BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-21
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: IN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
At the beginning of XXXX our loan was transferred from XXXX XXXX XXXX XXXX to Rushmore Loan Management. I asked the to remove the mortgage insurance from my loan. which should have been done several years ago. i have a letter from them stating my loan to value is 70 % but they are refusing to remove the PMI it should have fallen off long ago. The readily admitted i was at 70 % LTV in the letter but said I needed to pay {$600.00} to {$1000.00} for an appraisal first. WHAT.. it was supposed to automatically fall off the loan when i got to 78 % LTV. Appraisals do not cost that much in Indiana and it is complete non sense to make a borrower pay for an appraisal when you clearly see that we are way below the LTV.. i am in the mortgage business and I know how things should work. the PMI should have been removed from my loan a long time ago and XXXX XXXX would not remove it. Our mortgage is paid up to date there is no reason to keep charging me {$50.00} a month for PMI when my LTV is less than 78 % The balance on my loan is {$130000.00} the current market value of my home is around {$240000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28
Company: Bread Financial Holdings, Inc.
State: IL
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 did not authorize anyone employed by these companies to make any inquiries and view my credit report. Fraudulent Activities has been reported. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX Comenity bank/XXXX  XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
In XXXX of 2022 my SSN was compromised, my debit card which is set up to make payments for Kohl 's card was compromised therefore making my XX/XX/2022 late. My back froze and canceled my activities during the week of compromise. The comprise of my SSN took place on a holiday weekend, therefore resolving my issue with my bank due to compromised SSN further delayed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-22
Company: Ocwen Financial Corporation
State: NH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
PHH mortgage was Ocwen in XX/XX/XXXX. My mortgage was at the end of its 15 year term so I refinanced with them to get my ex husbands name off, another 15 years and to get caught up with back payments. I got approved in XX/XX/XXXX and they sent me {$70.00} back because I overpaid. Then immediately after they turned into phh mortgage. Thats where the real nightmare began. I couldnt reach anyone after multiple attempts to call them. The customer service people I talked with wouldnt tell me how to get online to pay because they said I was in bankruptcy. That was in correct. They put my name back to XXXX  and sent my ex husband demanding letters as well when he is no longer on the mortgage. In XX/XX/XXXX they sent me a letter saying if I didnt pay {$4700.00} and something before the XXXX my house would be up for auction. We paid the money. Not even three weeks later my house is up for auction! They said i owed {$4300.00} from XX/XX/XXXX ( false I paid it in XX/XX/XXXX ) and ocwen would have never refinced me or sent me  back money because I over paid! And they said they put my house up for auction because I didnt make the XX/XX/XXXX payment. Wrong again! I filed with nh banking commission and they said they closed the case because they straightened out my name and bankruptcy however the major issue is where is my {$9000.00} and why is my house up for auction??!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-29
Company: Experian Information Solutions Inc.
State: TX
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:
Approximately XX/XX/2020 I reported attempted fraud to XXXX, XXXX, XXXX Card, XXXX XXXX, XXXX, XXXX XXXX. On XX/XX/2020 I froze my credit reporting with XXXX, Experian & XXXX XXXX to prevent any future attempts. 
I started receiving credit denial letters from XXXX ( 2 ), XXXX XXXX, XXXX XXXX ( 2 ) that I did NOT apply. One of my concerns is the negative report status shown on credit reports that would hinder my ability to be granted credit if I need. I am sending this letter to all three credit reporting agencies and FTC.GOV.

It would be appreciated that all receiving this letter would take the appropriate action in protecting and my credit status.

I CAN NOT GET COPIES OF MY CREDIT REPORTS. IT IS IMPOSSIBLE TO TALK TO ANY OF THE 3 REPORTING AGENCIES. MUST BE DONE BY fax AND I HAVE NO FAX
MACHINE AND ups store WILL CHARGE {$18.00} PER AGENCY x 3 EQUILS {$55.00}!!

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 2017-11-12
Company: AMERICAN EXPRESS COMPANY
State: AL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Credit line of {$1000.00} has turned into. Almost {$1900.00} in fees on a account that is not open

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-22
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:
I dont believe that these accounts are correct, but they are being reported to my credit, and I am trying to make sure everything on my credit is correct. I never had this accounts, i believe, that somebody applied on my name.

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 2020-01-22
Company: Conduent Incorporated
State: AL
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
Hi. 

I transferred my funds via the bank transfer option available on the Way2Go website. I provided the correct routing and bank account number. Ive waited and waited, and it has been more than enough time for the funds to show in my bank. Ive asked my bank, and they dont see anything either. 

However, on the card activity, it shows Transfer ( name of my bank ) /cleared. 

The money is literally missing. And there is not one single way to speak to a human being. Ive called and been going around in circles with people giving the same numbers, which either say they are not in the same department, OR its a complete automated line. 

Finally I found ONE customer service number that actually seemed I was going to be able to speak to a human. I called, and I stayed on hold for 20 minutes. A generic recording telling me all our representatives are busy, please continue to hold. I completely understand it takes time and have no problem waiting. However, it started to seem as though there was not even anybody on the other end at all. The same recording and horrible waiting music continued for 20 minutes and I hung up. 

I have no way to find where they put my money. The card balance is {$0.00}, so the funds went somewhere. But where? Its not possible to ask a human to look into the details to see if there was an error, if its gone into someone elses account, etc. I am not a difficult person, but this is just absolutely ridiculous. 

How does money disappear into cyberspace? Why is there not any possible way to get actual help when these things happen? At this point, I am more upset that there absolutely nothing I can do about the missing funds. This is child support money. I am living paycheck to paycheck. My power bill and car insurance is due. I need help. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-22
Company: EQUIFAX, 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:
I recently looked over my credit report and I noticed some false accounts that were reported on my credit file. These derogatory accounts do not belong to me and I have no memory of these accounts. I have no idea who or how someone could have access to my credit report. Now because of these accounts, I have no chance of acquiring new credit. Please conduct re-investigation into this matter and have those derogatory accounts removed off my credit file

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-22
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:
I recently looked over my credit report and I noticed some false accounts that were reported on my credit file. These derogatory accounts do not belong to me and I have no memory of these accounts. I have no idea who or how someone could have access to my credit report. Now because of these accounts, I have no chance of acquiring new credit. Please conduct re-investigation into this matter and have those derogatory accounts removed off my credit file

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 2020-05-13
Company: Experian Information Solutions Inc.
State: DC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
In XX/XX/XXXX I place a freeze on my credit with Experian, by telephone. 

On XX/XX/XXXX, I placed a temporary lift of the freeze, by telephone. 

On XX/XX/XXXX, I tried to reach Experian by telephone, at all ALL 3 of the telephone # s I was able to find on their site and on the internet. No one answered. And I was never provided with any option for waiting for a representative. I got stuck in an automated system. So I am unable to manage my credit freeze. 

There was no option to ask for a call back, no recourse at all. 

While I appreciate that we are in the covid times, I find this highly alarming and inappropriate, as Experian manages critical financial information. 

I am at a complete loss and don't know what to do. 

( Yes, I tried to create an online account to take care of this, but was unable to put the freeze back on. )

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 2020-08-29
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
American Express opened an account under my name without my permission in XXXX and I didn't notice nor report it until XX/XX/XXXX after checking my credit score. It is still listed as a closed account but it is identity theft and should not be under my name in my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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:
This card was used by a former spouse. Then he went bankrupt. He was very ieving.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05
Company: LoanCare, LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Currently in forebearance ; have tried to contact about loan modification the last two months without response via online, phone, and email. As of XX/XX/2020 it shows a investor full settlement even though we have requested a loan modification and have not been notified. Why isn't my servicer answering any of my correspondences? 

XXXX XXXX  - Loancare Servicing XXXX XXXX XXXX XXXX  XXXX VA 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 2018-03-29
Company: ALASKA COMMISSION ON POST SECONDARY EDUCATION
State: AK
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
The Alaska Commission on Postsecondary Education ( ACPE ) failed to properly notify me of the transfer of my loan from default to the collection agency based in Indiana XXXX XXXX XXXX XXXX XXXX ( XXXX ), and they also violated the state statute AS XXXX period of 30 days between their alleged notification to me and transferring the debt to the collection agency. Thereafter, in the effort to resolve and settle my student education loan debt with the collection agency XXXX, there have been many conflicting statements and advice from both the ACPE and XXXX. ACPE tells me I must settle the loan with XXXX and likewise XXXX tells me I must settle the loan with ACPE. Neither take responsibility for agreeing upon a settlement with me and have been unreasonable in their treatment of my debt case. I would like to note that my father sent a check of 50 % of the original balance of {$34000.00} to XXXX to settle the loan debt completely on XX/XX/XXXX, however it was rejected by XXXX as they stated they did not have a settlement agreement on file from ACPE. Therefore I sent the settlement offer in writing on XX/XX/XXXX to ACPE. Currently XXXX is reviewing my offer, and financial form documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-29
Company: AMERICAN EXPRESS COMPANY
State: NJ
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:
In XXXX, I was laid off my job. I immediately contacted AMEX regarding my Platinum card. They advised that they would help me establish a payment plan and the card use would be placed on hold. Until this juncture, I had been a current customer for almost 5 years. A positive and lengthy history. 

The arrangement was to pay monthly and all past due balances needed to be paid in full by XX/XX/XXXX. I satisfied this payment arrangement and AMEX waived the XXXX annual fee but restricted access to credit to a {$1000.00} dollar limit on this card. This is a high annual fee card, {$490.00} a year. I asked when the {$1000.00} dollar limit restrictions would be lifted. I was advised I needed to provide another year of history. 

A year later, XX/XX/XXXX, I had to pay the {$500.00} annual fee but AMEX still has not removed the {$1000.00} limit restriction. They also will not provide an estimate of when they will remove any internal credit limit restrictions. Additionally, for the year of XXXX, they incorrectly reported to the credit bureaus that I was under a payment arrangement. The payment arrangement was satisfied over a year ago. I had 1-30 day past due over a 5 year history and this is being considered a negative on my credit reporting due to how AMEX is improperly reporting my credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-07
Company: Experian Information Solutions Inc.
State: MD
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 3 unauthorized credit inquiries on my credit reports from XXXX XXXX XXXX XXXX  from XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I did not authorize any of the inquiries from those dates.

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 2021-01-28
Company: BROKER SOLUTIONS, INC.
State: SC
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I had been shopping around for a mortgage refinance and was looking to get loan estimates from multiple lenders to ensure I was getting the best deal while rates are so low. In that search, I came across New American Funding and found its terms appealing. I first spoke to XXXX XXXX, a Sr. Loan Officer at New American Funding , over the phone on XX/XX/2021. After we spoke, he emailed a short breakdown of possible refinance options that we'd discussed. He specifically told me I could apply and then look at the loan estimate to see if I would be happy with it before providing them with the required documentation. I proceeded to submit a formal application using the link he provided that evening. Two days later, XX/XX/2021, I checked the website and noticed it was asking for multiple documents from me without providing a loan estimate. I replied to his initial email and asked for an estimate because I wasn't able to see one on the website. XXXX did not respond to this email. The next day, XX/XX/2021, I forwarded the same email to him and asked for an update. He responded that evening by asking how much my home was worth and how much I pay in taxes/insurance ; I provided those numbers shortly thereafter. Monday, XX/XX/2021, I sent another email letting him know I'd gotten my appraisal back and the value of my home came back a little higher than I'd initially said, and asked for an update. Late that evening, he sent a Link to eConsent for faster loan processing -- again, with no loan estimate provided. I responded to the email saying I was just asking for a loan estimate. Later, I consented just in case that was preventing me from receiving the loan estimate ; it was not. Yesterday, XX/XX/2021, I still had not heard back from XXXX and still have not received the requested documentation, which other lenders have been prompt to supply and have been very responsive about. NAF made a hard inquiry on my credit for this refi application but provided me with nothing ; now all they've done is lower my credit score. Per CFPB guidelines, lenders must provide a loan estimate within 3 business days of receiving an application. New American Funding is in clear violation of this rule. It's clear that XXXX and NAF do not value the customer experience or care enough to obtain more business. This has been incredibly frustrating, and ultimately disappointing as I was genuinely considering refinancing my home through NAF.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-06
Company: Navient Solutions, LLC.
State: MO
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:
School XXXX  XXXX  Lender XXXX XXXX XXXX XXXX  Guarantor XXXX XXXX XXXX/NAVIENT Disbursement Date XX/XX/XXXX Original Principal {$6000.00} XXXX  XXXX Lender XXXX XXXX XXXX XXXX  Guarantor XXXX XXXX XXXX/NAVIENT Disbursement Date XX/XX/XXXX Original Principal {$1000.00} School XXXX   XXXX  Lender XXXX XXXX XXXX XXXX   Guarantor XXXX XXXX XXXX/NAVIENT Disbursement Date XX/XX/XXXXXX/XX/XXXX Original Principal {$3500.00} School XXXX XXXX Lender XXXX XXXX XXXX XXXX Guarantor XXXX XXXX XXXX/NAVIENT Disbursement Date XX/XX/XXXXXX/XX/XXXXOriginal Principal {$3500.00} XXXX  XXXX Lender XXXX XXXX XXXX XXXX Guarantor XXXX XXXX XXXX/NAVIENT Disbursement DateXX/XX/XXXXOriginal Principal {$6000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
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:
My identity has been stolen and ran through several credit card companies dating back to XX/XX/XXXX. My credit was ran XX/XX/XXXX by Cap One NA to open up a credit card. On XX/XX/XXXX my credit was ran by XXXX for a credit card. I have not made any of these inquires and have spoken to each company several times to get them removed off of my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-28
Company: CBC Companies, 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:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XXXX XXXX, XXXX, FACTUAL DATA add a hard inquiry on my credit reports. 
On XX/XX/XXXX, XXXX XXXX XXXX add a hard inquiry on my credit reports. 
On XXXX. XXXX, XXXX, XXXX. XXXX, XXXX, XXXX add a hard inquiry on my credit reports. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with explanation