BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-06-22
Company: Seterus, Inc.
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
During XXXX, I submitted a loan medication request via the HARP program to my mortgage services, Seterus Inc in order to prevent going into foreclosure. Seterus constantly sent me letters requesting the same information after I would fax the documents or mail for over XXXX months. During XXXX XXXX, I told Seterus to go XXXX because I could no longer play their document games, saying they never received my entire package. As a result of illness, car mechanical problems, and being out of work which caused decrease in my salary, I was unable to pay my mortgage from XXXX XXXX to XXXX XXXX. I sent Seterus during XXXX XXXX, a letter indicating I can start repaying my monthly mortgage : principal & interest by XXXX or XXXX XXXX after I completed paying off another debt. Since I pay my property taxes and home owners insurance, I also questioned in my why Seterus sent me a monthly statement saying I had an escrow shortage due to an outstanding property tax balance of {$67.00} for XXXX when I do not have any outstanding payments for taxes or insurance. I paid principal and interest to Seterus on XXXX XXXX and they accepted that payment. I sent them XXXX XXXX and they returned my payment. I called Seterus and told payment not accepted because they are foreclosing on my home. Ever since XXXX XXXX XXXX had stolen my escrow surplus for over {$3000.00} and transferred my mortgage loan to XXXX/Seterus, this company had given me XXXX and had been threatening me with foreclosure, constantly used to call my job leaving my social security number with other people at my job, and was charging me late fees for money they said I owed XXXX, but they could not assist me to get my escrow surplus from XXXX, and I would receive unknown fees I was not made aware of or late fees for months when I paid my mortgage prior to the grace period due date.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-19
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
I wrote all XXXX credit bureaus as I found misinformation on my reports. Equifax is the only one that did not respond. I wrote them XXXX.Considering the other XXXX bureaus deleted XXXX errors tells me Equifax has errors too. I sent them all the same ID copies as spelled out on their web sites. Equifax CHOSE to ignore me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-28
Company: TCF NATIONAL BANK
State: AZ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
My wife and I have our mortgage through TCF Bank. Five years ago, we were offered a low interest payment, which would end in a balloon payment of {$160000.00}, due XX/XX/XXXX. They were never clear about what would happen on the balloon date, as we would not have that much money. Finally, they offered a reasonable new loan, effective XX/XX/XXXX Now, just one day before XX/XX/XXXX, we were told that our loan is on hold. I relied on their promises in good faith ; now, I fear they are trying to somehow trick us into a foreclosure.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-18
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
In   XXXX   I was told by Equifax that my file was being handled by a special department called consumer affairs. They told me then that it was indefinite and they had no time frame as to when it would be released. They stated that this is for my protection but it has been nothing short of a hindrance to me. I have waited 6 years and I am constantly inconvenienced by this department. They are rude and wo n't answer any questions regarding my file. I have asked to be removed and they wo n't. I ca n't even take advantage of online credit monitoring because they have my file locked. How is this legal or ethical. It 's my credit file and I have to work hard to even view it, then wait days for them to mail me a copy. How is this protecting me? Consumer Affairs is not a department that is for the consumer at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-04
Company: DISCOVER BANK
State: MN
Product: Credit card
Issue: APR or interest rate

Complaint:
I spoke to an account representative about an interest rate reduction. They offered me 16.24 % APR which I specifically asked if it was the best rate they had. They said yes. I manage my finances online using a number of bank aggregators who actively look for the best deals in banking, credit cards and loans. The advertised rate was significantly lower than the one I was given ( 10.99 % ). When I called to try and resolve this issue with them, they were dismissive and were not even open to the idea that mistakes can happen on their end. My credit has been above XXXX for the better part of a year, no significant debts or credit inquiries. If I do not qualify for prime I 'm not sure who would.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-08-20
Company: CITIBANK, N.A.
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint:
The representative that left a message with my son said they were calling with the XXXX County Court. The rep I spoke with alluded to the fact that since it was n't him it was n't a problem.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-01
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Equifax is reporting my current XXXX XXXX account opened in XXXX 2013 as XXXX times 30 days late as well as months reviewed at 16 months. The months viewed should be 23 months as the account was opened in XXXX 2013. I contacted Equifax who advised that XXXX has to update this information so they started a dispute. I contacted XXXX and they advised that this is something the credit bureau updates. I feel that Equifax is keeping this number at 16 months reviewed in an effort to keep my credit score low by having lower months of review on the account. XXXX has also forwarded to Equifax on several occasions requesting that my account reflect no lates and pays on time. I recently applied for employment and the has come up on the back ground check. All of my other accounts reflect accurately with the number of months reviewed expect for my auto loan with XXXX on my Equifax file. However it is correct on the other bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-07
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Chase XXXX Credit Card is charging interest on the full amount owed at the end of the month. Even if you pay off the balance. For example : Balance is {$3000.00} to start Added {$4000.00} during the month Paid off {$7000.00}. 
Chase charged me interest on the full {$7000.00} even though it was NOT carried over to another month.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-01-25
Company: URS Holding, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I am receiving repeated calls, voice messages, from " United Recovery Systems '' with the representative using the name " XXXX XXXX '' Calls come from XXXX and he wants me to return the call @ XXXX. 

I owe no one anything, have an XXXX FICO, my wife has an XXXX FICO ( Just checked on it ), and I want the calls to stop. I think he is just phishing. I think they are just robo calling and there is no underlying debt whatsoever. I am concerned that if I call back and attempt to talk to them I will reveal my real name and other info he currently does n't have -- nor should he. 

A quick XXXX Search of this company turns up many reports of abusive practices, including phishing. 

I wo n't return the call to him as I am quite certain he is engaged in some sort of shady ( Illegal ) practice. 

I just want the calls to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-28
Company: CREDIT BUREAU OF NAPA COUNTY, INC.
State: GU
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
CFPB, I have previously submitted a complaint against XXXX XXXX on behalf of my spouse, XXXX XXXX. The CFPB case number for that complaint is XXXX. XXXX XXXX has recently sent my wife 's account back to collections and we now have a higher balance than before. Previously, the collections ceased and we no longer owed XXXX XXXX anything.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-10
Company: Focus Holding Company
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
For the last few weeks I have been receiving calls from the Focus Receivables regarding 'a debt '. None of the calls ( always an automated recording ) provide any details. I 'm not aware of any debts.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-18
Company: MOHELA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
When I began repaying my student loans in   XXXX  , I was told I would need to m ake 120 paym ents on time to qualify for th e Public Service Loan Forgiveness  program. I chose to have my payments auto-deducted from my bank account to ensure I would not miss a payment deadline. In fall  XXXX , my payments suddenly increased. I called to speak with a representative regarding this increase & was informed I was on the  Graduated Repayment Plan,  which sounded fine to me. Before the phone call ended, I asked them to verify how many payments were left before I could apply for the loan forgiveness. I was informed by the representative that my payment plan did not qualify for the loan forgiveness & that the loan forgiveness was not retroactive. This was the first I had heard &  read  of this, as I also had been interested in the  XXXX   XXXX   XXXX   XXXX   XXXX . I immediately had the representative start processing the paperwork to swap my loans to a qualifying repayment program. It appears as though I will be working another 10 years as a  XXXX  to get my loans forgiven. I feel cheated & tricked by this program. I made my payments on time ... so why should I be punished for not being on a lower repayment plan?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-18
Company: Fay Servicing, LLC
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am a   XXXX   XXXX  . On    XXXX   XXXX  , 2017 we  ordered a payoff statement from Fay Servicing , LLC of  XXXX , IL. We received the payoff statement and o n  XX/XX/XXXX   paid the loan in full. On   XX/XX/XXXX  I re ceived notification from the new owner of the property that the mortgage holder was attempting to " winterize '' the house and change the locks. I contacted Fay Servicing , LLC to find out why they loan had not been cancelled and was told that they payoff they received was short by nearly {$600.00}, eventhough they were sent funds in excess of the written payoff demand. We were never notified of an issue with the payoff  and Fay Services refuse s to take responsibility for the mistake. I have yet to receive a revised payoff statement showing the balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Transunion is reporting that I have an open Chapter  XXXX  bankruptcy. The case was closed without a discharge because I submitted my financial instructional course too late. My attorney would not re-file to reopen the case. T he US Bankruptcy Court gave  me a Notice - CASE CLOSED WITHOUT A DISCHARGE. I have spoken to  3 different supervisors in the past month and filed at least 4 disputes to have this  removed from my credit report. The other  XXXX  credit reporting agencies deleted the Chapter  XXXX  from my report without any issues with the same exact documents I have provided to Transunion. I do n't know what else to do, I have disputed on line, on the phone I have provided documentation from the court. I went down to the courthouse because  one o f the supervisors told me the court was reporting it as active, however when I told that to the clerk he in turn showed me the same document they have on file " NOTICE CASE CLOSED  WITOU A DISCHARGE. My case is closed, not discharged, not  dismissed. It needs to be deleted.

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 2016-03-12
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I tried to get my free report from the XXXX credit bureau but XXXX failed and only XXXX could get me the score. Besides, XXXX XXXX, the application, failed to get me my score. Also, after having about 7 months of good history and a score of XXXX XXXX and something and without any issue in my history, I got rejected when I tried to apply for a XXXX credit card and XXXX credit card while my friends with 2 months of history and not as good as my score manage to have all of these credit cards easily which left me confused. Please help me finding out what is going on.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-18
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
I have a released state tax lien from the   XXXX   XXXX   XXXX   on my credit reports at  XXXX ,  XXXX , and Experian. The lien was filed on  XX/XX/XXXX  and was " paid satisfied and ordered canceled from record '' on   XX/XX/XXXX   ( see attached ). I understand that released tax liens can remain on your report for up to 7 years, however you can request that they be removed. I filed disputes with the  Credit Reporting Bureaus, who stated that they need documentati on from th e   XXXX   XXXX   XXXX   XXXX   requesting that the released lien be removed from my r eport - they report that the information is accurate and it is listed on my credit report as 'released. ' One credit bureau stated that the disputed information was updated, but my credit report remained the same. Experian will only allow you to dispute fraudulent information. I contacted th e   XXXX   XXXX   XXXX   XXXX   who advised me that they will not write letters and do    not have any type of withdrawal form for satisfied state tax liens as are in other states. I would like this lien removed from my credit report. It has been paid and released for over 5 years now and I can not get any cooperation or assistance from either the credit reporting bureaus or the   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 2017-05-18
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: Old information reappears or never goes away

Complaint:
I have a released state tax lien from the state of Georgia on my credit reports at  XXXX , Equifax, and  XXXX . The lien was filed on   XX/XX/XXXX   and was " paid satisfied and ordered canceled from record '' on   XX/XX/XXXX  (  see attached ). I understand that released tax liens can remain on your report for up to 7 years, however you can request that they be removed. I filed disputes with the  Credit Reporting Bureaus,   who stated that they need documentation from the GA  Dept of Revenue  requesting that the released lien be removed from my report - they report that the information is accurate and it is listed on my credit report as 'released. '  One  credit bureau stated that the disputed information was updated, but my credit report remained the same.  XXXX  will only allow you to dispute fraudulent information. I contacted the GA  Dept of Revenue  who advised me that they will not write letters and do not have any type of withdrawal form for satisfied state tax liens as are in other states. I would like this lien removed from my credit report. It has been paid and released for over 5 years now and I can not get any cooperation or assistance from either the credit reporting bureaus or the state of GA.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18
Company: AMERICAN EXPRESS COMPANY
State: MD
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 used the XXXX link on the home page of my church to pay my XXXX, unfortunately the payment was sent to a non church organization. After contacting American Express and XXXX in XXXX, XXXX reversed the charged on my credit card. American Express denied the credit adjustment and recharge me, when I called them the same night I discovered the charged. When I filed a dispute with American Express, the closed the case and left the {$800.00} charge on my account after indicating that the issue would be resolved. It is now XX/XX/2020 and the issue still is not resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-18
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
An insurance check from   XXXX   XXXX    county   XXXX   XXXX   XXXX   was addressed and issued to the Insured policy owner and the   busines s   ( auto body shop ) for repairs  on our vehicle created by an accident. A claim was made to the insurance company ; therefore a check was issued and the ins urance adjuster hand delivered the check to the owner of the  body shop and t he che ck was Payable to : the insurance policy owner and the   body shop       XX/XX/XXXX . The owner of the body shop took the Check to Wells Fargo Bank on  XX/XX/XXXX  a  nd the teller directly deposited the check WITHOUT the Insurance Policy Ow ner 's signature. I received a copy of the check from t he Insurance Co. and no  signatures were on back of the check. On the back of the Check it states : Personal Endorsement of Each Payee Required ENDORSEE : Please endorse check exactly as your name appears on the face. THEN it was stamped by  Wells Fargo " CR EDITED TO THE ACCOUNT OF WITHIN NAMED PAYEE ''. The amount of the check is twice of the quote given to us for repairs ; therefore, this money was stolen and falsified. Therefore, I am filing a complaint against  Wells Fargo on a llowing funds illegally to be deposited to t his body shops account without Consent. No Consent form was signed nor do we   have any invoices on the body work done to the vehicle. Requesting the difference of the amount quoted to us for the body work done. A verbal quote from the body shop was {$2100.00} and the check was written for {$4800.00} due to the lack of responsibility on  Wells Fargo Bank allo wing this individual to take money without our consent and due to the nature of this claim our insurance premiums went up.

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 2021-01-22
Company: JPMORGAN CHASE & CO.
State: OK
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Paid collection in XX/XX/2020 the amount owed should be XXXX. I settled with them for less.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Capital One I am making principal payments and my payment is always early they are not taking my payment for some odd reason I paid my payment and extra XXXX $ to the principal on XXXX XXXX they still haven't taken my payment they? I been trying to call them no one picks up? I need an answer to this issue why they are rejecting my payment the money is in my bank account ts on file. This has been an ongoing problem since I am ahead of schedule to pay this car off! Something needs to be done with them they are trying to ruin my credit which I am building up it's becoming a A+ credit issue because my scores are close to the 700 range.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-20
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: VA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
My late husband open this account without my knowledge. He was XXXX and killed by police because of his XXXX, leaving me in debt and unable to pay his debts. I 've already had a voluntary repossession of my car. I will have to file Chapter XXXX bankruptcy is this debt is pursued.

Company response to consumer: Closed with explanation