BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-10-12
Company: Seterus, Inc.
State: VA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I am victim of Mortgage Fraud perpetrated in XXXX. 
I was approached in XXXX to invest in some real estate properties. I closed on XXXX properties the same day, as I was told that they were " bundled properties ''. The agent that contacted me during his investigation mentioned that that should have been my first " red flag '', as you can not close on that many properties at the same time due to income and credit verification. Loans were closed for a certain amount, and Title company took thousands of dollars without me knowing in my name from a bank account. The agent suggested I contact an attorney. After speaking to the XXXX. XXXX XXXX in Ohio, i received a letter that the mortgages were fraudulent. I contacted the all XXXX mortgage companies to get some kind of resolve, as I am not in a position to keep the homes. I am seeking your assistance as I would like to get a mortgage histories erased from my credit report. I 'm in the process of getting a Deed in Lieu for all of the properties.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-18
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
Reporting information on which I have Never requested,,,, in which impact my Credit and Score. I have sent letter on this issue to be eliminated asap from report and they ignored. 
The company are : XXXX XXXX XX/XX/2014XXXX XXXX XXXX XXXX XXXX XX/XX/2014I have not given authorization none of this Company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
XXXX XXXX XXXX keeps saying that the home was not discharged in XXXX XXXX which it was per the BK Discharge and XXXX XXXX XXXX own attorney sent me back a letter stating such. 

Everything is attached plus the letter from their attorney I received today.

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 2022-10-20
Company: EQUIFAX, INC.
State: MI
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:
In accordance with the Fair Credit Reporting Act. 15 USC 1681i ( a ) ( 1 ) ( A ), can you reinvestigate the completeness and accuracy of the listed accounts below : XXXX  XXXX : # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
Company: AES/PHEAA
State: SC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I had a PLUS loan with Cornerstone that was paid off in XX/XX/2020. The loan was transferred to FedLoan. I have tried numerous times to get a refund of my payments made from XXXX and keep being told they have no information on my account. Federal Student Aid lists FedLoan as the servicer. FedLoan says they cant locate any information in the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-02
Company: CITIBANK, N.A.
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
A personal check was mailed to XXXX XXXX Bank for XXXX from a Citi Bank account. My bank account statement shows that the money was deducted from my account, but XXXX said they were never paid. Citi Bank is not telling me who they paid or where that money is.

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 2015-09-17
Company: EQUIFAX, INC.
State: OK
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Equifax is reporting a debt from XX/XX/XXXX that is the last date of delinquency it was sold to a collection agency that is reporting it as XX/XX/XXXX I have never paid anything to the collection agency for I do not owe it due to the fact that the business where the accident happened agreed to pay the bill but did not. I have a lawsuit against the collection agency for refreshing this debt but the Equifax will not remove this item even with proof of the original creditor date of XX/XX/XXXX. I have read on this site that I am correct statute begins after last day of delinquency unless I have paid on it which I have not I want the removed from my credit report this violates my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-13
Company: EQUIFAX, INC.
State: ID
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Equifax or one of their 3rd party information suppliers have listed XXXX separate bankruptcies on my credit report when they are obviously the same bankruptcy. I have tried multiple times to get this error corrected, once with an internet submission and twice via phone calls to Equifax and once through CFPB. This is my second submission through CFPB. I have contacted the bankruptcy court and gotten copies of all public records, the court has, pertaining to my bankruptcy. My one and only bankruptcy was about 7 years ago. It was a Chapter XXXX and it was Discharged. During the years since there was a change in how the court districts where divided plus my original judge retired. This caused the court to do an " intra-district transfer. '' There was also a slight change in my case number indicating the new district code. The internal part of the case number did not change. I have attached, here, copies of the public records I got directly from the court. Sometime in the past several years some " lame '' 3rd party supplier of information looked at these records and put them in their database as XXXX separate bankruptcies. Equifax just keeps going back to this " inept '' supplier and getting the same bad information. Equifax lied to me saying " the court sends them the records and they are directly received from the court. '' Equifax has been sued and lost for the very same lies in the past. Public records are not sent out to reporting bureaus ever. Someone must actually go and access public records. I assume this service is supplied by third parties to Equifax. EQUIFAX PLEASE DO YOUR DUE DILIGENCE AND VERIFY MY INFORMATION BY DIFFERENT MEANS. GOING BACK TO THE SAME ERRONEOUS SOURCE OVER AND OVER JUST MAKES YOU NEGLIGENT. IF YOU, EQUIFAX , COME BACK TO ME AGAIN SAYING YOUR INFORMATION ON ME IS CORRECT THEN I DEMAND TO KNOW SPECIFICALLY WHERE YOU ARE GETTING THIS BAD INFORMATION. I WANT A COMPANY NAME AND ADDRESS, A DIRECT PHONE NUMBER AND A SPECIFIC PERSON TO CONTACT.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-18
Company: CITIBANK, N.A.
State: RI
Product: Prepaid card
Sub-product: General purpose card
Issue: Fees

Complaint:
I received a {$60.00} prepaid card as a rebate for a set of XXXX tires, which I had misplaced for a time. When I found it, it appears to have expired within the last couple of months. I called the issuer to request they re-issue the card ( I had not used any of the stored value ), but they refused. While I understand the concept of expiriation dates, I feel the company should have reissued the card as the date only around 6 months from issue and had only recently expired.

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 2016-03-02
Company: CITIBANK, N.A.
State: NY
Product: Credit card
Issue: Advertising and marketing

Complaint:
I have opened a Citi XXXX credit card in response to an offer of XXXX bonus XXXX points after spending first {$2000.00} within first three months. The offer arrived in the mail several hours after I have completed an online application with less amount of bonus points. I have called and asked for my application was changed to the right promotion before the card arrived. The representative did not accommodate and after few days, following their advice I closed the first application and reapplied again, this time responding to the correct promotion. I have never used, or even activated the first card. The same promotion ( XXXX bonus points ) was running on Internet every day I was logging on my card account for much longer after I opened the correct card. 
I have completed the required amount of purchases but did not get any points. When I tried to call and find out why I did not get points, I was given different answers every time someone new answered the phone : a ) I did not complete the required number of purchases in time ( someone could not calculate that there are 3 months between XX/XX/XXXX and XX/XX/XXXX ) b ) I opened wrong card, not the one with promotion c ) I had a return ( a class I was planning to take was cancelled ), and that invalidates my points, etc. 
d ) Because I had previously opened another card ( the one I never activated or used ), I am not entitled to any promotion. 
After multiple calls and letters, Citibank issued me XXXX but not the XXXX listed in the ad. I believe they should stand by their advertisement ( both mailed and shown at my banking login ) and give me remaining bonus point. I did my part of the bargain by spending & gt ; {$2000.00} in three months as was required to me. 
I believe that looking for excuse not to grant me what they owe is dishonest and I am quite shocked that the bank with which I do business for over 20 years would resort to such a deceitful practice. I have enclosed the letter I previously sent to the bank and a copy of promotion that was mailed to me.

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 2020-04-17
Company: SYNCHRONY FINANCIAL
State: NJ
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:
PayPal credit reported my account as 30 days late after they returned my payment for no reason. I make my payment every month but they keep returning it. When I called my bank to see if there was an issue with my account I was told the funds were available and PayPal were the ones that returned the payment.

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 2015-11-06
Company: CITIBANK, N.A.
State: VA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
On XXXX XXXX, 2015, I contacted Citi bank regarding fraudulent activities and requested to block my account from all credits and debits. On XXXX XXXX, 2015, I confirmed through online banking, the automated voice system from the customer service number and a live representative verified my account was blocked as requested. On XXXX XXXX 2015, my direct deposit was sent to Citi bank and instead of denying the funds to get sent back to my employer, they forced them into my account, which caused {$290.00} of my direct deposit to go towards the fees and charges form the fraudulent activity. When contacting through the phone I 've spoken to many representatives giving me different information, as well as XXXX stating on XXXX XXXX, 2015 at XXXX, that the funds will be forced into my account even If it is blocked from all credits and debits with fraudulent activity. Which is completely different from what every other rep has told me since my issue started. I was told that the block would prevent my funds from being taken by every other citi employee. Since this issue has occurred I have accumulated fees since I have not been given my funds back in a timely matter.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-07
Company: Niagara Capital Recovery LLC
State: VA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint:
I was called by a processor ( showed " private number '' on caller i.d . ), XXXX XXXX on XXXX occasions on cell phone and home phone that I wpould be served at my office or home for not paying a 2010 closed checking account if I did not contact what I know to be Niagara Capital Recovery. I was scared and called the number. A XXXX XXXX put me on hold XXXX while he supposedly contacted the original creditor. In the end, I gave him my debit card info. After the call, I realized I didn'nt even know the name of the company, I was so intimidated. I called the collections dept of the original creditor who said they 'd not had any contact whatsoever with XXXX XXXX, that the phone number I had for him was not who they 'd sold the account to and that the amount he was trying to collect was almost {$250.00} above the charged off amount. I cancelled my card and have since received more calls from them and a purported process server. Where do I go from here and are these people legitimate?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-28
Company: Big Picture Loans, LLC
State: FL
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I took out a loan with Big Picture loans for a total amount of {$600.00}. I received the funds on time with no problems. Then when it came time for me to have the funds taken out for payment for some reason on THEIR end they suddenly do n't have the correct bank account information??? And now I am being charged extra fees on top of the original agreement with no communication or knowledge of why I have the extra charges. So essentially I am being penalized for THEIR mistake!!! I have asked for a letter in writing describing the reasoning for the charges. So I do n't know if they will respond? Please help!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-09
Company: CITIZENS FINANCIAL GROUP, INC.
State: AZ
Product: Credit card
Issue: Billing disputes

Complaint:
The account has been open since XXXX. It has been in good standing with no issues. Payment has always been made on time, and well over the minimum payment due. 
In XXXX I traveled the world and did not have a steady mailing address. My credit cards are all set on auto pay, however XXXX never activated the auto pay and I had many issues with this. If my payment was due I would typically pay online, or over the phone. In XXXX XXXX I never received notice that I had an outstanding bill due. Finally, well after the payment was due and after I was reported to the credit bureau I received notice that I had a payment due. The minimum payment was for about {$120.00}, to show good faith and make sure they knew I was not trying to dodge my bills I paid {$1000.00}. I was told my account was in good standing an no further issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-28
Company: WELLS FARGO & COMPANY
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
NO Options for Underwater Refinance HARP Ineligible Loans : As I completed the initial steps of the refinance process over the last few weeks, I had some uncertainty as to appraisal value of my home but thought that it was presently an ideal time to attempt refinancing as there were numerous sales in my area in the last XXXX months and at increasing prices. The actual appraisal value of my home completely shocked and disappointed me. The appraisal value indicated that I am severely underwater by almost - {$80000.00} XXXX 80 % of the appraisal value in relation to the unpaid loan amount ). Refinancing, if it happens, is going to be a hurdle because according to Wells Fargo, the least amount of cash I would need to bring to closing is approximately {$45000.00}, with private mortgage insurance ( PMI ) premium payments each month. PMI will most likely take several years before it is eliminated based on how underwater I am currently. 
I want to honor my debt with Wells Fargo but I also want take advantage of the lower interest rates. I want to remain and continue raising my family in my home in XXXX XXXX. I am employed. Thank XXXX. I have never been late on payments of any of my debts, including my mortgage. Thank XXXX. I have a very good credit rating. Thank XXXX. 
I know that I am not eligible for assistance under HARP, because my original loan is not XXXX or XXXX XXXX. I was informed that my loan was packaged and sold by Wells Fargo to XXXX and that there are no programs to assist me, although I am underwater. This fact is hard to accept because accepting this fact would lead me to believe the saying that the " nice gals finish last ''. This is a saying I am not willing to accept because I always step out on faith. I do n't think my issue is a unique one and I hope something can be done to help me refinance. 
I am writing to bring this to your attention and I am hoping to get some assistance as the window for me to refinance is closing. 
There should be some help extended to homeowners like myself who want to take advantage of the lower interest rates but can not because of having a underwater value to mortgages who are not HARP eligible because banks pooled and sold mortgages to private investors who have not done a thing to help since the housing market collapse. Some pressure should have been placed on these investors and help extended whether for HARP eligible or not.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
Company: EQUIFAX, INC.
State: TX
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:
How Im the world can yall update my credit score with closed accounts late payments if its closed wats late on it its against the law to to do that please stop updating my account wit those accounts thats closed and fraudulent they are are fraudulent accounts are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and more if a account is closed and fraudulent how am i continuing paying for the stuff if its close please remove these items off my credit report they are fraudulent and not mines please please remove them

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
Company: Paradigm Assets, LLC
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was a victim of identity theft, I was made aware on XX/XX/2022 when I pulled my free credit report online that's when I discovered that someone had opened an Credit Card with my Name and Social security number with XXXX XXXX and it is in collections with JHPDE FINANCE I , LLC. This Catastrophic error and negligence on behalf of JHPDE FINANCE I , LLC is causing a financial strain on my family as I am trying to become a first-time homeowner, now this process is delayed because of my discovery. Also, there are a host of unauthorized credit accounts opened when my identity was compromised.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-23
Company: SECURITY FINANCE CORP
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
They have also called friends of my family multiple times leaving messages. Showed up to my grandparents house and disclosed my debt to my older brother. Showed up at my aunts house and told her that they were told she was my mother. Sent a letter to my grandmothers address XXXX and I live XXXX. They have trespassed multiple times on my grandparents and aunts property that have NO TRESPASSING SIGNS on both properties and they have showed up even after I contacted them telling them that I do n't live at either of the residents. They are continuously calling and leaving messages telling my family and friends that they need payment or my collateral. I worked for a XXXX company so I know my rights as a consumer. What they are doing is against FDCPA and CFPB. They disclosed to my brother that I needed to pay {$75.00} and also gave him a letter to give to me. They have harassed my family and friends so much that my family and friends are also going to be filing a complaint with the CFPB. And it is all over a {$370.00} loan. Ridiculous.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-11
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
re numerouse complaints against, XXXX /wachovia bank / wells fargo bank, fraudulent forclosure / predatory lending/ forced home owners insurance, lets start XX/XX/XXXX, wells fargo bank say i missed 3 consecative mortgage paymants, that is a bare faced lie, i have all the proof of paymants international wire transfers, recieved and cashed by wells fargo bank, i was over paying on my monthlly paymant incureing a over paymant in excess of a {$1000.00} credit also my escrow acount was in credit of over {$5000.00} credit .for taxes and insurances paid, This is what wells fargo bank .Fraudulently did, They started forclosure preseedings, stating i was 3 paymants in arears, Then closed my escrow acount sending XXXX large checks to my insurance company, totaling {$5000.00} insurance was already paid for the year,? This deceptive act was deliberate act to deceive and deprieve .knowingly that the insurance company will send back the XXXX checks to the bank, wells fargo then fed the funds fradulently back into a closed escrow acount, the wells fargo fradulently made the amounts look like they were older paymants, they call this cooking the books? There were no missed paymants mortgage acount in credit of {$1000.00} when they refused paymant saying acount closed in forclosure and escrow acount in credit {$5000.00} on this day XX/XX/XXXX There was no grounds for forclosure in credit of {$6000.00}, also wells fago have a co signed insurance check for damage i had repaired for {$2500.00} that make my acount in credit forover $ {$8500.00} credit no grounds for froudulent forclosure, as a consumer why have i not been treated equal to americans, preadatory lending XX/XX/XXXX lending 50 % 0f house value {$520000.00} loan amount {$250000.00} Then forclose this is organised crime act of lending please explane why wells fargo bank have not been brought to justice for fraud and perjury committed between XX/XX/XXXX to XX/XX/XXXX crooks

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation