BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-27
Company: JPMORGAN CHASE & CO.
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
i applied for a home loan through Chase mortgage. When doing so, they advised there was a {$500.00} fee to apply, which i paid via credit card, to cover expenses like appraisal, etc. All documentation was provided and an appraisal was ordered and completed. On XX/XX/XXXX, i began calling and texting in their chat window regarding questions about the refinance, rates and costs. I called several times and have 3 documented attempts via their chat function to ask these questions. They never returned a call nor answered any of the texts. At that point, i had to find a new lender because I had no idea of the status nor anything else regarding the rates and fees. i obtained a new lender and they advised we would transfer the appraisal to them, which i was fine with. Chase refused to transfer the appraisal. I then requested my {$500.00} back because they refused to help me with questions and would not allow me to use what i was paying for. They have also refused to return the {$500.00}. So they get {$500.00} from a potential customer, refuse to answer their questions, and then refuse to release the product they are supposedly paying for. Sounds like a scam from Chase and they should be reprimanded severely. I guarantee this is not the first nor the last time this will happen.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-12-06
Company: AES/PHEAA
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
Have been trying to figure out how my loan payment went up and my income went down {$10000.00}. Was told they can not give me the income amount they based my monthly loan payment on because its a rule from the department of education. makes no sense at all. they verify over the phone all my personal information etc. so why are they not telling me what they based my payment on. I also tried loan forgiveness due to XXXX university holding my degree for 8 months and by the time they released it i was too old to get a job in the field i had a degree in. It was XXXX  mistake and i even have an email stating that it was and how sorry they were. How is loan forgiveness supposed to work when the people who decide are saying no because they are the ones getting our money. makes no sense at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-21
Company: NATIONSTAR MORTGAGE LLC
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
XXXX XXXX XXXX - borrower/client. 
Original loan secured and closed in XXXX XXXX. XXXX XXXX financial crisis hit and applied for a modification in XXXX time frame. Took XXXX years since the lender was XXXX XXXX XXXX XXXX XXXX XXXX They were enmeshed in the meltdown and their own bankruptcy. After XXXX years mortgage was sold to Nationstar - XXXX more months of paperwork modification was approved. They simply tacked on the interest accrual of the payments not paid for the previous XXXX years due to their DEMAND no mortgage payments to be made during their XXXX years of time needed to make a decision - repeatedly asking for the same paperwork over and over and then losing it. '' Nationstar adjusted the rate to XXXX XXXX from XXXX XXXX - on a XXXX XXXX. All that did was recast the balance and the payments remained the same as they ADDED over XXXX of principal. I made the payments faithfully regardless of the fact that was ridiculous. 

I have never been late. In this past year XXXX what I did not realize is they were negatively amortizing the 'new adjusted interest increase ' they hit me with XXXX no notification of this ) - in XXXX and have been compounding and adding to the loan principal balance. In XXXX years I have paid faithfully and have NEVER been able to reduce the principal loan balance - in fact, it is HIGHER than I started out with in XXXX. 

I am not late now, but, I applied for them to modify this loan to meet reasonable terms and to comprehend this never ending cycle. The proven value of this property is only XXXX XXXX with a recent appraisal done and market has declined further, yet, I have been faithful in payments. 

After supplying them all my information - good credit - and income that can fully sustain the mortgage - they declined the request for no reason and gave me no basis of this. 

The XXXX XXXX term was up in XXXX - and the adjustment for that XXXX should have gone DOWN - not up. I am and was simply asking for reality in continuing to make reasonable payments while I wait for the market to improve and recover the value - that is STILL not there. 

XXXX XXXX put this in place. Nationstar has serviced the loan now for many years. They have not complied with legal requirements to adjust and or to discuss and give opportunity to remedy the loan and terms. XXXX was a major XXXX XXXX in the market during the meltdown and filed bankruptcy, relieving themselves of any and all debt - that they placed on consumers. 

I would and request this to be investigated. My phone number is XXXX or XXXX. My email is XXXXXXXXXXXX thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27
Company: Experian Information Solutions Inc.
State: FL
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:
My name is XXXX XXXX  this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-03-29
Company: EQUIFAX, INC.
State: NY
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:
FRAUDULENT ACCOUNTS XXXX ) XXXX XXXX  AMOUNT XXXX XXXXXXXX XXXX XXXX ) XXXX XXXX {$320.00} DATE XX/XX/XXXX FRAUDULENT INQUIRIES XXXX ) XXXX XXXXXXXX XX/XX/XXXX XXXX ) XXXX  XXXX XX/XX/XXXX XXXX ) XXXX XXXX XX/XX/XXXX XXXX ) XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX ) XXXX XXXX XXXX XX/XX/XXXX XXXX ) XXXX XX/XX/XXXX XXXX ) XXXX XXXXXX/XX/XXXX XXXX ) XXXX XXXXXX/XX/XXXX XXXX ) XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX ) XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX ) XXXX XXXX XX/XX/XXXX XXXX ) XXXX XXXXXX/XX/XXXX XXXX ) XXXX XXXX XX/XX/XXXX XXXX ) XXXX XXXX XXXX XX/XX/XXXX XXXX ) XXXX XXXX XXXX XX/XX/XXXX XXXX ) XXXX XX/XX/XXXX XXXX ) XXXX XX/XX/XXXX XXXX ) XXXX XXXX  XX/XX/XXXX XXXX ) XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX ) XXXX XXXX XX/XX/XXXX XXXX ) XXXX XXXX XXXX XXXXXX/XX/XXXX INCORRECT ADDRESSES XXXX ) XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX NY XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX TX XXXX XXXX aacordance with the fair credit rereporting act These have violated my rights 15 U.S.C 1681 section 602 A. states i have the right to privacy.

15 U.S.C 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish a account without my written intructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26
Company: Experian Information Solutions 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:
The unauthorized inquiries indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these inquiries to be deleted ( A ). I will take legal action against you if you do not validate these inquiries. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXXXXXX XX/XX/2021

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 2022-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 


We've talked to the bank & they've agreed to remove the accounts. BUT TransUnion has some internal block which they're claiming they can use to not block the accounts because they feel they're above the law. When questioned why they're not accepting the police report they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the police report ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy... 
XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX Date Opened XXXX XX/XX/15 Balance : {$270000.00}, XXXX XXXX XXXX  XXXX Date Opened : XXXX Balance : {$25000.00}, XXXX XXXX XXXX XXXXXXXX XXXX Date XXXX Balance : {$24.00}

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 2023-03-27
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: Account information incorrect

Complaint:
I disputed the amount charged from XXXX on my credit report. The amount was paid in full on the XXXX  website. I sent a screenshot of my bank account statement showing it being paid to Experian and Experian denied it and will not update my report. I need help. I am tired of these credit reporting agencies getting it wrong. Where are my right?

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 2018-10-24
Company: SYNCHRONY FINANCIAL
State: DE
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On XX/XX/17, I spoke with XXXX id # XXXX to confirm if payment was received. He stated yes, so I asked why does it show my available credit is {$1100.00}, when payment was deducted electronically. He advised it was Subjective I asked why? He said there a 7 day hold to make sure they receive payment. I explained funds was deducted from my account and applied. He claimed it was notated on the statement but on the mobile account.

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 2023-05-08
Company: Experian Information Solutions Inc.
State: NY
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:
AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE XXXX XXXX XXXX XXXX XXXX LATE PAYMENT Balance details Paid off - Balance - Balance updated - Original balance {$2500.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Secured Loan Status Paid, Closed. 
Status updated XX/XX/XXXX Original balance {$2500.00} Monthly payment - Last payment date XX/XX/XXXX Contact info Address XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone number ( XXXX ) XXXX THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-18
Company: LoanCare, LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
In early XX/XX/2019, the XXXX XXXX was going to go through a XXXX. I received a call from LoanCar saying that LoanCare that because I am a XXXX XXXX, LoanCare offers me a break - and that I don't have to pay my mortgage for the next 90 days. I took the offer and when the 90 days ( 3 months ) were up, I thought that I would resume my regular monthly payment - but instead, I was asked to pay the total owed for the 3 months ... That was a shock to me. Then finally in XX/XX/2019, after I couldn't qualify for a loan modification, I entered in a re-payment plan with LoanCare starting with an initial payment of {$7900.00} and 5 additional payments of {$3700.00} that ended in XX/XX/2019 and resume my normal payment of {$2600.00} in XX/XX/2019. 

The first payment, {$7900.00} was made on XX/XX/2019 ( See attached bank statement pg 6 of 10 ). With  a due date on the XX/XX/XXXX of each month, all subsequent payments were made and received by LoanCare before the due date ( See attached proofs of payment from XXXX ) Despite having received all my payments, and despite numerous faxes of proof of payments directly from XXXX to LoanCare, LoamCare repeatedly denied receiving my money ( See attache mortgage statements from LoanCare ). I have contacted LoanCare numerous times. Each time, each representative gave me a different story. The last representative confirmed that they have never received payments for XXXX, XXXX and XX/XX/2019. I am so tired of this stupidity and the running around they gave me, I sold my home this past XX/XX/2019. I have requested LoanCare to give me a payoff statement by crediting all the payments I made. They didn't bother with the correction and charged me {$5000.00} and a late fee of {$470.00} I am filing this complaint because LoanCare 's failure to properly credit my account, incorrectly charged me {$5000.00} and late fee even though all payments were made on time. In addition, LoanCare repeatedly notified the credit bureau that my account is seriously delinquent or late. Consequently, my credit score dropped from the high 600 to about 400. 

I request your assistance and demand LoanCare to fix all these mistakes and refund the uncredited money and late fee to me - and notify the Credit Bureau that all prior reports were false and all payments were made on time. Before filing this complaint with you, I have also made several requests to Loancare but received no response ( see attached correspondence to LoanCare ) I don't understand LoanCare 's ill intent, but Loancare did the very same thing to my other account which you will be receiving another complaint from me. This whole thing is terrible. I lose a lot of time ... It stresses me out ... 

My contact is XXXX Tel. 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 2017-10-13
Company: NATIONSTAR MORTGAGE LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
We called the mortgage company and told them we were interested in a modification. At that time we had a scheduled sale date of XXXX XXXX, XXXX, which would have been in about XXXX days. They explained to us that they can not start a modification process, with a sale date that close, and said WE HAD TO SEND IN AN APPLICATION XXXX DAYS BEFORE NEXT SALE DATE. We went to the XXXX office and paid for XXXX adjournments ( XXXX days XXXX which pushed our new sale date to XXXX XXXX. 

We submitted the application on XXXX XXXX, XXXX, which is actually XXXX days before sale date, which falls WITHIN THEIR GUIDELINE. When we called for a status on the modification, we were told that they can not process because they had to get ALL DOCUMENTS in within the XXXX days. PLEASE NOTE, THIS IS NOT WHAT WE WERE TOLD. WE WERE TOLD TO SEND IN THE APPLICATION START THE PROCESS XXXX DAYS OUT, CAUSE IT TAKES XXXX DAYS TO PROCESS!!! How were we to know every single document they would request subsequent to starting the process? We went on their website, printed and signed the application, and sent in with the supporting documents. 

Now they are refusing to process our application, even though we did EVERYTHING they asked us to do, in the time they asked us to do it! 

IF THE BANK REP GAVE THE WRONG INFORMATION TO US, WHY IS THAT OUR FAULT??

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27
Company: KEYCORP
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I XXXX XXXX XXXX for my elderly mother, and one of them is a 4 family home that we secured a mortgage on with KeyBank. This winter, one of the tenants had a fire which destroyed her unit and caused some exterior damage and minor smoke damage to the other units. We contracted a company that specializes in fire damage, and a public adjuster to represent us with the insurance company. The repairs were completed over 2 months ago. We received a final payment for " recoverable depreciation for building damage '' that the insurance company held back until the repairs were completed, and we were given approvals by the local building inspector. The check was made payable to my mother, the public adjuster and the bank. I have been trying to get the bank to endorse the check for the past month and a half, and they keep putting one obstacle after another in front of me. The check was for {$21000.00} and is needed to pay off the adjuster for his services. No one at the bank seems to have any accountability or sense of urgency in resolving this issue. The most recent effort involved them sending an inspection company that they hired to ensure all the repairs have been completed. He was able to inspect the repaired unit, and all the common area hallways and stair wells. He claims that he was unable to inspect the occupied units, even though all 3 tenants claim they were home. He set up another time to go, I notified the tenants of the time, and they claim he never came. Then he asked if I would have the tenants send me pictures of each room in their units, which I did. Then I circled back with the bank to see if they would now release the endorsement. Then they claimed the inspection company would not sign off on anything until they had more pictures, pictures that the inspector should have had no issue getting each time he allegedly went there ( common areas and attic ). I am at my wits end trying to just close this matter up, and the bank doesn't seem to care about it one way or another. My most recent contact at the bank is a Ms. XXXX XXXX ( " Lead Specialist '' in the KeyBank corporate office claims department ( XXXX, phone : XXXX ) Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-11
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX Balance : {$300.00} ; XXXX XXXX XXXX Balance : {$23000.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$3300.00}.

Company response to consumer: In progress
Consumer complaint received 2023-05-08
Company: Experian Information Solutions Inc.
State: NY
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:
AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE XXXX XXXX XXXX XXXX 2 LATE PAYMENTS Balance details Paid off - Balance - Balance updated - Original balance {$2500.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Secured Loan Status Paid, Closed. 
Status updated XX/XX/XXXX Original balance {$2500.00} Monthly payment - Last payment date XX/XX/XXXX Contact info Address XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone number ( XXXX ) XXXX THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT

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