BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-04-21
Company: ALLY FINANCIAL INC.
State: NV
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I have requested a payoff letter with my name and the VIN number of the car from Ally on Monday ( XXXX/XXXX/2016 ). I was told that it would take 72hrs. Today is Wednesday ( XXXX/XXXX/2016 ) and I have n't received anything by either fax or mail. I have contacted Ally and they keep telling me to wait but it has been more than their allotted time frame and I really need this document. When I request the letter to be sent overnight by XXXX they ask me to pay for it. Why should I pay for something that they are already late for it? Everytime that I need something from Ally it always take 1-2 months. This is just the worst bank EVER. Never doing business with this bank again.

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 2016-03-23
Company: JPMORGAN CHASE & CO.
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Settlement process and costs

Complaint:
My wife and I purchased our home XX/XX/XXXX under an FHA mortgage from Chase. In XXXX XXXX, we refinanced with Chase to lower our interest rate a little. The refinance was also an FHA loan, so it included monthly PMI payments. As it 's been explained to me, PMI payments MUST continue to be made monthly for at least 5 years and the loan balance must be less than 80 % of the original assessed value in order to stop making PMI payments. When we refinanced, Chase 's representatives assured my wife and I that this 5-year mandatory PMI payment was based on the original date of purchase of our home in XX/XX/XXXX, not on the refinance date of XXXX XXXX, so we accepted the refinance offer even though the interest rate was less than half a percent less than our original XXXX. We were assured by Chase that this was the right thing to do, financially. In XX/XX/XXXX, I called Chase to ask what balance I needed to be at in order to stop paying PMI, and was told that I could n't drop PMI until XXXX XXXX at the earliest because the 5-year mandatory PMI payment resets from the date when we refinanced!! As a result of Chase 's failure to disclose this feature of the FHA refinance properly, I am now paying three more years of PMI premiums at a cost of several thousand dollars. When I asked Chase to stop charging me PMI, they hid behind the law. I told them I wanted them to pay the PMI out of their own ledgers since it was their deceptive practices that put me in this position, and they responded by parroting the terms of the refinance back to me and sending me a photocopy of a page from the mortgage documents that does n't address my fundamental problem. I understood the required 5-years of PMI when I got my original loan in XX/XX/XXXX, but nobody explained to me that the clock would reset when I refinanced! In fact, they told me the opposite. Chase argues that they disclosed fully, the nature of the loan, but they KNEW the terms of my original loan because they serviced it at the time of the refinance, and they ALSO KNEW the terms of my refinance because they wrote it?! Did n't it occur to anyone in their sales department to ask why a client would knowingly set himself up for another 3 years of PMI? As it turns out, my wife and I will probably stay in our home long enough that the refinance will end up making sense based on the interest rate being lower, but I should have started realizing those savings sooner if not for having been misled by Chase 's sales people.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-09
Company: JPMORGAN CHASE & CO.
State: IN
Product: Credit card
Issue: APR or interest rate

Complaint:
I was offered a credit card product that would serve as an overdraft protection option for my checking account. The program was offered at an introductory rate of 2.9 % and after the initial 6 month period would increase to the typical rate of 12.24 %. Instead of increasing to 12.24 % it went to 19.49 %. To summarize the impact what I ended up being charged was {$2200.00} in interest vs. {$1500.00}. So at the end of the day I 'm legitimately liable for the {$1500.00} and this is what I agreed to pay Chase. What makes this scenario worse is that I did n't realize they were only taking out the monthly minimum when I had more than enough cash in the account to cover the full balance. While it 's my fault for not noticing this fact earlier I could have paid far less than the {$1500.00}. I have since paid of all the principal balance on the account plus the {$1500.00} in interest. I have asked Chase on numerous occasions to credit my account for the remaining balance as a gesture of good will and to bring the overall annualized interest down to a reasonable 12.24 %. Even though I have filed a formal dispute with Chase they are now dinging my credit report. Despite my 20+ year history with Chase as a " valued '' customer the insist they are unable to credit my account for the overcharged interest. I will soon be closing my accounts with Chase in exchange for a local bank who truly values their customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-24
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I fell behind in my mortgage payments due to loosing my job and being a single mom. after several months I received a streamline modification package from chase, I had it notarized and sent back, then I got a call from chase stating the notary was not done correctly and they were sending me another package. I received XXXX package and had it notarized again and sent back, they said it was still incorrect and chase cancelled my loan modification. I dont know why I am being punished for notary error. I asked them to send me another package, they are refusing to do it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I booked a hotel stay from XXXX and financed it through XXXX XXXX the manager at the hotel named XXXX charged my credit card with no permission two weeks later I contacted the hotel chain no help I contacted XXXX they called hotel and claimed I was there those days on two occasions I called XXXX  XXXX to let them know I was a victim of identity theft and I filed a report with the FTC and sent them a copy no help from them I had paid XXXX XXXX XXXX while under investigation to keep any bad marks off my credit report this problem was 4 months old and no results because XXXX keeps appealing the dispute so I filed a claim with my bank and they got my money back, I payed twice once from my bank and once from a credit card. XXXX sent a notice and I told them I was a victim of Identity theft, and they can't add this to my credit report, they added the charge off to my Experian report I disputed it Experian says it stays on report they even have the FTC report the only thing I can think at this point is because they are the cause of letting charge off show on report I even contacted XXXX  XXXX  and explained what happened and I could send the FTC report and got no answer. just to recap my damages I payed XXXX XXXX times I was also charged a week of parking when i only stayed one night not a week my bank got XXXX back for me the rest is outstanding I can't rent a place to stay or they want double deposit I have been turned down for auto refinance a personal loan all because of XXXX  XXXX they sent an email to boast about what they did I have all receipts and FTC report and emails to prove I was checked out of hotel I stayed at another for two weeks straight

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 2022-05-24
Company: EQUIFAX, INC.
State: SC
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:
On XX/XX/XXXX, I contacted Equifax about the following negative accounts XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$18000.00} ), XXXX XXXX XXXX ( Date Opened XXXX XXXX, XXXX, Balance : {$550.00}, ), XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$430.00} ), XXXX ( Opened XXXX XXXX, XXXX, Credit limit {$300.00} ), XXXX XXXX XXXX XXXX  ( Opened XXXX XXXX, XXXX, Credit limit {$300.00} ), XXXX XXXX XXXX XXXX ( Opened XXXX. XXXX, XXXX, Credit limit {$300.00} ). Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have submitted many claims over the past six months regarding an account that appears on my credit history from XXXX XXXX showing a balance of $ 700+ owed. I have contacted them on numerous occasions ( transunion, XXXX, and now today, XXXX ) to explain that I had never opened another account with XXXX XXXX after an issue I had with them back in 2010 where they had charged me XXXX for multiple cash advances and charges made to the card. I never would go back to XXXX XXXX again, this account that shows up is not mine. Recently XXXX called me to explain that the gentleman who 's ACTUAL account it is resides nowhere near me, and his name is nowhere near mine. They immediately removed it off of my account, and removed the hard inquiries during that year period that showed up, that I never made. In fact both XXXX and Transunion were supposed to have a Fraud Hold in place, I 'm not sure how there could be any inquiry or card opened during that period without explicitly contacting me. Either way, after XXXX took care of the incorrect information I reached out to Transunion to do the same, they keep saying they have validated that the account is mine. I have explained to them multiple times that I was not even in the state at this point in time and could not have opened an account, let alone the fact that I was trying to rebuild my credit from the past problem with XXXX XXXX. I just reached out to XXXX as well and still have not received a reply. The information on the XXXX XXXX account has my wrong phone number, my old address, and the purchases were made in a state I was not in during that time. Please help me, I own XXXX businesses since the beginning of the year and the lingering bad credit is hurting my chances of expanding. Thank You!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-18
Company: Ocwen Financial Corporation
State: ME
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
In XXXX XXXX our daughter who was XXXX years old at the time had a XXXX within one week. She is know XXXX. My wife was forced to leave her job at the XXXX XXXX so she could take our daughter to multiple weekly appointments which continue today. Unfortunately the loss of her income did not leave us any choice but to file CHXXXX bankruptcy. The trustee made small monthly payments to OCWEN while we were under bankruptcy protection. Our case was discharged on XXXX XXXX XXXX. I have spoken with OCWEN several times over the past year and submitted paper work many times for a loan modification. Each time they said they never received all of the paperwork. My remaining balance with Ocwen is around {$100000.00}. I meet all of the criteria for a government loan modification yet they keep denying me. I have been forced to hire a law firm to protect my home. My current mortgage percentage rate is 9.2 %. If OCWEN would work with me and lower our interest rate and monthly payment, we could retain our home. Our home is the only thing my wife and I have and would expect OCWEN to follow federal guidelines and not give us the run around.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-01
Company: CITIBANK, N.A.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
XX/XX/XXXX I signed up for a Citigold checking account from Citi Bank under a promotional offer of XXXX XXXX XXXX miles. XX/XX/XXXX I sent a secure message to confirm that I met all the promotional requirements for the sign up bonus of XXXX XXXX XXXX miles. A Citi Bank representative XX/XX/XXXX confirmed that I had met all the promotional requirements and should receive the XXXX XXXX miles by XX/XX/XXXX. To this day I still have not received the sign up bonus of XXXX miles from Citi bank. After my first call to Citi Bank XX/XX/XXXX asking why my miles had n't posted they said they would open an investigation. Which they did and I received a letter from Citi Bank stating that in their own investigation they concluded that I had met all promotional requirements and was eligible to receive the XXXX miles. The letter also said all I had to do was call in and add my XXXX XXXX Frequent Flyer number to my Citigold account in order to receive the miles. I have now called in three times to add my frequent flyer number and still have n't received my promotional sign up bonus of XXXX miles. This is extremely annoying since I signed up under the terms of this bonus and now Citi is going back on their offer. It is a complete scam or Citi is just completely inept.

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 2016-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I have a hospital bill from XX/XX/2016 that my insurance for some reason would not cover. I was not properly notified of this due to change of address, so the bills did not reach me. My credit score just dropped from a XXXX to a XXXX. I never had a problem with resolving the bill before it reached this point, had I been properly notified. Also the balance amount of the account is {$780.00}, not {$790.00} as the collection agency reports. I would like this removed from my credit report as soon as possible. I have never missed a payment or not paid a bill. I am trying to buy a house and this drastically affects me in a negative way. thank you Old address XXXX XXXX, NJ XXXX New address XXXX Route XXXX XXXX, NJ 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 2015-10-16
Company: AMERICAN HONDA FINANCE CORP
State: IL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I purchased a vehicle in XXXX 2011 though Honda America Financial Services and was subject to discriminatory lending practices by way of a higher that normal interest rate given to XXXX XXXX Borrowers. I have spoken with XXXX representatives and neither was able to inform me of how to pursue restitution.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-04
Company: Ocwen Financial Corporation
State: MA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
We are facing foreclosure auction of our home of 26 years on XXXX XXXX, XXXX. Just a few days away. We have hired Attorney XXXX XXXX to file an injunction and a complaint against XXXX XXXX, Ocwen & XXXX XXXX. We have been fighting them since XXXX. We have absolute evidence they have no interest or standing in our mortgage /loan. They are not the original lender. They have filed for an illegal foreclosure XXXX times. They have charged us for illegal forced placed insurance and 13 % interest. Refuse to modify and constantly give us the run around. They have tried to have XXXX auctions regarding our home since XXXX XXXX. All postponed at the very last minute without the injunction being decided. They have a XXXX party trespass onto our property taking photos and trying to look into windows. We live in fear and terror every day. We are afraid to leave our home i fear they will break in. 
The injunction was denied last week. Attorney XXXX states there is nothing he can do to stop the auction, even though we have an active complaint. We may be forced to file ch.XXXX to try to prevent the auction. 
This loan is a high cost predatory loan. We lost a rescission case in XXXX. Had not heard from Ocwen / XXXX for 3 years after that. They filed the order of notice in XXXX of XXXX. We filed our complaint that same month. 
We are beyond stressed not knowing how we will survive. 
The courts are absolutely biased against the homeowner. They do n't want to hear the facts. They just rubberstamp the forclosures. 
We are not trying to get a " free Home ''. We had job loss and illness which caused us to fall behind in payments. Our home is valued at XXXX and the loan was orig. XXXX. 
There is equity. 
Any help would be greatly appreciated to guide us through this nightmare. 
We know we are not alone in this injustice. 
Thank you for any guidance.

Company response to consumer: Closed
Consumer complaint received 2015-05-21
Company: Pacific Union Financial, LLC
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
During the transfer of my loan from my loan originator, XXXX XXXX XXXX to Pacific Union, there was a miscommunication that has resulted in an unnecessary increase in my monthly mortgage payment. When I closed in XXXX of XXXX with XXXX, my mortgage payment was {$910.00} a month. While the loan was being transferred, Pacific Union Financial instructed my loan originator, XXXX XXXX XXXX, to hold half of my escrow from when it was set up at the closing plus the first mortgage payment I made in XXXX XXXX to cover the 1st half of property taxes due in XXXX XXXX and the first mortgage insurance payment to HUD. Instead of following their own instructions, Pacific Union Financial decided to make the 1st half of tax payments due in XXXX XXXX and this caused my escrow balance to go to a negative balance. Also, my homeowners insurance quote I received at closing ( {$480.00} ) and the final amount for the policy ( {$710.00} ) changed several months later. When my mortgage servicer performed their escrow analysis in XXXX XXXX, they miscalculated the amount of homeowner 's insurance and the shortage in my escrow account due to Pacific Union Financial paying the property taxes earlier than they had agreed. I have attempted to get this resolved internally with the escrow department but I do not seem to be getting anywhere for someone to properly research the issue. This has caused my payment to rise to {$990.00} a month to make up the difference in my escrow account. I fear that once my local county tax commissioner 's office sends out the tax bill for this year ( XXXX ), there will be another issue because my tax bill will be reduced from the previous year. If you need to reach me for further assistance please contact me at XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Upon reviewing my credit report from, TransUnion, I noticed several unauthorized inquiries listed under my file. I contacted TransUnion via certified mail on XXXX XXXX, 2016 requesting the inquiries to be removed and provide documentation bearing my signature. TransUnion responded saying the inquiries were verified and factual. In the letter sent to the bureau, I requested verification and validation but the company failed to comply. I called on XXXX XXXX, 2016 ; I called TransUnion in response to the letter and asked that the inquiries be removed from my report. I called Trans Union again on XXXX XXXX, 2016 regarding the inquiries and the agent was not helpful. The agent declined to do so and stated the information will remain for two years. The inquiries are as follows : XXXX, XXXX, XXXX, XXXX and 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 2016-01-14
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Ocwen Loan Servicing received my mortgage payment on XXXX/XXXX/2016 & recorded it into my mortgage history AND then returned said payment to my bank account recording my payment as late. 

I contacted Ocwen who said they would not provide me with a reason for my payments return and now that they recorded my mortgage as late after receiving said payment I want evidence they were at fault.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-08
Company: Ocwen Financial Corporation
State: AL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
We are disputing a late payment that was sent on time for XX/XX/XXXX and is on my credit report as a late payment. A payment was sent for {$1500.00} come to find out they never notified us that they went up on the payment and we never received nothing in writing or phone call letting us know that we were short on our payment. Ocwen Loan Servicing received the payment and held the payment in a suspended account and did n't contact us regarding the payment was short. They did n't post the payment until 30 day later when they received XX/XX/XXXX payment. In XX/XX/XXXX we where notified that the payment was short and we sent and addition amount to bring the account up to the right amount, why this was not done in XX/XX/XXXX to avoid a late payment no answer from Ocwen Loan Servicing. We contacted the office and spoke to someone regarding this matter first, we where told that it was not on our part and they would correct this error, now they are saying that the late payment will remain. We are in the process of trying to close on another home that we have purchase and this is showing up on my Credit report as being 30 days late which is not true because I sent the payment and they held the money in a suspended account without notifying me it was short or the amount was increase. My VA loan was denied because of this. I submitting a letter to Ocwen Loan Servicing regarding this matter and they refused to remove the late payment.

Company response to consumer: Closed