BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-01-01
Company: Seterus, Inc.
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
In XXXX 2015, I was notified that due to my financial hardship, I was approved for a temporary modification per a trial period from Seterus. It was my understanding that in XXXX 2015 ; I would receive paperwork. If I agreed with the new terms of the loan modification I would sign off. I had called several times throughout the month with questions, such as, if I did not want or agree with the terms, if I could pay back what was owed to put my mortgage back up to date. Throughout that time Seterus representatives called me repeatedly, their purpose was to get me to sign the paper work. Finally on XXXX XXXX, 2015 in addition to the mortgage payment I paid over {$600.00} bringing me back up to date with the payments, I was also charged for bogus late assessment fees from XXXX and XXXX 2015 that I was unaware of, my postage indicates that the payments were sent out on time. None the less I made the payments with the understanding that I would n't be obligated to go through with a modification that only decreased my loan payment by {$130.00} and would have made me obligated to pay on a loan for an addition thirty years making an original 30 year mortgage, a 39 year mortgage payment despite that I had already contributed 9 years toward paying off debt on the mortgage. Also, it was my understanding that by paying the back payments that I would be up to date on my mortgage and all would go back to normal despite the fact that I would continue to suffer a financial hardship. On XXXX XXXX, 2015 despite the fact that the monies XXXX were withdrawn from my account, the mortgage company has stated that my credit is in jeopardy because the monies would be in suspension. This was not explained or my understanding when I begun the trial period modification. In summation I paid Seterus their money. Update my account. I am a struggling single mother with XXXX dependents. This entire ordeal is wrong, unethical, and I am being penalized for something out of my control that I was n't even aware could happen. Seterus is a predatory company that should be penalized for their unethical practices, policies, and procedures.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-09
Company: Seterus, Inc.
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I am having a problem with the current holder of my mortgage loan, Seterus Loan Servicing. I have dealt with rude customer service agents who refuse to look at my current financial situation or assign a designated contact to work with me. My loan is a government Fannie Mae loan and I know that there are some new programs available for homeowners like me who are struggling. I bought my home in XXXX and my loan was transferred to XXXX. I dutifully made my monthly payment until the recession hit and I lost my job after 16 years with the same company. I had issues trying to get set up for unemployment and after my savings were depleted I fell behind. Once I found work again I tried to engage with XXXX ( who now held the loan ) but they would not work with me unless I got caught up on the payments -- but I was too far behind at that point. 

I finally got some traction in XXXX when the loan was transferred to Seterus and went through a review for a modification and was approved. The problem was that my payment went up nearly {$400.00} a month and my interest rate was 5.5 %. I was scared this was all I would ever receive from them so I accepted the offer and paid on it for as long as I could until it just did not work anymore. Since that time I have repeatedly tried to re-engage Seterus but have made no progress. I just heard about some new Fannie Mae modification programs that have been started and I believe that I fit into the rules for these programs. I have attempted to get Seterus to review me for these programs but continue to get poor customer service and deal with disinterested and rude agents. I do not think this is a good way to run a company and want to file a complaint against Seterus.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-04
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Equifax has failed ( as usual ) to adhere to proper procedures and credit laws. A XXXX account is on my credit report and needs to be deleted immediately XXXX correctly removed this account that is reporting incorrect information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08
Company: CITIBANK, N.A.
State: DE
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I called Macy 's to settle an old account I had with them. I asked them how they preferred payment, and they told me to send a money order to Macy 's, XXXX. XXXX XXXX, XXXX, KY XXXX. I did exactly as I was directed. I called them a few days later and was told that I should have sent it to XXXX. XXXX XXXX XXXX, AZ XXXX. I went and got another money order and sent it to that address. Macy 's has made me pay for this account twice. Please make them delete the account from my credit, and refund me one of the 2 payments I've made to them Immediately! I'm happy to pay them what I owe them, but not twice!

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 monetary relief
Consumer complaint received 2016-05-27
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I have a letter from XXXX XXXX XXXX with the control number, which is : XXXX that request Equifax to remove this information off my profile and they refuse to do so. It 's been over 60 days fighting with Equifax and I 'm trying to buy a house. Please have them to remove ASAP! I have attached the supporting document for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-08
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I have been disputing specifics on my credit report for months now and they keeps sending the same generic letters back - As a consumer I am entitled to proof of how the specific account was verified and who was spoken to and the documents sent to me directly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
hello. My issue is the Company called XXXX XXXX reported wrong inaccuracies to all three Bureau 's and instead of the deleting it off of my credit report they did nothing at all. I contacted XXXX, Transunion, and also XXXX about this matter and asked for it to be removed due to inaccuracy have constantly tried to understand why is this still affecting my credit report when it has previously reported incorrect and inaccurate information. I am saddened by this matter and if you could assist me with this matter I would greatly appreciate you for it. enjoy the rest of your evening.

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 2016-12-15
Company: Seterus, Inc.
State: IL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I was offered a streamline modification in XX/XX/2016 from Seterus Bank. I made all the trial payments and received permanent paperwork in XX/XX/2016. I continued paying for XXXX and XX/XX/XXXX. They are sending me paperework that I am past due. I am not past due. They have not sent back the permanent loan modification paperwork back to me, leading me to believe my loan is not modified.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-20
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I purchased the home at XXXX XXXX XXXX XXXX in XXXX through XXXX in XXXX of 2003. I have never been late on a payment or had any issues in the, almost, 13 years since. Since the inception of the loan I have had the mortgage taken directly out of my checking account. 
In XXXX of this year, after a 3 month interview process, I was offered a job in XXXX XXXX. I started with my new company on XXXX XXXX. From the day I accepted the offer my life has been upside down. I have a XXXX, a XXXX year old and a XXXX year old. I had one month to find a place to rent in XXXX XXXX, tie up loose ends with my employer, figure out health care ( a must with XXXX little ones ), find a new pre-school etc. Since we did n't have any time to look for a new home we are renting a small condo in a rough part of the city. My wife agreed to the area because it was " temporary ''. We were to move here for a couple of months while we found a new house. We are now past the holidays and are starting to look for a new home. With everything going on I did n't notice that the mortgage had n't been deducted from my checking account. I have n't given this a thought in the last 13 years! I thought that an automatic deduction was the safest way of paying the mortgage. I never received any notification that the mortgage holder had changed. 
On Wednesday XXXX XXXX I received a call from someone in the XXXX. This was the first inkling that something was wrong. XXXX called me in the middle of a meeting. I had to tell her that I would call her back. That night I looked my checking account and realized that the mortgage had n't been taken out since XXXX. As you can imagine, I was upset. Anything negative on my credit can potentially ruin my chances to get a new home loan. I called XXXX back the next day ( Thursday the XXXX of XXXX ) and gave her my checking account information to pay off all of the unpaid balance. Of course, I had all of the money ... it had just been sitting in my account. On Friday, the XXXX of XXXX, I called back to follow up on the payment because I did n't see that it had been taken out of my checking account. It was at this point that I realized how this could truly harm my family and me. The organization had reported a 90 day late and 60 day late to the credit bureaus. I will not be able to get a loan with this on my record. This would effectively take me out of the market for a new mortgage for years to come. I know that I should look at my account carefully and I usually do. The last couple of months have been crazy for my family and me and it just did n't dawn on me that this would ever happen. It was a total surprise that I rectified as soon as I could. 

This is in regards to Experian.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08
Company: WELLS FARGO & COMPANY
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I sent a wire in the amount of {$5100.00} on XXXX XXXX from my business account with XXXX XXXX to a subcontractors account at Wells Fargo. He never received the funds. After three weeks of tracing the wire. Wells fargo advised the funds where on hold on their side. They requested documentation from my subcontractor which I have provided. It has been over a week and I have placed multiple calls to my bank who then reaches out to wells fargos wire department and they have gotten no where. I recalled the wire a few weeks back and I still dont have my money!

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 2015-09-06
Company: SELECT PORTFOLIO SERVICING, INC.
State: NV
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
For over 4 years I have tried to due a loan modification with my lender. When I first applied my loan was with XXXX XXXX XXXX. I proceeded to go back and forth with them for well over a year and was told i was missing paperwork or my paperwork was incomplete. However, XXXX XXXX XXXX could n't tell me what was missing or incomplete. Instead, I had to reapply. This time all just went ignored and eventually my loan was sold. Now I 'm left to reapply yet again with with SPS. I have applied with them XXXX or XXXX times even paying to receive mediation XXXX. The most recent mediation took place in XXXX of 2015. Prior to my mediation I had informed all parties to include, SPS, the mediator and XXXX that my income was reduced by {$1500.00} per month. I was approved for a Tier 1 Harp program but it was at the wrong grossly income. At mediation, all parties did n't seam to think or feel that my income being reduced by {$1500.00} was that big of a deal. I did not sign the agreement and was advised to appeal based on my gross income being incorrect. I was advised at mediation that I had 30 days to submit by appeal. However, a letter that I received stating that I was approved for program was received 2 weeks prior to my mediation date and the bank is denying my appeal stating that I had 30 days to appeal based on the letter not the mediation. I had no idea of the terms of the agreement until I attended the mediation. This has all been rather confusing and I have complied with everything multiple times and have provided all requested and necessary documents to the lender. I received an email that they were denying the request to correct my income. I have provided them with current bank statements as well as current pay stubs in addition, I also provided bank statements from my estranged husband showing that he was paying and had been paying on the house that we where on a loan together. I have mailed letters and followed up with XXXX as well as sent all parties an email asking for yet another application to reapply since that is what they where wanting me to do since they would except and or allow the changes to my pay. This is a frustrating for all this could have been resolved 4 years ago. But then again this has allowed the bank to charge all these outrages fee 's to to my loan. Let al the bank loan payments, late fee 's, mailing fee 's ( which in access they will send XXXX of the same letter everytime ). I feel as I have been giving the run around and now I received a letter stating the foreclosure sale date to be XXXX XXXX, 2015. The bank as yet to respond to my requests has brought me here. 

Regarding a question below, I did n't pay an outsidecompany for assistance but paid XXXX $ XXXX XXXX seperate times to receive mediation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-16
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I have disputed these accounts a few times already asking for validation and Experian has failed to provide me with the documents they have on file to verify this account. Under the FCRA anything unverified needs to be removed. These accounts also are reporting incorrectly. Payment history is incorrect and Experian needs to remove these accounts. I have attached file with circled payment history errors. They go reporting " 0k '' status for a few months then they go late 90,150, 180, 180,180,180. ( How can it be 180days late for 5 months straight ) it Then goes to ND ( no data is NOT proper reporting ) to " Ok '' status then again same late Cycle. These ca n't possibly be my accounts because I have not made any payments on these accounts so these accounts need to be 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 2020-11-13
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I sent dispute letters to Experian, XXXX, and XXXX  on XX/XX/2020. It has been 30 days and I have not received the results of my investigation.

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 2020-07-01
Company: U.S. BANCORP
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I made a withdrawal at one of US Bank 's ATMs located at XXXX XXXX XXXX XXXX. in XXXX, in the amount of {$300.00}. My daily limit is {$300.00}, yet the bank has charged me for TWO {$300.00} withdrawals and has not corrected it. I spoke with XXXX at their XXXX customer service number at XXXX XXXX on XX/XX/2020 and he assured me that the bank would correct this error by morning. It has not and the charges are no longer PENDING, but POSTED. Please step in and make them credit the {$300.00} I did not take out of my account. Again, my daily LIMIT is {$300.00}, so it's an IMPOSSIBILITY that I could take {$600.00} ( {$300.00} x 2 ) from my account. XXXX said that the " ATMs are getting hard use, '' but that doesn't solve my problem. Please help me get my money back soon. I have bills to pay. 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 2023-02-02
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Someone opened an account for XXXX XXXX XXXX in my name online shopping XX/XX/2022. Account was reported to the bank and closed and under investigation. XX/XX/XXXX someone again used my social security number to try to open an account with XXXX XXXX but was not successful.

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 2016-09-23
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
I have an excessive amount of inquiries that I did n't authorize or apply for on my credit reports. Please assist and advise.

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 2022-10-12
Company: CURO Intermediate Holdings
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Ad Astra Recovery Service reported me to 3 Bureaus. 
I don't know them. 
Never borrowed from them. 
No loan was ever taken from them or any other company on XX/XX/2020 as they claim. 
No demand letter ever sent to my address. 
I don't know this company. Ad Astra RecoverXXXX made a false report as to any loan I took, date I took or even amount I took. 
I never borrowed {$4700.00} from this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I contacted the three credit bureau about an account on my report. Its been over 30 days and I still havent heard anything back from the company nor the three credit bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-09
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I tried to get my free annual credit report from Equifax and they asked me questions which do not apply to me and apply to another person that Equifax keep associating with my credit file. Every year I have to complain and fight and file a law suit to get my credit report from Equifax and then the information is incorrect and I have to spend most of the year fighting to get it corrected. Then a few weeks go by and Equifax again add wrong information to my credit file about another person. This is affecting my credit and my employment. The questions they asked me are Do I have a mortgage taken out in 2009? which I do NOT, How much are the payments? since I do not have XXXX there are no payments, I have a credit card taken out at the same time? which I do not. and because I answer these questions correctly EQUIFA REFUSE to give me access to my credit report, but I suspect allow the other fraud person access to my credit report. 
Every hyear I have to fight this and every year these Equifax people destroy my credit again. Please make them stop doing this to me. I have to spend many many hours on this every year, year after year after year due to their Negligence and incompetence

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-08
Company: EQUIFAX, INC.
State: MT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Been disputing inaccurate information on credit report for years and attempting to mediate issues with credit bureaus, debt collecting agency 's and creditors. Whenever I've requested investigation results for my disputes into these inaccuracies from any parties, I've been told by the credit bureaus that they are only obligated to verify identifying information ( such as address, ssn and birthday ), therefore nothing will be done to correct inaccuracies because reporting company is providing them with identifying information that matches up with my customer file. Alot of items on my credit report are the result of fraudulent accounts opened in my name and or accounts that have become affected by the damages of identity theft. And I'd like to resolve these issues once and for all.

Company response to consumer: Closed with explanation