BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-11-29
Company: Shellpoint Partners, LLC
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
At the end of 2018 I applied to have my PMI dropped. I was told I needed to have an appraisal. I received my appraisal, which demonstrated I was below the 80 % loan to value required and asked them to drop my PMI again. I was told that they needed to have 65 % loan to value, because it was an investment property. I told them it was not an investment property, that it was a second home that my XXXX year old son ( with a XXXX XXXX XXXX and his caregiver ) lives in. It is not a rental property. And again I petitioned to drop the PMI. They refused.

I should not need to be paying mortgage insurance I've never missed a payment, I've never defaulted on a loan and I have two mortgages that are current and have always been current.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-06
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: Account status incorrect

Complaint:
I have traded my XXXX vehicle at XXXX XXXX XXXX on XX/XX/XXXX I gave the vehicle In as a trade for another. 
on XX/XX/XXXX I was advised they paid the car off in full but XXXX is reporting the vehicle 30 days past due and this information is inaccurate. Delete this delinquent activity as it is inaccurate and update all the major credit reporting agencies that reflect negatively as this is not true false and misleading.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2022-09-01
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
I went to Citibank on XX/XX/22 to deposit my 401k check of XXXX and a week later the check was never cleared in my bank account. I called Citibank customer service on XX/XX/22 and they informed me that they have no trace of the check being deposited and that they were going to open an investigation to see what happened. I called on Friday XX/XX/22 and they said they were still trying to communicate with branch that I deposited the check to and will call me back within the same day. At the end of that same day, I didn't received any calls so I called back and they said they are still waiting and recommended for me to fax a copy of my transaction receipt to fax # XXXX. No idea who this fax belongs to but when I called Citibank back on XX/XX/22 they said they never received the receipt that I faxed on XX/XX/22. On that same day, they said my only option left is to go to the branch where I deposited the check. Now, I live in Connecticut, XXXX hours away from this bank. I just started a new job and I had to take off today XX/XX/22 to go to this branch, bring in my transaction receipt to figure out what happened with the check that I need at this moment badly because I need a new car and been renting cars to get around. I went to the branch and all they said was that there is no records of the deposit in my account, that there is no records of the check and that there is nothing they can do except for me to contact my 401k office and have them re-issued the check. So where did the check go? The teller did confirmed I was there and the check was deposited on that day. So many questions unanswered and all they recommended was call the manager on Tuesday XX/XX/22 because he's on vacation. Now who is going to give back all the time and money I have taken to deal with this situation. Now I have to wait another 3-4wks to get the new check delivered to my apartment in Ny, need to rent a car for another month and then I will have to take another day off from work to go to NY and pick up and deposit the check. This is the worst experience I've ever had with a bank. A bank that I have been using for more than 5 years and a bank that I trusted on!

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 2022-09-01
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage was transfered from XXXX, to XXXX XXXX XXXX and then to ( my current ) Mr Cooper. On XX/XX/XXXX, I made XXXX XXXX payment to XXXX XXXX. I soon after received a notice that loan was being transferred to Mr Cooper and that payments made up to two weeks before XXXX would be forwarded to Mr Cooper. I tried to make a XX/XX/XXXX payment with Mr Cooper on XX/XX/XXXX but Mr Cooper said my account would not be set up until XX/XX/XXXX so I made the payment to XXXX XXXX  to avoid any late payment on XX/XX/XXXX. On XX/XX/XXXX I made my XX/XX/XXXX Payment to Mr Cooper. I was then notified that I had missed a payment ( the XX/XX/XXXX payment that went to XXXX XXXX ). I have called them at least 10 times to get this corrected I have exchanged several emails with them ( Mr Cooper ) I have sent them PDf from my bank checking account showing that they ( or XXXX XXXX ) got the money from my account. They agree that they got the money but THEY CAN '' T FIGURE OUT WHAT THEY DID WITH IT so they cant correct my account until they find they error.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-21
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
Chase is refusing to credit me for {$5600.00} in fraudulent uber charges to my credit card on uber accounts that are n't mine. I 've spent  over 10 hours  on hold and talking with various reps to try to get the charges refunded. I itemized all of the charges and reviewed them with the fraud department, they said they would be refunded by this past monday end of day. They refunded a  few hundred dolla rs of them, but are now ( Thurs ) claiming the charges are under review. I had originally reported a fraud transaction in  XXXX  when a charge looked off.  Chase as ked for proof from  XXXX , they provided a document showing that the charge was on a separate account from someone who was not me, but refused to refund the charge. I had my first child on  XXXX  and did n't have time to look into the matter until doing taxes. I thought it was a couple hundred dollars, but when I reviewed my yearly statement, over {$5600.00} in fraudulent charged had been made. They 're attempting to brush me off hoping that I give up and pay the charge so my credit wo n't be damaged.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have contacted the credit bureaus to asked them to do a good review of my credit reports to make sure all reporting to my credit is actually good, they did that, but i did research after they said they did and i found things that are not consistent and also things that does not belong to me. 
Account numbers XXXX, XXXX, XXXX, XXXX in accordance with the fair credit reporting act XXXX  the account numbers listed have violated my right 15.u.sc1681 section 602A. section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. I also read on a online information by a lawyer said the credit reporting agency have 30 days to respond or the accounts must be deleted from my credit report.

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 2017-04-21
Company: WELLS FARGO & COMPANY
State: IL
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Wells Fargo , whom we do not and never have held a mortgage with, erroneously paid our   XXXX     XXXX   XXXX   property taxes and is seeking reimbursement. I confirme d Wel  ls Fargo m ade the payments with the   XXXX   XXXX   XXXX   XXXX   XXXX  . On   XXXX    , a  Wells Fargo  Claims Processing Representative explained our tax ID # is similar to  one of Wells Fargo 's customers ( differs by a digit ), thus, Wells Fargo paid our property taxes in error. Based on internet research, Wells Fargo has made many errors in regards to property tax payments.

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 2021-04-08
Company: Shellpoint Partners, LLC
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
NewRez mortgage company has used predatory language and tactics seemingly in an effort to intimidate us and force late payment charges on us. 

On XXXX we contacted NewRez customer service to make the XX/XX/XXXX payment in XX/XX/XXXX. The representative, XXXX informed that he would need to turn off our automatic payment for a few days in order to make the payment early. He said that he would turn automatic payment back on in 4 ( four ) days. 
On XX/XX/XXXX we received an email from NewRez stating that we had missed two payments. That same day we logged on and made the payments. We called customer service and were told by XXXX that because earlier in the year we had responded to multiple NewRez emails regarding 'lowering our interest rate, ' the rep we spoke to, stopped our auto payment. We were told that was because we used the term, " Loan Modification ''. 
Later in XXXX, after we had made our loan current, we received a letter threatening foreclosure. We called ( XXXX ) and the rep was hostile, threatening to collect the debt and foreclose. She informed us that we would be reported to the credit bureaus and our credit would be damaged. It was frustrating, unnecessary and demeaning. We explained what we had been told by XXXX and then were told that a XXXX would get with us within 48 hours. No one called. We called back and the service rep was hostile again, reminding us that we owed a debt and they were collectors of debt! I asked for a XXXX. The XXXXXXXX said they would review the previous calls and I would have to call them back. They have made no effort to help. He also told me that our auto pay was still off even though we had logged in and turned in back on. We called again XX/XX/XXXX and spoke with a supervisor. The supervisor said that they were updating the report to the credit bureau. He also said that our auto payment showed to be 'on ' and working. 
Today, XXXX our payment should have auto paid. We checked and it did not. We called customer service. We were told that they could see that the auto payment was set to on but did not work today. We were also informed of 'past due ' penalties that have been charged for late payments. The late payments happened because NEWREZ is inept or their system does not work or worst of all, they are predatory.

This has been a horrible experience. NewRez has messed up our auto payment system, has treated us like criminals, and now they are charging us late charges. We always pay our mortgage payments. There was no advantage to us to skip or delay a payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-14
Company: Navient Solutions, LLC.
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
I was shocked when I reviewed my credit report and found several late payments on my student loans with the dates below : 180 days past due as of XX/XX/XXXX 150 days past due as of XX/XX/XXXX 120 days past due as of XX/XX/XXXX 90 days past due as of XX/XX/2013 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that this was supposed to be in deferment and it did not get processed correctly or the payments I sent in were not registered.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
Company: EdFinancial Services
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
On Wednesday, XX/XX/2022, I called & requested a refund from Edfinancial for payments I made toward my loans during the pandemic. I wasn't aware that was something I could do until that day -- otherwise, I would've requested a refund a long time ago. They notified me that it would take XXXX business days to process the refund, plus an additional 60-120 business days after processing approval to receive the refund itself & have the loan balance reinstated on my account. I am a pell grant recipient & am eligible for {$20000.00} in student loan forgiveness. Throughout the pandemic I made {$7900.00} in student loan payments. I actually stopped paying because I couldn't afford to keep making payments. I needed that money then & I especially need it now.

Other student loan servicers are quoting 4-6 weeks for refund timelines. Edfinancial seems to be the only one quoting us at 6-12 months to receive our refunds. I'm requesting the refund because I need my money now -- not in 6-12 months. Edfinancial also stated that they won't reinstate the money on our accounts until after the refund has been deposited to us. Additionally, they can not send us any confirmation email or record that they sent our refund requests. This raises many concerns for me. It appears they do not want to give us back our refunds at all. I don't expect to get my money back immediately. I understand they're overwhelmed, but not providing confirmation makes me feel like they don't intend to give me my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
Company: EQUIFAX, INC.
State: MN
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:
In accordance with the Fair Credit Reporting Act Equifax XXXX : XXXX XXXX XXXX, Account : XXXX, Creditor : XXXX XXXX XXXX XXXXXXXX, Account : XXXX has violated my rights 15 U.S.C 1681 section 602A states " i have the right to privacy '' 15 U.S.C 1681 section 604A section 2 states " A consumer reporting agency can not furnish an account without my written consent '' 15 U.S.C 6802B ( 1 ) ( B & C ) states ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; ( C ) the consumer is given an explanation of how the consumer can exercise that non disclosure option

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: Ocwen Financial Corporation
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
This complaint is against PHH Mortgage Services and its parent company, Ocwen Financial Corporation. 

In XX/XX/XXXX, a burst water pipe caused over {$100000.00} of damage to my home. 
My insurance company doesnt pay for all of the damages at once. They release claim funds in chunks. 
PHH Mortgage, as the lienholder, is required to be a party to the claim checks issued by the insurance company. 
For reasons that no one at PHH can explain, they are holding funds that have already been approved and released by the insurance company. 
XXXX XXXX has released 66 % of the funds. PHH has only released 42 % to me. 
PHH will not release any additional funds until my repairs are 80 % completed. 
No one at PHH can explain to me how I will be able to achieve 80 % completion with only 42 % of the money. Their only response is thats our process and we can not deviate from it. Every person I have spoken to says this. 
We have been living without a kitchen since XXXX, and more than 50 % of our main floor was damaged. 
PHH has an endless call center approach to customer service. There is only one number available for discussing insurance claim checks. You can not escape the call center, and they all read from the same script. 
PHHs website only has one toll-free number ( which also goes to a call center ). When I call that number, they transfer me to the same claim call center. 
PHH does not publicly list any names of the management team, or the names of anyone at their company, on their website. It is impossible to locate a reasonable human being that is willing to discuss the issue. 
The one name I could find elsewhere belongs to the CEO. I sent a letter and full documentation to PHH CEO XXXX XXXX on XX/XX/XXXX. He chose not to respond, or to have anyone else respond directly to me. Instead, I received a form letter which said that it will take 30 days to get a response from the claims department. No one in the claims department has the authority to resolve this matter. 
If my own mortgage company wasnt involved, we would have a family Thanksgiving in our own home. Because of PHH, we probably wont even be able to finish repairs before XXXX. It appears that they prefer we live in a damaged home indefinitely. 

PHH apparently only wants to communicate by either a call center outside the US, or by snail mail, which continues to lengthen the amount of time we are living in a damaged home.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
Equifax Follow my written instruction exactly by law enclosed in this dispute

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08
Company: EQUIFAX, INC.
State: MD
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 have been working to improve my credit since XXXX in order to qualify for a VA home loan. I have attempted several times to have the credit reporting companies to update two specific accounts, of the three major agencies, only XXXX XXXX has been keeping up to date. XXXX  and Equifax are both lagging. XXXX  has even denied a dispute despite having records of payment in full. I have been working with a lender and realtor who are helping me improve my score and as of XX/XX/XXXX, I have decided to start the process of buying a house. Nobody can do anything until these scores are updated. I was instructed to settle these specific accounts, as doing so, will boost me over the minimum qualifications for several loan originators. It takes mere hours for a negative report to show, but it can take over a month or more to show an improvement which is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
Company: Navient Solutions, LLC.
State: NY
Product: Debt collection
Sub-product: Federal student loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received a email from Navient to call regarding my student loans. the email stated that I qualify for 70 % of my student loans forgiven. I called the company, The Caller announced herself as a employee of XXXXNavient and proceed to tell me that if I paid off {$1500.00} I could get remaining balanced forgiven. I was in desperate need to move on with my life a get my loans forgiven from XXXX XXXX XXXX. I then made arrangements to do a payment arrangement to pay off this balance. I gave my bank account information to set up payments. The next day I received a call from Navient regarding the past due amount. I told the caller I had set up a payment arrangement with XXXXNavient, Navient by student loan servicer told me this company XXXXXXXXNavient was not association with my loans and the arrangement made was not valid to get 70 % loan disbursed. The have made a withdrawal from my bank and I have since had to close out my bank account that was associated with the withdrawals. They are still calling me from a XXXX number regarding the {$1500.00}. I have even received mail form this company about my student loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08
Company: Experian Information Solutions Inc.
State: TN
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:
I mailed a letter requesting an investigation about questionable accounts on my credit report. I received investigation results saying that the account was accurate so I decided to follow up with the creditor. The creditor sent me a letter saying that they could not locate the account. I then mailed your company back and forwarded this information to you asking for a deletion because they couldn't have verified it if the creditor can't locate the account. However, it has been almost 4 months and this account still remains on my credit report.

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