BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-03-10
Company: Seterus, Inc.
State: NV
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
" Please be advised that in order for loans to be eligible for modification assistance, they typically must be over 60 days delinquent. However, based on the information you provided, you demonstrated danger of imminent default and became eligible for the four month Trial Period Plan. Under the terms of the Program, reduced payments of {$630.00} were due XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, and XXXX XXXX, XXXX. The reduced payments were designed to put your loan delinquent in order to meet the requirements of the owner of the loan, XXXX. Because you did not perform on the proposed Trial Period Plan terms ; rather, you remitted your XXXX Trial Period Plan payments early and the loan remained contractually current. Therefore, the Trial Payment was denied on XXXX XXXX, XXXX. '' Once again XXXX XXXX XXXX & XXXX XXXX of Seterus has given incorrect information. The letter of XXXX which I received on XXXX/XXXX/XXXX from XXXX states that the payments of XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX were received were designed to put my loan in default. If that was the case, I could not have made the payments early as stated since SETERUS took the payments out directly from my XXXX bank act and if they wanted to make them delinquent, that was their priority. I was also advised by them to " never be late '' as well as Making Home Affordable " to never be late '' and Seterus told me to allow them to take the $ out of my account directly so this would happen. I was told when the Denial came to me to make up all the payments or I would be charged late charges on everything, causing me to have a foreclosure. And that my Credit Score would also be affected. ( I have been advised to go directly to XXXX and one other Government Official if Seterus does not grant me the Modification. ) At this point it is very difficult for me to make these payments because my situation is about the same if not a little worse. However I would rather starve then let Seterus claim my home. And going through all the paper works that I went through the first time put my health in jeopardy. CFPB has records of my previous complaints on file and I could not respond or dispute the last XXXX because of a computer problem. Thank You for helping me, CFPB in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-06
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
My complaint ; Equifax and XXXX is being negligent and their investigation is taking to long that I requested both of them to do over 2 months ago. XXXX did their investigation with in the first 30 days and removed all the improper information on my credit report which is perfect with that credit reporting agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-16
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
EQUIFAX fails to remove the XXXX Mortgage Serv account information. EQUIFAX reports incorrectly the account is 120+ DAYS PAST DUE. EQUIFAX reports incorrectly the AMOUNT PAST DUE is {$18000.00}. EQUIFAX reports incorrectly the BALANCE IS XXXX.EQUIFAX reports incorrectly the Date of First Delinquency is different from the Date of First Delinquency from the other CRA 's for removal. EQUIFAX continues to report inaccurate information on my credit file which lowers my credit score. This causes me the inability to obtain credit and lowers my standards of living and causes me to languish and suffer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08
Company: Wilber and Associates, P.C.
State: HI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was stuck by an overspeeding XXXX yr old lady and I have enough evidence to prove in the court of my claims which i can not detail here as it is still on going court hearing. 

Her insurance company XXXX XXXX however hand over me to Wilber trying to collect money from me. It has been written by XXXXXXXX XXXX XXXX XXXX companies and been informed and also that there is a court case on going. Yet, Wilber will continue to collect from me and never stop calling and writing me letters. 

It is very destructive that I am now suffering of emotional and mental anguish both from accident and the non stop collection of XXXX XXXX XXXX XXXX Insurance Claims XXXX XXXX XXXX XXXX AZ and Wilber XXXX XXXX XXXX XXXX IL XXXXXXXX XXXX  and Wilber always sent mails on my residence which is unwelcome. My correspondence is only my P.O. Box especially they are charging of a bogus claim is very detrimental and adversely affecting my health that worsen my XXXX XXXX XXXX and XXXX XXXX Also, they make phone calls and fabricate lies to collect money from me such as that XXXX told them I have no insurance when accident happened when police was on site of the accident and that I admitted to XXXX via statement I was at fault which pure lies. These all very destructive affecting also my income. I cant even work properly with what they are doing to me. I was even XXXX of the car accident that their over speeding driver did and instead of me collecting from her, all together they are charging of the accident when my car was 88 % wreck of the accident in 25mph while I was in full stop. Evidence will be provided in court.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24
Company: EQUIFAX, 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: Account information incorrect

Complaint:
There's a late payment from XXXX from XXXX and and also over 20 inquiries on my report that I don't have any knowledge of ..I 've reached out over a month ago but no response however... I don't comply to using XXXX XXXX at all .... this is the true meaning of malpractice and slander I've been unable to do anything financially please remove this from my account asap

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08
Company: Netspend Corporation
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
If the IRS didn't do a direct deposit into my account, I would NEVER use PayPal again!! {$600.00} dollars was deposited into my PayPal account I transferred it to my Paypal Prepaid MasterCard ending in XXXX. Before traveling I lose my card, then remember PayPal sent me another card ending in XXXX. Traveling through hills I tried to activate the card but lost signal and the call was dropped, thinking it was activated/registered I add it to my XXXX wallet and now it keeps getting declined saying insufficient funds.. WHERE IS MY MONEY??

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 2020-03-16
Company: ERC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have never opened an account with XXXX XXXX. I have never done any kind of business with XXXX XXXX. I have no knowledge whatsoever of this debt. This is not my debt. I have never done business with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-09
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint:
When I applied to go to school at the XXXX XXXX XXXX XXXX in 2006. I chose to shoot for a XXXX degree in XXXX. I did n't have any job at the time and living with my parents. After applying I was immediately accepted and offered a starter pack of all types of art supplies to begin my " journey of learning and creativity '' It did n't dawn on me until now as I look back and see how friendly the staff was when they had me signing all of this papers for loans. as I attended classes which I constantly questioned my self if they really related to what I was striving for. I constantly was called in the office to sign paperwork for " tuition '' which the staff assured me I would not have to pay back. 
After two years of racking up debt and attending mediocre classes with pessimistic instructors, I was called in the office with a counselor and was told I could not attend the school anymore that I needed to go get general education classes somewhere else and return in a year to reapply to the XXXX XXXX. Wait, what. Not knowing better I discontinued going and went on with my life I left it at that. I began to work and became a productive citizen. After a year of being kicked out I began to receive call from collection agencies about this loan. I was unable to pay rent at the time let alone student loans. After the years have gone bye and applying for deferments and forbeance I find myself with all this debt I certainly was not aware it would blow up like this. After doing research and knowing the XXXX XXXX has been involved in many predatory lending I strongly believe I have been a victim.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-03
Company: Ditech Financial LLC
State: LA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Ditech made several mistakes with my account in the month of XXXX, including taking an extra payment. I asked for a refund of that extra payment and Ditech negated my XXXX 2016 payment to issue my refund INSTEAD of reversing the extra " principle payment. '' As it stands now, my account is in default, but showing an unwanted principle payment. Because of its default status, Ditech collections department harrasses me by calling XXXX to 4 times a day, INCLUDING THE WEEKEND! I have asked repeatedly to have the account corrected ASAP, but all I get is rhetoric that it will be done soon, but it never gets done.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-31
Company: Ditech Financial LLC
State: WI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
This is too complaint case # XXXX.I XXXX XXXX placed a complaint with you in regards to the closing escrow surplus from selling my house on XX/XX/XXXX. The amount I have due to me is {$2700.00}. I received a letter the Ditech Financial LLC. dated XX/XX/XXXX. They stated that they did transfer my funds but they have not. The money is not in my bank account. 
As to the reference in the letter from Ditech Financial, LLC about them sending out a check to me on XX/XX/XXXX to the address XXXX XXXX XXXX XXXX, XXXX, WI XXXX. I gave them my new address before they said they mailed this check out. Also if this check went out to this address I would have gotten it because this is my sister 's address. Ihave checked my on line banking account and they have not transferred my money. Now this is after Imade the complaint. I 'm still waiting for them to pay me.I have not been paid {$2700.00}.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-04
Company: Ditech Financial LLC
State: NC
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I had a mortgage with XXXX when I bought my house in XXXX in XXXX my husband went XXXX XXXX XXXX a couple years later the loan was sold to XXXX XXXX XXXX in XXXX we got orders to XXXX to XXXX at that time I had called XXXX to start a deed in lieu we had to leave in XXXX from XXXX to XXXX we lived in XXXX I called XXXX everyday to try and get this deed in lieu done it always came back that they never got the fax or it was lost this went on until XXXX when we went to see a lawyer he called XXXX then things started to get going they got right back to us that day we had to pay off a sewer lien we got that done XXXX put a lock box on the house they had an appraisal done then I get a call the loan is sold to Green Tree Servicing I called them as soon as the loan was transferred to them I was told by XXXX that the deed in lieu papers would be sent to green tree that was not true I had to r refax the paper work again I did that then I was told by green tree they did not get it I refaxed it again now green tree will not even work with us because XXXX has a lock box on the house so green tree can not get into the house they said they can not do a deed in lieu I called XXXX to find out how to tell the people at green tree how to get into the XXXX as it stands right now XXXX or Green tree will not help us. 
We have not been in the house since XXXX we can not get any help from either company and just to add one more thing green tree said the house should have been listed for sale in order to do a deed in lieu when I asked them why they said that I was told that is how XXXX works the deed in lieu process I told green tree that XXXX is the one I was working the deed in lieu with so how could it be different rules they had no answer. we are a military family that had orders to XXXX in XXXX we bought the house in XXXX before my husband went back in the military as XXXX XXXX in XXXX. We need help I ca n't get a straight answer from XXXX or green tree I do have all paper work that was sent to XXXX and green tree I have all names of the people from XXXX and green tree that we have worked with we are now living in XXXX we moved her in XXXX XXXX we will never be able to go back to XXXX because of the military.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-05
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I sent Equifax documents on XX/XX/XXXX2016 ( Signed Affidavits, Police report, and a Affidavit stating for Equifax not to contact me by email and that request is ignored repeatedly. ) I recieved my latest response XXXX/XXXX/2016, and the items i asked to be removed was stated to be verified. 
The fair credit reporting act requires : 1. A complete investigation, and 100 % accuracy. 
2. Items Verified from Original Creditor/not 3rd party info. 
3. All fraud items to be removed/police report XXXX XXXX ( not verified to FCRA guidelines ) Tax Lien ( XXXX ) item not verified to FCRA guidelines. 
Bankruptcy XXXX XXXX XXXX not verified to FCRA guidelines. 
XXXX Collection XXXX ( I have no contractual agreement with this creditor ) XXXX XXXX XXXX XXXX ( I have no contractual agreement with this creditor ) Inquiries : XXXX na XXXX XXXX ( not mine ) XXXX Bank ( not mine XXXX XXXX XXXX Cu ( not mine ) SC XXXX XXXX XXXX ( not mine )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08
Company: CITIZENS FINANCIAL GROUP, INC.
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Citizens Home LOANS STILL AS OF TODAY XX/XX/XXXX my loan is still showing past due!!! Which is Not TRUE!!! Hello I received a email from Citizens One which is my mortgage company saying my loan was past due one month! Which However was untrue I called spoke with a rep in the collections department who was saying same thing then she spoke with a supervisor which I never got a name saying they see the mistake her supervisor was going to fix it but its going to take 10 days I told her no because the last representative who actually took a the payment from me over the phone about two weeks ago said the exact same thing and nothing was never done and now my account is still showing late and were in a new month she said OK hold on Ill get you the supervisor however that did not happen she sent me back to the queue Honestly if you cant handle a problem I shouldnt be sent to a question because the rep did not want to do their jobs correctly!!!! I was sent to a que and spoke with a XX/XX/XXXX who is by the way was very helpful and was trying to do her best to assist me she stated that she will have the issue fixed but its also going to take another 5 to 7 days which I told her the previous two reps told me the exact same thing and nothing has been done yes when I first did my mortgage payment there was to return items I had to take it out of that bank and put it into my XXXX XXXX  which it was done by credit card us be paying the phones were taken out immediately I was there caught by a rep who took the difference of the two something which stated my account was fine itll take some time a couple of days to be updated but nothing was done and I do not want this to be its late or a credit report and not only that our family has been experience a heart ship n this is crazy for nothing to reflect when we are struggling to make ends meet due to covid!!! If Im not available I DO AUTHORIZE FOR YOU TO SPEAK WITH MY WIFE XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-01
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have a credit account, XXXX XXXX XXXX, that is more that 7 years old that is staying on my credit report. It contains negative information. It has a past due amount. 
I want the credit account deleted. Requested by the credit reporting company, Equafax, and XXXX XXXX. They will not delete it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I froze my Consumer Report account, and I would like to unfreeze my Consumer Report but I can't get in contact with anyone at Transunion

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 2016-10-02
Company: BB&T CORPORATION
State: FL
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
We had a line of credit that expired. We were under the impression that the balance would be turned into a fixed loan since the bank would not renew the line of credit. we got the fixed loan after all. BBT wrote us a fixed loan to repay the line of credit. this is fine. we always made our payments on the line of credit above what was requested on our statement. we have our checking and savings account with them. our complaint is they approved the loan with a 7.24 per cent interest rate which we understand is about three points above prime. our line of credit was at XXXX per cent. we thought the 7.24 was high but the bank would not budge. the loan is for 180 months and with this rate it will be years of mostly interest before we get to much going on the principal. we signed somewhat under duress because if we had not signed we would have gotten locked out of the offer which would have caused us to go bankrupt which we do n't want to do because we have worked hard for years to keep our credit in great standing. this incident makes us feel like a great credit rating means very little to them. our condo is now having work done which required a large assessment which the bank knew and now this loan with the high interest has really hurt. we have no problem paying if because we owe it but thought the bank could help us out with a lower rate. can anything be done to help us? we are regular working people trying to get by. we have been good customers of BBT since they acquired XXXX a few years back. 
Thank you for any assistance you may provide. 

XXXX and XXXX XXXX BBT Branch office on XXXX in 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 2016-04-12
Company: SYNCHRONY FINANCIAL
State: IN
Product: Credit card
Issue: APR or interest rate

Complaint:
I suffered a work-related injury in XXXX and am now permanently XXXX. My income has dropped substantially in the past 5 years and I am now on a low fixed income. On XXXX separate occasions from XXXX to XXXX I had zero income and had to use my Sams Club card to purchase food, thus running up debt out of necessity. I am currently in the process of attempting to pay down my Sams Club ( Synchrony Bank ) card, and stopped using the card some time ago. I have always made at least minimum payments and have never missed a payment. Despite this, my interest rate has been unilaterally raised three times in the past two years, and is now at 23.15 %. I called a Sams Club account rep today to file a complaint over the phone, because I am never going to be able to pay down this card when I am paying almost {$50.00} a month in interest and can only afford to pay the minimum payment + {$4.00} or {$5.00} dollars. They would not work with me, which I expected. In my opinion, Synchrony Bank is taking unfair advantage of recent interest rate hikes to gouge customers, especially those who are financially unable to make substantial monthly payments on their accounts. Therefore I am contacting the CFPB to file a complaint through which I might receive some relief.

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 2015-08-18
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card
Issue: Late fee

Complaint:
Synchrony Bank did not honor its commitment to issue credit for a ONE_DAY late fee of {$25.00} in XXXX 2015. The promised credit was deducted from the payment and Synchrony charged an additional late fee and continues to charge additional late fees. I do not acknowledge the late fees and have tried, in good faith, on several occasions to get Synchrony to credit them off XXXX now {$240.00} XXXX. They refuse to do anything but bully me with their canned responses, incompetent personnel and it 's " my-way-or-no-way '' attitude. 
I have continued to make my regular monthly payment on my Sam 's card and will do so. 
I like to shop at Sam 's, but am denied this experience because Synchrony Bank 's " system '' is designed to strangle trade for their client 's customers!! 
I intend to inform Sam 's Club Investor 's Committee of this situation also. 
I realize to Sam 's and Synchrony this is a very trivial matter, but to me it 's a biggie, morally and economically. 
Any help from the CFPB is deeply appreciated.

Company response to consumer: Closed with explanation