dispute with a copy of my identification in order to file a dispute. This is extremely tedious and something I should not be forced to do seeing as though this bad debt should not be allowed to be continually allowed to be reinserted into my credit file. They are the same debt shopped to different collection agencies ; sometimes even the same collection agency with slight different names or names with acronyms instead of the full company name. These are dishonest practices and this has come to an extreme point where I feel it necessary to involve an outside agency in hopes this debt will not keep unacceptably reappearing on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-12 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have disputed the public record and it was deleted due to being wrong and Equifax listed it again with less information before after it was removed. I also have several other account that i disputed errors and they removed them only to add them back without no response in the mail. I called them to get more information on why they did so and they rep told me that they were correct and verified. I asked why didnt i get a letter to let me know the results when they were re added to my report and he stated they dont have to notify anyone once items are reinserted back on your report. Also i inquired about an auto loan that i am not reliable for and i asked if they could send me the contract to verify that i was on the account and he told me to get it from the actual company. I got the contact information from him to contact he company and when i called they informed me that since the account isnt in my name i am only associated with the account holder by residency i could not get paper work on the account sent to me. 
Judgement # XXXX no date, court name or status reported. 
XXXX XXXX # XXXX No response from company reinserted XXXX XXXX # XXXX no response back from credit bureau reinserted XXXX # XXXX the account that i cant get paperwork on because i am not on the account. 
XXXX # XXXX No contact information listed after reinsertion

Company response to consumer: Closed with explanation