BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-12-27
Company: Seterus, Inc.
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I am attempting a XXXX XXXX Exempted assumption as part of a divorce settlement. I received the property as part of the divorce settlement. The property was quit claimed to me, was made a defendant in foreclosure, even though he was not on the mortgage note. During the mediation process, the servicer, Seterus had to set up an exempted XXXX XXXX assumption process, since they had none, even though it has been the law since XXXX. Over the many months it took for the servicer to set up a process, I was laid off from my XXXX position. I still want to retain the property, maintaining that the I should have been treated as if I was the original borrower, given an unemployment forbearance, with a modification when/if needed post forbearance, consistent with the law, CFPB-2014-0016 12CFR Part 1026 " Application of Regulation Z Ability to Repay Rules to Certain Situations involving Successors in Interest and XXXX XXXX Guidelines The Servicer maintained that the " Ability to Repay '' precludes me, from the exempt assumption. I attempted to clarify with XXXX XXXX   itself. The person reviewing the case did not return multiple calls and made an incorrect determination based on me not being on the original mortgage note. During a subsequent discussion with a supervisor, on XX/XX/XXXX, still seeking clarification, I explained that the note was sold on XX/XX/XXXX ( I was notified XX/XX/XXXX ) to the XXXX   XXXX  supervisor, who was unaware. She then said, during the ensuing conversation, that she was not able to do anything else, since XXXX XXXX did not own the loan any more. This still leaves the XXXX XXXX and the Serterus believing of relevance of " ability to repay '' as a valid reason or not for not allowing an exempted Garn St Germain assumption. 
I am in the process of fighting this pro se, getting it back into mediation in CT. The mediation result should transfer through to new note owner. XXXX XXXX and Serterus need to know they are not processing these transaction correctly however.

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 2019-03-25
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have a student loan thats discharge and its still showing up on my credit report saying i owe XXXX and was late .The school close down and my loan was discharge with oweing no money .XXXX XXXX Id:XXXX .its not fair its bringing my score down badily

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 2018-06-16
Company: Seterus, Inc.
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
The principal amount owed on my mortgage is {$190000.00}. The original appraised value of the home was {$250000.00}. I am still being charged for PMI each month even though my principal is below 78 % of the original appraised value. I called Seterus in XX/XX/XXXX and they told me that I would no longer be charged for PMI as of my XX/XX/XXXX statement. I was charged for XX/XX/XXXX and my XX/XX/XXXX statement shows that I am still being billed for PMI.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19
Company: I.C. System, Inc.
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/2020 I had an appointment at XXXX XXXX. At the time the insurance payment was adjusted. The original charges were XXXX $ and with the adjustment insurance paid XXXX . I C Systems claims this is my debt and that it should be paid.

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 2018-12-27
Company: Caliber Home Loans, Inc.
State: NY
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
I got approved for a modification by my mortgage servicer caliberhomeloans my loan holder XXXX XXXX XXXX i made all my payments never missed a payment from XX/XX/2018 through XX/XX/2018 in XXXX caliberhomeloans notified me they where transferring my mortgage payment over to XXXX XXXX ... XXXX XXXX was to take over my payments XX/XX/2018 caliberhomeloans told me to make the XXXX payment to caliberhomeloans and they would transfer the payment to XXXX XXXX ... .now its XXXX and caliberhomeloans will not transfer the payment and XXXX   XXXX is starting i am behind in escrow and they have to raise my payments ... XXXX XXXX has been holding all my payments in a suspend account not applying my payments. I told XXXX XXXX i made XXXX payment to caliberhomeloans and XXXX XXXX said they would get the money from caliberhomeloans but its XXXX and XXXX XXXX has not solve the problem and stating my payment will go on top of my monthly payment i paid XXXX  XXXX estra dollars to try to solve the problem but XXXX XXXX did not apply theXXXX dollars to my escrow i want to know why caliberhomeloans did not transfer my XXXX mortgage payment and why XXXX XXXX is holding my payments in a suspense account ... ... also i have received caliberhomeloans and XXXX XXXX documents with the same address and same po.box number something is wrong here..can someone please help solve this problem

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Submitted application for annual renewal of Income-Driven Repayment plan, which Navient approved. Navient responded that I will be given my new repayment information on XX/XX/2020. As of XX/XX/2020 I have not yet received my new repayment information for account XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21
Company: Continental Services Group, Inc. d/b/a ConServe
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am not liable for this debt with XXXX XXXX UNIVERSITY and I do not have a contract with CONSERVE plus they did not provide me with the original application like I asked. 

Account No : XXXX Amount Disputed : {$2400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-28
Company: EQUIFAX, INC.
State: CA
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:
To Whom It May Concern : I am currently on my third round of letters to the major credit bureaus ( i.e., XXXX, Equifax, XXXX  XXXX as it relates to verifying or removing erroneous items on my credit file. 

In my letters to the bureaus, I informed them that per the FCRA, they are required to have a copy of the original creditors ' documentation on file to verify that the information is mine and is correct. 

I sent out my first letter to XXXX, Experian, and XXXX  on XX/XX/2020. 

Despite several written requests for the bureaus to verify or remove the erroneous items from my credit file, they continue to respond with generic response letters claiming to have verified my accounts. 

As of this message on XX/XX/2020, XXXX, Equifax, and XXXX  have NOT provided me with any original documentation or consumer contract ( s ) with my signature. The bureaus have further failed to provide their method ( s ) of verification. 

Their callous and blatant disregard to obey the law and keeping those erroneous items on my credit report is causing irreparable harm to my credit score, hurting my ability to obtain credit, and preventing me from acquiring personal and business financial products. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-15
Company: CITIBANK, N.A.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I would appreciate a settlement letter from Macys pertaining to a {$430.00} account that was charged off several years ago. Macys has not sent an updated statement for years, and I believe that I can make restitution to this account quickly if properly communicated with. Therefore, I go through the CFPB to get the attention of Macys.

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 2019-09-15
Company: WELLS FARGO & COMPANY
State: TX
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:
Wells Fargo XXXX has incorrectly reported me late beginning XX/XX/2019 thru XX/XX/2019, and XX/XX/2019. Wells Fargo has incorrectly reported my credit payment history as past due when I was never reported 30 days late in my statements while I did always pay in the past due window. Payments always overlapped due dates and often I paid 29 days late. I may have been late once but the Wells Fargo Statements DO NOT reflect the actual dates payments process AND Wells Fargo somehow kept my account negative and did not reflect the payment, even though I was 0 to 29 days late only. Payments came out of my personal Wells Fargo checking 'instantly ' yet sometimes Wells Fargo XXXX would take 3-5 days to reflect the payment in my credit account. Wells Fargo also took over 50 days to respond to my dispute from XXXX and did not address anything in my dispute. Wells Fargo has also refused to give me an accounting of my records and has also refused to provide me anything but statements, of which I am contesting because they incorrectly report my payment due dates. I have bank records showing instant payment transfer dates, yet XXXX wouldnt process them in a timely manner.

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 2020-06-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
To Whom It May Concern : I am currently on my third round of letters to the major credit bureaus ( i.e., XXXX, XXXX, TransUnion XXXX as it relates to verifying or removing erroneous items on my credit file. 

In my letters to the bureaus, I informed them that per the FCRA, they are required to have a copy of the original creditors ' documentation on file to verify that the information is mine and is correct. 

I sent out my first letter to XXXX, XXXX, and TransUnion on XX/XX/2020. 

Despite several written requests for the bureaus to verify or remove the erroneous items from my credit file, they continue to respond with generic response letters claiming to have verified my accounts. 

As of this message on XX/XX/2020, XXXX, XXXX, and TransUnion have NOT provided me with any original documentation or consumer contract ( s ) with my signature. The bureaus have further failed to provide their method ( s ) of verification. 

Their callous and blatant disregard to obey the law and keeping those erroneous items on my credit report is causing irreparable harm to my credit score, hurting my ability to obtain credit, and preventing me from acquiring personal and business financial products. 

Thank you.

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 2019-08-29
Company: EQUIFAX, 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: Account status incorrect

Complaint:
All of XX/XX/2019 XXXX/XXXX keeps reaging a debt even though they sent me a 1099-C and debt cancellation letter agreeing there was a {$0.00} balance. Now they are adding a balance past due monthly, even past the statute of limitations here in North Carolina, constantly reporting a past due balance of {$2000.00} to my Equifax report, XXXX report, and XXXX report. They only temporarily fixed it after I first complained but then continued these practices on my credit reports. This is my second time trying to get help with this company reporting a balance even though they stated to CFPB and myself that they willl report a XXXX balance and fix that false past due reports years later. I want all the past due removed from my equifax and XXXX reports as soon as this is received and I want the {$0.00} balance to show on these reports. I shouldn't be charged taxes with a 1099-C then suddenly it is past due even being a very old debt that they promised to remedy assuring a reporting of a {$0.00} balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12
Company: Freedom Mortgage Company
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have been in the process of getting my home refinanced since XX/XX/XXXX I am writing this on XX/XX/XXXX. I have been ignored by members of this company, I have been fed excuse after excuse from this company and have had my loan officer changed multiple times. The latest most unforgivable offense, has just happened this last week. after confirming the closing and signing date I received an email from the company to e-sign the last documents. These documents were not in my name, they were instead in the name of my step father who was supposed to be coming off of the loan. we are now potentially needing to delay the signing of the refi that has already taken almost half a year to process because of their incompetence. The only reason I had even considered going with Freedom Mortgage was because they currently hold my loan. I made the mistake of assuming that because I had never had an issue with them when paying my monthly mortgage I would have no issues doing my refi with them. I could not have been more wrong. The final straw that made me write this complaint was a phone call I received today from them, at my place of business, to confirm my stepfathers employment. My stepfather doesn't work where I work, he is long since retired and has never worked at my work. This was 4 days after calling and notifying them of their mistakes. clearly they had not stopped what ever process they had started and their company is wildly disorganized. furthermore I am concerned that with this blunder that other errors are being made. is my stepfathers credit being run? he never authorized it if it has. It only leaves one to wonder what other mistakes are being made that no one is noticing. I would never, ever recommend Freedom Mortgage to anyone I know

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 2020-01-20
Company: WELLS FARGO & COMPANY
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
XX/XX/2020, ,Went To The Bank About XXXX, ,I Know The Bank Was Closed, ,Due To Holiday, ,Anyway Went To Atm, ,To Get Cash, ,It Declined My Card Twice, ,Put In Access Code Twice, ,Card Still Declined, ,I Do Have Overdraft Protection On Card, ,I Do Have A Negative Balance Of {$100.00},,? If I Have Overdraft Protection On Card, ,Why Did My Card Declined Twice?? This Matter Needs To Be Addressed Or Fixed? This Is S UnAcceptable!!! This Matter Has Happened Too Many, ,What Is The Bank Doing About This Matter?? ( Wells Fargo Bank

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 2018-12-27
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
This is in regard to a debit card called access 360 issued by 53rd bank
In XX/XX/2018 i discovered though use of my app that there was money missing from my access 360 card ending in XXXX (this account has been closed), upon contacting the access 360 department i discover there was an unauthorized transaction for $XXXX   charge to my card at a XXXX XXXX in XXXX on or around XX/XX/XXXX. I immediately disputed the transaction and was given case number XXXX and a temporary credit off same amount. Weeks later i notice  the $XXXX i had on the card was gone and my account was in the negative over a $XXXX, after calling their dispute department i find out they took back the temporary credit as they had ruled in favor of the merchant, and sent me a letter claiming why they made such ruling. After a few weeks had pass and not receiving any such letter so i can re-open the case; i kept calling for said letter to be recent and to this date after escalating the request to resend said letter, i have received no such letter. I went and got a police report to re-open the case but the dispute department keep telling me there is a form to be filled out to re-open the case; in which i requested a copy of this form on several occasions but to this day still haven't gotten any such form either. the last time i called  their dispute department i was told to go to the nearest 53rd branch and a copy of form would be faxed to them instead, when i went to the bran and had them called the dispute department; we were told that said form could not be faxed or emailed, it would have to be mailed, an agent at the branch even change my correspondent address to the bank's address so that in case it was a problem with my address then said form could go to the bank and i go pick it up, i called that branch on 3 occasions asking if they had received any such form as yet; but they haven't. i think 53rd bank is a very unorganized bank that probably got my case mixed up or lost; as every time i called i get transferred around in circles. Since then they have closed my accounts for non payments and sent the negative balance to a collection agency; as a result significantly damaging my credit. Also, i received a letter from 53rd bank that there was an unauthorized access of my account by one of their employees; and i am not sure if this could be related to the incident with my access 360 card, i will attach a copy of this letter

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have a Chase United Airlines Credit Card. My payment due date is the XXXX of each month. I made a payment of {$500.00} prior to XX/XX/2020. On XX/XX/2020 I made another payment of {$500.00}. The XX/XX/XXXX payment, despite being after the XX/XX/XXXX due date was back-posted to my XX/XX/XXXX bill. This payment clearly should have been posted to my XX/XX/2020 bill. On XX/XX/2020, I received a late charge of {$27.00} from Chase who said they did not receive my payment for XXXX. They in fact received my payment for XXXX on XX/XX/XXXX as noted above. This is clearly a scam to cheat consumers out of late fees. I spoke to XXXX, a Chase Supervisor in XXXX XXXX, Texas on XX/XX/2020 and XXXX just provided a completely illogical reason why my XX/XX/XXXX payment was applied to my XX/XX/XXXX bill rather than my XX/XX/XXXX bill. Chase is cheating its customers and I do hope you take action on this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
I am reaching out for assistance for removing of inquiries that were not authorized by me. I did not apply for credit nor give anyone permission to apply for credit using my personal information for XXXX, XXXX and Trans Union. I am requesting each of the credit reporting agencies remove the below inquires immediately from my credit reporting due to FCRA if information is inaccurately reporting it needs to be removed. I am not reaching out to each creditor because they are not reporting the information XXXX, XXXX  and Trans Union is reporting the information and need to correct the information. 

XXXX  : XXXX XXXX XXXXXX/XX/XXXX XX/XX/XXXXXXXX XXXX XXXX IXXXX XXXX XXXXJXX/XX/XXXXXXXX XXXX-XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Trans Union 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2018-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXX - XXXX Division and XXXX  XXXX XXXX XXXX XXXX dba XXXX   XXXX XXXX XXXX are in violation of Tex. Fin. Code 392.402.404, Sec. 392.101. BOND  REQUIREMENT. ( a ) A third-party debt collector or credit bureau may not engage in debt collection unless the third-party debt collector or credit bureau has obtained a surety bond issued by a surety company authorized to do business in this state as prescribed by this section. A copy of the bond must be filed with the secretary of state.

( b ) The bond must be in favor of : ( 1 ) any person who is damaged by a violation of this chapter ; and ( 2 ) this state for the benefit of any person who is damaged by a violation of this chapter.

( c ) The bond must be in the amount of {$10000.00}.

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