BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-01-03
Company: CNG FINANCIAL CORPORATION
State: CA
Product: Payday loan
Issue: Received a loan I didn't apply for

Complaint:
Today I received a call from a lady at an agency who claims they were hired by Check N Go to notify that I had defaulted on a load. The agency number is XXXX. She said the loan was established on XX/XX/XXXX and charged off on XX/XX/XXXX. I can say without a shadow of a doubt that I did not apply for said loan. I have the XXXX app and to date this loan has never appeared.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-13
Company: Navient Solutions, LLC.
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
I have XXXX loans handled by Navient. When I submitted an income driven repayment application in XX/XX/XXXX, they acknowledged that they had received it. ( XXXX, which has another loan of mine, acknowledged it, too, and I had not issues with them. ) However, they continued to bill me for a huge amount of money saying that the paperwork was being " processed. '' Eventually, I was required to submit additional information that I had already submitted with a subsequent delay until a time came when I just stayed on the phone with them for over an hour making them figure it out. They apologized and said that I owed them nothing. However, they apparently were accruing late fees that they did n't tell me about and now are saying that I Have to pay more than {$300.00} in late fees, some of which they claim were on my account from XX/XX/XXXX when I was in XXXX school full time and had a deferral. They will not help me on the phone other than to say they will " review '' it. They are charging me more than double what XXXX is on my current income driven payment plan, even though my loan amount is half at Navient. I feel like they are purposefully engaging in unethical activity in order to try to get more money out of me than is fair. I am perfectly willing to pay the money I owe and do n't even care that my monthly payment is higher at Navient than at XXXX. What I care about is that they are unfairly penalizing me for issues that are their fault not mine. They have been uniformly difficult to deal with and have had " hidden costs '' that feel like they are trying to trick me into paying more than I should.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 contacted Transunion to inform them of unauthorized inquiries made on my credit I was a victim of their inquiry issue they said nothing could be done

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 2017-02-18
Company: JPMORGAN CHASE & CO.
State: VA
Product: Credit card
Issue: Application processing delay

Complaint:
My husband and I submitted applications for the Chase XXXX Visa Card on the same day ( I believe XX/XX/2017 ). We were both told approval status was pending. My husband received two letters telling him he needed to contact Chase to verify that he had, in fact, submitted the application. I never received any letters. When my husband called on XX/XX/2017, he verified his identify and was approved. I then inquired after my application and was told it had expired and could n't be reactivated as it was out of the 30 day reactivation period. I asked to be connected to a manager and, after being put on hold for 20 minutes, was hung up on. I called again and was told I would receive a call back within a hour. I told them I was willing to wait, but they said that was n't possible. I received a message 3 hours later. I called back a third time and was finally connected to a manager, who again informed me I could n't have the application reactived because I was out of the 30 day period, even though I never received the letter and had applied on the same day as my husband. I would reapply but the card is no longer open for applications.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-27
Company: General Motors Financial Company, Inc.
State: MI
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Problems when you are unable to pay

Complaint:
My husband and I leased a XXXX back on XX/XX/XXXX. In late XX/XX/XXXX early XX/XX/XXXX my husband was XXXX. They gave him 6 months to live. He passed away on XX/XX/XXXX. He was XXXX and I am XXXX. Due to the change in income, I am also retired, I am unable to continue making the high payment. I have talked to numerous XXXX and GM financial and nobody can help me. Is n't there something that can be done in a situation like this.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-17
Company: Navient Solutions, LLC.
State: WV
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I recently lost my job, which paid pretty well, and had to get a minimum wage job. I contacted Navient to try and do an income based repayment plan ; the first woman I talked to said they did n't want to do that because I 'm a " risk. '' The second person I talked to said I, along with my cosigner, had to submit copies of all the bills we have to see if we even qualify for income based repayment. I have another loan with XXXX, and it was n't even nearly this hard to have them work with me. Whenever I contact Navient, I am always transferred to two or three people and it 's not unusual to be put on hold for half an hour or more. It 's very frustrating, especially when I am needing help lower my student loan payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-09
Company: Southwest Credit Systems, L.P.
State: MD
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
This debt came from XXXX XXXX who reported the debt to XXXX in XX/XX/XXXX however I submitted the receipt and they sent a letter they would remove the information. In XX/XX/XXXX now the same debt is with Southwest Credit Systems. I asked them more than once to remove this inaccurate information however it still remains on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-17
Company: Dovenmuehle Mortgage, Inc.
State: AR
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
In XX/XX/XXXX my husband, a veteran, passed away. We shared a home together in which he was the only person on the Note for the home, I was just on the deed. This is a VA home loan. Last XX/XX/XXXX the home foreclosed and went to auction. Since I had never opened his estate and was never on the note I allowed the property to foreclose because without opening his estate I could n't do a deed in lieu of foreclosure. XXXX the lender would never speak with me concerning the loan because I was not authorized on the account. XX/XX/XXXX I got a notification on my credit check monitor that a foreclosure had hit my credit report when the loan itself was never even on my credit. After contacting XXXX XXXX, the debt collection agency, they had deemed this an error and told me that they would expedite the process of removing it from my credit. After two weeks I followed up and XXXX XXXX told me that another company had reported it to my credit, Dovenmeuhle. XXXX XXXX explained to me that their research team had sent information to this company 's research department. After contacting Dovenmeuhle and them refusing to give me any information on how or WHY it is on my credit I felt at a loss. I finally reached out to XXXX who said they would look into the issue, but because I was not authorized on the account that they could only give me limited information, but would look into the issue and get back with me by Friday XX/XX/XXXX. Why is it reporting to my credit? I feel this is an error, however I can not get anyone to explain anything to me. If I had " assumed '' the loan how could I have not been contacted in this process? And if in fact I assumed the loan, how am I still not authorized to speak to anyone regarding the account? This has been an ongoing issue for the past year and a half and not only is truly affecting my life, it has taken a huge emotional toll on me. I can not get anything accomplished without proper communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-16
Company: LoanCare, LLC
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I was in an approved COVID-19 Forbearance Plan for the past 12 months. At the conclusion of the plan I finally was able to talk to a Loancare representative and completed a questionare process to be considered for a loan modification ( due to fact that I have a federally owned mortgage ) which I was advised that I was being approved at current market rate ( which as of XX/XX/2021 was in the 2.5 % range ). I never received a loan modification and was put on deferral plan as of XX/XX/2021 and my loan servicing was transferred to XXXX XXXX on same date. 

Loancare should be held accountable for these actions and I should receive the loan modification at the rate and terms promised by the service advisor. 

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 2022-10-01
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Good Evening this is a continued problem that XXXXXXXX XXXX and I have. The problem is application of over payments and reporting incorrect balances on credit report and continuously reporting late payments on my account. XXXX my credit and outright refusing to fix it. They come up with every excuse in the book as to why they did what they did and act like their investigating my disputes and I never ever hear back from them. I want the late payment from XXXX and XX/XX/2022 removed and I also want balance updated. My evidence is attached

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-20
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
Credit reporting agency did not delete collection information and inquiries creditors agreed to delete from my credit profile they refused my request to update my credit profile to reflect correct information. 

Collections 1.XXXX 2. XXXX 3.XXXX 4. XXXX 1.XXXX 2.XXXX 3.XXXX 4.XXXX 5XXXX XXXX 6.XXXX XXXX XXXX 7.XXXX XXXX XXXX 8.XXXX 9.XXXX 10 . XXXX 11XXXX 12.XXXX 13.XXXX 14.XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Back in XXXX i sent letters to the bureaus regarding inaccurate information and they still have not responded. Later only to find out they lied on their website as to what address to send dispute items. I gotten no response from the bureaus yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-11
Company: Machol & Johannes, LLC
State: NM
Product: Debt collection
Sub-product: Auto
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I made contact to XXXX at Machol and Johannes, LLC on XX/XX/XXXX, at approximately XXXX inquiring about why my bank froze my funds. She had advised that I was served with a writ of garnishment on XX/XX/XXXX, from a debt report by XXXX. She said the writ was served at XXXX in XXXX New Mexico. She insisted that I was served with a signature at XXXX. I advised XXXX that I had vacated the unit in XX/XX/XXXX, and provided her with copies ( via fax on XX/XX/XXXX and by email on XX/XX/XXXX ) of a new lease indicating that I was no longer in the said apartment. She has not returned any form of communication indicating receipt of documents or for any resolution as she said the writ was delivered due to " bad service. '' and that she would have management to review my case. I have provided XXXX with more than sufficient evidence that the writ was not delivered to me personally or to any representing agents that I may have ( to which I have none ). I have informed XXXX that my employment position has been eliminated as of XX/XX/XXXX, and the funds that had been " taken '' from me was allocated to help pay for rent, food, and misc items. I have called and left her voicemails for her to return my call, but she has not once called me back to provide any form of indication regarding my case. My last contact was made on XX/XX/XXXX, with no further contacts. She has been provided with copies of lease agreements that were signed on XX/XX/XXXX which exp on XX/XX/XXXX for an apartment at the same address. BUT also another NEW lease indicating an entirely different address that was signed into an agreement on XX/XX/XXXX, which expired XX/XX/XXXX. These agreements should indicate that I NEVER received any writ of garnishment. 
Since my assets have been frozen, I have n't been able to live sustainably as constant uncertainty with income has become an issue. unsure of where my next meal will come from, and if I 'll be able to pay rent has become a concern. I fear that her lack of response, and with my situation, I might lose my home and be left on the streets. I again have no income as of XX/XX/XXXX. I am awaiting Unemployment Insurance, but that will not suffice to pay rent, food, utilities.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-12
Company: ROYAL UNITED MORTGAGE LLC
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I was seeking to refinance my current home mortgage. I looked at several companies and received Good Faith Estimates from a handful of lenders. One of those lenders that was under consideration was Royal United Mortgage. The loan officer is named XXXX XXXX. On XX/XX/2016, I was contacted by XXXX XXXX after visiting XXXX and requesting information on possible lenders. After reviewing the estimate he provided and comparing it to other offers I had, I chose to go with a different lending company. There had not been a closing. I notified XXXX XXXX of my decision via email on XXXX XXXX, 2016. I then received a letter in the mail on XX/XX/2016, from my XXXX homeowner 's insurance stating that on XX/XX/XXXX, Royal United Mortgage had amended my insurance to delete my current mortgage company ( XXXX ) and added themselves as my mortgage lender. This was completed without my knowledge and without a formal closing on the loan. I do not know what other changes to my other accounts they may have made. I do not feel that this was ethical or professional for them to make these changes prior to closing on this loan. I have notified XXXX XXXX in writing that I am livid over this matter ; that I will not be using his company 's services and that they must undo whatever changes to my accounts that they have made.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17
Company: Mr. Cooper Group Inc.
State: MA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
In XXXX of XXXX I requested and was approved for the Forbearance plan due to economic impact due to the Pandemic. 
In XXXX of XXXX I spoke to an agent to begin making payments, as I rectified my finacial position. In the conversation with agent I requested my balance be deferred, that request was approved in writing. Since XX/XX/XXXX I have had many many conversations with agents due to my account not being updated, and I have not been able to make mortgage payments. I have been referred to their escalation department on 2 different occasions, with no resolve. The last agent explained I could not have a deferred plan due to having a FHA loan. I asked why I received in writing from their company I was approved for a deferral. She had no answer. She did say my situation would be resolved and my accout would be updated, and I would be able to begin making payments. As of today, XX/XX/XXXX I still have no answser to my questions, nor is my account updated reflecting any attempts I have made to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
This complaint involves Bank of America ( BOA ) Mortgage Account. BOA escrows the funds to pay my homeowner 's insurance as a part of my monthly mortgage payment. 

In XXXX of this year, BOA informed me that starting in XX/XX/XXXX my monthly mortgage payment would rise from {$3400.00} to {$4100.00} to cover my newly received homeowners insurance bill for XXXX XXXX through XXXX XXXX of {$6400.00}. 

I immediately contacted my homeowners insurance company, XXXX. My normal homeowners ' annual insurance coats were approximately {$2100.00}. I continued to make my usual payment of {$3500.00} ( the mortgage plus {$6.00} towards the principal. ) XXXX explained that the total of {$6400.00} was for THREE YEARS : XXXX XXXX through XXXX XXXX and could be AMORTIZED over three years. And did NOT have to be paid in one year as BOA was attempting to do. This would return my monthly mortgage back to its original amount of {$3400.00}. This amortization could be retroactive back to XX/XX/XXXX when BOA first attempted collect the higher monthly mortgage. In fact my homeowners insurance had not gone up at all. 

On XXXX XXXX, XXXX, the XXXX XXXX notified BOA of the three year amortization. However, BOA continues to demand the larger payment of {$4100.00}. When called BOA ACKNOWLEDGED RECEIVING THE COMMUNICATION FROM XXXX. 

Last week, I was notified by a credit watch agency, BOA has posted on my credit reports a MORTGAGE DELINQUENCY, even though I have continued to pay my mortgage on a timely basis.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-15
Company: Ocwen Financial Corporation
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
In XXXX of XX/XX/XXXXI received XXXX but after XXXX payments the XXXX XXXX XXXX messed up my XXXX XXXX payments because they forgot to update my XXXX XXXX XXXX service plan. I contacted ocwen and explained what happen so we ended up being behind. It took untilXX/XX/XXXX for ocwen to give us a loan modification which was double of what we had on XXXX. So we started paying the loan modification but after XXXX payments we noticed that our payments were n't being applied to our loan it was just sitting there in limbo. They did take about XXXX out of the payments. Then we found out they had started the foreclosure process. I stayed in contact with my contact XXXX XXXX. It took months and they told us to reapply for the modification. Now our fees kept adding up. From a XXXX loan it 's now over XXXX loan .so we gathered our paperwork in may and reapplied. We received a letter saying they received all our paperwork and then it would take XXXX days. The very next day we received a letter that we were denied. But we could appeal. So I gathered all the paperwork within the XXXX days. They said it would be reviewed within a couple of days we were denied because they said it was our XXXX attempt. We did n't want to re apply we wanted out payments to be applied. This could have been rectified last summer. Now I 'm going to send in our XXXX appeal and I 'm sure we will get denied. Also our original loan put my XXXX name on our loan. We bought the house from him. They put him on without any of us knowing including my XXXX. They said that was the only way we could get the loan. So if we could make the payments he would be responsible for it. We never were told andmy XXXX has since XXXX XXXX. And they have taken his name off just recently.also we have an XXXX XXXX out of XXXX XXXX who is now going through XXXX and XXXX XXXX because XXXX are coming to our home and taking pictures of the house and looking at the house. He thinks people are coming to take him back to XXXX. Of course they have posted our home on XXXX. That 's reassuring.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-08
Company: ERC
State: NY
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:
This is an old account that had aged off my credit report and now shows as new debt that is delinquent. Company bought this account and is trying to collect by fraudulently dating it as new debt. Please remove this from my credit report or correct the true age of this debt. They have dated it as XXXX/XXXX/XXXX and assigned date of XXXX/XXXX/XXXX. Never had any credit with ERC on those dates. Actual debt was with XXXX from over 6 years ago.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
please remove my fraud alert XXXX doesnt even have it correctly its costing me loans do not I I repeat do not put it one

Company response to consumer: Closed with explanation