BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-04-04
Company: Seterus, Inc.
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I default on my mortgage due to work related injury, and apply for help to Keep Your Home California and was able to get approve for {$39000.00} to Principal Reduction program ( PRP ). To Pay any past due amounts and reduce remaining balance of first mortgage and bring monthly Mortgage to an affordable.. 
So in months later Seterus, INC had send me a Loan Modification to sign and return and Seterus representative call me stating that the only way to get approve for the money founded to my account from " KYHC '' is by signing modification. next day later Seterus Manager XXXX XXXX Call me again asking for the sign modification, And said if they did n't receive with in a week they were going to reject my founded money back to " KYHC '' and the house would be foreclose. So I had filled out Documents to keep my home and have a reduce Monthly affordable payment. I send this documents back to Them sign. On XX/XX/XXXX I paid my mortgage ( {$1700.00} ) upon agreement and they call me back stating that I was short on my payment that my payment was suppose to be at ( {$2100.00} ) So I was short ( {$440.00} ) So I ask to explain how was that possible when I had filled a mortgage modification and I had a principal reduction to bring down my mortgage to affordable payment. and that was not affordable my payment when up {$440.00}, and is not on the documents that I had sign. 
Seterus Representative could n't not give me an straight answer and they got higher Supervisor to assist and She first said that it just gone up So that 's what I need to pay, And I told her to Explain why she said that Property taxes when up and It did n't and than she Said That because of PMI insurance, Then she said because of Shortage on property taxes or it could be something but she does n't know for fact..

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-23
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I have disputed the ( XXXX ) Chapter XXXX several times, we only filed a Chapter XXXX that was discharged XXXX/XXXX/11. I have requested several times that they send me information on the XXXX Chapter XXXX that are on my reports, no response. I am attaching my chapter XXXX discharge papers on case # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-09
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
received letter in mail stating that XXXX of my account holders has changed my name, address or SS number and I should get it checked out. The letter came from Equifax. I order my XXXX reports, XXXX and XXXX XXXX come in 1 week and all info is correct, I get another letter from Equifax saying that they ca n't identify me and I must send them a copy of SS card and Drivers License. I email them and they say that it is hard to help me without my member ID number. I then call them and give info again and they want credit card info. This is extortion to get you to buy their services. They will not let me view my report. I will not buy their membership. I am sure I am not the only person this has happened to.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-22
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I received correspondence from Equifax dated XXXX XXXX, and XXXX XXXX, 2015 with XXXX different confirmation numbers and different result outcomes. 

Confirmation XXXX Basically states that Account # XXXX The results are : This information was duplicated, and therefore it has been deleted. If you have additional questions about this item please contact : XXXX, XXXX XXXX XXXX, XXXX FL XXXX Confirmation XXXX Basically states this Account # XXXX The results are : We verified that this item belongs to you. Additional information has been provided from the original source regarding this item. If you have additional questions about this item please contact : XXXX, XXXX XXXX XXXX, XXXX FL XXXX So I need to know what are the actual results????

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-11
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
My husband and I file a Bankrupt in 2008 it has been satisfy and it is over 8years old. XXXX and XXXX XXXX has Deleted it from my report, but Equifax will not and have no answer why

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-22
Company: EQUIFAX, INC.
State: IA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
On XX/XX/2016, I disputed the SYNCB/JC PENNEYS account on the Equifax credit bureau, account number XXXX. I was but am no longer an authorized user and I want this account deleted. Equifax responds by reporting this account as a " reinvestigation '' which is not accurate as this was the first investigation. I called Equifax about this and they said there is nothing that they can do and refused to help me delete this authorized user account or change the dispute wording.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-09
Company: Equitable Acceptance Corp
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
I needed to consolidate my student loans quickly and I received an email from Equitable Acceptance Corporation. They told me they would be able to help me consolidate the loans, offer a lower rate, forgive the loans after 25 years and offer affordable monthly payments. For this service, they would charge approximately {$1200.00} at about 27.99 % interest - compound interest. 
I was nervous about my huge payments coming due and felt using this service would help give me the payments I needed - they offered so many great benefits. At this time, I did n't realize these were all benefits available to me through XXXX XXXX ; so, I signed all of the paperwork and submitted all requested documentation. 
About a year later, XXXX XXXX XXXX requested new income documents to recalculate my new monthly payments and I needed to complete the loan application again. I worked with XXXX and obtained a reasonable payment and also learned that the loan forgiveness was always available to me - it was nothing special that Equitable Acceptance was offering. 
About 2 months later, I received an email from Equitable telling me it was time to review my income documents - after XXXX contacted me and the recalculation was completed by me. I contacted Equitable and told them I already completed the process then began to wonder why I needed their " services ''. 
The sales person tried explaining the value of their services, but the more he tried selling, the more I realized they were just a middle man there to collect a lot of money for no good reason. The bottom line is, they offer no real benefit to consumers. I had to take the same steps with XXXX that I did with Equitable so what exactly did they offer? And what am I paying for? 
My complaint here is, how can it be legal to charge consumers for a service with absolutely no benefit? 
From my perspective, they are just 21st-century snake oil salesmen. 
I 'm not sure if you can help at all CFPB, but this is money I ca n't afford to simply see wasted. I believe, Equitable should return every penny and should be shut down for shady practices. However, anything you can do to help would be great. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-05
Company: WELLS FARGO & COMPANY
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
In 2016 weeks Fargo foreclosed on my mortgage incorrectly. I ended up having to sell for a low price and pay out of pocket on a hurry. It was their mistake and there wasnt anything I could do about it.

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 2021-01-19
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: IL
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I am a XXXX Veteran and I recertified late for my tax exempt status. They made one tax payment of which I owe an extra XXXX  a month for 36 months. They have my status on record but they are still trying to make me pay taxes into an escrow account that is tax exempt. They are holding XXXX, a full payment in unapplied funds and they increased my mortgage from XXXX to XXXX to XXXX. These are and frustrating unfair business practices. I have been trying to tell them since XXXX 2020, to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
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:
I have attempted to contact Bank of America on numerous occasions regarding an account that has been reported as a collection account on my credit report for the past 90 days and continue to have the same issue not be resolved. I have explained to their representatives that the account was included in a Chapter XXXX in XXXX and needs to be updated. Each time the account rep notifies me that they have logged the case to be reviewed by their credit department and once completed I will receive a letter in the mail with the results. Unfortunately, I have yet to hear back from anyone at BofA. 

I called again on XX/XX/XXXX and was left on hold for over 30 minutes only to have the call terminate. I continue to provide information to their call center representatives to log the dispute and unfortunately I never hear back. This afternoon I learned they never even updated my contact information from any of the calls I have placed I have explained the error in the reporting to be a violation of FCRA laws and needing to have this remedied but seems that no one in the organization I speak with takes any of my claims to be valid or serious.

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 non-monetary relief
Consumer complaint received 2016-12-02
Company: EQUIFAX, INC.
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I have been trying to get my credit information for 4 day in a row. I have been on every site and even called customer service who told me to go one the sites and try again so I did .. but the same information came up .. can not authenticate .. so my wife tried to get hers and it said the same thing.. I talked to customer service again .. having a hard time understanding them and asked them why do n't they have access to any of my information and they said they were not equipted .. I think that it is very stupid to have a customer service department that can only advice a person to do the very thing that they were doing in the first place..I think that it is very bad practice by those companies that tells people they can get their credit information on line for free .. it is a false statement or in my own words a bunch of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-23
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
Equifax continues to report information on my credit file that is not mine. The company also continues to place an address associated with the inaccurate accounts back on my credit file after it has been deleted numerous times. ( See Attachments ) I have filed a number of disputes with the agency to no avail. I have called the US Bankruptcy Courts-XXXX who Equifax alleges furnished the information at ( XXXX ) XXXX. The Courts informed me that they did not furnish the information to Equifax. Equifax refuses to provide me with the name, phone number and/or address of the Company who allegedly verified the inaccurate information. The following address and accounts are not mine and are inaccurately reporting on my consumer credit profile ; 1 ) US BK Court-XXXX # XXXX 2 ) US BK Court-XXXX # XXXX 3 ) US BK Court-XXXX # XXXX 4 ) XXXX XXXX XXXX XXXX XXXX, MD XXXX I have provided all documentation required of me by law and Equifax continues to violate my rights. The FCRA prohibits information furnishers from providing information to a CRA that they know or have reasonable cause to believe is inaccurate. However, the furnisher is not subject to this general prohibition if it clearly and conspicuously specifies an address to which consumers may write to notify the furnisher that certain information is inaccurate. Sections 623 ( a ) ( 1 ) ( A ) and ( a ) ( 1 ) ( C ). Equifax has provided false and misleading information that the Courts have furnished and verified the inaccurate accounts when in fact the Court has not provided the Consumer Reporting Agency with any information. These inaccurate accounts have hindered me from gaining credit and I also have been denied credit do to the frivolous accounts.

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

Complaint:
Equifax has been reporting a collection account on my report from XXXX XXXX. There are XXXX accounts reporting with the SAME account number. As I dispute the derogatory account due to invalid information and no right to collect XXXX XXXX AND pulls the " bait and switch '' and places the dispute on the closed account with zero balance that was in good standing instead of the derogatory account that is not mine. I have disputed this account several times and each time Equifax updates the account on my report as valid but they have not provided me with any WRITTEN documentation on how they validated this debt and XXXX XXXX right to collect on this debt as this debt is not mine. The account I am referring to is listed as XXXX on my credit report. However, there are XXXX account with this account number being displayed. So when I dispute the derogatory one that is not mine Equifax/XXXX is not providing me any WRITTEN documentation on either account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-25
Company: Global Asset Management Group, Inc.
State: CA
Product: Debt collection
Sub-product: Payday loan
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
They have been calling my job saying that need to serve me documents and they tried discussing this matter with HR or an office manager and were very persistent. I told them to reach me at home and provided an updated address.

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 2022-08-25
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:
In the month of XX/XX/XXXX, I spoke with XXXX XXXX XXXX Bank ( XXXX ) regarding a balance of {$1300.00} reported on my credit report. This account was acquired by another Loan Service Provider. I received paperwork that the first payment would be due to the new service provider on XX/XX/XXXX. I have reached out to XXXX in an attempt to correct this item and remove the charge-off. This never should have been on our credit reports. The account was acquired. We have reached out many times to XXXX and they seem to not have much information ; however, they continue to keep this erroneous information on my credit report.

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 non-monetary relief
Consumer complaint received 2015-06-04
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
An account on my file is reporting inaccurately and Equifax has refused to properly investigate this or do any proper investigation. XXXX XXXX XXXX # XXXX is reporting incorrect status ', dates and balances. It is not correct and I have contacted the furnishers and they have informed me that no one from Equifax has called to conduct an investigation. I have repeatedly asked them to verify this account and show me why it is on my file in such a derogatory manner and they refuse to speak to me, give me absolutely any investigation results and paper work and they have not transferred any of the paper work i have submitted to the data furnishers on my behalf, which would have exonerated me. this account is inaccurately reporting and showing as open and it is badly affecting my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-29
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
EQUIFAX employees/resolution supervisor " XXXX '' Id # XXXX informed me along with other reps. that EQUIFAX will not and does not comply to federal rules/regulations and laws pertaining to the Fair Credit Report Act under Section 609 ( A ). In which in my case would suffice as proof and verification that debt is being reported inaccurate on my report. Currently creditors- XXXX acc # XXXX. I requested that EQUIFAX per the FCRA 609 verify through physical verification of the original signed certified consumer contract of any the account. In addition I supported a paid in full letter from the collection agency that collects for XXXXXXXX ( the creditor ) has advised me that they have incorrect information reporting on my file due to a glitch in their system that interchanges data with the credit bureau EQUIFAX system. Therefore in accurate information continues to reports until they can fix the issue etc. However Equifax refusal to verify this information physically would clear the issue up but EQUIFAX is stating they only verify electronically and they are not require to verify the information physically nor comply with the FCRA SECTION 609 law per my right as the consumer .They are stating the in accurate information via electronic interchange is correct ( when its not ). I am asking that EQUIFAX comply with this LAW per my written request dated XX/XX/2017 but denied XX/XX/2017 per documents attached .I am requesting that EQUIFAX request for the accurate information to report and comply with the lase, in the case information not reported to please delete from my credit report as the law complies. In addition XXXX needs to comply and provide correct reporting information to the EQUIFAX as well or EQUIFAX must removed it from my report completely. The response EQUIFAX provided me with is not physical verification of the debt amount due to XXXX has communicated that the information via electronic is a glitch. Therefore physical documentation is needed at this time in order to accurately report this information in which EQUIFAX refuses to comply with.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-19
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Equifax has an account from XXXX XXXX and XXXX listed on my credit report. I have disputed this with them. I filed a complaint about the reporting company ( XXXX ) and they are not able to locate my account. How can they report this account but can not find me in their system. Sufficient information was provided. I have no knowledge of this account as I have never received any dispute letter as required by the FDCPA. How can Equifax allow a company to post something to my credit report without verification? Equifax has done this to me many times in the past and I have had to secure an attorney to help with this matter. If this is not corrected I will be forced to add this to the list for my attorney. I have attached my complaints with the CFPB where this company states that they can not find me in their system.

Company response to consumer: Closed with explanation