BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-06-08
Company: 21ST MORTGAGE CORP.
State: NM
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I am having a problem with my current mortgage company submitting a requested pay off letter to the refinance mortgage company that I have been approved with. I have sent requests dated as far back as XX/XX/XXXX, more current requests such as a second written request inXX/XX/XXXX with an attached sample letter that the underwriting department of the refinance company needs. I keep receiving a pay off amount but not what the language is needed to be able to move onto the next process with the other mortgage company. I have called on XX/XX/XXXX, I had both companies explain what was the process to each other. I called again after the two parties agreed to a 2 week manual letter to be generated from current lender. I called again on XX/XX/XXXX, I was promised a would get a phone call on XX/XX/XXXX and that did not happen, I called two more times XX/XX/XXXX again message left and no call back. I have certain appraiser deadline that is nearing, among all the other new lender deadlines. I also have divorce attorneys needing this process to be done. This is way too much emotional stress that I keep having with the current mortgage company. I have been an excellent paying customer and receiving poor service.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-08
Company: Seterus, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I. DISPUTE Case No. XXXX 1 ) Seterus Inc. 's response of XX/XX/XXXXwas not followed by more information but says, in regard to providing a " single point of contact '' that they may assign a " team '' as a single point of contact rather than any one individual. The problem with this response is that they have yet to identify any such " team '' by name or code number, so all correspondence, calls, emails, faxes, go to n o identifiable person, and I never know who should receive or has received my communications ; i.e. they still do not follow the single point of contact practice for all practical effect.
2 ) They also say ( page one of their letter to me ) their enclosed Account Statement incorrectly detailed the monthly installment of {$1600.00}. But they do not seem to say how they rectified the error.
II. New Issues : 1 ) Seterus ' practice is to charge a late fee when a payment is received after the XXXX of the month. But my XXXX payment, which was mis-routed by the Post Office to Tennessee, still arrived by XX/XX/XXXX according to the certified mail receipt they signed. They said they would look into the issue but have not yet acknowledged their overcharge as of XXXX today.
2 ) Seterus has not remitted my property tax refund : As a low income/XXXX/senior citizen, I was granted a Property Tax Postponement. However, I have been paying my property taxes as part of my loan payment to Seterus. The XXXX XXXX County Tax Collector/Treasurer, which was paid my taxes by the California State Conroller, did not repay me but instead paid Seterus, so Seterus was paid TWICE, by me and by the county. My tax situation is supposed to be a " WASH '' so i do n't owe but am not shortchanged. But if I sold now, i would have to repay the state, and I already paid Seterus, so I would be paying TWICE, Seterus is getting PAID twice. That refund should be going to me so that there is a wash.Instead, i have been using the tax payment money that I was not supposed to pay, to pay for my bills and basic needs. So Seterus needs to repay me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-19
Company: CITIBANK, N.A.
State: KY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I have got in touch with citi regarding my citi double cash card. There's a debt of around {$11000.00} on there and i have already informed there about it for about a week or so. I was told i would be getting my money back but i have seen no efforts on it. This card was not used by me and yet i am still expected to pay for the monthly payments on the card. This is so frustrating. I haven't heard back from them yet. I was told i would get the money back in three days since i didn't do the spending. But it looks like they aren't even going to respond to my case. I am so so tired of this issue i want this fixed as soon as possible. Now I'm supposed to pay for a monthly bill which did not spend close to that amount

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 2019-03-19
Company: EQUIFAX, INC.
State: SC
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I am reading information on my report and when equifax tried to verify me they say the information I am providing is incorrect. This is just their way of stalling a dispute

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16
Company: RFNA, LP
State: LA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I received a loan from republic finance. I defaulted on the loan because I I fell into financial hardship. I was sued in XXXX and a judgement was rendered to me by XXXX XXXX.This judgement is over ten years old. They have charged me over 10 times the the loan and interest is recurring on interest. As a single mother it is no way I can come up with over four thousand dollars. I will be paying this loan for the rest of my life. I recurred {$2500.00} in interest Thur XX/XX/XXXX which is more than my principal balance XXXX and XXXX in attorneys fees and the more I pay the more my balance goes up. I am near XXXX  working 80 hours a wee to keep a roof over my kids head Im almost left no choice but to file bankruptcy

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-08
Company: JPMORGAN CHASE & CO.
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I spoke with Chase 's resolution department about a message I received today XXXX2017, and the first female I spoke to did not seem to understand why I was called ( I  assumed a language barrier/spoke broken XXXX ). The second female rudely told me the call took place on the XXXX. I received the voicemail today, and my cell notes it was received today XXXX17. She said my dispute had been closed. They did not dispute anything! To date, I have called XXXX 3 times. XXXX ( XXXX XXXX, SC - Store Manager XXXX ) remembers my previous call with her about a week and ago. She thought the first charge of XXXX ( XXXX XXXX ) had been charged back. The second charge was a XXXX different XXXX ( XXXX XXXX ). The female in the Chase resolution department told me it was my fault the dispute was closed. Supposedly a letter was mailed to me a month ago, but I did not get it. One was sent a week ago, and has not yet arrived. If I knew this had to be in writing, I would have done it the first day. Chase does not handle disputes like any other credit card. If I have detailed the issues on-line, I should not have to do it again in a letter. I certainly should not have to speak with someone who refused to reopen the dispute, but would happily transfer me to cancel/close my card. This is despicable service. I can tell Chase does not value my business. The only charges from XXXX were made on XXXX XXXX and charged on the XXXX. I was told XXXX was the total for some brackets which would be mailed to me. On XXXX XXXX, I got an e-mail saying they were on their way, but that they were XXXX. When I looked at my statement, I had been billed twice. I have called XXXX 3 times, left a message for XXXX, and spoke 2x with XXXX. Chase has done nothing! This is an unauthorized charge. I should not be charged additional charges by vendors, alert Chase, and then have Chase refuse to dispute the charge. I am also filing a complaint tonight with the Consumer Financial Protection Bureau. Chase has refused to follow-up on this dispute. Chase have been negligent in handling this issue. The female who refused to transfer me to someone who would assist me, and would only transfer me to someone who would cancel my card was not only negligent, lacked any trace of customer service, but she should not be working in any customer service profession.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-04
Company: HEARTLAND PAYMENT SYSTEMS INC
State: MO
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I am on an automatic payment plan with Heartland ECSI. 

XX/XX/2019 I wanted to make a payment on my largest loan with the highest interest rate. Heartland ECSI does not allow you to target specific loans. This is unjust. To make a payment online one is charged a {$10.00} fee, and a 3.95 % charge. This is clearly immoral and wrong. 

XX/XX/2019 I made a check payment to Heartland ECSI of {$1000.00}. The payment was not processed. See attached : " Payment Not Processed '' .pdf. 

XX/XX/XXXX account statement reads {$870.00} Past Due and {$18.00} in Fees. See attached.

Subsequent statements, also attached, accrued interest and fees on this amount. I did not take any action on paying these fees and amounts, since I thought it was clearly a mistake. 

XXXX I called Heartland and they said it was a mistake. The removed the fees from my account and the Past Due amount with interest charged. I asked why was my one-time payment not processed. They said they " could not find the account. '' I asked how can I submit a payment without paying the exorbitant fee. 
They said send in a check. 
I already tried sending in a check ; that is what caused this problem in the first place. 

In short it is seems impossible to make a one-time payment to Heartland ECSI without some sort of exorbitant fee for the privilege.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-21
Company: CREDIT ACCEPTANCE CORPORATION
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
To Credit Acceptance Corp XXXX XXXX, XXXX RE : Repossession and Disposition of Vehicle VIN : XXXX This company is in violation engaging in a repossession without written notice, without a timely letter to inform of the repossession, how to retrieve the vehicle in a timely manner and predatory loan practices. The vehicle was repossessed in XXXX of XXXX, I never received a letter until XXXX XXXX of the sale of the vehicle with the amount remaining of {$6400.00} This company is currently under legal dispute for the same issues in a class action lawsiut

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-02
Company: National Enterprise Systems, Inc.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
NES NATIONAL Enterprise Systems XXXX XXXX # XXXX I understand that the {$230.00} debt is owed. I have every intent to repay the bank, however, I have been unemployed for 6 months and is currently collecting {$150.00} per week in jobless benefits for 12 weeks. Because I work in XXXX, I am subject to pass a credit check before an offer for employment can be extended to me. I applied for the XXXX XXXX positions with the XXXX XXXX XXXX, XXXX, NC and I am required to pass a credit check. I can not have any collections or judgments on my credit file. It 's critical that my credit file remains spotless because I will have to undergo credit checks for any positions I apply in 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 2021-06-10
Company: Experian Information Solutions Inc.
State: IN
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:
Multiple hard inquiries initiate it on my credit report without consent this is a federal violation of the creditors that Ive tried to issue and access my credit report without authorization and or consent given initiated several written letters Recieved Federal Certified mail to all three major credit bureaus XXXX XXXX and Experian to remove these credit hard inquiries off of my credit report immediately

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-09
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I spoke with the credit bureau and was told to provide my id, social, and and report, which I did regarding the listed items on my report. I was told that my report would be updated in the next couple of days. There has been nearly a month and no change yet. How is it that I can provide what was requested and I called to confirm that they received my information and nothing was done. I keep receiving generic responses asking for my information after I have already provided it. My name is listed incorrectly, I have XXXX address only and XXXX XXXX XXXX inquiry is listed on there. I gave the information to the credit bureau and was told to wait a couple of days for this to be done and it is not done they asking me to send in my information again. When I called they confirmed that they had my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
I applied for a car and I received hard inquiries from other places. 
XXXX XXXX XXXX XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2022-12-19
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

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 2018-05-31
Company: Experian Information Solutions Inc.
State: AZ
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 paid XXXX XXXX {$2000.00} to bring an account current, yet at the same time ( 48 hrs ) the account was reported as charged off. I was told by customer service that the status would be rolled back ( I have this conversation recorded ). Yet every call I make to them results in my being transferred to a call center overseas and people who claim to not know anything about it. I would think there would be notes on the account from customer service. I even offered to pay the balance in full immediately, even though the $ XXXX is more than the amount needed to bring it current. The account was late in the first place due to divorce and the ex emptying accounts. XXXX was aware of this, and I was told that the department needed was not open on weekends. They did not contact me via mail. They have my email and did not contact me there either, or via phone. I was told they had an old phone number yet I had updated it to the one I've had the last 7 or so years. I had an excellent history with them before this. Their reps in other countries contradict what they say and I have recorded countless calls with them where I get different information depending on who I speak to. This is misleading, fraudulent, and they should not be allowed to treat consumers this way. Especially a consumer who is not asking for a settlement, but who wishes to pay the full amount due. Their incorrect reporting will now result in my children and me having a difficult time securing a residence, and also impact my ability to get a job.

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 2017-06-08
Company: General Financial, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX   XXXX  states in a letter that i opened an account with Just MIlitary Loans in  XXXX  of   XXXX  . I have not been a part of the MIlitary since  XXXX   XXXX  i do not have any knowledge of a loan with  XXXX   XXXX  or Just MIlitary. I have dispute this account numerous times and have asked for account verification. I do not have a contract with  XXXX   XXXX  and i do not have any knowledge of an account with Just MIlitary.

Company response to consumer: Untimely response
Consumer complaint received 2022-12-19
Company: MoneyLion Inc.
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Was approved for a loan, but didn't receive the money

Complaint:
I applied for a payday loan from moneylion instantcash for XXXX $ and i got approved for the loan but no money never came to my XXXX account now for the past XXXXmonths moneylion tried to take money out my account it literally just happened again today and i feel like that is not fair and also feel like its a scam i know i was only asking for just XXXX $ but i really needed the help and got nothing now being told i owe and i actually get alerts everyday from XXXX stating that moneylion is trying to take XXXX $ out my account can someone please help me with this problem i still would like to receive my payment i never got

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-08
Company: Monterey Financial Services LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Monterrey Collections st ates in a letter that i opened an account with  XXXX   XXXX   XXXX  in  XXXX  of   XXXX  . I have not been a part of the MIlitary since  XXXX   XXXX  i do not have any knowledge of a loan with  Monterrey COllections or    XXXX   XXXX  . I have dispute this account numerous times and have asked for account verification. I do not have a contract with Monterrey COllections and i do not have any knowledge of an account with   XXXX   XXXX  .

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06
Company: Nelnet, Inc.
State: SC
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
My income based monthly repayment amount with Nelnet is {XXXX} ; so last year I paid {XXXX}. I received my student loan interest statement for 2021 and {XXXX} was applied to interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09
Company: Mortgage Research Center, LLC
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
After several months of diligently working to find a home loan for the area that I am technically unable to move from due to custody of a divorce. Was giving the run around. Asked to put money down to show good faith. They requested for {$1000.00}. I was then asked for an additional {$4000.00} then {$5000.00}. I ended up making sure by date of closing if more money was required down, even throughout k was prepaid to pay it. I was not giving that much out of this process. Instead I was labeled lazy and told I needed to go to work and that I was not honest. The loan officer about being honest to the particular I am a disabled veteran who recently required surgery unexpectedly on left leg. I was told by the loan officer, XXXX XXXX and XXXX XXXX backed each other up and refuted to if I went to work I could own a house. In addition, made comment about my sister who I helped in 2014 battle XXXX. She had zero health or burial insurance. I used a credit card with that were paid off but was subjecting me to a monthly fee after writing XXXX XXXX about the issue each time. There were disputes because the debt was satisfied and no proving information that stated any different. I disputed all three of the these allegedly made accounts and favor was giving after making complaint using credit karma where I get message about erroneous made attempt via a collection agency that XXXX somehow took one account and made it split 3different times. Again, I disputed via XXXX XXXX, and was relieved with a posting of zero owed. But, nevertheless it shows zero with a derogatory lingering entitlement. Had I known sooner I could have did better with what was being shared unknowingly. I was educated and kept up to date thanks to 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