BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-08-30
Company: Freedom Mortgage Company
State: VA
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Freedom Mortgage Corporation is denying receiving monthly payments that were withdrawn electronically from checking account by their bank, XXXX XXXX XXXX. Freedom Mortgage has taken no action to track done these payments through XXXX XXXX even though they were given the Trace ID numbers. The only response to date on my requests to resolve these payments issues are letters saying they need 30 days to research, but it 's now nearing 60 days old and no response. I need assistance to resolve this issue as Freedom Mortgage only cares to charge me interest on payments their Bank withdrew and has no incentive to cooperate with me as they would prefer to foreclose and take my home. All request to talk to a senior supervisor while on the phone have been denied. Freedom telephone response is either their Cash Department or Research department will look into it. 

The problem began when I changed my checking account and bank routing information using Freedom Mortgage online system. Freedom says I closed my reoccurring payments, but their bank, XXXX XXXX XXXX, continues the unauthorized withdraws from my checking account without anything being posted to my loan. It appears Freedom Mortgage system did not properly transmit the correct data to XXXX XXXX XXXX. XXXX XXXX continued the withdrawals in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, and this money is either going to someone else 's loan or being deliberately stolen my employee theft. Freedom Mortgage has charged me interest on my account for the mistakes made by them and XXXX XXXX, which is illegal and fraudulent. My bank has been on the calls, agrees with this assessment, and has never seen such bizarre behavior.

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 2016-03-03
Company: U.S. BANCORP
State: MN
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I am steady receiving harassing, threatening and abusive telephone calls and death threats from U.S. Bank debt collectors for a debt and checking accounts that was opened up in my name, illegally and fraudulently. I have never applied or opened a checking account with U.S. Bank. I am a victim of identity theft.

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 2016-11-08
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I am a Victim of Identity theft. I have been working tirelessly to follow all the steps required to cure this. Police reports, Fraud Affidavits and contacting all the creditors. There have been several accounts opened in my name. After countless disputes to Equifax, they are still reporting this Fraudulent account. And verifying that this Fraudulently account, XXXX BANK & XXXX, XXXX is mines. 

Nothing could be further from the truth & it seems that Equifax is adamant to report an account that was opened due to Identity Theft on my credit report. It is true that this account was opened in my name. Although ... 

I did n't open this account. 
I had no knowledge of this account I never made any payments on this account I never received any bills for this account I never received any good or services from this account I never gave anyone consent to open any credit in my name, including this account On XXXX XXXX, 2016, Equifax deleted this from my credit file ( see the attached ). Then days later they began to re-report this Fraudulent account as mines. 

I do n't know what the problem is with Equifax & XXXX ... .. As this account was surely, 100 %, opened in my name. It was opened by someone else. *I DID NOT OPEN THIS ACCOUNT WITH MY AUTHORIZATION! I HAVE NEVER HAD ANY KNOWLEDGE OF THIS ACCOUNT* I am tired & frustrated regarding this same issue. This is the last Fraud accounts that is still being reported on my credit report. I have done EVERYTHING that I was supposed to do. With respect to protecting my identity & my consumer rights, there is an abundance of unscrupulous activity being used against me to permanently remove the fraudulent accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-19
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I have contacted Equifax , XXXX, and XXXX on several occasions to remove to old Dismissed chapter XXXX bankruptcies. To know satisfaction, I therefore contacted XXXX Virginia 's federal bankruptcy court. They explained to me that they do not removed old bankruptcies it is the mission of the XXXX credit bureaus. Each one came back stating the information was being reported currently. That is not correct. One Chapter XXXX was filed on XX/XX/XXXX and dismissed on XXXX/XXXX/XXXX with a total of {$0.00} balance. case XXXX # XXXX in XXXX, Va. This should have been removed XXXX XXXX. The fair credit act states that all XXXX XXXX should be removed after 7 years. The next case # XXXX, was filed in XXXX, Va on XXXX/XXXX/XXXX and dismissed the same month with ) XXXX Balance also. This should have be removed back in XXXX XXXX. The credit bureaus or the U.S. bankruptcy courts are not assisting me in this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-27
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
XXXX XXXX District XXXX Identification number XXXX judgement XXXX Address identification number XXXX They are stating that I owe then {$11000.00} on my credit report. I only owered {$1700.00} which ahs been paid. This wa from 2010. This has stopped me from buying a house because they have entered the number WRONG. I have tried for 5 years to get it right with XXXX.The other XXXX credit reporting agencies have deleted it. PLEASE HELP. HAVE it all removed today. 
Their address is XXXX XXXX XXXX XXXX XXXX KS XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-02
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I recently reviewed my Equifax Credit Report. I continue to view Inquiries made on my Equifax Credit Report that I do n't recall authorizing. Equifax continues to reply to my disputes regarding inquiries with a standard response EVERY SINGLE TIME. The response is the following " Equifax has reviewed your complaint and its records regarding your dispute. Please be advised that inquiries are a factual record of file access. If you believe the inquiries are unauthorized, Please contact the creditor directly and follow their internal fraud procedures. Written confirmation has been mailed to you ' ''. This is contradictory to several of my previous disputes through CFGB regarding inquiries displaying on my Equifax Credit Report. The following are the case numbers with CFGB that Equifax did not reply with the standard response and had the inquiries removed, XXXX & XXXX. I am requesting that Equifax remove the following inquiries from my Equifax Credit Report ... .. 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX ( I 'm not in the market in Buying or attempted to buy a house in over 2 years ) XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX If after the investigation Equifax believes that the inquiry are legitimate I demand that Equifax provide me the name of the Equifax Representative who conducted the Investigation and the name of the individual ( creditor ) that was contacted to confirm that the inquiry was legitimate. Furthermore, if such evidence exist I demand that Equifax send me a copy of such alleged documents so I can verify it 's validity.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-17
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
ON OR AROUND XXXX XXXX, 2016 CONSUMER ( MYSELF ) FAXED TO CREDIT REPORTING AGENCY " EQUIFAX '' A IDENTITY THEFT FRAUD AFFIDAVIT PACKET CONTAINING A XXXX POLICE REPORT AND SEVERAL DISPUTES ALLEGING FRAUDULENT ACCOUNTS BEING OPEN WITHOUT HIS ( MYSELF ) CONSENT. PER FEDERAL LAW, INFORMATION RECEIVED TO BLOCK SUCH INFORMATION SHOULD HAVE BEEN TAKEN WITHIN 5 BUSINESS DAY HOWEVER, CONSUMER HAD TO CONTINUOUSLY DISPUTE ACCOUNTS AS IF NOTHING WAS EVER RECEIVED VIA FAX. TO THIS DATE NEGATIVE ITEMS REFLECT ON REPORTS AND EQUIFAX IS REFUSING TO TAKE SUCH ACTIONS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-28
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
Equifax failed to Block fraudulent information on my consumer credit report that is being reported as a result of identity theft. Per XXXX XXXX XXXX ( a ) I have mailed Equifax a dispute on XXXX XXXX, 2016 about fraudulent accounts being reported on my consumer report attached with my dispute i attached my police report and FTC fraud affidavit and Equifax did not comply with XXXX ( a ) despite telephone calls and electronic communications about the fraudulent accounts being reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-10
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
Here are the items I have identified as inaccurate. 

Incorrect Name : XXXX XXXX XXXX This name is incorrect and is not an accurate name for me. Delete this name for violating the FCRA. 

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX This address is incorrect and is not an accurate address for me. Delete this address for violating the FCRA. 

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX This address is incorrect and is not an accurate address for me. Delete this address for violating the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-21
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
This is not the first time I have filed this complaint with you concerning this matter. Information From XXXX that should have been removed off my credit report since XXXX XXXX. I missed XXXX loan payments XXXX XXXX thru XXXX XXXX my loan was modified XXXX XXXX have never missed a payment since modification. XXXX sold/transferred my loan 4 years later XXXX XXXX to XXXX my current lender. Equifax was contact by me several times. Their answer was that when my loan was sold/transferred to XXXX on XXXX XXXX. I must count 7 years from the sold/transfer date and not the date the account first became delinquent which was XXXX XXXX they will remove late payment off my credit report XXXX. This means I would be carring this negative information for 11 years. I have search high and low and can not find anywhere that this is the law concerning sold/tranferred loans. If my loan is sold/transferred tomorrow does this mean I start over again the seven years? I would like for this to be removed it is over due. A new credit report to show removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-08
Company: U.S. BANCORP
State: MA
Product: Credit card
Issue: Billing disputes

Complaint:
I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX days past due as of XX/XX/2012 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

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 2017-03-26
Company: WELLS FARGO & COMPANY
State: FL
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
I have a vehicle loan through Wells Fargo that I am paying off.every time I pay a large sum at one time they introduce a payment cap. Fest I could not pay more that {$560.00} at a time, now I can not pay more than {$460.00} at a time. They are forcing me to pay unnecessary interest.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-27
Company: WELLS FARGO & COMPANY
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
wells fargo refusing to issue statement for auto loan itemizing fees and interest never received statement called several time all 4 reps were unable to provide resolution or explanations

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-03
Company: CURO Intermediate Holdings
State: TX
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
I borrowed {$480.00} and now I 'm expected to pay back quadruple that amount. 
i.e. : XXXX from XX/XX/2016 until XXXX 2016 I 'm XXXX, on a fixed income, this is PREDATORY LENDING at it 's finest. 

WHO IS MAKING ALL THAT INTEREST ON THIS MONEY! IT 'S REALLY A SHAME BEFORE GOD!!! 

Also while checking for the link to try and pay off early, it 's not there, but I did discover there was another loan pending online there, ONE ; I DID NOT APPLY FOR, but NOW, IT 'S GONE! I SCREENED SHOT A COPY TO ATTACH TO THIS COMPLAINT! 

I do believe someone is committing FRAUD!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-14
Company: WELLS FARGO & COMPANY
State: WA
Product: Credit card
Issue: Late fee

Complaint:
Wells Fargo Personal Credit Card ( including all other consumer products ) forcefully required all consumers to change their user profile and passwords in late XXXX - early XXXX without the adequate provision for consumers to retrieve their information in the event they got stuck, forgot their tangible card. This change got me locked out of my account a few many times causing delays in my credit card payments. Upon speaking to WF on the third lock down and one delayed payment, no action was taken to rectify this and I was recorded with a delayed payment on my credit score. I want to take legal action on WF for not providing consumers with provisions to retrieve their information at any given point in time. Security robustness can be provisioned without inconvenience.

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 2015-07-09
Company: WELLS FARGO & COMPANY
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Settlement process and costs

Complaint:
I put in an offer on a house which was accepted on XXXX/XXXX/2013. I had already been pre-approved by Military Family Home Loans ( co-owned by XXXX and Wells Fargo ) who was the originator of my loan. I had to constantly re-submit requested documentation due to dealing with " XXXX underwriters ''. Additionally, I was never presented with the closing paperwork prior to actually closing on my house. The closing date was set for XXXX/XXXX/2013, and as of XXXX the night before we still had not received the closing paperwork or final amount needed for the down payment. On the day of closing, the paperwork was finally received shortly before closing at XXXX, and I come to find that my monthly payment was increased to {$1700.00} a month, approximately 11 % more than the original {$1600.00} I was quoted in the Uniform Residential Loan Application/HUD. Upon calling my loan officer, I was informed that the underwriter made a mistake regarding property taxes, and there was nothing she could do. Therefore I had no choice but to close at that time, or risk losing the house.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-13
Company: Red Cedar Services, Inc
State: VA
Product: Debt collection
Sub-product: Payday loan
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
I am in bankruptcy chapter XXXX. Third party company continues to call after I have informed them I am in Bankruptcy XXXX. Told me today they were calling XXXX, Police and others to be at my home shortly. I left work to go home. The numbers calling from are:XXXX andXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-04
Company: WELLS FARGO & COMPANY
State: MD
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
I have a HELOC w/ Wells Fargo Bank . While out of the country on business XX/XX/XXXX. and XX/XX/XXXX I missed the notice to renew my home owners insurance policy from the insurance company. When I returned I renewed my coverage but not before there was a lapse in coverage. 
Wells Fargo sent me a letter requiring me to demonstrate the property was covered by adequate insurance coverage and although I had the coverage I was not inclined to immediately demonstrate it to Wells Fargo so they can earn a risk premium on the HELOC when they incur no risk. XX/XX/XXXX, after having received several warning letters from Wells Fargo, I called them but was told I would need to fax ( NOT scan and attach to an email message ) the proof of insurance. I visited a local branch and they assisted in faxing the proof of insurance to Wells Fargo. Thereafter I received another letter fm Wells Fargo notifying me that they had purchased an insurance policy for my property since I had failed to demonstrate proof of coverage. I returned to the branch on XX/XX/XXXX and we again spoke w/ the contact provided and again faxed the policy since they had no record of having received the first fax. I was assured that I would receive a letter in several days. 
On XX/XX/XXXX I received another letter informing me that I have been charged a prorated portion of the imputed insurance premium for the period of time where there was a lapse in coverage. Although much less that the larcenous rate I was first quoted of {$3200.00}, I was told that I owe now owe {$670.00} for the coverage. ( My coverage for the entire year costs {$910.00}! That they could not negotiate a premium w/ their purchasing power demonstrates to me that there is no 3rd party insurer but rather this represents an imputed amount att he maximum rate they feel they can pass along. ) Wells Fargo is requiring reimbursement for an imputed premium for a period of historical time where there is no liability. I could understand if I did not have coverage and could not demonstrate it going forward, but to impute it retroactively is nothing but a money grab!

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 2017-01-03
Company: WELLS FARGO & COMPANY
State: AZ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
XXXX Payment - Same address as the XXXX listed on complaint This item is being disputed is due to communication breakdown between Wells Fargo and XXXX XXXX. I spoke with XXXX from Wells Fargo on XX/XX/XXXX at XXXX XXXX ( His ID number is XXXX XXXX. I asked why have I not received any email reminders as I have in the past and he had no answer to that. I also received a letter on XXXX XXXX from Wells Fargo letting me know about the late payment, with nothing prior to that. This letter came after the fact, a phone call or email should have taken place to remind me of the late payment per my electronic communication agreement. The payment was made along with future payments, I would like to get the 30-day late payment removed from my credit report, since the payment was made and no communication with Wells Fargo took place reminding me of the payment. I signed up for electronic communication when this account was opened and opted out of paper communication. I should have received my monthly reminders as I have in the past, but that did not take place and was confirmed by XXXX XXXX, that I should have. I also spoke with XXXX ( ID # XXXX ) on XX/XX/XXXX around XXXX XXXX. and he did not help in any way, I have not missed a payment with Wells Fargo since I got my Mortgage with them on XXXX. I have always gotten the email communication. I have plenty of Cash in my Checking account, so lack of funds was not an issue. ( I can supply bank statements if deemed necessary ). XXXX also provided me with a phone number which they stated was used to let me know about the payment, but that number was no longer in service ( Since XX/XX/XXXX ). I changed the number on the Online system but according to them that never took place. I would like to have them remove the 30 day notice from my Credit Reports, since they did not provide me with the electronic communication which was agreed upon when I signed up with them. I have worked very hard on my Credit Report and it has decreased by XXXX points due to this matter, which I feel is due to their mistake.

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 2015-10-01
Company: CNG FINANCIAL CORPORATION
State: WI
Product: Debt collection
Sub-product: Payday loan
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
this loan company me almost 7days a week XXXX times a day. I know i owe them for my debt but harassing me constantly is just starting to upset me

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-22
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Dear sir/madam, as I was going through my credit report on EQUIFAXthen I noticed a negative report on my credit. The negative report was from a Company called XXXX XXXX XXXX any time I dispute the account, they kept sending a letter at my home address saying they investigated the dispute and notice it was mine. First I have never had any account with XXXX XXXX. Second, They have to explain which address I was living when I acquired this dept. .I do n't know how they got my social security and my date of birth because I know I have never had any account with XXXX XXXX or any of it affiliates. 
I am requesting that XXXX XXXX XXXX or any of their affiliates should remove such negative statement from my credit report

Company response to consumer: Closed with explanation