BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-04
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX took over the loan on XX/XX/XXXX, my account wasn't behind. They sent a welcoming letter sayin to begin making payments. They were aware of the balloon payment. They were also aware of my XXXX XXXX XXXX 's death. They received payments until XX/XX/XXXX and the ending balance then was {$28000.00}. XXXX was asked about a payment history repeatedly ( as was XXXX ). Once asked, Rushmore began foreclosure procedures. That's when a XXXX XXXX XXXX took over. After the foreclosure was stopped, XXXX XXXX and I went to court. Judge XXXX advised XXXX and XXXX to get with their clients and see who the rightful servicer of the loan was. After court, Rushmore sent a letter dated XX/XX/XXXX saying that they wowuld get back with us regarding the rightful services. We didn't hear back from them until XX/XX/XXXX, saying that XXXX XXXX was the servicer of the loan. XXXX XXXX are the same ones that purchased at foreclosure after XXXX said that they bought it at foreclosure. They were contradicting each other as to who was the servicer, but I had been making payments to XXXX. 
When any inquiries were made, the constantly continued to change not only attorneys but also contact information for them. They continued to put the case off. 
Their new attorney, XXXX XXXX XXXX, in not including pertinent documentation relevant to this case. 
Such as my payment history and the agreement for me to continue making payments despite the balloon payment. At no point was a I given a mediator or allowed a redemption period. 

I've been an occupant for 20 years. Not only was I an occupant, I had a Deed plus I had special dual power of attorney. I had an ownership card in the property assessor 's office and making payments on the loan # XXXX with XXXX & XXXX. As both companies agreed with me to pay off the loan. 

They are changing attorneys so fast and selling my loan to the point that it is nearly impossible for me to keep up with the filings. I have constantly checked the court house records because I haven't been receiving information on a timely manner. For example, I had to purchase the recent court document on XX/XX/XXXX from the courthouse and a week later I received the original in the mail. 

I am asking them to provide a run down on were my money was going because I've been paying on the principal and interest. 

I tried paying off sooner with a new loan but I was never given a payoff and the longer I inquired the longer it took for them to respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-30
Company: JPMORGAN CHASE & CO.
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: Credit inquiries on your report that you don't recognize

Complaint:
I have two inquiries on my XXXX credit report by the following companies ; 1. XXXX XXXX XXXX on XX/XX/2018 2. XXXX XXXX XXXX XXXX. on XX/XX/2018. 

I do not recognize any of this inquiries and I am therefore disputing them with XXXX and Chase and XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-06
Company: CITIBANK, N.A.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
On XX/XX/XXXX I applied for the Citi Premier credit card online. 

After I submitted the application I received a message denying the my request. 

I have a excellent credit score of XXXX. 

I have a checking, savings account with Citibank. I have been a loyal customer and this is how I get treated. I will be closing my accounts and taking my money elsewhere if this how they treat CitiGold clients.

I tried to call the reconsideration phone number only to be told you will receive a letter saying why we can not approve this credit card. They would not look at the application or ask further questions to " reconsider '' as that is the purpose the phone number. 

The application number is 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 2018-09-17
Company: Navient Solutions, LLC.
State: IN
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
To whom it may concern : I co-signed on a XXXX XXXX and XXXX in which payments were to begin payment XX/XX/XXXX XXXX Navient ). The borrower and I filed bankruptcy ealier in XX/XX/XXXX ( When we filed we were informed student loans could not be included in the bankruptcy. The borrower had the loan in forbearance which was to end XX/XX/XXXX. He tried to make a payment and the Navient website would not accept the payment until the forbearance was complete. A payment was tried again on the navient website on XX/XX/XXXX. it would not accept payment again because Navient had put the loan in administrative forbearance. The orginal loan amount was {$15000.00}. The loan amount as of XX/XX/XXXX is {$28000.00} dut to interest. While Navient has put this loan in forbearance without my or the cosigners permission interest continues to accrue and have negative impact on my credit report/score. On XX/XX/XXXX on a phone call with Navient they directed me to the following website ecf.txsb.uscourts.com. They stated this loan may have been placed in Administrative forbearance due to a pending lawsuit. I sent an email to an email address listed on this website ( XXXX ) on XX/XX/XXXX as Navient would give me no information on this lawsuit. The supervisor from Navient stated they could give me no information on this lawsuit. She also state an email was sent in XX/XX/XXXX ; when I go back in my records there is no email from Navient in XXXX of XXXX. I am just trying to get my name off of this student loan and XXXX of Navient 's stipulations for a co-signer release is the Primary borrower needs to make XXXX consecutive payments. This makes it difficult to make 12 monthly payments if Navient has the loan in Administrative Forbearance. Any guidance would be greatly appreciated. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-28
Company: JPMORGAN CHASE & CO.
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Back in XX/XX/XXXX, my husband and I got in touch with Chase Bank via telephone to inquire and see if we would be eligible to cancel our private mortgage insurance. When we initially signed our loan documents with our mortgage lender back on XX/XX/XXXX, the terms of the loan were that we had the right to request the PMI be canceled once the principal balance reaches 80 % of the original value of the property ( please see attached document labeled PMI ). With the updates we have done on our home and the market in our area, we believed we would be in a good position to reach that 80 %. <P/>Thus we contacted Chase to start this process. We are in good standing with our loan in that there has never been a late payment and each month we pay an additional {$180.00} to our principal balance. On XX/XX/XXXX, Chase sent us a document outlining how we start the process of requesting to cancel our PMI ( please see attached document labeled Chase page 1 ). The first step in the process was to request a broker price opinion, which is what we did. On XX/XX/XXXX, Chase sent us a document stating they received the signed BPO request form and ordered the BPO. A few days later we heard from the third party BPO agent, and the BPO was conducted on Monday, XX/XX/XXXX. <P/>On XX/XX/XXXX, we received a letter from Chase stating they can not cancel our PMI because our loan-to-value ( LTV ) ratio for this loan must be 75 % or below to cancel our PMI based on the current or newly appraised value of the property ( please see attached Chase document page 3 ).  They stated that currently our LTV ratio is 78.57 %. They advised that to meet this new 75 % LTV requirement, we would need to pay down the principal to {$290000.00}. The amount we would owe is approximately {$14000.00}, and this is not something my husband and I are financially able to commit to right now. <P/>After receiving this letter, I contacted Chase to see if there was any documentation I signed agreeing to these new loan terms regarding the 75 % LTV ratio. Chase did not have anything on file. The only documents they had on file regarding our PMI agreement, is the original document we signed back on XX/XX/XXXX ( attached PMI document ) stating that we were held to the 80 % LTV ratio. <P/>I am filing this complaint because I feel like we have been faithful in our payments, and we have met the terms on our loan making us eligible to cancel our PMI by meeting the 80 % LTV requirement. We are currently at 78.57 %. I am happy to answer any questions or elaborate on any of these points. Thank you very much for your time and I appreciate your assistance with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-30
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:
This account is fraud, and not my account. They should be required to provide the verification to show how this account was setup! I filed a dispute that was mailed certified and received XX/XX/18 and signed for. I requested to have account XXXX with XXXX XXXXXXXX XXXX validated. Which means a copy of a contract in my name with them. I was never provided this info from Experian, and within 9 days they emailed me to tell me this account was updated. What was updated? The same exact information is there, and how and when was it validated with me? No validation was done, and this is what continues to be done. This is my credit, my life!

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 2020-07-01
Company: Experian Information Solutions 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 AM VICITM OF AN IDENTITY THEFT, WHICH MEANS SOMEONE OTHER THEN MYSELF OPENED AND MAINTAINED THE FRAUDULENT ACCOUNTS, THE CHARGES ARE NOT MINE THE ACCOUNTS ARE NOT MINE. I NEVER AUTHORIZED THESE ACCOUNTS TO BE OPENED, I NEVER AUTHORIZED THESE ACCOUNTS TO BE OPENED AND MAINTAINED. THE ACCOUNTS AND THE CHARGES ARE FRAUDULENT.

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 2017-06-28
Company: FIRST HORIZON BANK
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
On  XXXX   XXXX ,  First Tennessee Bank ( FTB ) unexpectedly closed my Companion Card which had in excess of a {$1000.00} balance. Since closing, the funds have remained in the hands of FTB despite numerous calls and escalations to try and get the funds back to me. It has now been over 65 days and they are holding every penny hostage.   This is unacceptable and the telephone support channels have done nothing.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-02-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
XXXX XXXX XXXX XXXX Account Number : XXXX Dates : XX/XX/XXXX I've disputed this account over and over saying it is not my account and requesting that they provide me proof or remove it. 

XXXX XXXX Account Number : XXXX Dates : XX/XX/XXXX I've disputed this account over and over saying it is not my account and requesting that they provide me proof or remove it. 

XXXX XXXX XXXX Account Number : XXXX Dates : XX/XX/XXXX I've disputed this account over and over saying it is not my account and requesting that they provide me proof or remove it. 

XXXX XXXX XXXX XXXX Account Number : XXXX Dates : XX/XX/XXXX I've disputed this account over and over saying it is not my account and requesting that they provide me proof or remove it. 

XXXX XXXX XXXX Account Number : XXXX Dates : XX/XX/XXXX I've disputed this account over and over saying it is not my account and requesting that they provide me proof or remove it. 

XXXX XXXX XXXX Account Number : XXXX Dates : XX/XX/XXXX I've disputed this account over and over saying it is not my account and requesting that they provide me proof or remove it. 

XXXX XXXX XXXX XXXX Account Number : XXXX Dates : XX/XX/XXXX This account was never late. I've have disputed this with this company time and time again. Now this account has been paid off completely and it is still showing up negatively on my report. This is not fair.

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 2020-07-01
Company: CITIBANK, N.A.
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 AM VICITM OF AN IDENTITY THEFT, WHICH MEANS SOMEONE OTHER THEN MYSELF OPENED AND MAINTAINED THE FRAUDULENT ACCOUNTS, THE CHARGES ARE NOT MINE THE ACCOUNTS ARE NOT MINE. I NEVER AUTHORIZED THESE ACCOUNTS TO BE OPENED, I NEVER AUTHORIZED THESE ACCOUNTS TO BE OPENED AND MAINTAINED. THE ACCOUNTS AND THE CHARGES ARE FRAUDULENT.

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 2018-10-30
Company: EQUIFAX, INC.
State: GA
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 disputed the late payments on XXXX XXXX XXXX accounts for months. Equifax refused to reverse the late payments. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-30
Company: Experian Information Solutions Inc.
State: GA
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 disputed the late payments on XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX accounts for months. The credit bureaus refused to reverse the late payments. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP

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 2018-10-30
Company: EQUIFAX, INC.
State: AZ
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:
My XXXX/XXXX Visa  Credit Card Account : XXXX, and my XXXX XXXX XXXX   XXXX Mastercard Credit Card Account : XXXX is lost/stolen. Theres fraudulent and unauthorized charges/transactions on the accounts thats not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-04
Company: EQUIFAX, INC.
State: DE
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:
Routine check of my credit file # XXXX indicated on XX/XX/17 Equifax released by credit file to XXXX for no permissible purpose. This was an unauthorized an illegal release of credit information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 am concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested for an investigation because the accountsXXXX XXXX****, XXXX XXXX   XXXX****, XXXX XXXX XXXX ( Original Creditor : MEDICAL ) XXXX***, XXXX XXXX XXXX ( Original Creditor : MEDICAL ) XXXX****, XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX****, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX****, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX****, and XXXX XXXX XXXX**** have nothing to do with me. I am a victim of identity theft and the account is not my responsibility.. Credit bureaus failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score tremendously. CFPB please step up and delete this ASAP please Im looking to purchase a home.

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 2018-10-30
Company: Experian Information Solutions 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 am concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested for an investigation because the accountsXXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX ( XXXX Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX, and XXXX XXXX XXXX have nothing to do with me. I am a victim of identity theft and the account is not my responsibility.. Credit bureaus failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score tremendously. CFPB please step up and delete this ASAP please Im looking to purchase a home.

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 2019-08-26
Company: CreditNinja Lending, LLC
State: WI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I received a XXXX file report and do not recongize this company .... it makes sense now because around that time, I was receiving emails from Credit Ninja saying more informaton is needed to process the loan, but i never started any loan process with any company recently. 

Time - XX/XX/19 Merchant Name - Credit Ninja XXXX Response - Account Opening Inquiry

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 2018-10-30
Company: Navient Solutions, LLC.
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Participated in my Department 's Student Loan Repayment Program ( SLRP ) and opted for 3 separate disbursement sent to Navient from United States Treasury. 

My loan was a XXXX XXXX XXXX loan and mail payments are sent to XXXX. XXXX XXXX XXXX, GA XXXX. I incorrectly put the address ( XXXX. XXXX XXXX XXXX, PA XXXX ) intended for Navient loans. Navient processes both XXXX XXXX XXXX and Navient Loans. 

My name and account number are on the check. My first payment was disbursed and cashed by Navient but it did not get credited in my account because it went to the wrong payment address. Per Navient customer service, they will cash the check, hold it for 10 days and return it to the sender without notifying the person on the account/check. 

I find it suspicious that my name and account number are provided and my account was not credited. In addition, they cashed the check ( probably started accruing interest ), held it for 10 days ( 20 in my situation ) before returning it to the sender ( United States Treasury ) without notifying me. 

My complaints are : They have my information, why not correctly allocate the payment instead of cashing and holding the funds without notifying the borrower or noting their account next time they inquire.

Company response to consumer: Closed with explanation