BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-01-13
Company: WELLS FARGO & COMPANY
State: TN
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
Simply put, Wells Fargo sent me a letter on XXXX saying that my home loan adjustable interest rate is now 3.00 %, and starting XX/XX/XXXX my adjustable interest rate would remain 3.00 % for a year. On XX/XX/XXXX I received the exact same letter stating that starting XX/XX/XXXX my home loan adjustable interest rate is now 3.375 %. 
I relied on the XX/XX/XXXX letter and did not refinance.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-07
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I have a bankruptcy reporting on my credit report from XXXX that I have been dealing wit equifax wit for several months.I have wrote SEVERAL letters disputing this bk, On XXXX! XXXX XXXX I put A security freeze thur XXXX.They EQUIFAX said has since said on XXXX and yet again on XX/XX/XXXX.that they VERIFIED this Information using XXXX XXXX. On XXXX/XXXX/XXXX I contacted XXXX XXXX and spoke wit Agent XXXX # XXXX she said that Equifax " DID NOT '' VERIFIY any information using them because of my security freeze placed on XXXX/XXXX/XXXX. So therefore this Bk needs to be removed from credit report. Its also very shameful for Equifax to hurt people trying to do better,

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-11
Company: Daniels Norelli Scully & Cecere, P.C.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I entered into a settlement agreement with this debt collector where i agreed to pay {$100.00} a month beginning XXXX till XXXX. After which i would discuss how much i could pay going forward. I authorized to have the payments automatically deducted from my checking account for the above period. The collector continued to take {$100.00} out of my bank for the months XXXX without my permission. The debt collector admitted to taking the funds without my permission and has threatened to seek a judgment for the remaining balance. What can i do.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-11-03
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I an writing in regards to my credit balance with XXXX XXXX XXXX. I currently have a maximum credit limit available to me of {$800.00}, which I have owed over {$790.00}. However, I have paid this credit card down to {$280.00} and this amount has not been reported on my credit report. Therefore, my credit card utilization is incorrect and reflects inaccurate information ... which has reduced my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-03
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
First let me be clear, I 'm I am not disputing that I own the account, I am disputing the amount owed reporting and the fact Equifax DOES NOT verify with the tradeline furnisher for each investigation. I am also building a on my case against Equifax ( see case XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Equifax Information Systems , LLC ) I Pulled my credit report this week and it only shows balance of {$620.00}. However I know for a fact that amount is not true. I have attached a screenshot showing that I paid an amount that cleared my account XX/XX/XXXX, therefore the amount showing as of today is incorrect and under FCRA this should be removed. This is the second time within a 30 day period this has happened. I have until XX/XX/XXXX to show cause as why I would like to proceed in continuing sue Equifax. This will be a reason why.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-08
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I am trying to refinance my property and the bank pulled a copy of my credit report from Equifax. In the report it shows I have XXXX public records " Judgements '' against me ''. I contacted XXXX XXXX Superior Court and forwarded the copy of court hearings I was involved with showing there is not a Judgement against me and forwarded a copy of actual minutes and certified orders and final rulings to Equifax. 
Although it shows both cases where dismissed and no Judgement was issued against me Equifax refuses to correct its records and remove the public records from my credit report. I have written to them and called them several times but they refuse to comply. I was even forced to become their member so they can discuss my case and was forced to pay several fees at the end they just took the money and did not help me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-14
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I 've been disputing items on my EQUIFAX Credit Report for over a year. I 've submitted police reports and grand jury indictments which I also uploaded to your site. EQUIFAX has done nothing to delete the fraud information or place a block on the disputed accounts so that they 're no longer on my report. Both XXXX and XXXX XXXX immediately took action and removed the fraudulent information and blocked the fraud from ever reporting again. EQUIFAX has done nothing. Police report and Grand Jury Inductment were already uploaded on my past request, but I 've heard nothing back.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-14
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I tried loading my Equifax report via www.annualcreditreport.com, and the link to access my annual credit report did not work. I tried refreshing it and it would not let me access it, saying I had already received my free annual credit report from Equifax. I tried to follow up with XXXX and had the same thing happen. Please process this complaint ASAP, as I need these reports for an ongoing bankruptcy case already in progress.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-11
Company: Caliber Home Loans, Inc.
State: TN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I have requested a modification on my XXXX and XXXX mortgage which are interest only loan with Caliber Home Loan and they are refusing to give me mortgage assistance.I have submitted financials and the modification request several times and they refused to work with me, my loans are interest only loans and the interest rate is adjusting increasing my monthly mortgage payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-19
Company: WELLS FARGO & COMPANY
State: MN
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
When depositing a pay check through Wells Fargo mobile app, the deposit has always been available immediately. When using the service today, I get an email after the fact stating that the funds were not going to be available until tomorrow - leaving me with an overdraft on my account, and NO money for groceries today. I tried calling Wells Fargo at their helpline ( XXXX ) to ask if it could be reversed so that I could take the check to the bank and cash it there. They said that that was impossible. It should also be noted that my paycheck is also issued from a Wells Fargo account. When I talked to them - they said that in the terms and conditions ( many pages of fine print ) they state that some times they require overnight processing. I find this ridiculous since it is from Wells Fargo to Wells Fargo. I had been given that warning in the App, I would have walked to the bank and cashed it there and I would have had cash in hand. The check was for {$2500.00} - which is within the limits permitted in the App. I have confirmed with my employer that the funds went out of their account immediately - so this is simply a ploy by Wells Fargo to earn interest on my money.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-22
Company: Seterus, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
On XXXX XXXX, XXXX we received a discharge on our Chapter XXXX. Shortly after, we got a modification on our first mortgage with XXXX. XXXX was unable to find the paperwork on the HELO loan. This resulted in XXXX filing a foreclosure. On or about XXXX XXXX, XXXX, Chapter XXXX was filed. It was agreed that {$500.00} per month would be paid to XXXX until the back interest was paid. 

On XXXX XXXX, XXXX, XXXX transferred the servicing of the XXXX Mortgage to Seterus. At the time of the transfer, the XXXX Mortgage was current. The following has become an issue:XXXX Seterus claims that the XXXX Mortgage is in default. 
XXXX. Seterus applied to the court to get the payments for the HELO transferred to themXXXX. Seterus will not give statements showing any credits to the account for the regular payments made by me and the payments they fraudulently received from the trustee. 
XXXX. Seterus did not respond to the " Notice of Error/Information Request/QWR '' thus violating itXXXX. The Chapter XXXX payments have been redirected back to XXXX but Seterus has not returned the payments collected back to XXXX. 

A letter Notice of Error/Information Request/QWR ( See Attached ) letter was sent to XXXX and Seterus to address these issues. While XXXX has been diligent in trying to rectify the issues, Seterus has all but ignored them. The only response from Seterus was that the claim is valid. I never asked for confirmation of the claim. I will attach a copy of the QWR. It is my contention that Seterus is acting in a manner to force the loan into default.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-27
Company: NAVY FEDERAL CREDIT UNION
State: NJ
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
ALWAY UNAUTHORIZED TRANSACTION AND BEING ALLOW TO WITHDRAW FROM MY ACCOUNT AND CREDIT BEING APPLY TO CLOSE AND FRAUD ACCOUNTS AND STATE THE NAVY FEDERAL CREDIT UNION POLICY AND PROCEDURE STATES THAT ALL CREDITS SHOULD BE APPLY BACK INTO THE FRAUD THAT CLOSE AND THE MAKE CHANGES TO MY ACCOUNT WITHOUT NOTIFICATION AND MY ACCOUNT IS OVERDRAWN LEAVING RESPONSIBLE TO NEGATIVE AMOUNT. PLEASE SEE BELOW THE ACCOUNT TRANSACTION AND INVESTIGATE THE ALL PRODUCTS AND SERVICESXXXX : XXXXLast signed on XXXX/XXXX/2015 My Settings Mobile Help CalculatorAccount SummaryTransferseDepositsBill PaySpendingAccount ServicesEveryDay Checking - XXXXPrintEDIT ACCOUNTSAvailable Balance $ XXXXCurrent Balance - $ XXXXLast Statement BalanceEnding XXXX/XXXX/2015 | Suppress Paper Statements - $ XXXXAdditional Account Information Scheduled TransactionsDate Description AmountThere are no transactions to display. 
Transaction History Download TransactionsAllSelect RangeDate Description Check # Type Amount BalancePending Transfer To Other Debit - {$120.00} $ XXXXPending Adjustment Credit {$530.00} $ XXXXXX/XX/2015 Adjustment - Cr Credit {$60.00} - $ XXXXXX/XX/2015 Adjustment - Cr Credit {$29.00} - $ XXXXXX/XX/2015 Insufficient Funds Debit - {$29.00} - $ XXXXXX/XX/2015 POS Adjustment - XXXX XXXX XXXX CT Credit {$19.00} - XXXX XXXXXX/XX/2015 Dividend Credit {$0.00} - $ XXXXXX/XX/2015 Overdraft Protection Fee Debit - {$60.00} - $ XXXXXX/XX/XXXX ACH Transaction - PUBLIC SERVICE XXXX ACH Debit - {$150.00} - $ XXXXXX/XX/2015 POS Debit - XXXX Check Card XXXX XXXX XXXX*NEW BALANCE XXXX XXXX XXXX - {$140.00} - $ XXXXXX/XX/2015 XXXX XXXX - XXXX Check Card XXXX - XXXX XXXX XXXX XXXX XXXX - {$35.00} - $ XXXXXX/XX/2015 ACH Transaction - XXXX XXXX ACH Debit - {$530.00} - {$92.00}

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-17
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX Equifax 1. The Account was Open from XX/XX/2015 to XX/XX/2015, or 3 months. 
2. Moths review shows 12 months 3. There is 12 months of incomplete and unreported Pay History on this account 4. Please verify the Open Date, Closed Date, Months Reviewed, and Payment History XXXX. 5. Either resolve the data issues on this Tradeline, or DELETE the account. 
Equifax , please do not simply delete the Pay History as doing so orphans the record, confirms its incomplete state and destroys my scores. 
Please share an updated, printed report as I do NOT agree to any electronic repors or responses other than through this portal.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-30
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
NYS has sent me a letter stating that the tax lien for {$530.00} is being vacated and withdrawn. They stated by sending this letter, the credit agencies are supposed to delete this from my credit report immediately. XXXX and XXXX have been very helpful and deleted the judgement with no problem. Equifax is making this difficult and not deleting it from my credit report. I disputed and sent the required documentation on XXXX XXXX, 2015 and on XXXX XXXX, 2015 they stated its showing satisfied. I highly doubted they went to the NYS courts to verify in less than one day. I spoke to a supervisor and he stated he can not delete it. They are making up all kind of lies stating it has to stay on my credit report for 7 years. The lien is vacated which means it does not exist. 
This is causing me stress as I am trying to get a mortgage and I need this deleted off my report. I fought hard to get this vacated by the state and they did me a favor by doing it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-13
Company: WELLS FARGO & COMPANY
State: IN
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
RE : INVOICE Notice The Credit Card Financing. 
7.9 % APR for XXXX Custom Payments TERMS. This transaction is under your Credit Card Agreement with Wells Fargo Financial National Bank ( " the Bank '' ). 


Breach Of contract 1. I looked at my contract with XXXX 's XXXX Company and they charged me for a new down flow unit I never got, but will have to pay for. 
2. Thermostat : They used my old wiring and charged for new. 
3. He said he was sending out a year supply of air filters ( XXXX ) 4. He said that they would mail us all the manuals for the equipment. 

XXXX 's XXXX XXXX has never done any of the above. They did make a {$300.00} payment to to off set the price so it would be comparable for a smaller XXXX unit. 
My husband contacted Wells Fargo to stop payment until all the problems were fixed, Wells Fargo told him he would have to take that up with XXXX 's XXXX XXXX. 
Now on our Wells Fargo bills we get charged {$31.00} interest charges every month on purchases. We are setup to have 7.9 % APR with XXXX custom payments, but have n't been shown what the payment will be. 
On our bill it changes every month on the APR and payments and charges for on purchases {$31.00} interest. What our we buying to get charged for? 
And why do n't we have our payments of XXXX custom at 7.9 % APR setup? 
And why is this not setup on our monthly bill. At this rate it will never be paid off. What is Wells Fargo doing? 
XXXX and XXXX XXXX XXXX

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 2016-06-08
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
Equifax has placed false and misleading information on my credit report that led to me being turned down for credit ( {$130.00} balance to XXXX of Virginia was reported ).

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-11
Company: SYNCHRONY FINANCIAL
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was a victim of identity fraud. Someone used my information to open an account with Care Credit. The account was opened without my authorization. I received a billing statement in the mail, which was my first knowledge of the account. I contacted Care Credit on XX/XX/XXXX. I was told the account would be closed, and an investigation would be completed. I was also told that I would received a package in the mail to complete. I was told that I would have the package in 30 days. Today, is XX/XX/XXXX, and I a still waiting on this package. I made a second call to Care Credit on XX/XX/XXXX, to be told that no investigation was started. The investigation started on XX/XX/XXXX. I have still not received a package.
I am still receiving a bill from Care Credit. I received a letter dated XX/XX/XXXX that I was not responsible for the charges, and that there is still a bill. I had requested a copy of all transactions from this account. I HAVE NOT RECEIVED THE TRANSACTIONS AS PROMISED. I WAS TOLD THAT MY ID WAS TEXTED TO THE DOCTORS OFFICE. I WOULD LIKE TO SEE THAT TEXT MESSAGE AND PIC ID, ALONG WITH THE APPLICATION TO OPEN THIS ACCOUNT. WHICH I DID NOT AUTHORIZE. I CONTACTED CFPB WITH CASE # XXXX, PLEASE HELP

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 2016-10-26
Company: WELLS FARGO & COMPANY
State: MA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I recently received a statement from Wells Fargo, the mortgage holder for my home mortgage, increasing my monthly mortgage payment by {$71.00} per month. ( This is for a fixed-rate mortgage, not an adjustable-rate one. ) Wells Fargo has done this before, and when I called them regarding this issue, they told me that it was to cover the increase in my local property tax, which they pay, as it is included in my mortgage payment. However, I checked with my local town assessor 's office, and they told me that that although the property tax had increased slightly from the previous year, it was nowhere near the increased yearly amount Wells Fargo was demanding per month. I did call the assessor 's office this morning, and they told me that the tax for fiscal year XX/XX/XXXX had increased slightly from XX/XX/XXXX but nowhere near the total of the monthly increases for the year, and that the rate for XXXX will not be determined for another two months. I suspect that Wells Fargo is increasing the payment for all of their mortgagees to cover the costs of the fines imposed on them as a result of the recent scandal involving fraudulent accounts created without the knowledge or consent of their customers. I want to know whether it 's legal for Wells Fargo to transfer the financial burden it has suffered as a result of their malfeasance to their unsuspecting mortagees, and if it is not, what action I can take to remove the unwarranted increase in my monthly mortgage payment. 
I would appreciate a prompt reply to my inquiry, as my mortgage payment is due XX/XX/XXXX. 
Thank you.

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 2015-12-15
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
My lender, Wells Fargo, has ignored my RESPA qualified written request. The request was sent to them on XXXX XXXX, 2015. Thus far they have not acknowledged nor responded to it. Under the real estate settlement procedures act, they are to acknowledge receipt of such request within 10 days and provide a response within 20 days. I have called and asked several time for a response and have not gotten anywhere. Please help!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-12
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I filed a complaint stating that the Public Record Information was inaccurate in its filing. As the term " Dismissed '' means that it is adjudicated by the law. My case concerned no form of solvency, nothing was placed under conservancy, examinership, liquidation or provisional debt reconstruction. There were no exemptions, no surrender of any kind as stated within the regulations of the BAPCPA " Means Test ''. In XXXX 2016, the credit bureaus removed the inaccurate information via CFPB and in less than 20 business entered the public record therefore holding my identity and credit under " Consumer Lock '' for 10 years. My initial dispute stated that the Bankruptcy Court has confirmed that they did not verify by documentation and the credit agencies have stated I can no longer challenge this negative entry. This discrepancy has prevented me in my personal life 's pursuit. Please advocate for me in this challenge.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-29
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I pulled my credit report a few days ago to see why I was not getting approved to rent a house. I saw on all of my credit reports that Bankruptcies were being reported on my credit reports. Per the FCRA 623 ( a ) ( 5 ) : " If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file. It is the credit reporting agencies, and/or other third party providers who collect information regarding public cases from public records. 
Public records information is NEVER validated by the Recorder of Deeds or the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW. The EQUIFAX Credit Bureau needs to provide me with copies of all documentation associated with these Public Record Accounts bearing either a court order to place this information in my credit report, or my authorization of release bearing my signature. 
If Equifax can not validate this information per FCRA 623 ( a ) ( 5 ) they will need to remove all Bankruptcies Permanently from my social security number immediately.

Company response to consumer: Closed with explanation