BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-01-22
Company: Freedom Mortgage Company
State: NJ
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
My name is XXXX XXXX, i currently have a mortgage with freedom mortgage. I lost my j9b and became 2 months behind, i have been in loss mitigation for over a year, the company just before XXXX  told me they had all documents and a decision would be in 30 days, never recieved that decision in writing or by phone. Last week i was notified they were missing documents, i sent them to the company and the week before i sent them other documents that they have requested, this has been going on for a year now, plus on top of that every month they include inspection fees. This month when i went to pay the mortgage i found the customer service rep to be extremely rude, i made my payment however she was very persistant about paying the behind payments, i told her we were working with loss mitigation.

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 2019-01-22
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
On XX/XX/XXXX I submitted a general forbearance request to Navient via email they provide. This is for a loan that was due on XX/XX/XXXX. I have been diagnosed with XXXX  related symptoms and dealing with their automated system has been very stressful. I have spoke with them in the past and advised that I do not find their website or telephone system user friendly so they provided me their fax and email. I also followed up the request with a fax same date. Did not receive a response so I emailed and faxed again on XX/XX/XXXX. On XX/XX/XXXX I received a bill that the amount of loan is passed due. 

This occurred last year also. They provide ways other than telephone or computer but then they do not process your information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25
Company: PENNYMAC LOAN SERVICES, LLC.
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I was looking to refinance my home in XXXX. I got several offers and went with the best one from freedom mortgage. My current lender PennyMac reached out to me they would match or beat it, I liked the PennyMac services so I agreed ( they would match the APR and the closing costs saving me thousands from Pennymacs initial refinance estimate ). I signed closing documents with a notary approximately XXXX. On XXXX the title company called and said that PennyMac changed my HUD-1 form  and I owed {$8000.00} XXXX previous HUD Estimate was $ XXXX ) by the following Monday. 
I contacted PennyMac and they said they would work to fix the issue, after having several managers, loan processing agent and many representative involved, I went through four additional notary appointments to close, all of which the notaries reported the day before that PennyMac did not send them the documents and they could not have me sign. I am not being informed that they will force close the loan and are offering me a higher interest rate and about {$10000.00} in closing costs. We reached an agreement in XXXX and they have failed to get the documents in order and already agreed to a closing, I was also informed that they may be collecting a daily interest on my closing since the signing in XXXX which the reps and the loan processor are unable to deny/confirm. 

Complaint : PennyMac needs to honor the initial agreement they had me sign as I have waited four months. They should also be liable for the four months of interent on the payments I made. 

As of today, the representative reported, They can not process my loan because they have not pulled a credit report. This again is there portion and relatively simple, they have also added a closing charge of {$75.00} to pull the report in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25
Company: EQUIFAX, INC.
State: OK
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:
There has been a derogatory remark on my account in credit reporting agency like XXXX, XXXX  and equifax. The truth of the fact is I did borrow money from the department that reported that. I am a service member and I have a GI Bill to use while I was going to school in New York. According to VA they claimed they have overpaid my book stupends by {$120.00}. This is their own negligent if they have overpaid and should not be tempering with my hard earned credit. My credit is valuable to me so I make timely payments on all my debts. I have contacted the credit reporting agencies about inaccuracy of their data because they indicated I have four months missed payment but in their comment box they stating I am infected by natural disaster. Well, I am from New York so I am affected by COVID19 during those times missed payments was noted. This sound like a conspiracy to destroy my credit. {$120.00} can not destroy someone who have over {$300000.00} debt but make my payments on time. Why would you report 4 months missed payment on the account which was just reported on XX/XX/XXXX to your agency. If VA would not find competent people to work for them, they would call me to notify me instead or mailing they claimed they did but I never received any mails from them. Post office was shut down and mails was taking longer to reach us during pandemic and up till this time it is still slow. This is an incompetent debt collector because every debt collector will call.the consumer. I will attach the mail I received on XX/XX/XXXX dated XXXX XXXX about them reporting above amount to credit reporting agency. My issue is why would they note 4 months missed payments but I am affected with natural disaster right. Stop tempering with consumers credit score because it is making living hard. One could loose their job because those little mistakes you do.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-27
Company: World Omni Financial Corp.
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:
There are Hard Inquiries that on my Credit Report that I don't recognize

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-22
Company: DISCOVER BANK
State: PA
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I have a charge dispute with Discover thats going on 4 months now, for goods and services that were never received. A merchant charged {$6800.00} on XX/XX/XXXX for a siding job on my and my husband 's house. The merchant never delivered the goods or service, and after a year of excuses, the contract was cancelled, and I requested a refund. Through repeated attempts, I have been unable to contact the merchant since then. After failing to resolve this with the merchant, I opened a charge dispute with Discover.

4 months in dispute and this charge has not been settled. Ive provided extensive documentation of the merchants non-delivery and contract breach. Each time I speak to the dispute department, Im told additional information is needed, and I provide this information. However, on my XX/XX/XXXX phone call to the dispute department, I was again told Discover requires additional information, however this time I was told I cant tell you specifically what that information is. The agent also inquired as to why Discover should be responsible for refunding me this money.

Discover claims this is still a valid charge, despite the fact that I never received the goods/services. As the charge is beyond 3 months, Discover no longer has the ability to chargeback the merchant, so the money would come from Discover itself. I believe this is why Discover continues to claim the charge as valid, because it would cost them money otherwise.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-18
Company: Mr. Cooper Group Inc.
State: OK
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage

Complaint:
I have tried to pay off my mortgage 3 times since XXXX. I have requested and received 3 payoff authorization forms and wired the amount to the mortgage companies bank only to have additional charges show up on my account. After the latest one last week my account still shows a balance of {$38.00} dollars. I have called numerous times beginning XX/XX/12 and have been told they were going to correct it but nothing has changed. I have spoken to their escalation department and filed a report with the XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19
Company: United Shore Financial Services, LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
To whom this my concern, On XX/XX/XXXX I sent a payment to my bank few days later I sent the rest of it it went out of my bank 2 weeks later the money was returned for no reason. So the payment was late. So why was put on my credit report that I paid late. No one call me that there is a issue or what's the problem tried call the bank could not get to them. 
Please help me XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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:
There has been a derogatory remark on my account in credit reporting agency like XXXX, transunion and XXXX. The truth of the fact is I did borrow money from the department that reported that. I am a service member and I have a GI Bill to use while I was going to school in New York. According to VA they claimed they have overpaid my book stupends by {$120.00}. This is their own negligent if they have overpaid and should not be tempering with my hard earned credit. My credit is valuable to me so I make timely payments on all my debts. I have contacted the credit reporting agencies about inaccuracy of their data because they indicated I have four months missed payment but in their comment box they stating I am infected by natural disaster. Well, I am from New York so I am affected by COVID19 during those times missed payments was noted. This sound like a conspiracy to destroy my credit. {$120.00} can not destroy someone who have over {$300000.00} debt but make my payments on time. Why would you report 4 months missed payment on the account which was just reported on XX/XX/XXXX to your agency. If VA would not find competent people to work for them, they would call me to notify me instead or mailing they claimed they did but I never received any mails from them. Post office was shut down and mails was taking longer to reach us during pandemic and up till this time it is still slow. This is an incompetent debt collector because every debt collector will call.the consumer. I will attach the mail I received on XX/XX/XXXX dated XXXX XXXX about them reporting above amount to credit reporting agency. My issue is why would they note 4 months missed payments but I am affected with natural disaster right. Stop tempering with consumers credit score because it is making living hard. One could loose their job because those little mistakes you do.

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 2020-06-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I filed a dispute with Capital One. 

I attached a copy of the rental agreement. The rental agreement clearly states : Cancellation policy : Any deposits, rent and fees paid shall become non-refundable if the reservation is cancelled by Guest In this case, the reservation was NOT canceled by the guest ( me ), but by the owner of the unit. I am attaching the email that came from homeaway that clearly states : Unfortunately, the property manager had to cancel your reservation in XXXX, FL, XXXX for XXXX XXXX, 2020 XXXX XXXX, 2020. 

XXXX  site does allow for an owner OR a renter to cancel. If I had wanted to cancel on my end, I would have clicked on the site to cancel. I did not do that, which is why the email from XXXX states that the property manager had to cancel your reservation I would NEVER have clicked to cancel the reservation without a refund, because I would have let my sister and brother in law stay there without me as I stated in my previous letter, the reservation was for 6 adults including them. 
The owner chose to cancel the reservation, which is clear from the cancelation email. The contract only states I get no refund if I cancel which I did NOT do. Never in any of my emails / chat to the company did I ask for a cancelation without a refund. 
The owner did not fulfil the contract and canceled on their end which entitles me to a full refund. 

This seems to happen a lot with Capital One. The murchant responds and then the company " closes '' the complaint. I spoke to a manager who said he was the " final '' person I could speak to despite me having documentation that I did not cancel the stay.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: Flagstar Bank, N.A.
State: VA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I am attempting to cash out refi with my current mortgage co Flagstar. On XXXX I contacted Flagstar to obtain a HELOC which they said they cant do so I asked for cash out refi. 

Daily to date, I have extensive emails trails of Flagstar imparting arbitrary rules and requirements on me that appear to be purposely designed to prevent me from obtaining the cash out refi. They ordered me to sign their prepopulated form of data that was factually incorrect & refused to correct the formI contacted a local Flagstar branch in XXXX VA who very helpfully escalated my concerns. The form was 80 % updated for factual correctness. 

Flagstar has asked me daily for new and unspecified information without articulation, refusing to complete a final list of true requirements from me, and also refusing to provide an estimated close out date for me to receive the cash out refi money. 

My personal experience to date in this process seem to me only to be in line with Flagstars historical record on CFPB of still not ethically adhering to mortgage servicing rules : https : //www.consumerfinance.gov/about-us/newsroom/cfpb-takes-action-against-flagstar-bank-for-violating-new-mortgage-servicing-rules/ TheyXXXX are effectively holding me back and preventing me from purchasing a home by not performing duties required and clearly communicating requirements for me in order to run my cash out refi process. 

Daily emails between me & Flagstar appear to show new arbitrary requests that they eventually conquer once I pressure them to apply some measure of reasonable thought. They have asked me to complete non existent forms without a specified format, asked me to provide proof of assets without justification, have gotten my address wrong on binding documents, insisted on contacting my ex-spouse as part of my sole property ownership process, not responded to multiple requests to update their errors in their own forms, asked me to complete forms that are not on any official letterhead, called me instead of written me back in order it appears to avoid a written record of further incompetence in how they process my cash out refi.

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 2019-01-22
Company: EQUIFAX, INC.
State: VA
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: Problem with personal statement of dispute

Complaint:
I am writing because I am currently experiencing financial hardship and would like to find a way to freeze credit reporting for the month XX/XX/XXXX. As you are aware, annual funding for part of the Federal Government expired on Friday, XX/XX/XXXX. Certain Government activities ceased due to a lack of appropriated funding, and designated pre-notified employees of the federal government agencies would be temporarily furloughed. Request to all three of the National Credit Reporting Bureaus to freeze monthly credit reporting for XX/XX/XXXX. My problems began XX/XX/XXXX, when as a current Federal Government employee and because of a lapse in appropriations of the Federal Government Budget my employer the XXXX XXXX XXXX ( XXXX ) curtailed certain activities. The United States Congress annual appropriations fund salary payroll and is suspended by law. XXXX employees who perform non-excepted work paid by the lapsed in yearly budgets must be furloughed. 
I am not trying to avoid my responsibilities, I am seeking NO NEGATIVE ( reporting " Late '' by the Three Major Credit Bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Equifax is reporting a payment status of " 30 days late '' on a current, paid in full, closed account. Also reporting a 90 day late from 2018. This is a violation of fcra. 
XXXX & Equifax are also reporting outdated payment history on a paid in full closed account from 2018.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
MY PERSONAL INFORMATION WAS STOLEN AND USED TO OPEN AND APPLY FOR FRAUDULENT ACCOUNTS SOMEONE USE MY NAME TO OBTAIN A APARTMENT LEASE, OPEN A CELL PHONE ACCOUNT, OPEN CREDIT CARDS WITH MY ID AND SOCIAL SECURITY NUMBER THESE ACCOUNTS DO NOT BELONG TO ME I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  CRAS. On  XX/XX/2020, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2019-01-22
Company: Experian Information Solutions Inc.
State: VA
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: Problem with personal statement of dispute

Complaint:
I am writing because I am currently experiencing financial hardship and would like to find a way to freeze credit reporting for the month XX/XX/XXXX. As you are aware, annual funding for part of the Federal Government expired on Friday, XX/XX/XXXX. Certain Government activities ceased due to a lack of appropriated funding, and designated pre-notified employees of the federal government agencies would be temporarily furloughed. Request to all three of the National Credit Reporting Bureaus to freeze monthly credit reporting for XX/XX/XXXX. My problems began XX/XX/XXXX, when as a current Federal Government employee and because of a lapse in appropriations of the Federal Government Budget my employer the XXXX XXXX XXXX ( XXXX ) curtailed certain activities. The United States Congress annual appropriations fund salary payroll and is suspended by law. XXXX employees who perform non-excepted work paid by the lapsed in yearly budgets must be furloughed. 
I am not trying to avoid my responsibilities, I am seeking NO NEGATIVE ( reporting " Late '' by the Three Major Credit Bureaus.

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 2018-02-27
Company: I.C. System, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
As of XX/XX/2017 i c sytems inc sent information stating to all credit bureaus saying a amount of {$370.00} was owed by me. since then there is negative remarks on my credit report thats has brought my credit score down by 49 points ... i dont have any knowledge of i c sytems or have i ever been associated to i c styems or the original creditor and i do not owe a amount of any.

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