BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-17
Company: Mr. Cooper Group Inc.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Nationstar Mortgage Holdings, Inc ( dba Mr Cooper ) purchased my Mortgage from XXXX  XXXX XXXX. 

During the pandemic, I took the option of a loan forbearance offered by 'Mr Cooper '. 

9 days prior to the end of the Forbearance period, they instructed another company - 'XXXX  XXXX XXXX XXXX XXXX - to enter on to my property, drill holes into my house and attached a lock box to prevent my access. 

I instructed Mr Cooper for my payments to resume on completion of the forbearance period, but they have ignored those repeated instructions. 

I have been in constant contact through their XXXX XXXX XXXX ( @ XXXX ) requesting to resume payment following the Forbearance. They stopped responding some time back. 

I've also tried through the secure massage system on the website, and also to each of XXXX, XXXX, and XXXX via emails to confirm the resumption of my monthly payments. 

I have also repeatedly requested Mr Cooper and XXXX XXXX XXXX to to remove the lockbox and repair the damage from the drilling. Mr Cooper says that's the responsibility of XXXX XXXX XXXX, and XXXX XXXX XXXX are saying they're just doing as ordered by Mr Cooper. 

I have the dated letters from XXXX XXXX XXXX and screenshots from the Mr Cooper portal for the Forbearance periods where they send people to lock up my house during that agreed period. 

I'm still waiting to resume my repayments as Mr Cooper won't respond to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-25
Company: JPMORGAN CHASE & CO.
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for refinancing ( with cash-out ) of an existing mortgage that I had held for 15 years ( of which 12 were with Chase ) in XXXX and was rejected because " Chase 's lending guidelines only allow up to 75 % of LTV.. '' This seemed to me odd since, to my mind, I had a 30-year mortgage and I had never missed a payment and the value of my property had not in any way declined. On further enquiry it emerged that Chase had in its possession a Loan Modification Agreement that I had never seen ( but was supposedly signed by me ), on a day that was 3 weeks into my 8 week hospitalization in intensive care, was not notarized, was not witnessed by anyone who was identifiable, but extended the maturity date of the original loan by 12 years while reducing the monthly interest and principal payments by a whopping XXXX cents a month or XXXX cents a year. The original mortgage was a XXXX loan that Chase acquired in XXXX and it had a rate and payment caps meaning that it was a negative amortization loan. These loans were apparently banned for homeowners by Dodd-Frank in XXXX thus the need to " modify the loans '' to enable Chase to continue service them. Chase 's response to my complaints has been curt : Chase does not require notarization for loan modification agreements and the " signature on the loan modification agreement appears to match those on the original loan document. '' I feel totally helpless because Chase chose to " waive '' notarization of the Loan Modification Agreement which would have been the only way that both lender and borrower could prove that they entered into this agreement willingly and knowingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07
Company: REGIONS FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
My card was supposedly used at an ATM withdrawing all of my funds less than thirty minutes prior to me trying to use the card myself at another ATM. It must have been a duplicate card because my card was zipped inside of my backpack as I was on my way to a different ATM than the one that was used to withdraw the funds. I immediately called to report the fraudulent withdrawal and cancel the card on XXXX XXXX, 2022 but Comdata did not provide a case number and said I had to wait 21 days to get one. However, having disputed with a different institution I knew that didn't sound right so after calling back on the XXXX to see if there was a case number I found out they hadn't submitted the claim and had to XXXX search their online access to submit the dispute myself but their website did not generate a case number either. I informed them of Regulation E guidelines but they said that they don't provide provisional credit and that they have their own policy. I also asked for a card with a chip for added security in case the card was skimmed or something, but I had only used it twice prior as a credit transaction so it's unlikely since they said a pin was used. The withdrawal was for over {$150.00} on XXXX XXXX, 2022.

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 monetary relief
Consumer complaint received 2017-12-28
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
On or about XXXX 2003, I attended " Financial Aid '' assistance programs at University of XXXX XXXX. We were pushed to secure high cost " private loans '' through XXXX  XXXX/Navient and was led to believe that we would get high paying jobs. I distinctively remember that they touted salaries of {$100000.00} for starting graduates. The very first year, the student loan amount was small, but every year the loan amount required to pay for the year nearly doubled. The student loans show this progressive allocation of increased costs per year. 

Fast forward after graduation, my Private Student loan payment was nearly {$1500.00} a month. My initial bi-weekly net pay with my {$36000.00} year job was approximately {$1100.00}. Since then, I have lived a nightmare of having {$170000.00} of private student loan debt with no ability to pay it without leaving in a homeless shelter. I still do n't have a six-figure job! 

I have made every effort to work with Navient with these student loans and they continue to call me frequently and aggressively state that they will seize my assets, garnish my wages and put a lien on my house. I live in constant fear that I can not live a normal life based on the sizable burden of debt on myself. 

No company in their right mind should give a XXXX year old student six figures of student loan debt. It is single-handly the worse decision I ever made in my life. I pray that the CFPB can stop this practice and give our next generation a more secure life. I am asking for CFPB 's assistance to make Navient aware that they gave a loan out that no one could afford and come up with a rational solution so I can live my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07
Company: SYNCHRONY FINANCIAL
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
I have 2 cards with synchrony bank. One is a store Brandsmart Card and the other is Care Credit for medical. Wither respect to my store card initially received XXXX credit limit while making appliance purchases. I made on time payments and within 1 year with my balance @ XXXX this company randomly decreased my credit limit to XXXX which adversely affected my credit and made me incur additional high interest fees with them making my account over the limit. The same happened with the care card. I used it during the pandemic to offset my wife medical bills and was paying on time then the credit limit randomly dropped by XXXX and put me over the limit and I have to pay additional interest fees because of it. Its a shame that while so many creditors were helping consumers during the pandemic, synchrony chose predatory practices detrimental to consumers.

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 2018-01-19
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX and XX/XX/XXXX, I sent Portfolio Recovery Associates a letter for debt validation asking for specific items to verify that the account was mine. Porfolio Recovery responded back on XX/XX/XXXX with a credit card statement and says that it establish validity. The account that they referenced was proven invalid through the dispute process in XX/XX/XXXX and was removed from my credit report. Portfolio Recovery is attempting to extort money from me through mail fraud. Portfolio Recovery did not send me the item I requested to prove validity of the debt that I requested. This account does not belong to me and I am demanding the removal of this invalid debt. This fraudulent account is damaging my reputation with new creditors and preventing me from obtaining credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-25
Company: CMRE Financial Services, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XX/XX/2019 date of notice received by mail from CMRE Financial Services Inc. 
XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX Fictional debt owed to a XXXX firm {$8.00}. Yes XXXX dollars and XXXX XXXX cents.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-09
Company: Ocwen Financial Corporation
State: WI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Payment issues with PHH mortgage. There stating were months behind and I have proof that payments have been made. I believe they have not applied payment appropriately and they are and have been giving us the run around now they have disabled my online account and Im unable to see my account and payment history. Also they will not let me make a payment on my loan. We have been told and emailed so many lies that I am wanting to pursue a lawsuit. I would not recommend this company to anyone Ive gone thru sleepless nights and medical issues related to all this besides our credit. They will not hear the end of me until they get what they deserve another lawsuit

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-07
Company: Experian Information Solutions Inc.
State: PA
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 reached out to XXXX XXXX and reported the debt as fraudulent. I have also reported it to the police and provided me with a police report. But XXXX XXXX still fails to acknowledge the police report. I had reported this Experian many times and Experian does not comply.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Credit inquiries on your report that you don't recognize

Complaint:
I noticed unauthorized and fraudulent credit inquiries made by the following companies : 1. XXXX XXXX XXXX on XX/XX/2019

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 2022-03-07
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
For your consideration, All three credit bureaus have incorrect information listed on my credit report pertaining to previous employers. Unfortunately, there are hidden and unfair forms of stigma and discrimination in society one of which involves black box algorithms which filter according to categories such as names of previous employers.

Such black box algorithms are hidden forms of stigma and discrimination on the part of lenders and other companies reviewing my credit. To protect my right to privacy from these and other unethical forms of practice until these come under greater regulatory scrutiny please remove from all of my credit reports mention of previous employers in accordance with the Fair Credit Reporting Act.

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 States a consumer reporting agency can not furnish an account with my written instructions which none of the three major credit reporting agencies have obtained from 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 2017-12-28
Company: AES/PHEAA
State: VA
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:
My employment information was provided on XXXX XXXX, XXXX and successfully documented my Public Service for qualification for the Public Service Loan Forgiveness Program. 

My loan records will demonstrate that I have faithfully made payments to my student loans for more than 20 years and have been denied the forgiveness of XXXX XXXX as well as the US Department of Education and Federal Student Aid. 
1. These student loans qualified for the program originally ( and XXXX servicing later consolidated these loans ). 
2. I made payments on time each month toward my student loans. 
3. I notified my servicing provider that I was in public service and was NEVER TOLD that these payments were not qualifying due to some sort of an issue with the consolidation. 
4. My employment information was provided on XXXX XXXX, XXXX and successfully documented my Public Service. 

XXXX refuses to pay off my student loans and my current balance is {$10000.00}. The U.S. Department of Education and Federal Student Aid  refuses to assist to resolve this dispute. 

Your assistance in resolving this is greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: MI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
This is my third complaint but after talking to an attorney I need this to be looked into. Again it said on the last couple of bills that are sent monthly that I was enrolled in a loss mitigation program it said I was in a repayment program the date of that bill was XX/XX/2022 my house was sold at auction 6 days later on XX/XX/2022. If this was somehow a mistake as you are not supposed to sell the house while in a loss mitigation plan then you took away my rights to try to do something with many of the programs available then that are not after the sale so if this was a mistake how are you going to remedy it or if you meant what you did having me in and thinking I was in a loss mitigation program that is called dual tracking and is not allowed. Also there may be another problem coming as I asked for a copy of the sheriffs deed from XXXX law and boy were they mad did not really want to do it and were questioning me why they said they would have it in their possession by XX/XX/2022 and finally agreed to send it to me when they got it, today is XX/XX/2022 that is when I asked for it. I will say talking to people in the legal field really helped and I will continue now that I they are willing to help me. I also hope that the CFPB will take the time to look into this and or pass them along to an agency ( XXXX ) who will THANK YOU FOR BEING THERE!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! AND I WILL ASK THE CONSUMER FINANCIAL PROTECTION BUREAU AGAIN TO PLEASE LOOK INTO MY COMPLAINTS I AM BEGGING YOU.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-28
Company: JPMORGAN CHASE & CO.
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:
To Whom It May Concern/ XXXX XXXX (CEO and President)



I am writing this complaint because you did not promptly deleted the info that I had disputed due to identity theft. 

You failed to comply with law that you are required under Fair Credit Reporting Act (FCRA). 


I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction(s) that I have made. It is the result of alleged identity theft.

CHASE- XXXX XXXX 
ACC# XXXX
Reason: Identity Theft

I am hereby notifying that you are inaccurately and falsely reporting the above account  which constitutes violations of the Act and of my demand that you remedy such violation within five (04) calendar days from your receipt of this complaint. 

This account has been previously been disputed and you did not deleted required under FCRA. 


You are inaccurately and incompletely furnishing information regarding the above-referenced account to the Credit Reporting Agencies in violation of the reporting requirements of the FCRA, Section 623, Responsibilities of Furnishers of Information, and for which you are responsible. 

THIS LETTER serves as the formal notice of my intent to file a lawsuit against you in court, due to your failure of correcting/deleting the account above. 


Your failure to correct or fix this issue will prompt me to pursue my legal rights under 15USC Section 1681n or 1681o of the Fair Credit Reporting Act (hereinafter referred to as “FCRA”), “Civil liability for willful noncompliance.” Your company may be liable for:


-	Any actual damages I sustain due to your failure to delete this item;
-	Cost of court action in order to have the item deleted;
-	Punitive damages as the court may allow; 


XXXX v Chase Manhattan, 2002 provides a cause of action for individuals against furnishers of information. I would prefer not to use the courts to resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10
Company: TMX Finance LLC
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Struggling to pay your loan

Complaint:
I'm not the smartest man. Titlemax told me to make payments and I did. Now, after making the XXXX monthly payment their app said to make, they are telling me I have to pay XXXX now or they will take my car. I asked the employee that called me if there was anything I could do. She told me they can only help if I pay the amount. I don't have XXXX dollars to renew the loan. I thought XXXX a month was my payment. I can afford that. I can't afford to pay XXXX to extend a loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-06
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX, my husband deposited two checks into a joint account we have togther, one was overage from a title company and one personal check. Both checks were held for review ( not out of the ordinary ) so we waited. On XX/XX/XXXX, my husband tried to login to our bank account and gets a notification that the account has been frozen, not allowing us to withdraw funds. He called USAA to find out what the matter is and he is told the checks were being held for review and that the process takes 3 days and to wait till Monday for it to clear. He call Monday XX/XX/XXXX, account is still frozen, told to just wait longer. I also called, and they would not give me any information about how long we would be without funds and said that it was with the fraud department. Call XX/XX/XXXX, told to just wait longer. Keep in mind, the two checks aren't the only funds being held, it's all of his funds. Why is all of my funds being frozen if they were investigating the checks? Also, if they were investigating, why didn't they contact me? Why did I have to contact them to find out this information? Still awaiting resolution to this, and as of right now, we don't have any ability to take out money from my bank. They have given us no information as to what can be done to resolve this, and on top of that they keep saying they are investigating " attempted fraud '' which is downright insulting that they would automatically assume my husband was committing fraud, before a full investigation. 

My wife and I have been taking turns calling up USAA to get our account unfrozen. I doubt this will hasten the account to be unfrozen but it is cathartic to vent. Although both checks have cleared into our account, we are unable to access $ XXXX of our own money!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-07
Company: Ocwen Financial Corporation
State: AZ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Ocwen was notified XXXX of enrollment in AZ XXXX XXXX XXXX program. 
Ocwen never recognized participation in program. 
Payments received from the AZ XXXX XXXX were improperly applied to my account. XXXX XXXX Requests were made about alternative options to assist me from losing home XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX with no response. 
XXXX XXXX was sent and received XXXX XXXX XXXX House was placed on trustee sale XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX. 
I was notified XXXX/XXXX/XXXX approved for loan modification I was informed XXXX/XXXX/XXXX of lien and need to remove prior to XXXX/XXXX/XXXX. 
Loan modification was denied XXXX/XXXX/XXXX because of lien. 
Relationship XXXX was asked about sale date and foreclosure status for XXXX/XXXX/XXXX was told no current sale date and foreclosure was on hold.

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 2022-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Their investigation did not fix an error on your report

Complaint:
The account listed below was opened fraudulently without my consent and it is against consumer law to report fraudulent accounts. 


TransUnion Fraudulent Account XXXX XXXX XXXX Account # 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