BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-10-27
Company: Seterus, Inc.
State: IL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
On XXXX XXXX, 2015 I made a payment for my home loan to XXXX Mortgage in the amount of {$1300.00} for the months of XXXX 2015 bringing my home loan current. On XXXX XXXX ,2015 my loan was sold to Seterus. I made XXXX payment to Seretus in the amount of {$700.00}, which was received, and cashed. I received foreclosure letters from Seretus, resulting in me making a phone call into customer service on XXXX XXXX XXXX. The customer service rep stated he could see that I made my payment to XXXX bringing my home loan current, BUT they applied my payment incorrectly to the principal. Which then leaves an additional {$240.00} that I have to pay to Seretus. He stated even though they know its incorrect they can not change it on their end due to the fact it 's how the loan was sold to them? I stated so I have to pay an additional {$240.00} that I do not owe, and their answer was yes. I have receipts for the payments made to XXXX, and Seretus. How can they legally do this? I am a single parent, and it will be hard for me to come up with an additional {$240.00}. Seretus stated if I do not pay this amount to them, then they will move forward with foreclosure proceedings? The payment I made for XXXX of {$700.00} is being held in a suspense account ( {$500.00} ) until the additional is received. So this is showing XXXX payment has not been received. The Seretus rep was very rude, stating he do n't see why I can not just pay the amount if I want to stay in my home. I also asked if I could pay an additional {$50.00} a month on top of my monthly payment of {$690.00}, and was told no I dont qualify for a repayment plan ( even though I do n't owe them in money )!! This has been a horrible experience with them from the start! If they are capable of doing this, then I am scared to see what else they may get away with. I have been in my home for 16 years, and have plans to stay!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-04
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX dinged my credit to pressure me for money without notice as I called them only after getting credit report change notice from my XXXX account. When we spoke, the agent said I had to pay the balance and only then they 'll remove the credit reporting. I paid the balance and I do not yet see the updated report on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-30
Company: Seterus, Inc.
State: MN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
I sold my townhouse at XXXX WI. It was suppose to close on XXXX XXXX, 2015. The closing Company requested a payoff on Tuesday XXXX/XXXX/2015. I requested the payoff on XXXX/XXXX/2015. I have called and the closing company ( XXXX XXXX, XXXX WI. ) has faxed and requested the payoff daily. I was promised it daily especially last Friday XXXX/XXXX/2015. I have still not received it. I can not pay off anything and they are charging me interest daily besides causing lots of problems. My husband an attorney called and they said they could not give him the payoff with the account number and my social security number. They refused to talk to him. 
The company is Seterus Mortgage. Loan # XXXX tele # XXXXXXXXThank you, XXXX XXXX ( XXXX ) XXXXXXXXOr you can contact XXXX XXXX WI. ( XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-08
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I disputed inaccurate information to equifax in regards to my payment history with an auto lease ( XXXX ) acct # XXXX. I have never paid this account late. I just received a response that the disputed is finished and the results are ready to view. This information is still wrong. It is showing as paid as agreed with no past due but have negative remarks reporting on XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX with a status code of XXXX on each month. This is wrong as the status codes should be removed. I 've disputed it with the other XXXX credit reporting agency 's and so far XXXX credit reporting agency has corrected it and removed the status codes. I am submitting this complaint to the cfpb because I ca n't get through to equifax and keep receiving the same response. This information is incorrect and I am complaining about it because it is affecting my credit score in a negative way. These XXXX negative code remarks should be removed. I was never late in paying this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-26
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have my credit report and there is a fraud on my report. It states that I had XXXX at XXXX XXXX XXXX XXXX pa XXXX and ran the bill up to XXXX dollar 's. I have been living at XXXX XXXX XXXX for 10 years and never moved!!! I used to work for XXXX for 3 yearsyears from XXXX to XXXX at the same address that I live now!! So I believe that had to be an inside job using my information at a different address. Please look in to this matter and get back to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-03
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
Equifax has already had 60 days, lied on their results according to XXXX Bank, XXXX XXXX XXXX, and XXXX XXXX XXXX since those XXXX banks claim that they never reported anything to Equifax due to ongoing investigations yet I have a copy of the letter that I sent to my lawyer who seems interested in why this has happened. All communications to me will cese as my lawyer is now incharge of communications now and for pending legal issues, I am unable to contact further.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-27
Company: Seterus, Inc.
State: TX
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I fell behind on the loan payments XX/XX/XXXX. XX/XX/XXXX I made an attempt to pay all back due payments. I was told the loan was in default. Important information concerning the loan status had been sent to the physical address instead of my mailing address so I was unaware of the default status and unaware that I had been approved for a Modification offer because this information was sent to an address other than the office where I receive all mail. The physical building is a small apar apartment with XXXX units and I do not live there. I sent written correspondence dated XX/XX/2016 explaining the situation and asked tha to be taken off default status and allowed to pay my loan current. 
My request was denied by letter on XX/XX/2016. I was informed that if I wanted to keep the property, my option would be to apply for a loan modification. I sent all documents requested on XX/XX/2016. 
I waited because Seterus, Inc. told me it would take 45 days to process. 
I called Seterus offices several times to check the status of the modification. I was told each time just to keep waiting that they had all documents required and that I was in process for modification. Finally on XX/XX/2016 XXXX XXXX, who is a representative at Seterus told me that our documents were not in process because they needed more information. She said it was a mistake that I was told otherwise. I again submitted more documents on XX/XX/2016. 
I waited again and each time I call to check the status of my modification I am told something completely different! I do n't know what is going on. 
I am not permitted to speak with anyone other than a service representative. There are no supervisors and I am not permitted to speak with the loan modification specialist. I want my modification package to be reviewed and accepted. It is their error that I am in a default status. They sent important documents to the incorrect address where I could not possibly receive them and therefore I did not respond in a timely manner. I do n't know how to communicate with them because each person I speak with tells me something different!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-04
Company: EQUIFAX, INC.
State: MN
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
Equifax I found another dispute that you failed to investigate with in the time 30 day time frame that you have to investigate I kindly ask you to please this dispute from my credit file This one is going to be confirmation XXXX open on XX/XX/XXXX 17 and it should have been completed XXXX 17 could you please have this item delete from my credit file as you failed to complete your investigation see attached document line 14 from the Bottom down. Thank you so much

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-18
Company: JPMORGAN CHASE & CO.
State: UT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
there is a promotion for opening united club card if you spend XXXX in the 1st 3 months they would give you 100000 miles when I saw this promotion I applied for the card when I got approved they said I would qualify and they gave another promotion with a fee waiver s most of the united clubs are closed so I understand wavier but I was going for the promotion for the 10000 miles which Is way I applied for the card in the 1st place chase refuses to honor and I am really upset now they have a 50000 mile offer if you spend 2000 and they refuse to honor that I will include in this complaint the details of the promotion of th 100000 they refuse to honor and I want this honored I even called united and they will not do anything about it and I really upset and this is why I applied for the card in the 1st place

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-05
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Back in 2010 my house that I lived in with my mom and family was broken into when I was XXXX and our personal information was stolen. My mom filled a report with the police. Also my mom works with XXXX and they sent her a letter saying our information was breeched also with them. My mom and I was made aware that there are some debts on my credit report. My mom wrote into the reporting agencies and they wouldnt take it off. Also there are a lot of medical bills and accounts of debt on my report that I dont know where they came from. I still live at home and dont have bills of my own plus my mom still has me on her medical plan so I shouldnt have any medical bills. I am in college and my main focus is school. My mom and I have written the agencies and I included a copy of my ID and social but the always tells me to send in more proof of my Identity and they refuse to delete these items or the inquires associated with them. I am asking that your agency help us with these issues. Thank you so much for your time and consideration. I am attaching a copy of my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-30
Company: Capio Partners, LLC
State: VA
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On my credit report it says I owe XXXX medical bills which I know for sure I do n't because I 've always had medicaid. Plus I 'm not understanding how XXXX bills are the same amount.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-04
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
1. I have been un-successfully trying to submit a dispute for all XXXX XXXX union auto loans as agreed to by XXXX in the attached e-mail. Also the history records, and the entries need to be taken out of " potentially negative '' results. There are XXXX separate accounts 2. I have been unsuccessfully trying to get removed the XXXX account, " recovery '' item also agreed to by XXXX to remove in the attached e-mail Thank you for your help XXXX XXXX DOB : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX e-mail : XXXXXXXXXXXX phone : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-25
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have disputed the information XXXX times with Equifax. They refuse to XXXX and XXXX XXXX XXXX off my credit report. These accounts werecharged by IDENTITY THEFT. I have provided my ID theft paperwork with XXXX credit reporting agencies. XXXXXXXX and XXXX have removed the info.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-07
Company: Couch Conville & Blitt LLC
State: LA
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Couch ConVille Blitt is trying to collect and sue me for and old debt for their client XXXX XXXX XXXX XXXX XXXX. I believe this debt is past the statute of limitations and is uncollectible.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-27
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have recently obtained a copy of Experian report and the information does not relate to any transactions that I have made ; therefore, I am requesting that these inquiries be completely removed and blocked 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 2016-05-17
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I have a judgment on my credit report that was not file properly after I paid off the judgment. The proper actions were not taken after I paid off the judgment. Even though my land lord gave a written statement that the judgment was paid. Please look into Equifax procedure of removing satisfied judgments. The Plaintiff ask for {$4200.00} you can see that at the top. Please pay close attention to the document you can clearly see that I only owe {$420.00}. The Judge only awarded them {$420.00} and below you can see my counter payments I made to the bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-09
Company: Navient Solutions, LLC.
State: WV
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I have private student loans that were taken out with XXXX and later sold to Navient. They never allocated my payments correctly and I would get harassing calls that certain loans were late and charged late fees. Also sometimes they would take the payment out of my account three times in the same month and I would have to call. Unreliable times to fix this. My loan amount never decreases. It atays the same or actually keeps increasing. They would have me.pay for deferment and tell me I would get the money back after making a certain amount of payments on time. However the loan never received this money nor did my balance ever decrease. Now they are telling me I owe an ridiculous payment that I can not afford and they tell me they will not even consider helping me until I default for three months. I have always paid my student loans even while facing unemployment and I can not afford what they are asking. They say they can help when I call but do nothing. Even if I communicate with them regularly. I have cosigned I have not seen or heard from in years. I ca n't get any help they say until my cosigned refuses to help me. I do n't want to default but it 's as if they are telling me I must.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-20
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I NEVER used my credit before and when I applied to get my first car the dealer told me that my credit was at a XXXX and I just paid a car off and just leased out a new one. He said I also had school loans and the name and address were different from mine as well as the employer. He could not give me the information that we received. I tried checking my credit online but a lot of the sites are n't letting me because my social is associated with other accounts on the websites. I 've been trying to go through this process and I signed up for XXXX and they 'll do the investigation for me but I need the information for the other people. I have still yet to open anything in my name, so everything on my credit report is invalid and needs to be eliminated so I can start establishing my own credit. I 'm only XXXX years old and the credit usage dates back to when I was XXXX years old. These accounts have been on my credit for years.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-03
Company: JTM Capital Management, LLC
State: IA
Product: Debt collection
Sub-product: Payday loan
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Company refuses to send information to me related to debt they say is attached to my SS #. I requested the address once again today so that I could look them up they refuse to give me any information. I have no address for them, no mail to document the debt or way to dispute it, and they threaten to take me to court, saying I have received enough notice! What notice? I 'm still waiting for the mail they claimed to send me 7 days ago. A legitimate business should have no problem giving the address to a consumer so that they can communicate information to be true or inaccurate. These people refuse to give out the location of the office for the consumer to challenge the debt. They refuse to send information to the consumer for review of accuracy. They say you owe us now we will come get you, and then wo n't give out the address, and wo n't send documentation of the so called debt in the mail to me for my review. Is this legal? Please Help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
EQUIFAX is illegally and unlawfully reporting information on my credit file. I 've asked for the following information : a ) Federal Reserve form XXXX registration statement, ( b ) Federal Reserve form XXXX ( b ) ( XXXX ) prospectus, ( c ) Federal Reserve form FR XXXX balance sheet ( s ), ( d ) Federal Reserve form FR XXXX balance sheet ( s ), ( e ) Federal Reserve form XXXX balance sheet ( s ), ( f ) The Deed of Trust. ( g ) Chain of custody and They have not responded to my request. I also asked them to present a certified final forensic audit from EQUIFAX in accordance with g.a.a.p, I.f.r.s. in accordance with basel XXXX accord and u.n.c.i.t.r.a.l. conventions. I also asked them to present these documents from the folowing vendors/creditors : XXXX : XXXX, XXXX XXXX account : XXXX, XXXX XXXX, and XXXX XXXX XXXX and they have failed to do so. 
I am requesting EQUIFAX to immediately remove all derogatory credit reporting from my file until EQUIFAX can provide proof of claim and exhibit the original instrument in accordance with the XXXX XXXX XXXX, and TENNESSEE state Law, U.C.C. 3-501 ( B ) ( 12 ), ( and any local applicable laws including UCC ) inclusive of the genuine original Promissory Note and genuine original allonge ( s ) showing : ( a ) Proof of the existence of an account of the actual establishment of debt account by the actual Sentient human, XXXX of XXXX, duly signed and written out by both parties and not any unilateral agreement. ( b ). Proof of claim that the listed entities are the original Holder in due course of the aforementioned original debt instrument and that it is not being un-sold to another party. ( c ) A copy of actual accounting, original ledger whereby each company in question, has incurred a loss as a result of the alleged debt. ( d ) An invoice ( not a statement ), for any amount of money owed to ( each company ) by XXXX XXXX XXXX ( e ) Provide proof of claim there is any money in circulation is backed by anything of value, by which any debt including this one that lends to the possibility that the companies listed might get paid by way of actual money. And that the value of the attached is not sufficient to discharge this debt under the following laws : The Fair Credit reporting Act Public Law No. 91-508 enacted in 1970 The Bankruptcy ACT of 1933 12 USC 411, P.L. 97-280 UCC 1-103, 1-308, 2-221, 2-104, 3-415-419, 3-500-510

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-04
Company: SUNTRUST BANKS, INC.
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Refinance my mortgage paying off the mortgage I had with Suntrust on XXXX XXXX, 2015. They ( Suntrust ) was supposed to send me a cheque with my balance on the escrow they are holding for the amount XXXX. Up to today I have not received the fund. They are claiming that they have send me by check the above amount and I have not received it. Let me point out no letter has been lost and I have even received their latest communication final escrow account disclosure send to me on XXXX XXXX. In their they are claiming that they have refund me. I keep calling them and they keep saying the check was send out few weeks ago. The amount is important and they are withholdin it without any justification. The check lost is an easy way of delaying the reimbursement.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-06-23
Company: AES/PHEAA
State: AL
Product: Debt collection
Sub-product: Federal student loan
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I called XXXX XXXX XXXX and asked them to stop calling me at work. They asked for my phone number so they could take it off of there list. Well, they stopped calling that particular number. They must have gone on my company 's website and found other numbers and its unclear to me which numbers they are calling now. They asked to verify my employment and gave out the last XXXX digits in my social to my coworker and they told her that it was for a garnishment. It bothers me that the continue to call me at work after I told them they were putting my job in jeopardy by continuing to call. What is even more frustrating is that I have never given the student loan company my work phone number. That means this third party company researched and found my number!

Company response to consumer: Closed with explanation