BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-12
Company: WSFS FINANCIAL CORPORATION
State: NC
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
XXXX XXXX XXXX prepared loan modification documents for someone that did not have ownership interest in a property that was in probate when my mom passed away. The home was later distributed to the heirs to my moms estate, which included me. XXXX is shown on the loan modification as the servicer and lender. XXXX XXXX is shown as the borrower and owner, but he had no ownership interest in the property. The derivation clause was left blank and the signature of XXXX XXXX was not notarized. While the modification was never recorded, it was later sold and when XXXX XXXX defaulted on the void modification, the current servicer filed for foreclosure on the original mortgage and didnt mention the modification to the court. I asked the court to vacate the order allow the foreclosure of the note and mortgage as the payment terms in the complaint did not match the deed and mortgage. In responding to the motion to vacate, the new lender introduced the modification.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
Company: EQUIFAX, INC.
State: TX
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 actXXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Trouble during payment process

Complaint:
In XXXX I received a notice from XXXX XXXX XXXX  that my flood insurance coverage was insufficient by {$23000.00}. I immediately filed for an increase on my flood policy from {$190000.00} to {$200000.00}. I was unable to increase it by the requested {$23000.00} as it would have exceeded the percentage of value guidelines. I immediately faxed the declaration page showing the increase to XXXX. A day later I had the flood policy amended to show the change of mortgagee from XXXX to XXXX as the change had not been made whenever they switched over. Last week I received a bill from XXXX for {$110.00}, for forced place insurance in the amount of {$23000.00}. When I called and got through to a manager he told me that my earlier 2 faxes had been received but never transmitted to their insurance department. I believe this Company is engaging in false and deceptive practices by force placing unneeded insurance on their mortgage clients. I am a licensed insurance agent and wrote my own policies so that although I am a senior ( age XXXX ) I was able to respond to this request quickly and accurately and professionally.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-25
Company: JPMORGAN CHASE & CO.
State: VA
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:
statue of limitations and credit reporting limitation for virginia has passed account from XXXX and it's XXXX and limitation passed in XXXX, please remove jp morgan chase from credit bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-23
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In XX/XX/2017 my vehicle was reprocessed after only 30 days of delinquency. However my chief complaint is that I was never notified when the vehicle was auctioned or sold. According to the reprocession laws in the state of Nevada, as the consumer I was supposed to be notified of the date, location of the sale of the vehicle. Also I never received notice of how much the deficiency amount owed if any. This finance company is also reporting inaccuracies on all 3 of my credit reports. XXXX XXXX is reporting every month that I am delinquent which has added extra charges from original balance at the time of charge/off placed on my credit reports. None of the information is accurate that's being reported by XXXX XXXX to all 3 credit agencies. XXXX XXXX, Equifax and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-13
Company: Bliksum, LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
Back in XXXX 2016, I was having a difficult time after XXXX XXXX XXXX the military and trying to get stable financially. I used this service to help me take care of a couple of emergent things that also involved some medical costs. I agree, the acquisition of the funds were attractive and easy. However, I was hoping that I would be able to pay it off quickly in order to avoid the very high interest rates attached to the loan. Unfortunately, this was not the outcome. I faced setback after setback, which prevented me from being able to perform the payoff desired, and I had to continue on their payment plan. During this process, my wife and I were beginning to have dental issues that needed to be addressed, and to protect my honor and my obligation with XXXX XXXX, I placed our need on the shelf, in order to continue paying them. I am now at a point where our XXXX needs must move from secondary to primary, and they need to be addressed. Pain has become a daily part of our life with the XXXX issues and I need to have these funds to meet the treatment needs. I have insurance which is very helpful. However, the associated cost I will have to pay is considerable. I also have XXXX XXXX XXXX challenges with XXXX XXXX XXXX after several XXXX and all of this has often XXXX XXXX  as well as XXXX XXXX. As I took a look at the payment schedule that is attached to this report, I noticed that I have paid off the amount that I originally borrowed, {$3100.00} to the amount of {$3800.00} - to date. I also took a look at the payoff amount to be released from the debt and it is {$3500.00}! And even worse, the complete payoff amount is {$16000.00}!! All from an initial amount of around {$3000.00}. This is way more than what I originally borrowed. In the past, I have had at least 2 conversations with the company in regards to paying off the loan early. I was always advised to wait until a certain date to avoid having more interest attached. But, at any rate as you can see in the documents enclosed, the interest rate is not in favor of the borrower in any way.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15
Company: KEYCORP
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I called KeyBank and they refused to close the account. wrote to them ( letter attached ) and they still didn't close the account. They keep charging me monthly fees. This s a scam

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-01
Company: Experian Information Solutions 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:
This is unbelievable, bureaus keep up with incredible reporting practices because they put stuff on my credit file without even informing me ahead of time.. They don't belong to me, I did not have an account with these companies, Please delete the mentioned accounts XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) 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 2020-09-15
Company: Mr. Cooper Group Inc.
State: OK
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX and XXXX XXXX Loan number XXXX XXXX contact number XXXX This is a " qualified written request '' under Section 6 of the Real Estate Settlement Procedures Act ( RESPA ). 

I am writing because : Mr Cooper/Nationstar loan servicer is continually applying payments improperly and proceeding and engaging in inaccurate accounting practices. 

There have been over 5 attempts to resolve this issue via phone calls and lastly by emails with Mr Coopers customer service over the last 45 days. 

I have requested that {$1000.00} payment made on XX/XX/XXXX be applied to XXXX payment and {$1000.00} payment made on XX/XX/XXXX be applied to XX/XX/XXXX payment. 
I have been assured each time this would be taken care of and there would be written notification. This has not happened. 
My daytime contact number is XXXX I understand that under Section 6 of RESPA you are required to acknowledge my request within 20 business days and must try to resolve the issue within 60 business days See below : On Friday XX/XX/XXXX the following email was sent and received by Mr Cooper/Nationstar : Please accept this email as a formal complaint against your business. 
Per our phone discussions over the last few weeks I am requesting in writing this time to APPLY PAYMENT made on XX/XX/XXXX to XXXX payment and APPLY PAYMENT made on XX/XX/XXXX to XXXX payment. 
I hope this can finally be resolved. 
Thank you, XXXX XXXX Loan number XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-12
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/2022, at XXXX XXXX. I received a text message stating that my bank account had suspicious activity and payment was declined. It instructed me to cancel the transaction by clicking on a link provided in the text. Out of fear of losing my money, I clicked the link and was taken to a website that I believed was Wells Fargo 's since it mirrored their actual site. I logged in with my credentials and when asked for my ATM card information and account number I realized that the website could be bogus and immediately I called Wells Fargo. I spoke with a female representative and explained the entire situation to her and requested that she change my account number to be safe. The representative assured me that changing the information was not necessary and that I should not worry since I didn't give my account information on the website. I asked her again to change my information because I was scared and again she told me to not worry. After that call, I immediately called the bank again and spoke with a gentleman and explained the situation and he too advised me to not worry and that nothing needed to be done. On XX/XX/2022, approximately {$17000.00} was transferred from my bank account via wire transfer without my knowledge or consent. I called the bank and was told that the transaction was pending and that he was able to stop it. I called back to the bank and the representative told me that I was misinformed and that the funds were transferred. I have called the bank several times as well visited the local branch with no resolution. I was told that a fraud investigation would take 10 business days and that I would be given a provisional credit after the investigation. On XX/XX/2022, Wells Fargo called and advised me that I would be given a provisional credit and I have not received the credit all that has been done thus far is many calls to the bank by myself, being told things that were untrue, and my {$17000.00} is still missing from my account. 

Wells Fargo failed to protect my funds as agreed by refusing to close that account and by not changing my login credentials when I requested this to be done several times before any funds were taken. Wells Fargo also failed to contact me prior to wiring funds from my bank account especially since this activity is not aligned with my banking habits from my almost two-decade relationship with them. Wells Fargo representatives have misled me and provided me with inaccurate information on each call. It was not until a phone call to Wells Fargo on XX/XX/2022 that the representative agreed to close the compromised accounts and open new ones.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-20
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
The XXXX  XXXX  in XXXX Illinois illegally used my credit card to charge for rooms that wasn't mine but my sister who paid for them on XXXX My bank denied the claim because the hotel apparently recreated documents with my name on them... 

They have inserted me in this transaction and I wasn't staying there.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-31
Company: Experian Information Solutions Inc.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Experian  Is reporting a child support case that is almost twelve years old violated my rights under the FCRA ,I’ve disputed this issue on several a cations and I’ve sent certified letters Case was open in XX/XX/XXXX,  certified letter datesXX/XX/XXXX , XX/XX/XXXXAccount: XXXXAmount: 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 2019-05-24
Company: ARVEST BANK GROUP, INC.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Dear Arvest, Everything about Arvest is unnecessarily hard to deal with including this form. I have now had 4 telephone calls with Arvest over the last 6 weeks - averaging about 40 minutes each. I have also sent in more money than you said I owed both to make up for the shortfall in the escrow that you created and to overpay my monthly autopayments to make sure that the next time you fiddle with my monthly amount, Ive got a buffer. You still haven't fixed my account. You are still charging me late fees. You still have money that I sent you over a month ago, showing as unapplied payments that more than covers the amount you say I owe. You are still reporting me as paying late to credit agencies and ruining my credit for no reason. You leave me no choice but to communicate with your regulators.

I had this loan for years and never had any problems with it. No late fees, no miscommunications. Then Arvest bought the loan. Nothing but problems and a huge time XXXX. You said you would get to the bottom of this. You said you would make sure the payments are applied correctly. You said you would call me back. You have done none of these things. 

Have a nice day!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-13
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: Personal information incorrect

Complaint:
They got the wrong spelling of my name and wrong address and also wrong phone number the correct information that should apppear on my credit report is my name is  XXXX   XXXX   XXXX  and my address is  XXXX   XXXX   XXXX   XXXX   XXXX  maryland   XXXX and  my phone number is  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14
Company: ERC
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: Old information reappears or never goes away

Complaint:
I contacted the third-party collection agency I made an arrangement to settle what was owed but they still report me as derogatory on my credit report. I informed them that I was unhappy with that type of report could they please remove the derogatory statement and stop reporting it that way because I am trying to get a home and I cant because of the negative report and they denied me so I also said to them according to the fair credit report act I have a right not to have derogatory information in my report and they dismissed it

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hi, my name. is XXXX XXXX XXXX. I am reaching out. today. to have the following negative items removed from my credit report. The items I need. removed are listed. in the report attached. I have notified the companies. that I. did not make the charge. I ask that these items are deleted from my report in order to correct my credit file. These fraudulent charges are showing negative results on my credit report. I reported the theft of my identity to the federal Trade commission and I also attached copies of my federal trade commissions identity theft affidavit. Please remove these items as soon as possible.

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 2019-10-07
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
I continue to receive regular emails from Experian, including alerts notifying me of changes in my credit score, and warning me about changes to my credit report. When I navigate to the Experian.com web site, I am not able to log into the site. The web site tells me that my email address is not valid, even though it is the same email address where I am receiving the alerts. I have wasted hours trying to navigate the phone supoort, inputting all of the requested information to the automated phone system, only to have it re-direct me back to the website where I still can not log in. This is infuriating to say the least. The only reason I have an account with Experian in the first place is because my information was compromised by XXXX. Now, I am receiving alerts from Experian, but unable to access my account, view any details of the alerts I am receiving, or contact any person at 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 explanation
Consumer complaint received 2019-10-07
Company: U.S. BANCORP
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
In XXXX our credit card was stolen. We canceled the card with US Bank Visa. Card was then reissued. Bill for card did not show up until I called the company and asked where our bill was. I thought with the missing card and the re-issue everything got delayed. They said they had sent the bill out already and I said we never received it. They had sent the bill to our former address that we had not lived at for about 4 years. They corrected the mistake and sent me a new bill to our current address. We paid the bill and never gave it a thought again until this year when we added a new car to our insurance plan. My agent said our rate was increased because of a reduction in our credit score. My insurance company said the problem originated with our credit card company. I contacted the credit card company several times and they were no help and said we can't do anything about it. I then went XXXX XXXX and filed a complaint and they did nothing except send me a report showing my one missed bill with the credit card company that I already knew because they had messed up on the bill. So I have had to pay higher insurance rates as a result. I have never been late in paying my bills and the XXXX XXXX report verifies that fact. I'm very upset at the the system and I have cut up my credit card with US bank. I need our help to correct this injustice. Thanks you XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-15
Company: SLM CORPORATION
State: MO
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Hi, So I owe about {$25000.00} to Sallie Mae for my student loans. I pay about $ XXXX {$200.00} extra on my student loans every month and recently noticed that these extra payments were not being applied to my principal. I reached out to a sallie mae representative via their messaging system and inquired about how I could get my extra payments applied to principal only. The rep advised that payments are applied first to interest and fees and then to principal. I told him that I pay extra towards my loans every month and do not ever see a reduction to principal when I submit the extra payments. He said there is no way to have a payment applied as principal only. 

So with this information I have found that my extra payments roll over to the next month which leads to me being charged more interest than necessary since there is not a reduction to principal with the extra amount I am paying. 

In my opinion, this is criminal and should not be allowed to continue. I am trying my best to pay these loans off early to save myself money, however, after finding out that sallie mae is trying to make as much money off of me as they can, I see no incentive to continue making extra payments. How are any students, especially those who are unaware of what sallie mae is doing, supposed to pay their loans off in a reasonable amount of time? 

Please help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation