vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-09-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Ive been writing and mailing Equifax to remove erroneous information off my credit report, however, they are refusing to properly investigate my proof and correct the information.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I was a victim if identity theft and bank account take over from XXXX. I filed on all XXXX credit bureaus a freeze and fraud alert in XXXX. Equifax is trying to tell me the alerts have just been put on there XXXX. Obviously not true. I have a credit report from XXXX that clearly states when the report was put on all XXXX Equifax continues to state the freeze was not put on there until XXXX. Why would I put an alert on there in XXXX when I have n't used credit since XXXX. However, negative inaccurate information keeps popping up from XXXX. I call almost everyday and get told different things and I also keep getting told these negative accounts will be removed on certain days. This keeps getting prolonged. I have the documentation when I began disputing the inaccuracies. The first XXXX was XXXX XXXX, XXXX. I spoke to a woman named XXXX who would not give me her employee number. She again lied and told me the freeze was not on the credit until XXXX. I also provided them with XXXX complete police reports, certified letters sent to the companies that are reporting inaccurately, a notarized FTC statement along with a letter. According to the fair credit reporting act, negative information is supposed to be blocked out when proof is provided that is is the result of identity theft. I have spoken to the Attorney General and FTC. They have told me that Equifax is not in compliance and based on the statue could be held negligent for not removing and blocking the information. Evidently, this company has not responded in over 30 days. I have been made to wait almost 90 days and they refuse to delete the item. Any time I send in further evidence, they start a new investigation prolonging the current XXXX. I told them I felt they were doing this intentionally. The representatives lie and are very rude and unwilling to help. I have not utilized credit since XXXX. Equifax is also not following the statues put in place to protect identity theft victims from this sort of thing. Equifax has blocked me out of reviewing the status of the disputes and on the telephone, the representative told me I would have to wait for the mail to see what has been updated. I am sending in a complete package with all of the violations and all of the times I requested this to be deleted. You will see it began in the first week of XXXX XXXX. Equifax is intentionally causing these issues. I told them I needed to repair my credit in hopes of qualifying for a housing program for my children and mother. I have been told so many dates that the investigation would be complete. Equifax is lying. With the documents sent, Equifax is supposed to follow the statues. They are not. The bottom line is they are lying and they need to correct my report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am writing because there are some errors on my credit report and they belong to my sister and my mother. My name is XXXX XXXX, and I am continually linked to my mother, XXXX XXXX, and my sister XXXX XXXX. I can not change my address because whenever I have my mother and sister 's mail is redirected as well. I have realized that this is due to errors on my report. I have never lived in XXXX, MA. My sister, XXXX XXXX has. I have also never had a XXXX credit card, this account belongs to my sister as well, and I need it to be removed from my financial record. We are XXXX different people, with similar names and addresses, until recently, but we do not share a social security number. I need my account separated from my mothers and sister 's as I plan on moving and purchasing a home. My sister had been dealing with the XXXX crediting companies for many years, trying to separate her financial record from my mothers, but I do not understand how this could be hurting me as well, since I do not share the same first name with my mother or sister. The XXXX crediting agencies have made these errors on my report and have not corrected them, thus I thought to report it once again before seeking legal action. I have attached copies of our XXXX different passports, in the hopes of showing XXXX different individuals, whom happen to be related, not the same person.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-29 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
In reviewing my most recent EQUIFAX report, I noted " hard inquiries '' were made into it by XXXX XXXX on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX as well as by XXXX on XXXX/XXXX/XXXX. As all three were to have been done as " soft '' inquiries, I want EQUIFAX to delete them ASAP as required by Federal Consumer law. I have asked REPEATEDLY for this to be done and have had no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-20 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
Tried accessing my free reports on two different sites. Neither one will give me access! One says my info is wrong and the other got to security questions based on info from my report, but the info did not match anything I know to be true. Something is very wrong here. I have had a woman that attempted to use my identity before in 2010, kept me from getting a job and that employer had to run an investigation to prove it was false. I am freaking out here, because the security questions were on the subject of a home loan, credit card and bank card, in which the first two I have never done and the third did not match up to my bank that I have had for some time now.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-09 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: U.S. BANCORP
State: KY

Complaint narrative:
Us bank allowed my now x- husband to resign a loan on our house without me beigining there and he was able to forger my name and my co worker, which is was convicted of forgery for it and forced me into bankruptcy when I tried to do a charpter XXXX they would not work with me because of him. 
they filed nothing on my x husband and I have to file the charges and now they have put it on my credit report and it should not be there, 1 - I filed bankruptcy on them 2- they allowed to forger my name I was told to contact you to get this removed

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 2017-02-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I had multiple collections removed from my account, from dispute, all in which are 2+ years old.. within a weeks time these where all added back onto my credit reports as OPEN accounts, adding to my balances ... THESE NEED TO BE REMOVED! they where disputed and removed, and now have been added back on! how is this possible?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-26 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX, 2017, To whom it may concern, I am writing to dispute the information on my public record. This information does not pertain to me, it is inaccurate. The information below must be removed from my credit report as soon as possible. Thank you for your attention in this matter. 
XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Equifax : XXXX. Public Records This section includes public record items Equifax obtained from local, state and federal courts through a third party vendor, XXXX. They can be contacted at : XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX Bankruptcies

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Dear CFPB, I am trying to resolve a credit reporting issue with Equifax concerning a negative item that appears on my Equifax report. This is a XXXX utility account that shows a balance and is being reported as a closed account and in collection. I spoke with a CS Rep. named XXXX, and regarding our conversation, this company refuses to verify the debt as due and owing by I, XXXX XXXX XXXX. It appears to be reporting as XXXX tradelines on Equifax. As noted on the report, this account is under dispute by consumer and reinvestigation is in progress. When a investigation of an account is in progress and a consumer is disputing an item on their reports, the CRA is to give the consumer whether via email, if preferred or in writing via regular mail, give a status update as to how long the investigation will take. I have not received any such accomodation from Equifax. As per the FCRA, the the CRA is reponsible for accurate reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-02 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
I have several addresses that come back on my credit report that I have never resided. I have written in a description, Also my middle name is spelled incorrectly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-18 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
i recently had a fraud alert in place. i ordered a credit report and noticed there were many things included in that report that were not authorized by myself. I later disputed the items they were all removed ( XX/XX/2016 ) and then days later they were added back ( XX/XX/2016 ) i tried speaking with the company ( Equifax ) as well as faxing them supporting documents they refuse to admit they were at fault and told me to start the dispute process over ... ... it is not fair to me that once successfully completing the dispute process and getting the results craved that the company adds them back and without any reason and or written notice ... ...

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
a fictisous name appears on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-31 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Equifax on XXXX/XXXX/XXXX sent a copy of my credit report including my SS # and credit information to an old address where I have n't lived since XXXX XXXX. And thus put me at extreme risk of identity theft. Equifax did this despite refusing online to give me a copy of my annual credit report because they could not confirm my identity and current address! I sent Equifax in XXXX and XXXX XXXX my correct address both online and by mail with copies of indentifying documents requested to verify my identity and current address. I think it only fair that the CEO of Equifax be ordered to send me his SS # and credit report so that I can then send it to WHO-EVER I want and expose him to the same risk of identity theft that he exposed me to. XXXX and XXXX did not do this, what the XXXX is wrong with Equifax?! Maybe I should be talking to an attorney for compensation.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-25 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I have an Initial fraud alert on my Consumer credit report. I have reports from XXXX XXXX and XXXX XXXX Fraud department saying they are removing Hard Inquires from my report. I have other hard inquires on my report I believe to be in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Equifax is report an item from XXXX with an open balance. This account was included in a chapter XXXX bankruptcy that finalized XX/XX/XXXX also the account from XXXX is showing an open balance when it was also included in the bankruptcy

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
My XXXX student loans defaulted and I have been paying The Law Offices of XXXX XXXX XXXX, XXXX. I paid off one of my loans in full and even have a letter from the lawyers office saying so. It still says I have a balance of {$75.00} on my credit report. I tried contacting the lawyers office and they told me to contact XXXX who has done nothing but hang up on me and say its not their problem. I am not sure what to do at this point to get this off my credit report as everyone is just pointing fingers.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-03 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PLANET HOME LENDING, LLC
State: TX

Complaint narrative:
Green Planet never changed the status of my foreclosure on my home to reflect it was closed until my employer informed me in XXXX XXXX that my job was in jeopardy due to this discrepancy. I contacted Green Planet in XXXX XXXX after my home was officially no longer mine as of XXXX XXXX to dispute that I still owed a debt for this home. I disputed the status of the foreclosure, which finally lead them to close it in XXXX XXXX. I am currently trying to purchase a home and have been denied by the underwriter due to the incorrect closing date of the foreclosure. It currently reflects XXXX XXXX, however it needs to reflect the correct date of XXXX XXXX.

Company response to consumer: Closed
Consumer complaint received 2015-10-12 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: CREDIT BUREAU OF NAPA COUNTY, INC.
State: GA

Complaint narrative:
I am receiving constant calls from Chase Receivables regarding a medical debt I never received a invoice from the original provider. I spoke with the the collection agency several months ago and requested documentation on the charges. I provided a supervisor my name and address and told them I would research and call them back. I never received anything from Chase Receivables. Chase has continued to call my home phone number XXXX to XXXX times a week.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-08 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Freedom Mortgage Company
State: DE

Complaint narrative:
Freedom mortgage over charged me {$820.00} for my escrow account. I am retired and this has a significant impact on my budget. I learned that they over charged me when I got a refund check in XXXX. I questioned this and got a response with a lot of inaccurate information. I sent them a response to their letter on XXXX XXXX and have not gotten a response to date ( XXXX/XXXX/16 ). I left XXXX messages for XXXX XXXX XXXX and have not gotten a return call. Finally on ( XXXX/XXXX/16 ) I spoke someone on the escalation team and I told them that I expected a response to my letter.

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 2017-03-01 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Avant Credit Corporation
State: FL

Complaint narrative:
I called in to tell Avant that I was unable to make payments since I am out of work. Though, I wanted to work to lower the interest and continue making payments when I found work. 

However, I called in to ask for help and four times ( on two different cell phones ) their agents hung up on me. They would not assist with lowering my monthly payment until I received another job and instead kept my ACH payment. 

I was forced to place a stop payment on my account to prevent them from over drafting it. Now they call me upwards of five times a day to try to get payment. 

It was already a predatory loan with 36 % interest, but this is getting ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-03 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Southern Oregon Credit Service, Inc.
State: OR

Complaint narrative:
Found an unresolved account on credit report. Called Southern Oregon Credit Services to resolve account in full. Receptionist asked for billing address and transferd call, collection representative began call with no information confirmation. I requested rep verify my personal info to make sure correct account info was being taken. Rep was short and unprofessional, asking me if " I was always this rude on the phone ''. I paid the debt in full, and requested receipt. I requested and email receipt and an email, both options the rep offered. Rep became upset stating I could have one receipt or the other, not both. The representative continued to speak in a demeaning and rude manner. I requested to speak to a supervisor. A supervisor came on the line and again, I was disregarded and treated rude.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed
Consumer complaint received 2015-06-18 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: U.S. BANCORP
State: DC

Complaint narrative:
Online Account Information with US Bank does NOT provide customer 's current interest rate information. This information is only offered on paper statements ( or PDF images of same ). 
If banks want to move to paperless systems the customer should be able to view ALL the data that is provided on paper statements and should not be required to make a special request for it to be mailed. It makes no sense. Thank you!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: U.S. BANCORP
State: OR

Complaint narrative:
US bank foreclosed on my home. They had tried to foreclose once before but they did not have title so they had to rescind the foreclosure and start again.US bank did not have title, XXXX had title and so after my attorney pointed out their error ( and only after my attorney threatened more legal action ) US bank rescinded the foreclosure. I asked US Bank to prove that they had the original promissory note and to show that it had transferred into their hands legally but they did not prove it. The promissory note was signed in blank without dates or notary. I had to demand during discovery that they give me the MIN report which shows the record from the XXXX data base. I finally got the MIN report which showed that the loan had gone into a trust on one document but was US bank on another.If the loan went into a trust then US bank can not foreclose only the trust has that right. US Bank had tried this before as I stated but only rescinded due to threats from my attorney. The attorney for US bank claimed that the loan did not go into a trust. I did not have enough money to continue litigation with US bank so they were able to foreclose. They did not have the right to foreclose unless they own the note and title and can prove it. How can the loan have been held by US bank and also be in a trust? US bank did not prove that they had the note or that it did not go into a trust. Why does the MIN report show a different owner of the note? US bank has not been forthright. It took me dropping out of the litigation to even get the MIN report. You can see that the promissory notes were signed in blank. US bank only lets up view their sloppy records as they do not want to incriminate themselves.They will not even give you any proof of ownership of the note when demanded in discovery. How can they be allowed to foreclose without clear proof that they own the note and have title? US bank has the funds to hire top notch attorneys and keep us in litigation until we can not fight anymore. It should be their responsibility to prove that the note is original through chain of title, transfer of funds ( purchase of note ) or some authentication before they are allowed to foreclose. US bank was NOT cooperative. US Bank was very deceptive.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: FIRST NATIONAL BANK OF OMAHA
State: AL

Complaint narrative:
On my credit report the creditors that are reporting late payments have been submitted under the freedom debt relief program. The companies are continuing to report negatively when they know they have been contacted by this company for a debt settlement. If you would look at my credit report before the program which I started in XXXX, my credit for paying bills on time was 99 %. The creditors have also been contacted not to call me and but they continue to do so anyway. So my problem is very difficult for me when I have always paid on time but to see my credit score drop drastically as like it has is devestating. It 's an unfair practice for creditors to continue negative reporting when they know the circumstances of the consumer. It 's like they are trying their best to sabotage a consumer 's credit history. It should be something done so that they would not to continue to report negative reports when they know the consumer has contacted them concerning debt relief.

Company response to consumer: Closed with explanation