BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-11-03
Company: Seterus, Inc.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have a sale date coming up forXX/XX/XXXX, and I am really stressing out. Seterus offered me a modification with a higher payment in XX/XX/XXXXbut I could n't accept that one due to me not having a job or any income from my end. The only income was my wifes XXXX and during this time I was fighting to get Social Security income. Around this time XXXX XXXX and XXXX XXXX had created a new modification called the Flex Modification program. I tried applying for that one starting XXXX and they said I could not apply until XX/XX/XXXX. I applied for a modification and on XXXX they denied me for the Flex modification. I was waiting to receive the denial letter, and I never received it through mail. I had to get the denial letter faxed over to me. When I received it I told them that Seterus representatives had told me that the flex modification reviews would start until XXXX XXXX? Why was I denied so soon? Then I was advised I could submit a new packet for review. I submitted a new packet and they gave me until XXXX XXXX to submit any missing documents. I have been calling everyday and the file is still under review. They have all required documents and I have not been approved nor denied. A request to postpone the sale was submitted and they said the only way they will postpone the sale is if I get approved for a modification. The strange thing is that XXXX XXXX from Seterus stated that my file was being reviewed for a deed in lieu. I never specifically asked for a deed in lieu, I told them in writing to give me enough time to apply for a short sale or deed in lieu as a last resort if denied for the modification review. I called today XX/XX/XXXX and I was informed the request for sale date postponement was denied. They went back on what they had said and I fear that they will just deny me because of the sale coming up. They said that even if the file was under review and I had not been approved nor denied, they will still continue with the sale without giving me an answer. I tried for the flex and it didnt go through, I want to be given the opportunity to apply for a short sale due to a person interested in buying the property and me speaking with a real estate agent.

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 2021-09-10
Company: JPMORGAN CHASE & CO.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have these accounts that are not mine and i want them to be removed from my credit. 

1. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXX Account XXXX : XXXX This is not mine. 

3. Identity Theft XXXX XXXX XXXX  Account Number : XXXX This is not mine. 

4. Identity Theft JPMCB CARD Account Number : XXXX This is not mine. 

5. Identity Theft JPMCB CARD Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-22
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
On XX/XX/2019 I went to Huntington Bank in XXXX to open up account that would pay {$200.00} if you made a deposit of {$10000.00} and maintained for 60 days. The lady opening account open the account that I did not ask for. She closed that account and open the account that will pay me the {$200.00} but forgot to put in the promotional code XXXX. The promotion stated {$10000.00} cumulative deposits have to be done within 60 days I deposit {$25000.00}. I've talked to a XXXX XXXX on several occasions and he told me someone is investigating. This was a problem created by the bank but the bank will not correct the problem.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-09
Company: AES/PHEAA
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I consolidated my loans due to the PSLF waiver and I repeatedly got told that if I consolidate, my loans would restart. I had over 100 and this information caused me to wait to consolidate, waste tons of time researching and call waiting on hold or messaging with no responses. I am in a limbo now with my loans and it is still showing 0 counts toward PSLF. Fed Loan is not changing any verbiage and this is freaking many out and making many more not consolidate in order to benefit from the waiver. I am also showing payments that were made and are showing that I was in forbearance but payments were made at that time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-03
Company: BANCO POPULAR DE PUERTO RICO
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I filed a CFPB complaint ( XXXX ) to Banco Popular for charging me an annual fee and not letting me use the card, and now they closed my account without ANY COMMUNICATION. They stated they suspect identity theft but it 's me all along, this is absolutely insane. If they want to verify my identity all they have to do is contact me but they never did.

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 2022-03-09
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: Investigation took more than 30 days

Complaint:
On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. According to the FCDPA 15us 1692g the bureaus have to report 100 percent accuracy this is a violation i am demanding proof on how these accounts were validated.

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 2022-03-09
Company: AES/PHEAA
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
FedLoan sent me a letter stating that they have evaluated *all* of my employment history for the federal student loan forgiveness program. This is not possible, as I sent in 12 years worth of history / forms, and they have only looked at and counted five years worth of my forms. This type of communication is inaccurate, and causes anxiety. They are impossible ( IMPOSSIBLE ) to get a clear answer out of. When I try to call, I am often on hold for 4+ hours, and sometimes am hung up on by the customer service rep who answers. I expect more expedient and complete counts of my qualifying payments toward my student loan forgiveness.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
My business checking account was recently closed without warnings even though I had funds in the account and nearly zero activities on the account. I 've been with Bank of America for the past 3~4 years and suddenly they do this, it 's very strange. They are holding my available funds of {$3000.00} hostage as interest-free loan.

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 2017-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I was limited to options in selecting my dispute and complaint I am submitting. To clarify there is a bank " XXXX XXXX XXXX XXXX '' that is reporting a loan I had with them as Chapter XXXX Bankruptcy ... ..I 've never filed for chapter XXXX nor chapter XXXX bankruptcy and this information reporting is false and untrue. I have been disputing this with the credit reporting agency 's but need to wait at least 30 days before the disputes are finanlized. In the meantime my credit score is low because this remark is reporting. I 've tried to rectify and have this false information removed off my credit reports but to no avail. XXXX XXXX XXXX XXXX should not have reported that I did chapter XXXX. I am submitting this complaint because it is ruining my credit score with this false information and I want that remark removed off my credit reports. I am going to submit this complaint because XXXX XXXX XXXX XXXX XXXX is not listed to receive complaints. I am in hopes that CFPB could assist me in this matter.

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 2017-11-03
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Experian is reporting my first name as " XXXX '' and last name as " XXXX '', although I have provided documentation to verify my identity. My first name is spelled with one XXXX and I have never had the last name " XXXX ''. I have called them and written them letters, yet they refuse to remove this erroneous personal information from my credit report. I do not understand this. Attached is my identifying documentation that substantiates my identity. I have also attached their erroneous reporting.

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 2022-03-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
XXXX a check was cashed into savings with the amount of {$3900.00} XXXX zelle transfers was made multiple transactions

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 2022-03-09
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. According to the FCDPA 15us 1692g the bureaus have to report 100 percent accuracy this is a violation i am demanding proof on how these accounts were validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-18
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXXARD Bank Credit Cards Inquiry date : XX/XX/2021 THIS IS NOT MY INQUIRY, PLEASE REMOVE THIS FROM MY CREDIT 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 non-monetary relief
Consumer complaint received 2017-11-03
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Hi Team, I was checking my credit report using XXXX portal and found that there are below hard inquiries without my consent or I am not knowing it : 1. XXXX Inquiry from XX/XX/XXXX2. XXXX XXXX - Arizona Inquiry from XX/XX/XXXX 3. XXXX Inquiry fromXX/XX/XXXX 4.XXXX Inquiry fromXX/XX/XXXX 5. XXXX XXXX XXXX C Inquiry from XX/XX/XXXX I want to dispute these and have them removed from my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09
Company: Rauch-Milliken International, Inc.
State: OR
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
It is widely known that XXXX XXXX became XXXX XXXX and as a failing business model ( numerous complaints ). In the past I was contacted annually to renew my yellow page advertising. In anticipation of closing my business in 2019, I canceled my advertising. 

In addition, XXXX XXXX and XXXX XXXX failed to live up to their contract terms of providing XXXX yellow page books to XXXX XXXX. I contacted them that I had not received my annual copy of the phone directory and yellow pages. 

The amount owed is incorrect and fraud for two reasons. I terminated the agreement, never agreed to continue the 'advertising, and the company did not provide the service they promised.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22
Company: WELLS FARGO & COMPANY
State: NJ
Product: Debt collection
Sub-product: Auto debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
I am a natural person and a consumer. This is not a duplicate complaint. After WELLS FARGO AUTO received my Cease and Desist letter, stating that they cease all communication with XXXX XXXX and XXXX XXXX, WELLS FARGO sent me a letter of repossession warning, stating they are attempting to collect a debt which is is violation of 15 USC 1692c ( c ). This is also a form of communication and a violation of my privacy rights. I did not give WELLS FARGO written instructions with permission to share my personal information with anyone. I have made several attempts to obtain validation of this alleged debt pursuant to 15 U.S. Code 1692g. WELLS FARGO AUTO has made it clear that they will not be sending anymore documents required by federal law to validate the alleged debt. At this time, pursuant to 15 U.S. Code 1692g ( b ) of the FDCPA, I am requesting the name and address of the original creditor which WELLS FARGO AUTO MUST provide. WELLS FARGO AUTO has stated on the record that the FDCPA does not apply to them and that they have their own set of laws to comply with. WELLS FARGO AUTO has also stated on the record that they will continue to collect the alleged debt, and that the Cease and Desist only refers to communication. This is a violation of my consumer rights! By requesting the name and address of the original creditor, WELLS FARGO MUST cease all attempts to collect this alleged debt until they provide the name and address of the original creditor.

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 2022-03-09
Company: Mr. Cooper Group Inc.
State: UT
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I was told over and over by my mortgage company that my payments would be the same after my Covid relief and that everything that was missed would be put onto the back of the loan. Now my payments are becoming due and my house payment went up {$300.00}. This was deceptive.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-03
Company: Pacific Union Financial, LLC
State: MO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My homeowner 's insurance was cancelled by XXXX two months after my home closed. They sent me a refund check. My insurance agent found another company, XXXX XXXX, and had them send the bill to my mortgage company Pacific Union Financial. I deposited the money into my escrow account on XX/XX/XXXX and contacted Pacific Union 's mortgage department and insurance department to make them aware of the change.
On XX/XX/XXXX a noticed was mailed to by XXXX XXXX saying the my homeowners insurance was being cancelled for non-payment on XX/XX/XXXX. I contacted Pacific Union onXX/XX/XXXX and they said a check had been mailed out but to the wrong insurance company. They gave me a tracking number and said a new check would be mailed to the correct company.
I checked the tracking number onXX/XX/XXXX and it showed that the label had been created but nothing was ever shipped. I called Pacific Union and they told me they could n't give me any information about the check being cut because the person I spoke to was out for the day. They told me they would look into it and call me back.
I did n't receive a call back so I called again on XX/XX/XXXX and was told that they had no resolution and that they would need to check with their accounting department to see if a check was ever cut and that it would take 24-48 hours to determine if it had been and that they would call me back.
I did n't receive a call back again so I called today,XX/XX/XXXX and was told a check was mailed to the correct insurance company and was given a tracking number. I checked the tracking number myself and show it was delivered. I asked why no one called me back despite being told numerous times they would follow up with me, and was told they were too busy.
At this point, I 'm waiting for my insurance agent to confirm the insurance company received the payment.
This is more of a complaint than asking for a resolution, but I wanted it to be known that Pacific Union sent my escrow money to the wrong carrier, did n't tell me and then it took multiple phone calls to get the check despite the fact my insurance is getting cancelled in 4 days.
I did everything I was supposed to do according to my insurance agent and Pacific Union 's mortgage and insurance departments yet was told they were too busy to follow up on their part.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Gentlemen, Please contact me regarding the fraudulent activity that I have reported numerous times to no avail. I have contacted XXXX XXXX, XXXX, Transunion, and XXXX and have disputed this multiple times, in which XXXX XXXX reports valid. This is not the case. 
I am requesting the recorded phone calls for training purposes be reviewed by your escalation liaison.

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 2020-11-07
Company: EQUIFAX, INC.
State: MS
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: Investigation took more than 30 days

Complaint:
THESE ACCOUNTS WAS LISTED ON MY CREDIT REPORT I NEVER OPENED THESE ACCOUNTS MY INFORMATION WAS USED IN A DATA BREACH CAUSE THESE COMPANIES DO NOT RING A BELL PLEASE HAVE THESE REMOVE FROM MY FILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-20
Company: Navient Solutions, LLC.
State: IN
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I had made a payment of almost {$3000.00} in XXXX XXXX to pay me up thru the end of the year. Received a bill in XXXX XXXX. I called Navient and asked why I was receiving a bill when I had paid in XXXX for the rest of the year. The Rep stated that only paid me up thru 6 months. I told her that was incorrect and also pointed out that if it was to cover 6 months, it would have also covered XXXX payment in full. She then stated that we I had a variable rate, so the amount paid in XXXX was not enough to cover. I then stated that I was not aware I had a variable rate loan and asked that a copy of my contract be sent to me. A week later, I received a typed letter stating I had a variable rate and my rates can increase monthly but no more than once a month. Still have not received a co py of my contract. I have also requested the payoff amount in writing and still have not received.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09
Company: Experian Information Solutions Inc.
State: MI
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:
Experian needs to fix the issues about the inaccurate information for the accounts and the unauthorized inquiries reported in my Credit Report. They failed to organize a proper investigation to confirm and validate the items since multiple errors were being stated. Moreover, they have failed to advise me about this matter considering that I have made and sent a lot of requests to their address. Here are the inquiries and accounts that I am disputing : XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Date of inquiry XX/XX/2020 XXXX XXXX XXXX I XXXX of inquiry XX/XX/2020 XXXX XXXX Date of inquiry XX/XX/2020 XXXX XXXX XXXX XXXX Date of inquiry XX/XX/2020 XXXX Date of inquiry XX/XX/2020 XXXX XXXX XXXX XXXX Date of inquiry XX/XX/2020 XXXX XXXX XXXX XXXX  Date of inquiry XX/XX/2020 XXXX XXXX XXXX XXXX Date of inquiry XX/XX/2020 XXXX XXXX XXXX XXXX Date of inquiry XX/XX/2020 XXXX XXXX XXXX XXXX Date of inquiry XX/XX/2020

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