BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-12-29
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
On XXXX I ordered my Equifax credit score through XXXX. The cost was {$7.00} which was taken from my account. I never received the report. When calling Equifax, they tell me that I never ordered a report. They say the transaction number is XXXX digits and mine is like XXXX. They told me to contact XXXX at ( XXXX ) XXXX which I did but there doesnt seem to be any way to speak to a person there. I am attaching supporting documents. I want my credit score report or a refund. I did not get what I paid for.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-10
Company: WELLS FARGO & COMPANY
State: CT
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
On two occasions, Wells Fargo intentionally ignored a wire transfer amendment from my issuing bank to my Wells Fargo ( XXXX XXXX, MN ) checking account, countered that they can not amend the wire transfer because they do not have the funds, but actually had the funds and withheld those funds from our checking account for two weeks, and then resent the funds back to the issuing bank minus a {$25.00} fee. Subsequently, I had to rewire those funds to my Wells Fargo account, and pay a whole new set of fees. 

This Wells Fargo scam of ignoring wire transfer amendments and blatantly lying about holding funds, all just to overcharge clients with multiple fees is just plain wrong. I have documented proof that Wells Fargo lied about the funds whereabouts and were withholding funds, all in an effort to avoid a simple wire transfer amendment, in order to steal from me ( either by ripping me off on fees, or possibly taking the whole {$1500.00} if I never insistently claimed to get the money back ). Shame on them. 

I tried to be reasonable, and only seek reimbursement for the fees charged after the blocking of the wire amendment/withholding of the funds. I did not seek damages for initial wire transfer fees, my time and frustrated efforts, or for the harm my son suffered for only having {$120.00} to live on for two weeks while Wells Fargo was withholding our funds. These fees in which I sought reimbursement were as follows : 1 ) XXXX XXXX : Wells Fargo {$25.00} wire fee for returning funds, Wells Fargo {$16.00} wiring fee for receiving same funds again, XXXX {$30.00} wiring fee for issuing funds again 2 ) XXXX XXXX : Wells Fargo {$25.00} wire fee for returning funds, Wells Fargo {$16.00} wiring fee for receiving same funds again, XXXX {$30.00} wiring fee for issuing funds again. 

For the XXXX XXXX period, I had already deleted my email to XXXX XXXX of the XXXX XXXX branch requesting a refund of inappropriate fees. But will provide documentation if needed. Relatedly, I can provide original documents for each of the fees from XXXX and Wells Fargo from XXXX XXXX and XXXX XXXX upon request. 

Thus, I claimed {$140.00}. Wells Fargo not only refused, except for possibly {$16.00}. But stopped corresponding and would not return my calls, hoping that I would forget about it. Well, I am not going away, and would like you to help me to make them pay.

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 2017-02-14
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I 'm contacting CFPB to aid me in resolving previously deleted accounts that have reinserted on my credit file. 

My Equifax report dated XX/XX/XXXX showed no " Negative Information " reporting on my credit, see attached online print out. My current report dated XX/XX/XXXX shows XXXX accounts under the " Negative Information '' section ; see attached online print out. I have previously disputed these XXXX accounts with Equifax : XXXX XXXX XXXX, XXXX XXXX, and XXXX Card. I recently sent a dispute on XX/XX/XXXX under Confirmation # XXXX ; enclosed is a copy of the dispute. 

Equifax reinserted the XXXX deleted accounts without notifying me. The FCRA states that they must inform me within 5 days of the reinsertion. 

I 'm in disbelief that this error is happening on my file. In XX/XX/XXXX I resorted in contacting the support of the Consumer Financial Protection Bureau on an item that had been deleted and reinserted. Through your support Equifax fixed the error. 

It 's absurd that they are violating my rights under the FCRA and they are careless. It seems to me that without resorting to filing a complaint with the Consumer Financial Protection Bureau, they do not follow FCRA procedure. 

In addition, the state of Nevada revised statute clearly states that a dispute must be completed within 30 days ; yet the online system shows XXXX disputes " pending '' from XX/XX/XXXX and XX/XX/XXXX How could I possibly trust this company 's procedure when they have violated the XXXX and XXXX laws over and over again on MY file. It seems that this is their " standard '' practice. 

Equifax needs to be sanctioned so that they do n't commit these types of errors again nor with other consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-23
Company: Seterus, Inc.
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I applied for a loan modification back in XXXX 2015 and submitted all the required documents timely. Called back every week and spoke with Seterus and documented each call. I was told that all my documents had been submitted and are in process. The Seterus representative told us that it was passed to the processor for final approval. In XXXX 2015 we received a letter stating that we were denied loan modification because we did not submit the requested documents timely. We called again, and was told that the letter was sent in error, and call back in 2-3 days for final approval. When we called back we were told that our application had expired and we needed to resubmit every document. It 's clear that they are running a scam with no intention of doing loan modifications.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-23
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
I filed bankruptcy in 2009. My bank that held my mortgage at the time was not included in the bankruptcy. I did not the bank to be included. The bank claims that ... due to the fact they did not receive from my attorney a " letter of reaffirmation '' ( that my attorney claims is not mandatory in New York State to protect the consumer ) so they refuse to submit my payments to the credit bureau. I continued every month to pay on time the amount of my mortgage for 5+ years to re-establish my credit. Recently I requested my credit report to find that the bank never reported my payments! I had worked so hard to make these payments. They said they refuse to report the payments to the credit bureau due to the fact they never received this letter of reaffirmation. I was shocked! I now on my credit report have no record of all those years payments and they refuse to submit them to the credit bueau even though they accepted all those payments for 5 years and sent me a " thank you '' letter for servicing my loan when it was sold. 
It was suggested that I sent a record of payments to the credit bureau to prove the payments were not only made but that were in excellent standing. I did that and the credit bureau refuses to put these payments on my report! The records I sent them came directly from the accounting dept of the bank that claims I did not pay them! I also sent the " thank you '' letter from the bank for servicing my loan and a letter from my attorney proving the bank was not included in bankruptcy to the credit bureau and they still refuse to add my payments to my credit report claiming the information means nothing ... only what the bank said matters!! I sent them proof I made the payments! I am at a loss of what to do at this point ... ..They have ruined my credit! My report is ruined and my score is very poor due to this act by the bank and credit bureaus. Any information I can get would be so appreciated for I have to fix this. I am a senior on fixed income and without some credit it is hard to survive ... ..thank you for any help you can provide in this matter ....

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-30
Company: WELLS FARGO & COMPANY
State: AZ
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I have a student loan through Wells Fargo and I am unable to set up an automatic payment each month for more than the minimum payment. Is there anything I can do about that? I have student loans with other companies who all allow additional payments to be automatically scheduled. It makes it easier to be regularly financially responsible by paying more than is due to decrease the total interest I will pay.

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 2016-03-02
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
Date : XXXX/XXXX/XXXX To Whom It May Concern : XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX Equifax XXXX. XXXX XXXX XXXX, XXXX XXXX Please take notice on this date, the nature of this letter is to request the removal of the fraud alert on my personal credit reports. As you will see bellow, my correct identification information for your records : PLEASE UPDATE MY CORECT ADRESS TO MY FILE XXXX XXXX XXXX ss # XXXX dob XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX I have also included the following minimum XXXX ( XXXX ) proofs of my current mailing address Sincerely, XXXX XXXX XXXX ss # XXXX dob XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-28
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
I am filing this complaint because Equifax has ignored my request to open investigation in regards to accounts listed on my credit report. Being that they have gone past the 30 day mark and confirmation shows they have received my dispute over 30+ days ago, under Section 611 ( 5 ) ( A ) of the FCRA XXXX they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-27
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
Reinserted previously deleted information showing on my Equifax report. Reporting account XXXX, have no balance in should not show on report once it was removed now reinserted on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-12
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
My student loans have been discharged by the Department of Education due to XXXX. I now no longer owe anything on these accounts. These accounts should read as closed with XXXX balance. Here are the account numbers : XXXX, account # XXXX ; and XXXX accounts with Department of Education XXXX, all with account # XXXX. Equifax refuses to make the adjustment.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-22
Company: Timothy C. Runyan, P.C.
State: MI
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I am continuing, for my rights for a debt that I do not owe where my income tax, veteran check and pension check is be garnished, my bank account is frozen, I ca n't pay my bills.i still have this company in dispute, they never validated this bill I 've ask them for XXXX yrs, they never did it yet they never call me not once, to prove this bill is mine even though i was defaulted for not going to court. For a bill they will prove I owe.thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-28
Company: Focus Holding Company
State: KS
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
this goes back to XXXX from XXXX, an account was opened in my name, i was still in XXXX tx still, it was successfully proved to be false and i was not responcible for it, so XX/XX/XXXX it waS TAKEN OFF MY CREDIT REPORT, remained that way untill recently a shady collection agency focus recieveables management put it back on my report, they have not contacted me by phone or letter, so i wrote them a letter tellin them to verify they have the right to be doing this, they still have not contacted me, these people have so many complaints against them, now i know why, i just want them to stop lying to the credit bureaus and take this off my credit report

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-21
Company: WELLS FARGO & COMPANY
State: GA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
On XXXX XXXX 2016 I placed a stop payment for a transaction from XXXX XXXX. The stop payment was setup incorrectly by the bank ( wells fargo ). Instead of the bank addressing the error. I was told I had to file a claim under the regulation E guideline. The bank admitted it made a clerical error. However they are stating I have to file a claim for a electronic transfer. I believe this is a bank error and would like to have it addressed as so. 

The clerical error is that the XXXX TRANSACTION was present as XXXX however was setup as XXXX. 

If the stop payment was setup correctly the transaction would have not posted to the account.

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 2017-01-24
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
XXXX SUPERIOR COURT DOES NOT HELP RESOLVING THIS ISSUE. I 'VE TRIED SEVERAL TIMES IN THE PAST YEAR AND A JUDGEMENT REMAINS ON MY CREDIT REPORT ERRONEOUSLY. XXXX IS THE NAME OF INDIVIDUAL THAT PLACED THIS ON MY REPORT. PLEASE REMOVE THIS FROM MY CREDIT REPORT. THANK YOU The piece of information that is wrong that is showing is the name XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-31
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I have several accounts the equifax worker deleted that was active on my account so since they deleted it off my credit profile equifax blocking it from reporting i sent all letters from creditors to them stating that they are reporting to all XXXX bureaus and equifax still fail to add XXXX, XXXX XXXX XXXX, XXXX bank, i need help getting these items

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-27
Company: URS Holding, LLC
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
I belive the date was XX/XX/2017 between XXXX & XXXX XXXX, when a XXXX XXXX from XXXX XXXX XXXX called my job on our recorded line and after being advised that the call was recorded asked for me using my first & last name. I was on the phone with a customer at the time, but sit right next to my manager that took the call. I could here him as he repeated my first & last name and asked XXXX if her call was personal or business related. She must have said personal or something related because I heard him tell her the employees could n't take personal calls at work twice. However, instead of ending the call, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX their XXXX XXXX XXXX proceeded to embarrass, humiliate me & caused me to get repremmended by insisting on leaving a non-prompted message for me. Next thing my manager is handing me a sticky note and telling me what sounds like a debt collector called & insisted on leaving a personal message for me after he advised we ca n't take personal calls. He said XXXX XXXX from XXXX XXXX XXXX said she was calling to give me some information. Then had a few words with me about personal calls. 
XXXX left the XXXX # for XXXX XXXX XXXX along with her extension XXXX. Which is misleading cause they call from a different # which is a XXXX state phn # XXXX XXXX XXXX XXXX. Now I 'm stressing because this can come up during a group random call review in training. Anyway now my job has this on record/recording which is not only humiliating but can be damaging to my reputation and profession and could cause me to lose my job. Later i found that XXXX XXXX Credit Card div is having them call. How could they have them do this to me?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-08
Company: WELLS FARGO & COMPANY
State: VA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
Wells Fargo has tried to swindle me! I put in an order to change my monthly loan payments from my Wells Fargo checking account to my XXXX checking account. They charged both accounts for the same payment on the same day! Fortunately, the old account was empty, because I am in the process of closing it. So, they withdrew the payment from XXXX account and charged me an NSF fee for the other. They admittedly had every intention of keeping the money from both accounts! In addition, they told me that in case the first order did not go through, I should order another payment, which I foolishly did, but on the federal credit union account, not the old WF checking account. I am waiting to see if they attempt yet a third payment. This is clearly a scheme to steal money from their customers by way of fees and duplicate payments.

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 2016-09-22
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
EQUIFAX has refused to investigate my dispute and refused to provide me evidence to support their claim to refuse to remove a collection claim in my name despite proving to them that I took the company to court where the judge point blank told the woman to stop harassing me, treat her customers right and to remove all remarks on all XXXX credit bureaus reports.Despite me providing EQUIFAX a copy of the woman 's own written statement that she has informed them to remove collection account from my name, EQUIFAX continues for the third year in the row to refuse to remove the account. What does it take for EQUIFAX to follow the law and remove false reporting in my name? All they say that they have " investigated it " but refuse to provide me any type of evidence and documents, and completely ignore the written statement from the woman behind the claim to remove it

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-19
Company: Seterus, Inc.
State: VA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
XX/XX/2015, my mortgage was transferred from XXXX XXXX to Seterus , Inc . I set up automatic bill pay with Seterus, the first payment was set to auto-draft on XXXX XXXX. They payment never went through ( I was checking my own XXXX XXXX bank account ). The loan was due by XX/XX/XXXX, so on XXXX I got onto the Seterus website and paid it manually ( not via auto-pay ) so as not to be late on my mortgage payment. Two days after I manually paid the mortgage online, now on XXXX/XXXX/15... 4 days after the payment was SUPPOSED to have gone through, Seterus withdrew my mortgage payment. This double-payment resulted in me over-drafting my account, which resulted in further fees from my own bank, and I now have no money until the end of the month. Seterus has no listed phone number or email address to contact them to get the issue resolved. Issues must be resolved via fax or via mail ( actual mail, not e-mail ). I have faxed them, but it has now been almost 24 hours and I have had no response, and no way to contact them. I am now unable to pay all of my other bills and will certainly incur late charges on those bills as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-01
Company: Seterus, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
The loan modification CONTRACT documents say I should pay one amount. The loan account statements say my payment is a different number, a higher amount. Why? This servicer 's documents are harder to read and comprehend than others ' I have seen. Is this failure to communicate an error on their part or mine. I thought that the contract amount was the amount that I should pay, not amounts after the signing by the parties. The amounts on page XXXX of XXXX, XXXX of XXXX, page XXXX of XXXX, and XXXX of XXXX are different numbers, and conflict with the loan modification contract amount on pages XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-17
Company: EQUIFAX, INC.
State: NH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have a charge off on my credit reports with XXXX, I have paid the bal owed in full. The company said they would remove the remarks ( charge off as bad debt ) and replace it with ( paid as agreed ) They would send XXXX credit bureas XXXX, equifax and XXXX the update. They since told me they have done that. I have spoken to XXXX credit bureas None of them will change it. I have been working hard to take care of my old debts. Looking forward to maintaing a good credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-31
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
While perusing my credit report, I noticed several items I did n't recognized. A address I did n't recognize and a collections bill from XXXX and XXXX I did n't incur. Please advise.

Company response to consumer: Closed with explanation