BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-10-11
Company: WELLS FARGO & COMPANY
State: NV
Product: Credit card
Issue: Other

Complaint:
Well, It all started in 2007 when I applied for a secure credit card with Wells Fargo Bank. I put down XXXX to open it the credit card. I did n't use the card that much, only to rent cars to go out of town. At the end of last year I found out that the secure credit card was no longer a secure credit card but a unsecured card card. I had called Wells Fargo Bank to check out my balance for my secured card and that was when the banker informed my that my card was unsecured. At that time I asked the teller where was the money I had put down to open the card and he said they had sent me the money {$1200.00} check in the mail. I told them I never received any check from them and he said that the check was returned to them because of incorrect address. I then asked them can they mail the check back to me with the correct address, but he said no because it was sent to the Nevada XXXX and I would have to contact them. 
I had contacted the Nevada XXXX but they said that nothing in their system show a check sent to them in my name. They looked through their system with my different names ( last ) and also with my social security number but NOTHING. I have called back and forth with Wells Fargo, I even went to a branch to try and get some answers but no luck, I 've also been dealing with Nevada XXXX with no luck. I am SO tired with Wells Fargo Bank giving me the run around. I need some answers or better yet my money that I am entitled to. PLEASE HELP!!!!!

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 2015-07-29
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
I submitted on line XXXX credit application now i have over XXXX on my credit i did not gave permition, to run my credit alos i am living or has lived at an address in XXXX XXXX which is where my ex wife lives also XXXX never lived there.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-03
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
Equifax has ignored my request to provide me with their verifying information they said is on file. It 's been past 30 days and they have not been able to verify the information. They are required to do so under section 611 ( 5 ) ( A ) of the FCRA or promptly delete all information. Please resolve this matter asap. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-01
Company: EQUIFAX, INC.
State: DC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
In XXXX 2016 I disputed a medical debt reporting as Creditor Claims of XXXX in the amount of {$840.00} on my Equifax credit report for XXXX reasons. First it is a medical debt ; second the collections company is reporting an incorrect balance as an outstanding balance, which is {$200.00} more than the original outstanding balance. I am questioning Equifax 's " investigation '' into my direct dispute with Equifax regarding this incorrect balance that is currently reporting on my credit report. It appears that Equifax did not conduct an independent investigation into my dispute. I have attached an invoice from my former dentist 's office for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-23
Company: EQUIFAX, INC.
State: AL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Shopping for a loan or lease

Complaint:
About six months ago, Equifax deleted XXXX auto loans I had from my credit report before the loans were paid off. On XXXX XXXX, XXXX I contacted Equifax about removing XXXX XXXX XXXX accounts that were originally opened in XX/XX/XXXX. Equifax informed me there was activity on the accouns in XX/XX/XXXX, therefore could remain on my credit report for seven more years. Now, they want remove these XXXX negative accouns that are over 20 years old, but they remove accounts that are n't even paid off yet. How is this not against the law? The auto loans were thru XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-15
Company: Seterus, Inc.
State: VA
Product: Mortgage
Sub-product: Other mortgage
Issue: Application, originator, mortgage broker

Complaint:
I am attempting to refinance my home with a new mortgage lender under the HARP program, and have requested a payoff quote from my current mortgage lender, Seterus. I requested this information on XX/XX/XXXX through their online request form, and again XXXX on XX/XX/XXXX and XXXX. To date (Sunday, XX/XX/XXXX) I have not yet received my payoff quote from Seterus, despite Federal regulations that I was to receive it within 7 business days. This is jeopardizing my ability to close my mortgage refi with the new lender by XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-29
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XX/XX/XXXX-XX/XX/2014, we were in the process of moving. We did not have a balance on this credit card. Unbeknownst to us, they added a monthly fee anyway. This particular company will not allow you to overpay, even when their system takes several days to process a payment ; days in which they continue to charge interest. A few months ago, we had another problem, their fault, and after speaking with customer service, we were told that both problems were taken care of. That all we had to do, anytime there is an issue, is call them. They stated that we were not reported for nonpayment to the credit bureau. This was supposed to be taken care of. Otherwise we threatened to close down this account. You can see that I am trying to improve my credit, any way I can. This one report is n't easy to overcome with the few repots I have. Thank you for your time. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-17
Company: ENOVA INTERNATIONAL, INC.
State: VA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
Net Credit contacted me via email back in 2013, I believe, in response to an online lending application made through XXXX XXXX. I needed the money to offset additional college expenses for my daughter, so I accepted the loan offer and paid this loan on time without default at any point with an interest of 160 %. During the initial conversation and on a subsequent loan offer, they advised they were licensed to offer loan products in Virginia. I agreed to the second loan terms, secured by my checking account with a 160 % interest in XX/XX/XXXX. Shortly, thereafter, I began receiving work and personal calls indicating I owed a payday lender and they were going to have me arrested. It was not until XX/XX/XXXX that I learned XXXX XXXX was a payday lender as they identified their loan as an installment loan. I did n't owe anybody so I chalked it up as a scam call. In XXXX, I was notified by the IRS that someone had filed a fraudulent tax return in my name. During the investigation of identify theft, it was learned that Net Credit, XXXX, and XXXX online lenders were possibly linked to a nationwide scam group and identity theft. I was advised to contact the Commonwealth 's Bureau of Financial XXXX to learn if either of these companies were licensed and/or registered to do business in the Commonwealth. In XX/XX/XXXX, I was notified that none of these companies were legal in Virginia and their practices were fraudulent and violated federal and state laws, including usury laws. In addition, the Office of the Attorney General and the SCC advised that online lenders are illegal in the XXXX of Virginia. These lenders were notified immediately to cease and desist all transactions against my checking account and remove any reporting to any and all credit bureaus. They have continued to harass through multiple daily phone calls, emails, and most damaging, the reporting of these loans as valid and past due on my credit reports. I am seeking to have these accounts removed from the credit bureaus immediately.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-09
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX, XXXX XXXX XXXX Dear CFPB Representative, On XXXX XXXX, 2017, I discovered Creditor, MABT/ContFin ( XXXX XXXX Credit Card ), and Equifax have violated my rights as it relates to the Fair Reporting Credit Act ( FRCA ). The Creditor and Equifax re-inserted the below previously deleted items without notifying me within 5 days that the items would be re-inserted in my credit files.. Under the Fair Reporting Credit Act, the Creditor and Credit Agencies are required to notify me within 5 days of re-inserting the previously deleted items. 

Agency Creditor Account Equfiax XXXX ( XXXX Credit Card ) Item Status : Item latest removal were on XX/XX/XXXX and XX/XX/XXXX. Latest reporting showing item re-inserted XX/XX/XXXX and after the FCRA period of expiration and with inaccurate information. 

As of discovered today, all items were re-inserted in on my credit file without me being notified within 5 days of the re-insertion and after the item FCRA 's reporting periods have expired. 

Please assist in resolving this matter quickly and having the credit agencies delete the negative information immediately. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-11
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
In 2012, I disputed incorrect information that appeared on all three of my credit reports. Equifax conducted an investigation and removed the record from my report. The FCRA requires that Equifax , in this situation, contact the other bureaus and tell them to delete the information from my record. This was never done. About three years later, the deleted information was reinserted into my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 been disputing with Transunion for the past nine months and they have yet to identify the specific details I asked for in my letters. They never respond to anything I send and there are quite a few accounts that have false information that they are reporting. I just want things to be reported properly and the items removed that aren't reflecting the right information. I have a lot of goals that need to be reached and my credit score needs to be correct, I also need most of the negatives removed for my goal to be captured. I will attach all the letters I've sent to this complaint so you can see my frustrations.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-16
Company: Dovenmuehle Mortgage, Inc.
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
unable to check my balance or any other information about my loan over the phone or online. spoke to numerous customer service personnel .no one able to tell me why i can not access my account .tired being on the phone 45 minutes at a time back and forth transferring from department to department

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-23
Company: WELLS FARGO & COMPANY
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
Hello everyone my name is XXXX XXXX and I had a Business account with Wells Fargo which soon sky rocketed down because I was not informed that this third party would have access to my account to take out funds for a credit/debit card machine, So as they began to withdraw funds, I was being over drafted every month {$34.00}. I called the bank to ask about the situation and I was told that the funds that was causing my account to over draft was for a " cash register '' that I never received. So I asked them who gave them the authorization to go into my account to take out the funds, so they then told me that they were going to get in contact with the third party to stop what was going on but it never happened. So that left me no choice but to close out the account, which made my daily income to go from $ XXXX- {$20.00} because most customers used debit/credit cards and not cash, which made me lose customers. With me having XXXX kids, a XXXX father, XXXX husband, and this being my " first business '' made it very difficult for me to have time to go open up another business account somewhere else. One day I had to close down to go open another account with a different bank, and when I went to XXXX and XXXX XXXX XXXX I asked them did they have any third parties that they hired for the card machines and I was told Yes. So since the bad experience with Wells Fargo I lost trust with banks and this third party having access to my business account, which meant I could not accept no more debit/credit cards for my restaurant. Which left me no more business and bad credit because of them charging me for closing out the account and the credit card machine that I have today. So if someone can help me with this issue with Wells Fargo or just maybe my experience can stop the banks and there third parties go into peoples accounts taking out funds.

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 2016-06-19
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
WELLS FARGO IS WRONGFULLY REPORTING 30 DAY LATES FOR SEVERAL MONTHS FROM XX/XX/XXXX-XX/XX/XXXX. I HAVE TRIED TO CONTACT THEM AND PROVIDED PROOF OF PAYMENT FOR EACH MONTH THEY REPORTED LATE, BUT MY REQUESTS KEEP GETTING IGNORED. WELLS FORGO STATES THEY WILL NOT CORRECT OR REMOVE LATES AND HAVE SENT ME PAYMENT HISTORY WHICH DOES SHOW ALL PAYMENTS RECEIVED IN A TIMELY MATTER WITH NO LATES HOWEVER ON MY CREDIT REPORT THEY ARE REPORTING LATE ... THIS IS VERY CONTROVERSIAL INFO, HOW CAN THEIR PAYMENT HISTORY SHOW PAYMENTS MADE ON TIME BUT THEIR REPORTING TO BUREAUS SHOW LATES .... 
WELLS FARGO HOME XXXX # XXXX XXXX XXXX XXXX XXXX XXXX , IA XXXX Phone number not available Date Opened : XXXX/XXXX/XXXX Responsibility : Joint Account Account Type : Mortgage Account Loan Type : CONVENTIONAL REAL ESTATE MTG Balance : {$420000.00} Date Updated : XXXX/XXXX/XXXX Payment Received : {$4000.00} Last Payment Made : XXXX/XXXX/XXXX High Balance : {$440000.00} Original Charge-off : {$0.00} Pay Status : Current ; Paid or Paying as Agreed Terms : {$4000.00} per month, paid Monthly for 480 months Remarks : DISP INVG COMP-CONSUM DISAGRS XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Rating OK OK OK OK OK OK OK OK OK OK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Rating OK X OK OK XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Rating XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Rating XXXX XXXX XXXX XXXX

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 2017-04-06
Company: Rent Recovery Solutions
State: TX
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:
In XX/XX/2013 I was enrolled at the XXXX and inquired about a few apartment complexes. " XXXX '' happened to be one of the many apartments that I viewed as an option, I did provide them information to see if I met their qualifications as an applicant but I never signed a leasing agreement. On XX/XX/2013 I received an email from the property manager XXXX stating that I did not come to pick up my keys, I immediately contacted her for clarity because I only inquired about the apartment but never signed a lease. On XXXX/XXXX/2013 I received another email advising me that my account had become delinquent which I was flabbergasted by being that I contacted her after the first email to advise her that I was not a tenant at this apartment complex and never signed any documents. Again on XX/XX/2013 I received another email stating that my account was again past due, I called again down to the office and spoke with the property manager XXXX and she at this point offered me a settlement for 3 months of rent stating that she had sub-leased the apartment in XX/XX/XXXX. I of course declined her offer being that there was never a leasing agreement signed. I never heard anything back from her after asking for her to fax me a copy of said lease that I signed. This account has been added to my credit report and this is not a debt that I owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-26
Company: DISCOVER BANK
State: MA
Product: Credit card
Issue: Billing disputes

Complaint:
I mailed a check for my monthly Discover credit card payment on the day the bill arrived ( i.e. in plenty of time to reach Discover before the due date ). Because I am carrying a balance on the card, I am particularly meticulous about paying on time since they have the right to hike up the interest rate if the payment is late. I recall making the payment, and my checkbook contains an entry for the payment and a carbon copy of the check made out to Discover. 
Discover claims they never received my payment ( according to a letter they mailed me ). They billed me {$27.00} for late payment, and might increase my interest rate from the current 4.99 % to 17.99 % ( I have not received any notification of an interest rate change yet ). 
I have a 20 year history of *never* being late making a mortgage payment, or payment on either of my XXXX credit cards. 
The dollar amount of this complaint is so tiny that I am not asking you to spend any time trying to recover it - you have real crime to fight ; - ). However, I am wondering if Discover plays this game routinely ( pretending to lose payments ) so that they can charge fees and increase interest rates? I want you to know of my experience in case I am just one of many people experiencing the same issue with Discover. 

I also noticed in the complaint database ( thank you for the database! ) that other Discover card holders have been offered cash back on their Discover card if they sign up, only to find that when they are about to qualify for some cash back, the offer is rescinded. I had exactly this experience 20 years ago when I signed up for my Discover card. Because of this, I never used the card until just recently. I only used it about four months ago, and already I feel I am being scammed once again by Discover. 

Finally, I am now paying Discover electronically, and verifying each payment via a phone call to Discover immediately after making the payment. 

Thank you, and keep up the great work!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-07-14
Company: CITIBANK, N.A.
State: MA
Product: Credit card
Issue: Late fee

Complaint:
I paid my Citicards statement on line on the due date ( XXXX XXXX ), however the company did not post the payment until XXXX XXXX and charged a {$27.00} late fee. I have never had a late payment on this card. I sent a message to Citicards requesting a credit on XXXX XXXX. The automated response promised a response within 24 hours, but no response. I called the customer service rep ( XXXX XXXX XXXX ) on XXXX XXXX, was told that the automated system did not allow a credit, and that I could not speak with a supervisor. She said that she would ask a manager to call me back within 2-3 business days, but no call back. Very frustrating.

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 2017-01-09
Company: WELLS FARGO & COMPANY
State: NC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I was approved for a deed in lieu XX/XX/XXXX after trying to get my Loan modification for three years denied. Once we called Confirm all documents requested was received We moved out by vacate day XX/XX/XXXX. 
XX/XX/XXXX we received a Denial letter Called back XX/XX/XXXX to find out why and we still wanted the deed in lieu We were told they had to investigate after investigation they told us it 's to let to be review for a deed in lieu it has to be 45 days one represtative told us 15 days you never get the same Answers to many people work on one file

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 2016-04-18
Company: Home Point Financial Corporation
State: MI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Settlement process and costs

Complaint:
I had a stream line fha loan refinance and the loan i signed and what actually happened are different in regards to the payoff of my loan to wells fargo. I was also told by this new loan co. not to pay my XX/XX/XXXX payment. and any late fees interest and p.m.i. would be taken care of by them. I was also told that my escrow would be rolled into my new loan. I went from a XXXX adjustable rate with wells fargo. to a XXXX fixed rate. My payment was suppose to be XXXX a month but they screwed up my escrow and missed a payment on my taxes in XX/XX/XXXX costing me more money on my tax return as I could not deduct the taxes that were not payed in 2015. I sent several messages to Home Point Financial requesting a loan expert contact me in regards to this loan. They kept spinning me and told me to contact transtar tittle co. I tried that and no one returned my calls. They again told me to contact the loan originator. I received a call from his secretary and she said he would contact me back. This was XX/XX/XXXX and still no call. I need help in going over the issues i found in this loan.

Company response to consumer: Closed with explanation