BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-25
Company: LD Holdings Group, LLC
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On or about XX/XX/2020 we received a loan approval from Loan Depot. They had pulled my credit report and were fully aware of my credentials. 

The " lock Date '' was to expire around XX/XX/2020. I was told the loan would take about 45 days to close. 

During the period from XXXX XXXX beginning of XXXX very little was done to move the loan forward. Only until we were within a 14 day- one week within the loan termination date did Loan Depot start requesting documents. ( Example of email communication is attached herein ). 

I had my title clerk prepare the documents the Loan Depot requested. We emailed them all the paper work they requested with rapidity. 

I gave them everything they'd asked for, preparing all title work and setting schedules to accommodate a forthcoming closing. The day before the lock end they called to inform me because of something that had occurred over ten years agon, they were not going to give us the loan. 

They could have told us that back in XXXX. I want to know why it took them almost two months to come up with a reason to reject the loan. I also want to see supporting documentation to support their claim. 

I would also like to know for certain this has nothing with my age. Writing a 30 year loan for someone at my age may not be something they are interested in and they can just come up with a reason to reject the loan. 

Either way, they would have been aware of this long before they strung me out for almost 2 months!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-13
Company: JPMORGAN CHASE & CO.
State: DE
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: Was not notified of investigation status or results

Complaint:
chase card was investigating my information. I did not give chase card permission to investigate my name. I did not request a credit card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-01
Company: Mr. Cooper Group Inc.
State: FL
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Trouble during payment process

Complaint:
My Homestead property is currently set for a Foreclosure Sale on XX/XX/XXXX, in XXXX XXXX, Florida, Case No. XXXX, Nationstar Mortgage v. XXXX XXXX.

From XX/XX/XXXX through XX/XX/XXXX, I have been overcharged by XXXX XXXX and XXXX XXXX approximately {$79000.00} in Forced Placed Insurance. I was not aware of this until XX/XX/XXXX when my recently hired attorney went through all the charges by XXXX XXXX and XXXX XXXX. I was not represented by counsel during the Foreclosure filing. A standard insurance charge for my house would be about {$3000.00} a year. I was charged by XXXX XXXX and XXXX over {$12000.00} a year for insurance ( 4 times what should have been charged ). I have all the charges to support these fraudulent overcharges.

Last week I was approved by the Florida Housing Authority via XXXX for {$50000.00} in Mortgage assistance to Reinstate my Mortgage. However, XXXX XXXX ( the servicer for Nationstar ), claims I owe {$82000.00} plus to Reinstate and even if the Florida Housing Authority pays {$50000.00}, XXXX XXXX wants an additional {$32000.00} to Reinstate.

I have been overcharged {$79000.00} by XXXX XXXX. I have researched this issue and there are many Class Action lawsuits about Forced Placed Insurance fraud, and Nationstar is one of those companies involved in this fraud.

I would like Nationstar/XXXX XXXX to waive any amounts alleged owed over the {$50000.00} that the Florida Housing Authority is willing to pay XXXX XXXX. If not, I will be forced to turn this over to the State and US Attorney for their review of this fraudulent activity by XXXX XXXX and Nationstar.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-06
Company: HYUNDAI CAPITAL AMERICA
State: FL
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: Investigation took more than 30 days

Complaint:
HYUNDAI CAPITAL AMERICA Account Name HYUNDAI CAPITAL AMERICA Account Number XXXX XXXX. 
This account needs to be removed. This is from 2008. It is 12 years old.

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 2018-08-01
Company: Receivables Performance Management, LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
The company Receivables Performance Management or RPM showed up on my credit report without ever trying to contact me from the start about a debt I owed to XXXX XXXX XXXX. Once I saw this reported on my credit I contacted them to see if the debt could be settled and I told them I needed it removed from my credit report once it was settled. I was told it would be and also was sent letters showing it was paid off. However when I tried to call back the supervisor told me he wouldn't remove the reports from my credit even though I paid the settlement not even a month after it appeared on my credit once I knew it was in a collections status. He claimed it couldn't be done and that they had to report the " correct information '' After I was already told it could be done by XXXX and XXXX XXXX XXXX both!! He even hung up the phone on me and told me he wasn't going to do it!

I read several complaints where this complaints online about how this company didn't even try to contact customers who owed debts and it just showed up on their reports. This is exactly what happened to me. And before I chose to pay I made them promise to take it off my report and send me confirmation that it was paid right away. I am in the middle of a mortgage for a new home and these people really messed up my score!!!

And the supervisor hung up on me when I told him both XXXX and the Lender said that RPM can do this!

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 2020-08-25
Company: BSI Financial Holdings, Inc.
State: DE
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
in XXXX I filed for chapter XXXX because of a potential foreclosure. For 5 years we paid BSI directly for our mortgage payment. The trustee paid the company the money owed for what we were behind. In XX/XX/XXXX we successfully completed bankruptcy and creditors were paid. BSI signed off that we were now caught up and no money was owed. Then approximately a month later we received notice that the mortgage was going to increase an additional XXXX for a year due to a shortage in escrow. BSI was immediately contacted because for one they signed off no money was owed. We were current on monthly mortgage and the trustee paid arrears. BSI first stated they miscalculated amount owed for tax and insurance. This isn't true because our attorney said that our payment to the trustee needs to increase monthly to assure that all arrears were paid. We went from XXXX plus to XXXX plus in payments to trustee, this was for approximately 5 years. Since we paid the monthly mortgage payment directly to the lender the taxes and insurance were paid. The trustee was also paying BSI. There was no way that there could have been a shortage, plus they signed off that we met all requirements and nothing was owed. With the additional monthly amount of XXXX and what is currently going to escrow BSI is taking XXXX a year. When our yearly escrow is XXXX, the difference of XXXX that is being paid to BSI. On XX/XX/XXXX BSI was contacted again to see how much longer the additional payments were owed and to once again see why. The individual I spoke to was " XXXX '', he could not explain why additional money was being taken, nor could he see any arrears, and we are definitely paying too much. He acknowledged we are paying XXXX a month for escrow which is a yearly amount of XXXX. The escrow is XXXX a year, therefore there is a XXXX over charge. No one can give us any answers they just keep taking the money. With the way the economy is, it's difficult to pay extra money when i don't have too. I hope someone can help us.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX. XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPARTMENT OF EDU XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25
Company: Shellpoint Partners, LLC
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I bought my first home on XXXX XXXX with Newrez mortgage, this company is owned by Shellpoint Partners LLC. On XXXX XXXX Newrez withdrew from the escrow account {$6000.00} to pay the first quarter of my property taxes. From XXXX until XXXX my mortgage payment was {$2000.00}, of which {$800.00} went to the escrow account to pay for taxes and insurance. As of XX/XX/XXXX, the balance on the escrow account was approximately {$3200.00}. On XX/XX/XXXX {$6000.00} were withdrawn from my escrow account leaving my account negative - {$4300.00}. My quarterly property taxes are {$1700.00}. My problem is that when I call the city of XXXX, they said that they havent received my tax payment yet and they were also surprised about the amount. The mortgage company gives me a different story every time I call, they have no proof they can provide me for the payment because the payment was made electronic and the city of XXXX can not help me until I get the proof. This problem has caused my monthly mortgage payment to increase by almost {$840.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25
Company: EQUIFAX, INC.
State: OH
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:
Equifax should not be reporting that I am ( 120 ) days late on the XXXX partial account number XXXX and XXXX. ( Please see pages attached from my credit report along with a copy of my Drivers License and SSN card for identification purposes to continue the investigation of this complaint. ) These accounts report a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-01
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I noticed a recurring charge on my XXXX 's account every month after purchasing furniture from their store.I believed it to be interest, but realized that the furniture I purchased was supposed to be interest free for 12 and 24 months. I called the XXXX hotline and was told that I had to call the XXXX XXXX XXXX as it was not affiliated with their company. How is a company not affiliated able to charge a recurring fee of {$15.00} since XX/XX/XXXX on MY XXXX account. I did not consent to this. I was not informed of this. On XX/XX/XXXX, I called XXXX XXXX XXXX ( XXXX XXXX ) at XXXX. I was informed they would cancel my account with them, they would stop charging their fee, they would file a request for refund to their " resolution department '', and I would receive a letter within 30 days. Thirty days passed and I did not receive any letter. I called again on XX/XX/XXXX and was told they would send an escalation letter to their " resolution department '' and I would receive another letter within 30 days. I asked to speak to a manager who informed me that their resolution department could only be reached internally and that this department did not have a contact number nor contact address. I am sure thousands of people are currently being scammed by this program and am shocked XXXX would allow this to occur. I am considering filing a lawsuit.

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 2020-08-25
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:
remove fraud alert from credit file XXXX  XXXX Experian

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 2017-08-01
Company: Nelnet, Inc.
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:
This complaint is being made on XX/XX/XXXX. I have a graduated repayment plan with the US Department of Education. I have a statement date of XXXX XXXX, 2017. They advised that my monthly payment per my graduated plan is {$540.00}. I spoke with a representative at Nelnet and they told me about a new program called REPAYE that could make my student loan payments less. I asked how much the loan payment plan would be under REPAYE. The Nelnet representative told me that the payment would be less and that I could send in my taxes and then they would advise on the lower payment amount. I made my monthly payment in advance of XXXX XXXX, 2017 for the sum of {$540.00}. I got a letter in yesterdays mail advising that the payment amount would be significantly more. This was the first information I was ever advised on the amount I would pay under the REPAYE plan. I called Nelnet to say that I want to stay in my current plan. Nelnet said that I could not because they re-did the terms of the loan and would not let me in the graduated plan at {$540.00} per month. They said that I could only be in a graduated plan for {$550.00} per month. I was never advised that I would be taken out of the graduated plan. I was just told that they would be able to tell me the monthly payment amount under the other plan if I submitted an application. I did not say that I wanted to change into any new plan. I offered to pay any interest to prevent any capitalization so that I could keep the payments at the rate of {$540.00} per month. I was put into a plan at the {$550.00} per month. They refused to put me in at {$540.00} per month. I was improperly advised by technicians at Nelnet. They never told me that the loan terms would change or that there would be any capitalization. They never told me that my even filing an application that my amount would change at all from my plan of {$540.00} per month.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-13
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
We were in a Federal Declared Disaster Area for Hurricane Irma. I heard by others that Mortgage companies were allowing home owners to put a " hold '' on their mortgage payments for 90 days. I called Wells Fargo in response to this and they said yes, they could hold the Mortgage payment for 90 days with no penalties, late fees or consumer reporting. I was also told that the payments that were missed would be moved to the end of the loan. After the 90 days, I resumed payment on the Mortgage and have made every payment on time. I have never missed or have I been late on a Mortgage payment. I thought it was great that Wells Fargo was going to help us get the repairs done that we needed. We also lost power for 1 full week so we lost all of our food and supplies that were in our refrigerator and freezer. We were unable to cook and we had to find somewhere else to stay during this time as it was 87 degrees inside of our house. I was quite surprised to receive a letter from Wells Fargo in XXXX in reference to the pending foreclosure on our property. My husband spoke to XXXX XXXX from Wells Fargo and he " suggested '' we do a loan modification. We are not interested in doing a loan modification at this time as we would like to sell within the next few years. After many lengthy conversations I ended up speaking with XXXX XXXX, a Supervisor who informed me that they could do a loan modification with only an inspection of our property and job verification. I decided that was doable just to put this whole thing to rest and move on with our lives. Last night I received an e-mail from XXXX stating that we would have to do a full modification because I stated that we were in the middle of a lawsuit and my " funds were being stifled ''. We are in a lawsuit and we are the Plaintiff. I never stated that my funds were being stifled and have not been late on any Mortgage payment. I feel this is Wells Fargo 's way of trying to hurt me, their customer for almost 10 years with our Mortgage. I also was under the impression that if you are in a FEDERALLY DECLARED DISASTER AREA, as we were, that Mortgage companies are not allowed to do this nonsense. This has caused me a lot of stress and I need a resolve to this.

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 2022-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 information incorrect

Complaint:
I had an account with XXXX. Several years ago the card information was stolen and used for fraud. Account number XXXX I filled out the forms for fraud with XXXX and they agreed to remove the balance from my file and change the status to current. They have not done this. I have disputed this information with all three bureaus and it remains.

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 2018-10-08
Company: Southwest Credit Systems, L.P.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/XXXX I check my credit and was informed that that SOUTHWEST CREDIT SYS XXXX XXXX XXXX, XXXX, XXXX  XXXX was on my credit report. I didnt know where it came from and i wasn't made aware of it previous. I wasn't given NY NOTICE OF THIS COLLECTION. this HAS COST ME MY HOME DUE TO I WAS IN THE MIDST OF CLOSING WHEN IT WAS ADDED ON MY CREDIT REPORT. I HAVE CALLED AND SPOKE WITH MULTIPLE REPS AND HAVE SINCE FOUND OUT THAT THEY ARE COLLECTING ON A DEBT FROM XX/XX/XXXX AND XX/XX/XXXX. FIRST I INFORMED THEM THAT THIS IS NOT MY DEBT DUE TO IVE HAD IDENTITY THEFT AND HAVE SENT THEM BOTH OF MY POLICE REPORTS SHOWING FROM XX/XX/XXXX AND XX/XX/XXXX THAT I HAD IDENTITY THEFT. i HAVE ALSO SENT THE INFORMATION TO CHARTER COMMUNICATION WHO IS SUPPOSED TO BE THE ORIGINAL OWNER OF THE DEBT. I WANT THIS REMOVED OFF MY CREDIT IMMEDIATELY. i WOULD LIKE AN APOLOGY DUE TO I DON'T OWN MY HOME BECAUSE OF THEM. I WANT THEM TO STOP COLLECTING ON THIS GHOST /IDENTITY THEFT ACCOUNT IMMEDIATELY BEFORE I BRING A LAWYER INTO IT. IN XX/XX/XXXX I WAS LIVING IN XXXX XXXX AT MY MOTHER AND FATHERS HOME. I DIDN'T EBEN OWN MY OWN PLACE YET AND THEN IN XX/XX/XXXX I LIVED AT XXXX XXXX XXXX XXXX XXXX XXXX SINCE XX/XX/XXXX-XX/XX/XXXX. THE ADDRESS THEY HAVE ON FILE I NEVER LIVED AT THOSE LOCATIONS

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Since COVID I have been on credit card payment deferment. XXXX, Transunion and XXXX have all lowered my Score which is now making it difficult for me to aquire a new mortgage. There should be taken into account and not used to hurt the consumers. I am on time with everything and i dont just pay the minimum.

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 2020-08-25
Company: CITIBANK, N.A.
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
On XX/XX/2020 I was in my XXXX XXXX app and i saw a credit card advertisement from citibank for their double cash credit card. The offer states that there is 0 % APR for 18 months. I applied for the card and was approved. I received the disclosure in the mail 2 weeks after. The disclosure states that the 0 % APR only applies to balance transfers and that the regular APR for purchases is 23.99 %. This was not what was advertised to me and the sole reason i applied for the card was the 0 %. i called the institution on the day i received this and was told that there is nothing they can do as I should have read the " fine print ''.

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