BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-02-24
Company: Seterus, Inc.
State: AZ
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
I sent Seterus Inc a letter on XXXX XXXX, XXXX asking them to relinquish my escrow agent which they have grossly mismanaged and asking them for reversal of misapplied fees which originated through their mismanagement in XXXX. I have n't received a response as of today XXXX/XXXX/XXXX, over 5 weeks ago. I already had to make my XXXX mortgage payment to include the escrow impounds and XXXX XXXX is approaching when again another payment is due. At the time I requested this on XXXX/XXXX/XXXX my escrow account had a positive balance of {$92.00}, see attached XXXX statement. Now on the XXXX statement I show a negative balance of {$150.00}. This is because they again incorrectly made a payment to the new hazard insurance company even though I sent them a letter on XXXX/XXXX/XXXX telling them I was changing insurance company and I was going to pay for it directly myself outside escrow. I stated they were NOT to make a payment to the insurance company and they did, causing my escrow account to be deficient again. I have been told by XXXX, the new hazard insurance, that they have returned the funds to Seterus and that she got confirmation that they would be reapplied to my escrow, but I do n't see it in my account as corrected. XXXX will be withdrawing from my bank account directly the insurance monthly installment and I do n't want to pay twice for it by continuing to pay into my escrow account. I need expedient attention to this matter by Seterus. Last year it took them a whole year to fix my escrow and I still do n't know if they reversed the fees they charged. 
I really ca n't wait to get rid of this servicer. If ever I get another loan with Fannie Mae I will make the mortgage company sign an affidavit prohibiting my loan from being serviced by Seterus. Fannie Mae needs to move my loan to a different servicer please. I do n't have time to waste with this company

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-06
Company: EQUIFAX, INC.
State: MS
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
I am requesting permission to file a XXXX XXXX Dollar Lawsuit against Equifax for actual and punitive damages, Offense : Discrimination : Malicious malice of Discrimination ( race ), which resulted in : Serious injuries of mental, emotional and financial harm. 
I have requested the name of the person whom placed these false inquires and this mortgage on my credit file and as of today XXXX XXXX, 2015. I have not received the person name or address. I seeking an immediate resolution to my credit file. It took some very malicious, XXXX person who works for Equifax, two minutes to place false an in accurate information on my credit file. I have received notice it will take at least 60 days to investigate my file. I am filing a lawsuit against Equifax in ( 5 ) days if all of these false inquires, mortgage information and old accounts are not removed immediately. Every day this false information remains on my credit file it is causing me emotional, mental and financial harm. Equifax you will not discriminate against the XXXX in this country by, deliberately placing false information on some ones credit file, in an intentional effort, to keep XXXX, credit score low. You will not ruin my chances to have adequate employment, low interest loans on automobiles, credit cards, etc. You will not deliberately sabotage and ruin my credit in order to ruin my chances of becoming a home owner, due to your racism. I have been a victim of discrimination, race, and the victim of racism. Equifax you have committed a crime. Discrimination in the United States is a crime and is punishable for up to 25 years in prison. What you have done to my credit was intentional malice to cause me XXXX, XXXX and financial harm due to the XXXX. And everyday those false inquires and that mortgage remains on my credit file is causing me emotional, mental and financial harm. You have ( 5 ) days to remove all of those inquires, that mortgage that does not exist, and all of those old accounts off of my credit file. And place all of those XXXX points back onto my credit score. Every day you are causing me XXXX, XXXX and financial harm. And you will pay for everyday that false information remains on my credit file. You have ( 5 ) days to remove those false inquires, the mortgage that does not exist and all of those old accounts from my credit file. It took some XXXX person two minutes to place this false information on my credit file. It should only take two minutes to take it off. 
CC : United States Department of Justice, United States Department of Consumer Affairs, XXXX., United States Federal Attorney Generals Office , XXXX . United States Department of Housing, States Attorney General Office, XXXX, XXXX, United States FBI, NAACP, National Black Action Coalition and the Federal Division of the EEOC.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-23
Company: Navient Solutions, LLC.
State: CA
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint:
They call XXXX times a day and then call my co-signer each time after. I 've submitted a cease and desist letter and they came back to tell me that it does n't apply to my state. To top it off, they harass me by doing a credit pull through Experian and read over the items on my credit report and challenge me on how I was able to pay the minimum on my XXXX XXXX ( {$25.00} ) and not my loan ( {$1200.00} ). 

I 've been out of a job for 6 months and keep having to explain to them that but they DO NOT STOP the harassing calls. 

XXXX ( XXXX ) XXXX is the number they call me from, who call themselves NAVIENT and I called back one time and the representative answered saying " EZ loans '' NAVIENT claims to have an in-house collections department who is " not '' supposedly a third-party however there is fradulent activity here as they are underwriting loans and collecting for NAVIENT and call themselves a non-3rd party. 

Moreover, they CAN NOT pull my report each time without my consent however they do. I 've asked for permission to record my phone calls with them and each time they decline and hang up the phone. 

Please please please please look into this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-14
Company: EQUIFAX, INC.
State: AR
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
An address appears on my credit report that does not belong to me. I recognize the address to be that of where my ex-husband lived following our divorce. He was not financially responsible and I do not want to be associated with his financial decisions following our divorce, including the potential that he failed to be responsible to a landlord. He intentionally accepted personal property and the debt associated with the property in our divorce settlement and did not follow through with the financial obligations accepted with each debt nor did he refinance the items without my further financial obligation. Therefore, he affected my credit score as well. I had to take legal action to prevent this negligence from continuing and have worked hard to rebuild my credit score. A judge did hold him liable and he took care of the issues after he destroyed my financial reputation along with his own, which was his intent. I do not want any of his financial decisions, home of record included, to follow me any longer. XXXX makes the information easily accessible, which I appreciate because in the years past it was a difficulty feat to just obtain my information. However, it remains difficult to resolve a dispute of inaccuracies on my reports. I 'd like to seee this process simplified as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-27
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
On numerous occasions, I 've disputed an incorrect filing date for a judgement that appears in the public records section of my credit report. The actual filing date is XX/XX/XXXX, but my credit report reflects a date of XX/XX/XXXX ( which is the date the judgement was issued, not the filing date ). The XXXX XXXX court system keeps confirming the incorrect date so I obtained an official copy of the docket and forwarded it to the XXXX credit bureaus for an internal review. Thus far XXXX of the XXXX have made the appropriate adjustments. Equifax attempted to make the changes but keep reverting back to the same incorrect information. I have complained and re-investigated the item with them on numerous occasions to no avail which leaves me to file a consumer complaint and possibly a complaint with the FTC if corrective actions are not taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-14
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XX/XX/2010 we had to short sale our house due to medical issues and financial distress. We had a XXXX and XXXX mortgage. The terms of the short sale ( and what is reflected on our Final Closing Statement ) was that our XXXX mortgage holder, XXXX, agreed to a total loan pay off of {$550000.00} and the XXXX mortgage holder, XXXX XXXX XXXX now XXXX XXXX agreed to close the short sale with a total pay off of {$22000.00}. XXXX agreed only to give XXXX XXXX {$2000.00} from the sale of the house to Discharge the mortgage and my husband and I had to put in another {$20000.00} for it to close. 
XXXX XXXX ( XXXX ) never took the overdue balance off of our credit report ( which shows as {$44000.00} ). Recently we refinanced our new home and had to get proof from XXXX that the account is in fact closed and that our final payment of {$22000.00} constituted a settlement-in-full of that account. 
I would like to have our accounts updated to show that there is no balance due and the account was paid as agreed on our Short Sale Closing Statement. I have attached documentation as needed. 
The account holder as shown on the letter is my husband, XXXX XXXX and our former address was XXXX XXXX, XXXX, CA XXXX. The account number with XXXX ( XXXX ) is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-20
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
On XXXX/XXXX/2015 I filed a proper dispute on an unknown medical account with Equifax. On XXXX/XXXX/2015 I received a response to my dispute stating that they have researched and verified the collection account with XXXX XXXX. I then contacted the XXXX XXXX with a dispute and request for validation on this unknown medical account as per instructions from Equifax, re-disputed to Equifax with a copy of my dispute/validation letter to the collection agency, along with proof of the agency 's receipt of the dispute, which they received on XXXX/XXXX/2015. On XXXX/XXXX/2015 Equifax responded with an improper/incomplete dispute verification and have not delivered any proof to me as requested. I have not received any validation from XXXX XXXX. Equifax 's refusal to properly investigate the dispute is a violation of the FCRA and FACTA. Equifax has also failed to denote this account as in dispute. Equifax is the only credit reporting agency that is erroneously reporting this unknown account on my reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-04
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I disputed XXXX items under the 609 law over the course of four months. All disputes were notorized and sent certified mail. Said items are still on my report against the law as bureau never provided me with original documentation of these accounts they are suppose to have on file before the can list it on your credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-09
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
This company, XXXX XXXX in XXXX, Illinois, have made fraudulent charges using my name and social security, in which is reporting inaccurately on my credit report. I have filed complaints to this company and the credit bureaus and they have not responded. This company is under a lawsuit against other tenants that they have committed this unlawful act to. I have attached a Class Action Suit against XXXX to prove my claim. This account is showing as a negative account on my report, it is inaccurate and it is affecting my military career, in which I can not progress until it is deleted permanently.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-06
Company: Seterus, Inc.
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
The mortgage company is charging me for home insurance that I already have. I have proven several times that I have insurance and have paid only my monthly mortgage payment. They are charging late fees, have ruined my credit and now threaten to foreclose. This has been going on for several months. I met with a lawyer who reviewed my information and has agreed that the company is giving me the runaround. They call me daily to collect monies that I have proven that I do not owe. I have complained verbally and by written letter sent certified mail. They will not call me about this and refuse to meet with me face to face to explain why this is happening. They lawyer will charge me {$2000.00} to sue and claims that it will cost {$4000.00} before it 's over. Can you please help me? I can not believe that this is something that they can get away with. At this point I plan to take monies from my hard earned XXXX to pay off the loan but I can not do this until they agree the remove the fees and restore my credit. I can prove my case with paperwork and recorded phone calls. The company is Seterus , Inc .

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-30
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
If Equifax actually investigated this derogatory collection account and determined that it was mine, they would be obligated to amend the credit file with the supposed Creditor that this account was attributable to. Thereby allowing me to dispute this with the company that is falsely screwing up my credit file. I strongly feel that Equifax did no reinvestigation and just sent the response I am disputing to comply with the regulations from the CFPB. I feel that Equifax is being the bad actor here and I want this removed from my credit file or have the company that it is attributable to to be attached to the record.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-13
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I have many issues that I 'm dealing with but I will list them below : # 1 Equifax has a security freeze and fraud alert on my credit file and I never authorized or requested this to be placed on there. I have written to them and requested that this be removed 4 times now to no avail. With each letter I include my identification as required. 
# 2 For the past 2 months I have received no credit report # 3 For the past 2 months I have received no statement of dispute or results # 4 When I call, I am given no answer and told to write a letter. See # 1

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-02
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Equifax refuses to include public court records of satisfaction of multiple mortgages in my credit reports rendering them incomplete and casting an inaccurate false representation of my creditworthiness. This incomplete reporting subjects my family to significant economic disadvantages, including barring from access to loans and forcing to pay more for credit. 
Equifax falsely claimed improper identification not matching records, then initially advised, " Allow up to 60 days for the new account to appear on the credit file. But then Equifax reneged declaring " only public records supplied by their VENDORS can be included on consumer credit files. " This is a clear violation of the federal Fair Credit Reporting Act ( FCRA ) and requires decisive action on the part of the Consumer Financial Protection Bureau to fulfill its mission and charge of public trust and protection.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-23
Company: EQUIFAX, INC.
State: DE
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
i have contacted equifax on the inquires on my account that are fraud and not mine. they have done nothing to help and continue to allow fraud inquires on my credit history. here are XXXX of the letters that were sent to me from these companys. I have more

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-24
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
This judgment is still reported as reinvestigation on my Equifax credit report 4 months later as of today.I have not received any updates from Equifax. 
XXXX CFPB review Response disputed XXXX/XXXX/2015Case number : XXXXXXXXResponseEquifax reviewed the complaint, its records and initiated a reinvestigation. *Equifax did not receive any additional communications from the consumer during the review of the complaint. *Equifax will mail the results of the reinvestigation within 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-29
Company: EQUIFAX, INC.
State: KS
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I WAS UNABLE TO FILE TAXES THIS YEAR BECAUSE SOMEBODY ALREADY FILED UNDER MY NUMBER. I TRIED TO GO CHECK MY CREDIT SCORE AND IT SAID I HAD ALREADY CHECKED IT .... I HAVEN'TTRIED WITH ANOTHER AGENCY AND WOULD NOT LET ME PROCEED. 

I FILED FRAUD ALERT WITH CREDIT BUREAU

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-29
Company: Assets Recovered, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received a phone call today from XXXX XXXX with AR Group at XXXX ext XXXX calling for my brother. He has not given out my phone number and I told her that I did not want debt collectors calling me for my brother. She stated several times that she was not a debt collector and that she needed to talk to my brother, I told her to call him then since she had business with him. She said she had several numbers, he has had the same number for 10 years. I then searched the company and phone number she called from and they are indeed listed as a debt collector. I do not want them calling me again.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-13
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: OH
Product: Consumer Loan
Sub-product: Title loan
Issue: Can't contact lender

Complaint:
I am currently being harassed by a third-party collection agency for Ace Check Cashing. I have a overdue XXXX My family and I are receiving multiple phone calls back to back throughout the day. I attempted to call them back once I got off work but I did not receive an answer. My family informed them that I can not talk on the phone while I am at work but they keep calling. In addition they gave the debt information to my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-10
Company: Continental Services Group, Inc. d/b/a ConServe
State: TX
Product: Debt collection
Sub-product: Non-federal student loan
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
ConServe on behalf of U.S. Dept of Treasury and VA sent me a wage garnishment for repayment of my G.I.Bill for classes I dropped. They said they would keep taking XXXX % out of my paycheck until a stop payment is received. I owed {$770.00} the collection agency instead garnished {$1000.00} out of my wages. Which means there was an overpayment of {$240.00}. I 've called ConServe and U.S. Dept of Treasury and VA and neither agencies can tell me where the money is and it has been 55 days now since the debt was paid. I do n't know what else to do because I served my country for 4 years to get my GI BIll, and I 'm being punished like this, I go to work everyday and I 'm being put further and further in debt because of this. How can I pay other debts if this agency is taking more money than owed on that specific court ordered garnishment? I have not received any documentation stating the debt was paid nor have I received anything telling me what they did with the overpayment, whether it was applied to another debt or whether it would be sent back to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-09
Company: FIRST GUARANTY MORTGAGE CORP
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
I refinanced my mortgage XX/XX/2015 with First Guaranty Mortgage. The loan officer told me that if I refinance, the MIP on my FHA loan would be reduced and the overall monthly mortgage payment would be lowered. He gave me an estimated monthly payment and after the refinance I started paying {$1800.00} per month. XX/XX/XXXX I received a letter from the loan servicing company ( XXXX ), that my mortgage will be increased to nearly {$2300.00} due to escrow increase. On contacting XXXX for an explanation, it was revealed that I was basically lured into a refinance that turned out to be non-beneficial to me. I was quoted a low monthly payment to refinance then later faced with a large increase in monthly payment. If I knew that my payment would turn out to be so much then it would have not made any sense to spend the money to refinance. This practice is deceptive. I now have a higher overall loan balance and a longer payment term for a refinance that turned out to be senseless.

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