BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-04-12
Company: Seterus, Inc.
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
The home where I now live became mine when my mother and sister passed away and I completed the probate process for their Estate. I started working with a housing counselor and the mortgage company, XXXX XXXX, because the mortgage had gotten behind due to their death in XX/XX/XXXX and I have every intention of straightening out that problem and making mortgage payments once the mortgage company will accept payments from me again. I was approved for a Trial Payment Plan in XX/XX/XXXX and started making TPP payments XX/XX/XXXX, XX/XX/XXXX andXX/XX/XXXX. I expected to receive a permanent loan modification after the completion of that 3 month trial, but instead I was told to make a 4th TPP, which I did in XX/XX/XXXX. XXXX  sent me an Assumption application packet, which I completed and returned. When I hadnt received the permanent modification offer by XX/XX/XXXX, I made another payment over the phone, but when I called to confirm it had been received, I was told by the representative that he had checked with his supervisor and that my payment had not been applied because the modification offer had been rejected. I was shocked. A few days later, I received notification that there had been some problem with the notarization of the Assumption application packet and XXXX  requested I complete a new one. I did that and returned it by overnight mail on XX/XX/XXXXand they rejected it again for a different reason. We went back and forth for weeks. Finally, I completed the assumption packet for the final time and sent it by regular mail ( because I had already spent so much money on overnight mail and notarizing ) onXX/XX/XXXX. XXXX received it on XX/XX/XXXX. I waited to hear about when I could send them the payments for the prior 2 months that they had not accepted when my housing counselor got an email from XXXX  attorney saying that the mortgage was being transferred to XXXX ( which was a mistake- it actually was transferring to Seterus ) on XX/XX/XXXX. I didnt get any prior notification of the transfer, and eventually received a Goodbye letter from XXXX. But nothing I had worked on for the previous 6 months mattered to Seterus! My file had already been closed and my assumption application cancelled since nothing was in place when the service transfer happened. Now Seterus is asking me to start over and reapply for loss mitigation. I am beyond frustrated. I never got a denial letter, and the reasons delivered by email from the lenders lawyers contradict each other. One email says that I was rejected because I had not made XX/XX/XXXXpayment- the FIFTH trial mod payment. One email says the problems with the assumption packet were why I was rejected.

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 2018-02-23
Company: U.S. BANCORP
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Dear Sir/Madame : I'm writing to request that you look into the operations at US Bank. US Bank is the mortgage servicer on a home I own. Please review the following : 1. I believe, based on several personal experiences, that the bank 's processing center is intentionally holding over-payments ( payments with additional principal ) to artificially inflate the interest earnings of the company. 

This month, I sent a check on XX/XX/XXXX, including a {$1000.00} check from my XXXX XXXX  account as well as an endorsed check for {$2300.00}. On XX/XX/XXXX, I called to begin an inquiry into my lost checks, as the XXXX check had not been cashed. I called again on XX/XX/XXXX to follow up on my XX/XX/XXXX call, since I hadn't received information from the bank on the whereabouts of this mortgage payment. Still, the bank had no answer. I requested that a supervisor return my call with more information, but the bank stated they couldn't call guarantee a call in less than 48hours. During my conversation with the supervisor, I was restrained and extremely angry at the Bank 's inability to a ) find my money, b ) follow up with my request to find this money c ) inability to escalate this issue to sufficiently address my issues. 

As of XX/XX/XXXX, I noticed that my XXXX check had cleared. I called the Bank to find out why they hadn't let me know about the receipt of said money ( which had been allegedly ( per the date stamp on the cleared check of XX/XX/ ) on the day of the call. 

I am concerned that the bank is intentionally withholding overpayments. I also believe that the bank 's communication system is woefully inadequate. 

Finally, since this is not the first time that the bank has held checks for extraordinary periods of time, I am concerned about the application of principal. I have requested the math from the bank to ensure that the bank is not acting inappropriately, but I believe thay they are ... the last time that the bank had problems depositing my money, the bank claimed that the receipt date of mortgage payments does not have a material impact on principal and interest. This doesn't accord with how principal and interest works in my own financial analysis, and I am suspect.

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 2020-11-12
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Nothing reported after XX/XX/2020. I've made a purchase and payment. Accurate information should be maintained. Purchase was made as proof that you threatened to decrease my credit limit unless I bought something. I did. You can not deny extortion. Documents shown to law enforcement and credit reporting agencies.

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 2017-12-07
Company: Commonwealth Financial Systems, Inc.
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Collection agency is n't licenced in my state, TN. They didnt reach out to me regarding the debt ( meaning I did n't have a fair chance to contest the validity of the debt ), but is still on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12
Company: Experian Information Solutions Inc.
State: FL
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: Was not notified of investigation status or results

Complaint:
Hi On XX/XX/2020 I have submitted a dispute against the credit bureaus to eliminate some erroneous accounts in my credit report, but so far I have not received any responses from them. I have sent letters month after month since XXXX and I still haven't received any responses. I need help to know the status of my disputes. 

I enclose the first round of letters sent to the bureaus.

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 2020-06-23
Company: Experian Information Solutions Inc.
State: AR
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 pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcy or ( bankruptcies ). These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. 

XXXX {$2200.00} XXXX {$1200.00} XXXX {$2400.00}

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 2022-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
AM A VICTIM OF IDENTITY THEFT, THE INFORMATION LISTED IN THIS REPORT IS INFORMATION THAT I HAVE NO RELATION TO, which violated FCRA LAW 609e and 605b. UNDER THESE LAWS THIS INFORMATION MUST BE PREMANENTLY DELETED FROM MY CREDIT REPORT WITHIN 4 business days. I HAVE CONTACTED MY ATTORNEY WHO WILL FOLLOW UP WITH EACH AGENCY WHO IS REPORTING FRAUDULENT INFORMATION TO MY CREDIT REPORT. UNDER FCRA 609a, these companies have failed to provide me with any original signed documentation stating that i owe a debt to any of these creditors or allowed them to run my credit report. Please handle this matter in a promp manner as i will be following up. FAILURE TO COMPLY WILL RESULT IN A LAWSUIT INVOLVING EACH AGENCY REPORTING FALSE INFORMATION 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 2021-04-06
Company: CCS Financial Services, Inc.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
This company XXXX ... they send a balance to collection which it was paid off and they resist of taking this information of my credit report which they are still reporting to all 3 bureaus that the account its charge off as well as bad credit. which this account was paid off by me. XXXX Original creditor : - Balance updated XX/XX/XXXX Account Info Collection opened XX/XX/XXXX Account type Collection Department / Agency / Attorney they are reporting and i have complaint to them. and they said they will not stop reporting for 7 years beacuse they are a major corporation and i can do nothing about.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06
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: Information belongs to someone else

Complaint:
AM A VICTIM OF IDENTITY THEFT, THE INFORMATION LISTED IN THIS REPORT IS INFORMATION THAT I HAVE NO RELATION TO, which violated FCRA LAW 609e and 605b. UNDER THESE LAWS THIS INFORMATION MUST BE PREMANENTLY DELETED FROM MY CREDIT REPORT WITHIN 4 business days. I HAVE CONTACTED MY ATTORNEY WHO WILL FOLLOW UP WITH EACH AGENCY WHO IS REPORTING FRAUDULENT INFORMATION TO MY CREDIT REPORT. UNDER FCRA 609a, these companies have failed to provide me with any original signed documentation stating that i owe a debt to any of these creditors or allowed them to run my credit report. Please handle this matter in a promp manner as i will be following up. FAILURE TO COMPLY WILL RESULT IN A LAWSUIT INVOLVING EACH AGENCY REPORTING FALSE INFORMATION 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 explanation
Consumer complaint received 2020-06-24
Company: CIT BANK, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
I had opened XXXX XXXX account with CFPB with a promotion. Deposit $ XXXX or more ( within XXXX weeks ) and get {$150.00} as cash bonus. I fullfilled all their conditions but CIT bank keep on changing their terms and conditions for this reward. 
Even when I got the cash back bonus, CIT bank is giving me hard time not to withdraw the remaining balance. 
In this tough time, CIT bank is doing every possible thing to block my money. 
I have been communicating with them via secure email for more than 2 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
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: Their investigation did not fix an error on your report

Complaint:
While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$32000.00} I believe this account is reporting inaccurately. I do not believe I was late on the dates this account presents. I keep records of my payments and I always make my payments on time, I was never late. Please investigate the account name, date of last activity, and account balance. This information seems to be misleading. I request an investigation and please update this account for lawful accuracy. 

XXXX XXXX XXXX Balance : {$0.00} This account has been paid and yet the current status is showing derogatory information that is unnecessary and damaging to my credit report, which is in violation of the Fair Credit Billing Act, 15 USC 1601, which serves to protect the consumers from unfair credit billing and credit card practices. This account should not be showing the current status of 30 days late since they have already been paid for. It seems impossible to accrue late on an account that has already been paid. Please investigate these illogical statuses and provide me with the date of the last activity for 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 non-monetary relief
Consumer complaint received 2022-02-02
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am submitting this compliant on my own. There is no third party involved with this complaint. I have sent numerous letters to XXXX, and Experian informing them that I am a victim of identity theft. Someone opened an auto loan under my SSN. They also This item in my credit file are from unauthorized use of my social security number and card. I did not authorize this accounts to be taken out in my name nor they relate to anything i did. Im unaware of any of this. I'm asking XXXX, and Experian to Please have this information removed from my consumer report under 15 U.S.C. 1681c-2.

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 2023-02-20
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Upon exiting forbearance, I applied for the Homeowners Relief Fund and received an escrow payment from the state of Florida. However, I have recently been informed that my payment projection for this year includes over {$4000.00} in escrow fees that I apparently owe. I attempted to address this issue in XXXX of last year by contacting the responsible party, but have yet to receive a response as of today, XX/XX/2023. Unfortunately, I am currently unable to make a payment of {$1700.00} due to the fact that the funds from the state of Florida were applied incorrectly. As a result, I have spent numerous hours attempting to resolve this matter, but every time I manage to speak with someone, I am placed on hold and the call eventually drops. It is unacceptable that I have had to invest so much time in resolving an issue that was caused by their mistake. I am seeking assistance in resolving this matter and reclaiming the time and effort that I have lost due to this situation.

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 2023-03-09
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:
This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XXXX : {$1700.00} XXXXXXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1400.00} XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/2008.

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 2020-09-15
Company: Fay Servicing, LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have tried to contact Fay Servicing again and my account manager regarding payments by me on XX/XX/XXXX, and Fay applying Escrow Funds on XX/XX/XXXX. That escrow balance appears to be a payment that was put in suspense which all started in XX/XX/XXXX, when they refused to review my homeowners ' policy. Once that was settled, then Fay has informed me that I had a balloon payment due from XXXX! During this fiasco Fay Servicing refused to accept my payments, I was not allowed to make payments online, and being told I was going to lose my house if I did not complete an application, I provided the information from my lawyer and Fay finally corrected their mistake, again. The last complaint I filed Fay sent a financial document that shows without question that those funds were not just sitting in escrow, but were from a payment I made almost a year ago that they put in a suspense account and then moved to escrow. I do not understand how a company can put a payment in suspense and then move to an Escrow account for over a year, all while charging me late payments and telling me I am a month late, they literally did not move one of the suspense payments after a previous complaint was resolved Now that a payment was made by me on XX/XX/XXXX and Fay applied the Escrow funds on XXXX I am still be told I owe a payment for XXXX. If my loan was transferred to Fay on XX/XX/XXXX and due on XX/XX/XXXX, then I made that payment to XXXX XXXX and it was not transferred to Fay, not my fault!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
Company: MARINER FINANCE, LLC
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Charged fees or interest you didn't expect

Complaint:
I obtained a loan in XX/XX/2021 with Mariner Finance in XXXX, Fl for XXXX account with 21.49 % APR, monthly payment of {$370.00}. At this point I have been paying almost two years, never late and I still owe them {$8600.00}! 
Ive called on multiple occasions to clarify this, as 21.49 percent annually seems more 50 %. 
I cant get out of this debt no mattter how early I paid them, or extra money Ive sent to apply to my principal. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 submitted a letter to the 3 Credit Bureaus last XX/XX/23 to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
XXXX XXXX XXXX Balance : {$680.00XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$300000.00} XXXX XXXX Balance : {$0.00}

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 2021-09-21
Company: CITIBANK, N.A.
State: RI
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:
XXXX reported inquiries no recognized I trying fixed problems with this company dont help me say accurate and credit card opened fraud

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 2020-06-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 was trying to cosign for my cousin a new vehicle, and the car salesman told me my credit was low. I told him to show me my report and to print me out a copy. There are items on my credit that need to be removed as soon as possible. These items are fraudulent accounts.

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