BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-05-20
Company: Seterus, Inc.
State: IL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have asked Seterus Inc. to grant a mortgage release or short sale for my property. They have not taken any action to move this process along in the last 17 months. I send them documents repeatedly, they do nothing with them then a representative tells me they have expired. I start the process over and over. I have sent them hundreds of pages of information. They are now proceeding with foreclosure because they are saying it is my responsibility to clear the title for the property for a loan that existed prior to me purchasing the property. I have provided them with my title insurance " hold harmless letter '' and clarified how the title company says these types of issues are resolved. Seterus refuses to act on the information I provided. Then Seterus hired the attorney XXXX XXXX XXXX that has an in-house title company named " XXXX XXXX XXXX ''. I later find out that XXXX XXXX XXXX is the company that issued the title commitment showing a loan not cleared that previously existed before I purchased the property. Because XXXX is working for Seterus I asked Seterus to communicate with XXXX and send them the hold harmless letter I obtained from my title insurance company to clear this matter. Seterus would not do it, but instead sent me a letter saying my mortgage release is denied because I ca n't clear title. I had clear title when I purchased in XXXX. I had clear title when I refinanced in XXXX. This title mistake that existed only was revealed by Seterus in XXXX XXXX. In XXXX XXXX I sent Seterus the hold harmless letter that should of squashed this. They continued to act as if they were accepting my documents and processing either the short sale or the mortgage release, but never acted to clear the title. Seterus and XXXX denied the contract offer for short sale claiming that not enough was offered. The BPO conducted did not use like kind properties as a comparison as there are no comparable in the XXXX for the neighborhood that would suggest a higher value as the XXXX XXXX XXXX XXXX has not rebounded from the mortgage crises. It is highly disturbing that the attorney XXXX XXXX who is principal in XXXX XXXX XXXX that has sister company XXXX XXXX XXXX XXXX is representing Seterus against me. When XXXX XXXX XXXX XXXX has been given the information to clear the title so that the mortgage release can proceed. Seems to me that they are interested More in making money from the foreclosure than helping me proceed with the mortgage release. It is an unbelievable situation because my title company that I have insurance through " XXXX '' stands behind me on clearing the title ; which is why they quickly issued me the hold harmless letter. But yet Seterus refuses to cooperate sending me a letter that I am responsible for clearing the title ; mortgage release denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26
Company: ACIMA CREDIT, LLC
State: CT
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:
3 accounts on my credit report that doesn't belong to me. I am respectfully requesting a deletion of these accounts. 

1. XXXX XXXX 2. Acima Credit XXXX XXXX 3. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-22
Company: TRANSWORLD SYSTEMS INC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I noticed this debt for {$860.00} and will like more information on the debt to resolve the problem and remove from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02
Company: WELLS FARGO & COMPANY
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
The bank Wells Fargo has been keeping the balance same for almost a XXXX now after paying almost {$3000.00}. When asked why is it still the same customer service always says its the interest or late fees always making up non sense. Loan was originally signed for XXXX XXXX and during the pandemic they changed the duration with my knowledge but its been XXXX XXXX since loan was opened and i still have XXXX XXXX of loan payments to do which makes no sense.

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 2021-11-25
Company: CITIBANK, N.A.
State: GA
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: Investigation took more than 30 days

Complaint:
I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. I want an answer 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 explanation
Consumer complaint received 2016-10-31
Company: Navient Solutions, LLC.
State: RI
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint:
I have asked Navient ( formerly XXXX XXXX ) to grant some sort of physical hardship delay or understand that I have had multiple XXXX since I graduated. The requests have been denied over and over and now Navient is telling us they are moving the load to a debt collector. I am unemployed with a XXXX year old child to care for, they do not care and simply keep calling for payment when we 've explained it 's not possible. I have no options according to Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-24
Company: ERC
State: MN
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I got cable TV and internet services From XXXX about a year ago. We verbally agreed on the monthly bills which included the severvices and the rental of modem. They told me that the bill will never change. I set up automatic payments from my account. I hardly even looked at the bills, In XX/XX/XXXX, the bill was raised from {$77.00} to {$93.00} with no notification or reasons given. I did not complain then a few weeks ago I got a mail from XXXX dated XXXX XXXX 2015, they wrote that they have not been billing me for modem rental and so my bill will go up by {$10.00} plus applicable fees and taxes. Few days later I got a mail from Enhanced Recovery Company , LLC dated XXXX XXXX 2015, claiming that my balance with XXXX remains umpaid and my account has been place with them to recover the sum of {$970.00}. Nothing was written as to what that amount was for. I have received no bill from XXXX for anything in this amount. all my bills were autopaid untill I deactivated my autopay on XXXX XXXX 2015 because I intend to stop the service and get internet from another provider. I called XXXX and told them about my intentions on the same day.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26
Company: EQUIFAX, INC.
State: FL
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:
I would like to report about identity theft because I am victim of identity theft. So this happened with me first time and I do not know what to do actually. I just want to ask for your support and that you can investigate this situation and I hope you will remove them from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-10
Company: First Data Corporation
State: WI
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I received a notification from TRS Recovery Services, INC. of a Notice of Unpaid Electronic Transfer. The date of the transaction was supposedly XXXX/XXXX/XXXX. It shows a check number of XXXX and a Stop Payment. Reference number XXXX. This is supposed to be with XXXX for {$400.00} I did not conduct any business with XXXX on the XXXX of XXXX XXXX. I have not made or attempted to make a purchase for that amount with XXXX. I do not write checks to XXXX if I shop there. This appears to be a fraud. 

XXXX did not contact me directly. This letter simply arrived in XXXX, XXXX. There are no supporting documents of any transaction. 

I downloaded a dispute form from the company and that form is highly questionable. It asks for bank routing numbers, drivers license and social security number. This is highly inappropriate. 

Reviewed my checks written and credit card statements. Nothing. 

If there is a problem, it is with someone else.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30
Company: WELLS FARGO & COMPANY
State: GA
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 recently went over my credit report, and I noticed that there are payments that are being reported as late. In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b, a creditor may not treat a payment on a credit card account under an open end credit plan as late for any purpose.

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 2022-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
i was young and didnt know anything about credit. when i checked my credit report i noticed i was a victim of idenity theft. there are accounts that i never opened. i do not understand how this was even able to happen. i have a fraud accounts : XXXX XXXX XXXX  # XXXX {$730.00} ( ive never had XXXX and XXXX is no longer in business ) XXXX XXXX XXXX # XXXX {$660.00} ( ive never stayed in florida a day in my life ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1500.00} ( i never stayed in florida ) . 15

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 2021-07-26
Company: Santander Consumer USA Holdings Inc.
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
On XX/XX/XXXX I wrote a letter to CEO of Santander asking for late payments to be removed that occurred during the pandemic. I pleaded with Santander to remove late payments from XXXX and XXXX of XXXX. I would truly like all late payments to be removed from XX/XX/XXXX - XX/XX/XXXX ; however I know that, that's a stretch so I'm only requesting removal for XXXX, XX/XX/XXXX and XX/XX/XXXX. Santander has not mailed nor contacted me by phone to work with me and get these late payments removed. I have had this account for quite sometime now and you would think they would honor this request due to unforeseen circumstances that caused me to be in this situation in the first place. Santander sends me letters all the time asking how they can help me and now as they can see I am on track and this is their way of helping me move forward in my future endeavors to create stability for my family. Attached is the letter that was sent to the CEO pleading for those late payments to be removed. I really hope that Santander would honor this request of a faithful consumer of their company. This complaint is only being filed and desperate need for a response and to please work with me. 

Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-08
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
I had a company make a withdrawal from my checking account and they had already been paid from another one of my hunington bank accounts called in to stop the process but was told I was to late and that I need to file a dispute I did I submitted all the documents contacted the company they agreed that the was and error on their behalf agreed to return the funds minus the over draft fees and my dispute included a all overdraft fees associated with this transaction I was lied to by hunington every rep I spoke to told a different story I just want my money back from XXXX XXXX XXXX transaction in the amount of XXXX plust all fees

Company response to consumer: Closed
Consumer complaint received 2015-04-28
Company: HUNTINGTON NATIONAL BANK, THE
State: IN
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I am owed a refund for a " Gap Insurance '' that was attached to my auto loan. I cancelled the policy in XX/XX/XXXX. The reimbursement process was that the dealership provide paperwork to the underwriter, the underwriter would issue a check for the unused portion of the policy to the lending institution, the lending institution would then forward that pro-rated refund to me. Steps A and B went quickly and smoothly. Step C ( delivery of my refund ) has been almost 3 months of aggravation in the form of unreturned phone calls, customer service reps with no backing from supervisors, XXXX checks " lost in the mail, '' and now, today a promise of a Thursday XX/XX/XXXX delivery to my work office via XXXX. If the situation had been reversed, I expect they would have garnished my wages by now!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26
Company: TRANSWORLD SYSTEMS INC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter from Transworld Systems Inc. attempting to collect a debt on behalf of XXXX XXXX. The account # listed is XXXX. I do not owe anyone and don't want my credit report affected negatively. I am in the final stage of XXXX XXXX awaiting a XXXX I've been living with my family for years due to illness, this is not my account. Please cease attempting to collect any amounts from me. This is the first I've seen anything from these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-21
Company: Santander Consumer USA Holdings Inc.
State: MO
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
Had a card loan with Santander Consumer Usa Inc . I default on the loan and they repossessed the car without court order and also filed an claim against my insurance company for damages the vendor made to the car and Manager XXXX admitted the fault for the false claim by agreeing to credit the Account. Since speaking with XXXX my number had been block from Santander. They are blocking me and preventing me for trying to clear up the debt by refusing communication with me, they refusing to send my payment history because I explain to them it has been times where I double paid on my loan in one month and they applied one payment to principle and the other to interested which cause for my next month payment I paid in advance late and charge fees and had to do a deferred and they are refusing to send my that account history. I am request for them to relieve me of the debt since they are block all communications from me. Every new number I find to reach them, they block me from that number, but they want to continue to report the information to my credit report, to me that do n't make no sense, they are abusing my credit report and not following collections act laws set forth in Texas and the United States

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-04-27
Company: Credit Protection Association, L.P.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I recently discovered tha t Credit Protection association has decided to report on my credit report and attempting to collect the same debt twice. They  are misrepresenting the balance to double the actual amount. I have  one  debt with them for {$280.00} and they are reporting I owe them {$570.00}, by adding a second account that does not exist. They recently did this after we disagreed on the account details. It 's absolutely insane that they are retaliating by adding an extra non-existent debt to my credit record as a way to retaliate against me. This is unacceptable. I am attaching a screenshot of the double reporting. How convenient that they decided to report this recently.

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 2022-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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: Investigation took more than 30 days

Complaint:
This is a follow up to previous dispute of the unverified negative items on my credit report. On XX/XX/2022, I mailed Transunion a letter disputing XXXXaccounts as erroneous ascertified mail with return receipt requested. I received notification that Transunion had received the dispute letter in the mail onXXXX. I have not received a response from your company as of XX/XX/2022. In accordance with Section 611 ( a ) ( 5 ) of the Fair Credit Reporting Act, you have 30 days to investigate disputes. You must delete all disputed accounts from my report if you are unable to verify the information within the XXXX-day time frame permitted by federal law. The disputed and unverified accounts must immediately be deleted. Failure to do so could result in a {$1000.00} fine per item that is not removed. 

In accordance with federal laws, a Consumer Reporting Agencies shall only furnish information in accordance with the verbal or written consent of the consumer to whom it relates. Reporting a consumer 's personal or financial information without prior consent is a direct violation of 15 U.S.C 1681 ( a ) ( 4 ) and is a violation of 18 U.S.C 1028A.

I have enclosed the original letter Outlining the disputed accounts. 

Since I am prepared to pursue this matter in Federal Court, if I do not receive formal notices that these unverified accounts have been removed, I will file a lawsuit for identity theft, invasion and deprivation of privacy, defamation of character, and for impermissible purposes. Please be advised that as part of the legal proceedings, I will be seeking monetary damages for the numerous violations committed against me, the consumer, a natural living person. These compensations are non-negotiable as I have already given you the opportunity to remedy this matter. I'd like you to send me a free updated copy of my new credit report after you've removed these account ( s ). 

Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-25
Company: Navient Solutions, LLC.
State: LA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
The Consumer Financial Protection Bureau responded and acted on my complaint immediately. Navient responded with an action, but it was minimal and did not take care of the main issue. A policy change that is ethical and fair for divorced consumers with consolidated loans must be made. 

Many years ago, when Navient was still XXXX XXXX my ( then ) husband and I consolidated our loans. At the beginning of our marriage it did n't occur to us that a divorce may be looming in our future. It did. I have been requesting that our consolidated loan be separated, per the divorce decree since we divorced many years ago. They refuse. I am very kindly asking for CFPB to put pressure on this corporation by calling them, writing them, and asking them to correct this policy. If Navient is willing to allow married couples to consolidate loans then they should have a contingency plan and policy in place for those that divorce ; especially if the divorced party has a court decree stating that the loan amount be separated. This refusal by Navient seems unethical on many levels. One human should not be responsible for another human 's debt, which I am because of Navient. XXXX ( ex-husband ) XXXX initially chose to be a deadbeat dad, and is currently being garnished for child support payments. He refuses to pay his part of the loan, leaving me carrying the weight of his debt becasue I want good credit. Now, as a single mom, a XXXX, daughter of a deceased veteran, and an honorable citizen that votes and pay taxes, I am left struggling because of a debt I am having to pay for another individual that refuses to be honorable. I am also in XXXX XXXX trying to further my XXXX career. Navient refuses to allow me to defer my loan payments even as a XXXX at XXXX because my ex-husband and I have this loan together. Yet they refuse to rewrite the loans. This is an injustice to many divorced people in this situation. Please hear my request and demand Navient to make an amendment to their consolidation policy for divorced couples. ***I want them to defer my loan while I am a XXXX especially since I am the only one paying the debt. *** The ex-husband refuses to pay his part, and I have proof, and have sent that proof to Navient to no avail. Thank you for your time and help in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-27
Company: EQUIFAX, INC.
State: CA
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:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation