BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-05-23
Company: Seterus, Inc.
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I received my mortgage statement, due for XX/XX/2018. On that statement, Seterus, the servicer failed to account for receiving my mortgage payment on time, on XX/XX/2018. I have proof of payment from my bank, showing the electronic transfer being received by Seterus ( attached ). 
Instead however, Seterus dated my XXXX mortgage statement on XX/XX/2018, five ( 5 ) days before the date the payment is considered late and assessed a late fee. 

Again, XXXX received my mortgage payment on time and I have proof. Nonetheless, they assessed a late fee -- this is in violation of the Note and Deed of Trust, which states the payment is not late until the XXXX of each month. 

This must be a newest/lateest tactic to assess late fees .. telling the borrower he/she is late even before the late fee can legally be assessed. 

Moreover, my XXXX mortgage statement was not received in the mail until XX/XX/2018. It does not take 10 days for the mail, so the fact that the statement is dated XX/XX/2018 means they held on to it before placing it in the mail. 

This company should not be servicing loans. 
A few months ago I was forced to file a complaint because for over 1 year Seterus refused to send me my statements in the mail. 
And, now that they have finally started sending me my mortgage statement in the mail they are assessing late fees prior to the date they are legally entitled to do so.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
3 separate hard inquiries were made on my credit report that I did not authorize.

2 on my XXXX  made XX/XX/2021 1 on my TransUnion made XX/XX/2021 -XXXX XXXX XXXX/XXXX XXXX -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 2021-09-16
Company: SYNCHRONY FINANCIAL
State: TX
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 Paypal account with promotional balances. I made the standard payment which the company allocates payment to their discretion. However, I made another payment to pay off the balance of {$180.00}. The credit card company refuses to post my extra payment to my request. I have called several times and each time I am told they will look into it. It is a month now and a new payment is due. I demand my additional payment be posted to where I request it.

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 2019-05-07
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: Information belongs to someone else

Complaint:
For some reason there is a bankruptcy that is reporting on my credit file in error. I have contacted the credit agencies to dispute this issue and they refused to remove this inaccurate reporting from my credit file. I contacted the courts to ask if they submitted this erroneous information to the credit bureau and they sent me a response stating that they do not provide information to the credit agencies. Please assist me in getting this erroneous information removed from my credit reports.

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 2017-02-02
Company: SYNCHRONY FINANCIAL
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
I have made a payment each month as required to my account from day one to Synchrony Financial. 
After they receive my payment in the month due, if it is received a day early, they will post my payment to the previous month and then charge me a late fee for the month that they received the payment a day or two early.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16
Company: Mr. Cooper Group Inc.
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I put a mortgage in pandemic forbearance with Mr. Cooper ( Nationstar Mortgage ) in XXXX of XXXX. I have continued to make ongoing payments to this account throughout the pandemic however the account is not current. The payments made to the Nationstar Mortgage have been made through XXXX  XXXX XXXX Bill Pay. 

ALL OF THESE PAYMENTS HAVE BEEN ROUTINELY APPLIED TO MY ACCOUNT UNTIL XXXX OF XXXX. 

In XXXX of XXXX I began reaching out to Nationstar to bring the account out of forbearance. I told that I could make additional payment of {$3000.00} and {$2800.00} in the month of XXXX and then be enrolled in a post forbearance repayment plan that would be roughly {$3400.00} a month for 6 months. During 2 recorded conversations I was assured I would be able to do this beginning in XXXX of XXXX. 

On XX/XX/XXXX and XXXX I made payments of {$3000.00} and XXXX per agreement on a recording line through my bill pay ( as I have done for years ). As of XX/XX/XXXX, the payments had not posted to the account in question however they did accept payment on an account that was not in forebearance. 

For 15 days the money I paid on the account has not posted and I opened an inquiry with XXXX  XXXX XXXX. Multiple calls to Nationstar and emails of data with proof of payment did not move Nationstar and they continued to blame XXXX  XXXX XXXX. 

on XX/XX/XXXX XXXX  XXXX XXXX provided proof that Nationstar had REJECTED THE PAYMENTS. 

I made online payments of {$3000.00} and {$2800.00} on XX/XX/XXXX while on the phone with Nationstar, they are in agreement that the payments are pending posting. 

on XX/XX/XXXX I again reached out to the Pandemic ( Loss Mitigation ) department to confirm I would be able to be enrolled in a pandemic program as was discussed in XXXX of XXXX and I was told I would not be able to enroll in the program previously discussed and the company does not provide accurate information or a program for my bringing the account current. I am reaching out to your agency to investigate their business practices as it relates to pandemic forbearance and repayment of loans impacted by the global crisis. 

My questions : why were my payments rejected in XXXX Why have I received no written notification of my repayment options and why do the terms and payment amounts change every time I reach out to them What are the standard guidelines they are using to help bring homeowners current

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-20
Company: SUNTRUST BANKS, 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: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/2019, I was provided an approval for a loan, which I had already received several offers and pre-qualified. I submitted the necessary documents that were requested. I was then notified that I was unable to receive the loan even though I was " pre-qualified ''. I then notified a hard inquiry on my credit that I do not recall consenting to.

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 2017-11-20
Company: AES/PHEAA
State: MD
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I spoke with Employee ID # XXXX regarding a public service student loan forgiveness certification received dated XX/XX/XXXX with an estimated discharge dates ( XX/XX/XXXX - XX/XX/XXXX). I informed the employee that my correspondence dated XX/XX/XXXX states estimated student loan forgiveness ( XX/XX/XXXX - XX/XX/XXXX). Upon further investigation I learned that 12 payments were not credited towards student loan forgiveness due to an administrative error were overpayments reduced the statement due balance sent the following months. When paying the statement balances, these payments were not credited toward student loan forgiveness even though I paid the amount of the monthly statement as required ( see student loan payments highlighted in Red for details ). These administrative errors and miscommunication presents an economic hardship and it 's not fair to the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-01
Company: EQUIFAX, INC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX/XXXX / {$790.00} / {$2000.00} / {$1200.00} Opened XX/XX/XXXX This was open fraudently and I have reported it numerous times and Equifax has it on my credit file now as closed and it needs to be deleted. 

XXXX / ACT # XXXX / Opened XX/XX/XXXX {$7700.00} This was open fraudently and I have reported it numerous times and Equifax has it on my credit file now as closed and it needs to be deleted. 

XXXX / ACT # XXXX / Opened XX/XX/XXXX $ XXXX {$180.00} This was open fraudently and I have reported it numerous times and Equifax has it on my credit file now as closed and it needs to be deleted. 

Inquries that are due to Fraud! I have not been able to get into my Equifax Credit report for some time now and it is because every time I call I can not get into the file with an agent because of all the Fraudlent items opened on my account that I am not able to verify because they are not mine! I was finally able to go online and see my report and as I thought all types of fraudlent things are there. Over 20 inquiries that I sent in a dispute for on XX/XX/XXXX and they most likely will not delete them as usual. It is runing me from purchasing things that are needed to survive in life. 

Inquiries : Fraudulent! 
XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX - XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-08
Company: Experian Information Solutions Inc.
State: MI
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:
Both XXXX XXXX CLOSE accounts on my credit report show different dates of last activity. Remove immediately due to inaccuracies

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 2019-03-28
Company: EQUIFAX, INC.
State: MO
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 canceling credit monitoring or identify theft protection service

Complaint:
On XXXX2019 I sent Equifax a copy of my police report proving that I had some identity theft on my credit report. It has now been 30 days and I still have not received a response and these fraudulent accounts are still listed on my credit report. I have attached a copy of my police report also.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My loan was originated and serviced by united wholesale mortgage from XX/XX/XXXX until XX/XX/XXXX. my loan was purchased for servicing by Chase Home mortgage on XX/XX/XXXX. the letter for servicing stated that none of my loan details would change. however, they have since changed the monthly amount of my PMI ( increased ). and my loan had an escrow waiver. my taxes are on auto pay and due quarterly. next payment was due XX/XX/XXXX. the payment was made by me on XX/XX/XXXX. noticed i had an escrow advance on my account with Chase, and increased my balance by the amount of quarterly taxes ( XXXX ). Chase told me that they have the right to pay my taxes since they have ownership interest in my home and said they can not refund me my money. they are opening a case about it. they unethically and unlawfully spent my XXXX dollars without my consent. i have never signed a document for chase mortgage. in essence chase mortgage has robbed me and doesnt own up to it or look to help out in any way.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-23
Company: Experian Information Solutions Inc.
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: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX has listed me as an authorize signer on a credit card which I never signed authorization for or gave permission to report on my credit report. I have made investiagations with Experian to have removed from my credit as the balance keeps increasing and causing my credit score to decrease. I want XXXX XXXX deleted off of my credit report and Experian has stated they are not able to. However I report this investiagation to the other credit bureau agencies and they have deleted Experian is the only company. I have sent an investigation almost every month since XX/XX/2017 and they still have yet to remove from my credit.

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 2021-09-02
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: Credit inquiries on your report that you don't recognize

Complaint:
An attempt was made to resolve the negative inquiries on my credit report with Equifax Credit Bureau due to fraudulent activity. This occurred on XX/XX/2021. They refused to assist me and directed me back to the creditors. I informed them that contact was already made with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-07
Company: Freedom Mortgage Company
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I purchased the house in XXXX for {$560000.00} and had no issues paying the mortgage until I was XXXX and my livelihood was taken away from me. 
I filed for a hardship starting in XXXX of XXXX to modify my loan with XXXX XXXX XXXX due to my business being fairly new and income low. 
The current loan and PMi payments are {$4200.00} which also includes taxes. I could have afforded a payment of {$2800.00} to $ XXXX  monthly had they approved by initial request for a modification. Instead they declined for whatever reason. 
We started a second modification process in XXXX, and I submitted a full file with P & L, bank statements, and after a long review in XXXX they declined stating that I didnt make enough money. 
We appealed again in XXXX and they declined. 
In my p & L submissions, I have had the ability to pay the modified loan amount, but the lender declined because I have significant equity in the house My total outstanding loan today is {$570000.00}, which includes 14 months of payments that have not been paid and the house value is {$750000.00}  Declining the modifications is predatory lending because I followed the process and if they had modified the loan in XXXX, I would have been current on all my payments, but they kept delaying it and eventually declining

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 2019-10-01
Company: Experian Information Solutions Inc.
State: NY
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 purchased a car on XX/XX/2019. I was not told nor did I allow my credit to be ran over 4 times. Now I'm left with multiple inquiries for 1 car and I haven't get approved for anything due to excessive inquiries.

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 2019-03-28
Company: AES/PHEAA
State: WI
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:
XXXX XXXX XXXX is a fradulent school that was shut down by the school board. 

I had attended XXXX XXXX in XXXX for about 2 months. They told me and my dad i did not qualify for complete financing and that we had to get a PRIVATE loan together through XXXX XXXX and that we would have to pay the full tuition upfront and if i ever wanted to come back i could if i needed to take time off. So i had gotten a new job around the time i started school and it became to much for me to juggle. I stayed with the job and im still with the same company to this day. XXXX i had tried to go back to school but they requested another XXXX XXXX private loan pulled out for me to go back to class. in which i already payed XXXX for 2 months. Me and my dad had contacted the school multiple times after that to have whatever was left of the money we paid to be returned to XXXX XXXX. Ignored our calls and never got a response. They had now shut down the school for fraud and i am here years later still owing XXXX JUST IN PRIVATE and XXXX in Federal aid for fraudulent schooling who stole money. Ive tried everything to get some help about this situation and i cant catch a break. I have been paying 300+ a month for the last 6-7 years and XXXX XXXX told me i  still have another 22 years before its paid off. 


As far as documentation i have the loan papers from XXXX  XXXX  and getting a hold of anything XXXX XXXX to get my actual school documents is going to be impossible. Any other information needed please let us know so we can try and get this taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-01
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I tried to apply for a mortgage on XX/XX/XXXX with several different lenders. Each of the lenders was unable to pull my Equifax credit report. XXXX and XXXX have had no problems and each report my credit card that I have had since XX/XX/XXXX. I called Equifax and was asked to fax in copies of my Social Security card and Driver 's lisence to verify my identity. I faxed in the documents on XX/XX/XXXX and waited the 7 days that they asked to process the documents. Even with the help of the documents, Equifax was unable to find any record of me in their system. Equifax asked that I reach out to my bank to verify that they send my credit card report to Equifax. I talked with my bank who verified that my statements have been sent and confirmed by Equifax ( See attached email ). My bank and I both reached out to Equifax on XX/XX/XXXX and have not been able to get a response from Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-01
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
To whom it may concern.Ocwen changed its name to PHH mortgage.Several issues.My account can not be located online but I recieved written correspondence Noone available via telephone.Payment not applied..I use online billary via my financial instituation therefore payments can be tracked.Mortgage amount is not the same as under Ocwen.No available mortgage identification number can be located on the internet.Thank you.Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-01
Company: Navient Solutions, LLC.
State: AL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I attended XXXX University for XX/XX/XXXX-XX/XX/XXXX, but was withdrawn due their changing the XXXX track for XXXX XXXX and a balance due of {$1100.00}. A loan of {$20000.00} was paid to XXXX, an interest check of {$20000.00} was paid to XXXX in XX/XX/XXXX by Navient. This was initially Sallie Mae. Since this time, the {$20000.00} loan has accrued interest totally {$250000.00} as of XX/XX/XXXX. The monthly payments average {$2500.00}. I can not pay this amount and should not be required to pay this high interest. Furthermore, I did not obtain a XXXX degree from XXXX. This high balance has affected by credit, getting employment, loans, and overall way of life. I have been unemployed for almost two years, but may be able to settle this account for a one time payment of {$2500.00}, with a  forgiven balance, with this high account be removed from my credit history.

Company response to consumer: Closed with explanation