BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-11-03
Company: CITIBANK, N.A.
State: AZ
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
On or about XXXX XXXX, 2016 I submitted a detailed complaint to CFPB regarding CitiMortgage 's horrendous treatment of my client, XXXX XXXX. Citi continues that treatment ; each week it sends me a letter telling me it is still reviewing the complaint. This failure to serve customers is an unfair trade practice and lack of good faith. Please follow up with Citi for immediate action on this matter! 
See Complaint # 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 2016-07-15
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
This is a tax lien from XX/XX/XXXX that has been paid and released in XX/XX/XXXX. It is still showing on my report. I thought it should be deleted from the report by now. 
Tax Lien Date Filed : XX/XX/XXXX Case Number : XXXX Court Number/Name : Court Address : XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX Amount : {$3800.00} Class : State Date Reported : N/A Lien Status : Date Released : XX/XX/XXXX Date Verified :

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-13
Company: Seterus, Inc.
State: LA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have just emerged from Chapter XXXX bankruptcy and have been fully discharged and the bankruptcy case terminated ( I am attaching documents to prove this ). I received a payoff statement from my mortgage carrier, Seterus, and found I was being billed for property inspections and BPO costs for a total of {$690.00} added to my mortgage payoff amount. ( I am attaching the payoff statement with the charges in question circled on page XXXX ) These are charges that are usually associated with foreclosure proceedings. But since I have just completed a 5-year Chapter XXXX plan successfully, foreclosure proceedings are forbidden by bankruptcy law. Since my discharge from Chapter XXXX on XXXX XXXX, 2015, I have been on time with all scheduled monthly payments to Seterus. I called Seterus to find out why these property inspection and BPO charges have been applied to my account, but I was told they were not allowed to discuss anything regarding my account with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-27
Company: CITIBANK, N.A.
State: FL
Product: Credit card
Issue: APR or interest rate

Complaint:
Citibank changed the APR on my card without warning or reason to 22.74 % from 3.5 %. 
I sent a message requesting an explanation and got no response. 
My APR was low because I was an employee, and for several years was not paid full wages. After the class action suit and final payment, I understand I 'm not entitled to this APR, however the rate changed immediately after I complained about a late fee. ( Was unable to pay on time because of the web site ) I feel the APR change was retaliatory and not based on my credit rating. No late or missed payments - I believe the person who got my message abused their privileges. Even if this is untrue, there was no notification or notice sent in any way.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-09
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Last 2009 when I was stationed in Georgia for the XXXX XXXX I bought a Nissan frontier through financing from a dealership there and I have no idea that they charged the sales tax under my name. And take Note the truck has already been paid off a long time ago.I called the Department of Revenue of the State of Georgia and they told me that it has already been Cancelled/Withdrawn, they gave me a copy of the Document and I will include the copy on this Complaint. I went to check of their site The Department of Revenue State of Georgia to check if my name is on their Delinquent Tax Payers List and i Screenshot the result of my search and i will too include it here. 
Now my concern is it is still showing on my credit reports with the XXXX, XXXX and Equifax and it really affects my credit score. 
I hope you guys can help me sort out things regarding the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I posted an item for sale on XXXX XXXX for {$200.00}. A user responded to be on XXXX  that he would come pick up the item and send me the amount via XXXX. After the user mentioned he sent the money, I got an email from XXXX that said the amount could not be credited to my account because my account was not a business account. In order to receive the money, the buyer would need to send over an additional {$500.00} to upgrade my account and the buyer confirmed that once doing so, I could immediately send back the {$500.00}. He provided his XXXX information and asked that I sent back the {$500.00} and an email from XXXX indicated once I provided proof of payment through XXXX the total sum would be deposited in my account. I sent the {$500.00} to the buyer and then immediately contacted my bank, Chase, and reported this as a scam. I filed a formal dispute since I did not authorize this payment to this user. Chase indicated that with platforms like XXXX they do not have authority to issue a refund or stop payment since it goes out instantly. I have blocked this user and would like assistance in getting the {$500.00} back that I sent to this person in error after following the instructions I received from a XXXX email.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-13
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
The account was charged off and sold to a Debt Collection Agency. I have since paid the debt in full. My first issue is that the information reported is inaccurate and differs on all XXXX of the credit bureaus records. The second issue is that the account is showing a status of " late ''. The account is n't late. The account has been paid off. There are n't any pending payments they are awaiting. I 'm not late on payments. This is hurting my credit score. The third issue is that I 'm a NYS resident. In NYS paid charge offs report for XXXX years. According to the credit bureaus the account staut will not allow me protection under NYS law due to how the account is being reported to the credit bureaus. The information that is reported is inaccurate and misleading. The information as reported is hurting my credit score and will make it difficult for me to secure services at a competitive interest rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-12
Company: Albert E. Acuna, P.A.
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
home owner association said i had an {$8000.00} dept of pass due amounts so they collected the rent on my property ( rental value {$1500.00} ) for 2 years collecting total amount of {$29000.00}. 
this is more than XXXXtimes as much. they said lawyers fees, late fees, interest ok so they collected {$16000.00} more .i do believe this is robbery!! but ii want to move back into my home and they want to still continue to collect more money and not allow me back in my home..also they want to collect half the rent rate in the area just so they can continue to make more money from my property.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-08-30
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
XXXX XXXX is on my XXXX report as an open acct, open date as XXXX XXXX, date of last payment XXXX XXXX with a balance of XXXX {$.00} i did dispute with both equifax and XXXX because it didnt match equifax report- and during the dispute XXXX removed my acct from equifax, then put it back on with different info. the first report that was removed had an open date of XXXX XXXX, and is listed as closed, when they reentered it onto my credit report on XXXX XXXX, it is listed as open, opened on XXXX XXXX, a balance of XXXX, ( i have made no payments ) and it says i missed XXXX payments ( i havent made any payment arrangements.they also have it listed as XXXX months on XXXX report.i feel something just isnt right, and i have received no correspondence from XXXX other than when my car was auctioned and i owed the amt of $ XXXX that was back in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-20
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX contines to list XXXX as late 30 days in XX/XX/XXXX. I have never paid this account late and XXXX is the only CRA reporting it as late, all others have either deleted the trade line or have it listed in a positive status. XX/XX/XXXX to XX/XX/XXXX is 7 years and the reporting period if I had paid late has expired and thus this account should be moved into a positive status on my report or the entire trade line deleted. I contacted XXXX back in XXXX requesting the update with no resolve. 

Additionally XXXX continues to also report XXXX on my account also a violation, the statute of limitations and the reporting period for this item has passed. The item was transferred to XXXX XXXX and then sold transferred to XXXX XXXX XXXX. This is a zombie debt and as such should be deleted. Due to Equifax not responding to my requests I reached out to the collection agency that the account was sold to and they have confirmed there is nothing owed and have deleted the account from my credit file as such the original creditor should do the same. The same instance has been for XXXX XXXX, this item was also a XXXX transferred to XXXX and then sold to XXXX XXXX which also states the item to be deleted as the statute of limitations and reporting period has ended as such the original creditor should be removed. 

I have tried mailing Equifax and also trying to dispute via their website and while I have a report number and key in all the relevant information their website will not allow me to dispute. I am unable to seek resolution through them. I implore CFPB to contact Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-05
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have written and written Equifax to get inquiries off my report that were NOT authorized by me and even submitted a police report to that fact. They respond with " please be more specific with your concerns by listing account names, and the nature of the dispute '' THIS HAS TO BE A GAME, BECAUSE I STATED THAT I WAS A VICTIM OF IDENTITY THEFT AND GAVE THEM A LIST OF ITEMS THAT WERE NOT MINE AND A POLICE REPORT TO BACK IT UP. Is this something they do to just delay consumers from a reasonable investigation? It appears to be a game and I do n't think it 's funny as I am a VICTIM of identity THEFT and they are playing stupid!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-12
Company: National Budget Planners of South Florida, Inc
State: IN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I had a representative from National Budget Planners call me explaining that they could consolidate my loans if I pay a $ XXXX monthly payment every month with the implied purpose that that would be the lowest payment I could pay based on income. I initially paid a {$200.00} registration fee and since then I have been making {$40.00} payments for over 2 years. Recently I received a bill from XXXX XXXX and my loans were the exact same amount as two years ago! When I called and asked why this way, they said some third party has been receiving payments from me while they make sure I stay on an income-based payment plan, all of which I could do for free from XXXX XXXX. The National Budget Planners have been taking hundreds of dollars from me and not reducing any of my student loans, which was the their promise. They have renewed my yearly " service '' without my consent which I was also unaware that I had the option to renew the services or not.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-02-03
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
On my credit report it has XXXX XXXX XXXX XXXX XXXX Texas XXXX which is my ex husbands address with his new wife. I have never lived there. Also shows as working for XXXX XXXX, I 've never had them as an employer. I want to make sure my ex husband or his wife did not open up any forms of credit in my name. Anything with those XXXX pieces of information are not mine. Thank you!

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

Complaint:
Good morning, just a minor error. On my report it says that I 'm unemployed, but that is not the case. I 've been at my job for a total of eight years hired back in 2008 till present. Same place of employment XXXX in XXXX Nj. Please respond to this issue. Enjoy the rest of your day and have a safe weekend.. Thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-29
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Hello, I filed bankruptcy in 2015 and reaffirmed my mortgage through my attorney with XXXX XXXX and it was filed in the federal court on XXXX/XXXX/15. I was just made aware that the Mortgage Company has not been reporting and never re-affirmed the mortgage, due to this my credit has declined, I have received higher interest rates for my auto loans as well as I have been denied credit on several occasions. I now have several inquiries on my credit that is impacting the score, my credit worthiness is XXXX. The mortgage company stated that they will mail me a letter of correction but I do not know where to go from here to reestablish myself due to their oversight.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-29
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
i have numerous times called and called to this company to remove all inquiries from my account that do not belong to me. they have constantly refused to do so and having all of these inaccurate inquiries on my account is hindering me from getting anything worth having. I literally have XXXX credit inquiries on my report and I 've called and called and called and no one is listening and helping me when i 'm telling them that the information is inaccurate and does n't belong to me. their inconsiderate and reporting inaccurately and i need it to stop, i need results and i need something to happen. i do not have time to go through the stage of pursuing a law suit but that will be my next step if these arent removed immediately. 
the only XXXX i should have on my credit report are : XXXX, XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01
Company: JPMORGAN CHASE & CO.
State: IL
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 contacted both the creditor and the credit bureaus about inaccurate information that was on my credit account. I should proof of the matter and they still are saying the accounts was verified. I asked for proof ( all paper work/info ) to be sent to me about how they verified the accounts. They still have not sent me any proof to back up their decision. I contacted them three plus times and still nothing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-17
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I am contacting the CFPB for assistance as I am afraid I am being pushed to accept a trial payment under the FHA HAMP program that is higher than it should be under the guidelines issued. I have attached the detailed FHA HAMP trial agreement to this complaint as well. The trial payment was calculated to be {$2500.00}. Within the same agreement, the letter states my income was calculated to be {$6800.00}. This would leave my housing ratio at 37.68 %. According to the HUD guidelines, this modification program is designing to lower the mortgage payment to 31 % of the monthly gross income. If the payment was calculated to be 31 % of my income, the monthly payment would have been closer to {$2100.00}. According to the HUD underwriting guidelines, the payment should have been calculated as less. The unpaid principal balance on this loan is {$340000.00} plus arrears owed $ XXXX {$400000.00} - 30 % allowable deferment = {$280000.00} over 30 years at 2 % = {$1000.00} + escrows {$1000.00} = {$2100.00}. So my income of {$6700.00} x 31 % = {$2100.00} is just enough to qualify. When we questioned this with the bank, we were told this can be calculated up to 38 % for this program but I do not see those guidelines listed anywhere for FHA HAMP as all that is stated for the target payment is the 31 % and not 38 % for the proposed payment. 
Although I am grateful to have the opportunity to keep my home, this difference in payment would be almost {$450.00} less a month and so much more affordable. My main concern is not to be so tight in making the payments that only XXXX unexpected expense could put me delinquent again and that is very scary. I want to ensure I am never in default again.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-28
Company: EQUIFAX, INC.
State: MN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
This is the second time I am filing a complaint. I have a XXXX School Loan. All my loans were consolidated into one singular loan. I have an automatic payment system set up that automatically withdraws money from my personnel account & applies funds to the account. All the credit companies ( Equifax, XXXX, and XXXX ) are doing two erroneous actions as follows : 1 ) They have charged me with a late payment that was paid on time in XXXX 2013 2 ) Instead of applying this incorrect late payment charge to XXXX account they have applied it to all the subaccounts that were already consolidated ( they even have the same account number )!!!! 
I am being prevented from getting any reasonable loans due to their disparaging reporting. At this point, especially as I have previously complained about their reporting methods in regards to this loan, I would state that these organizations are intentionally taking part in fraudulent & defaming actions, that are causing me great stress and anxiety. 
I would like all of these negative reports expunged from my records & I would like proof that they have taken action to have my XXXX XXXX XXXX XXXX XXXX that has been legally consolidated into XXXX single loan years ago, listed as XXXX loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-16
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
Around XXXX 2014 I applied for a loan with XXXX XXXX XXXX XXXX ( XXXX ). Unbeknownst to me over the next few months ( XXXX ) continued to request copies of my credit reports from the XXXX major credit reporting agencies through XXXX. Some of the request were days apart. Once I found out about the excessive credit inquiries I requested the credit reporting agencies to delete them. I also asked XXXX to have them deleted with negative results.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-22
Company: CITIBANK, N.A.
State: OH
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Had unfair lending practices with mortgage with Citibank. I had a loan on a rental property with 10 % down. The lender I had was purchased by Citibank Mortgage. I had the loan for 10 year and tried repeatedly to get the PMI removed. Citibank kept telling me I had to pay several thousand dollars to get the equity up to 20 %. At on point they requested $ XXXX on a property that I paid {$120000.00} for. They only paid down roughly {$100.00} down on the principle on a monthly basis. The rate was 7 % and the remainder of the charges were PMI. After 10 years I had only {$10000.00} of the principle paid down. Total scam. Every time I called to get PMI removed they said I had to get a new appraisal with their team and have both these high cost, a large amount of capital down, and really high closing costs.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-26
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
A settlement agreement was made with XXXX ( XXXX ) to settle and pay my balances. I paid the balances and made the settlement and my credit bureau accounts are not showing the correct information.

Company response to consumer: Closed with non-monetary relief