BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-06-16
Company: Rocket Mortgage, LLC
State: CT
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
I refinanced my mortgage with Quicken Loans, and the loan closed on XXXX XXXX, 2015. On XXXX XXXX, 2015, funds were disbursed and my previous loan was paid off, and I was supposed to receive a disbursement check of {$950.00}. The check was supposed to be sent by overnight mail and I was supposed to receive the check on XXXX XXXX. As of today I have not received the check, and after several phone calls to XXXX, without receiving a return call until yesterday, I was finally told that it was the title company that supposedly mailed the check by mail instead of by express overnight service. The title company has no tracking number for the mailing and can not provide a location of it or a delivery date. As such, it remains unclear when I will receive these funds, that are obviously due to me per contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2022-08-18
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

XXXX5 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-03
Company: PENNYMAC LOAN SERVICES, LLC.
State: KS
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Over a year ago, I got hurt at work. I had to have surgery and was out of work for 5-6 weeks. That 's when I fell behind on payments. XXXX XXXX was my mortgage company. It took me 4-5 months for them to finally agree to a payment plan. I was making payments to XXXX XXXX, then they sold my loan to Pennymac, unknowingly to me. I continued to pay XXXX XXXX. After a couple months a rep. for XXXX XXXX informed me of the sale of my loan, and provided me the contact number for Pennymac. I contacted Pennymac, but they had no information on my repayment plan. As of now I am showing delinquent for 6-7 months. Pennymac tried to get me to agree to a repayment plan of {$2000.00} a month. I can not afford that. As of now, I have sent into Pennymac XXXX loan modification packets. The first packet I faxed in 3 times, then I mailed it into Pennymac. They never received it. Which was around XXXX. The second packet I faxed in as well, Pennymac said they received it. It was sent on XX/XX/2015. Every time I called to check the status of it, I was told it is still in for review. 
I received another packet, to fill out, from Pennymac on XX/XX/2015. I called Pennymac asking why I received another packet when I had XXXX in for review. I was told that my packet was missing forms, and it had outdated dates. I was never informed about missing documents or outdated signatures. 
I have now submitted another packet on XX/XX/2015. I have received another phone call from Pennymac, that I 'm missing documents. 
I am currently waiting on Pennymac to send me an email, stating what documents are missing. 
I feel that I am being discriminated against for being delinquent. I feel that Pennymac wants me and my family out of our house. Even though I have sent everything they have asked for multiple times. 
Any and all help would be greatly appreciated. Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-22
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I have been unable to find work and suffered a XXXX two years ago and was diagnosed with XXXX. Since that time I have seen by loan amount sky rocket. I applied for income driven repayment but the amount is practically XX/XX/XXXX of my Social Security.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-18
Company: Daiyaan, Inc
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
We did closing of our new home last week and we had a bad experience with the lender Liberty Home Mortgage. 

XXXX.They charged us very high origination cost ( got it verified from other lenders ) for an amount of {$16000.00}, to bring down the interest rate, but got the same market rate the date it was locked ( 30 days ) .When I asked why the charge is so high, then the loan XXXX XXXX XXXX arrogantly said no lender gives jumbo loan to H1B ( I had pre-approval from XXXX other landers who agreed to approve my jumbo loan ) XXXX.The final closing disclosure was sent just XXXX hour before the closing time, this was done intentionally so that we as a buyer get no time to negotiate the loan costs Liberty Home Mortgage Phone ( XXXX XXXX XXXX XXXX XXXX Email : XXXX Toll-Free : XXXX Toll-Free Fax : XXXX www.libertyhomemortgage.com XXXX XXXX XXXX XXXX XXXX, XXXX, TX 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 2016-06-07
Company: Performant Financial Corporation
State: TX
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:
My loan went into default due to losing my job and created an inability to maintain payments. The loan was turned over to Performant Recovery, who would be offering me solutions to get the loan back into good status. My total balance remaining when the loan went bad was $ XXXX. I am uncertain of the exact amount as Performant would not provide me that information. First issue, Performant forced me into a rehabilitation program at a rate of $ XXXX/month. Even after I submitted all my monthly expenses and showed I could not afford the plan I was told it was $ XXXX/month non-negotiable or I would have my wages garnished. Keep in my mind I just got back to work from being job-less for 7 months. So, I sold personal belongings and cut every single expense to make the XXXX payments of {$800.00} XXXX totaling $ XXXX ). Second issue, after I successfully completing the rehab program my loan was transferred to XXXX to finish out the remainder of payments ( which no documents have been sent to me by either company yet ). I just found out that the $ XXXX paid to Performant only reduced by balance by $ XXXX meaning Peformant took thousands in fees ( which were never disclosed to me before entering the Rehab plan ). I called on XXXX/XXXX/16 to request copies of all disclosure forms ; explanation of all their fees ; and a copy of where I agreed to such terms. Performant told me they dont have copies and ca n't get any records because they are no longer active on the loan. Based on my experience working for XXXX XXXX I find this to be deceptive if not illegal actions by both Peformant and XXXX. I know that Lenders/Servicers are required to provide documentation/disclosure forms regarding loans. I need help solving this issue.

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 2022-08-18
Company: EQUIFAX, 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:
I applied for credit and it said I had too many inquiries XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX Credit Cards Issued by Finance Companies XX/XX/XXXX Bank Credit Cards XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Credit Cards Issued by Finance Companies XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Used XX/XX/XXXX XX/XX/XXXX XXXX XXXX Credit Card XX/XX/XXXX XXXXXXXX XXXX Mortgage  Companies XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-01
Company: Flagstar Bank, N.A.
State: FL
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: Card was charged for something you did not purchase with the card

Complaint:
I called the company to dispute an Transaction that was done on my business credit card. I advised the company that I did not make that purchase. This purchase was done back in 2018 for the amount of {$10000.00}. The company was investigating my complaint. They gave me back the credit while they investigated. They investigated for a whole year and then came back with the results that I made the purchase because of a credit that was given to me. I advised them that I did not make this purchase.I was not aware of a credit that was credit to the business card by this particular company. I did not know of this company in question.

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 2016-02-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I checked my credit score and there was a debt listed that I owe Bank of America over {$3000.00}. I sent a debt validation letter requesting proof that I owe this unsecured debt. They failed to respond in the allotted time so I would like this debt removed from my account and from the major credit bureaus ( XXXX, XXXX, XXXX )

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card
Issue: Billing statement

Complaint:
I was late last month, and charged a {$35.00} because the payment arrived after the closing date. 
The payment was for {$750.00}, payment was credited to my next statement along with a pand to my surprise a late fee for {$35.00}!!!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-01
Company: Experian Information Solutions Inc.
State: PA
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:
I am a victim of identity theft, my information was compromised and somehow fraudulent unauthorized inquires and accounts were included on my credit report. as a result after legal counsel I contacted this company both by phone and a formal letter, providing all the necessary documentation that they needed to make informed decision on this matter and remove these fraudulent accounts and inquiries. But to my surprise they decided to ignore me and are still reporting the same fraudulent account till date. Below are the fraudulent accounts and inquiries in question : Fraudulent inquiries XXXX XXXX XXXX, Date of inquiry : XX/XX/XXXX XXXX/XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  XXXX XXXX  XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX/XXXX   XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX, Date of inquiry : XX/XX/XXXX Fraudulent Account XXXX, Account Number : XXXX XXXX XXXX, Account Number : XXXX XXXX, Account Number : XXXX XXXX XXXX XXXX, Account Number : XXXX XXXX  / XXXX, Account Number : XXXX I am attaching the formal request I sent them and identity theft report from FTC too for your consideration.

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 2015-12-17
Company: ACS Education Services
State: KY
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
This is related to a previous request, Case number : XXXX. 

Based on the success of my previous request. I have requested that my co-borrower be released from my loan. ACS stipulates that I must make 24 consecutive payments for this to occur. However, since my payments were misapplied, ACS is not showing that I meet the stipulation. 

If my payments are adjusted correctly and the overage balances are moved forward, I believe I meet the requirement for the co-borrower to be released. I would like to see a full audit of my account and payments, along with the stipulations of my loan, to have my co-borrower released from the loan. I would also like to know the stipulation of my loan in the event of the death of the co-borrower.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-01
Company: FinCo Services Inc DBA Current
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
The mobile Bank is an in-app authority only so when I had lost my phone I was locked out of the app as to the two-step verification through the phone the same with my email so I was unable to get in touch with the company at all the company in hand is Current mobile Bank. After about a month the company came out with a XXXX number I finally called the number and was able to get into the account and saw that {$3000.00} had been direct deposited and spent without my permission. I had to take a discrepancy charge. As I had to get a new phone I lost that email due to to set verification but was able to keep the current account and 2 months later have still not heard anything about the investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04
Company: Experian Information Solutions Inc.
State: CA
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 fraudulent accounts XXXX  XXXX opened : XX/XX/XXXX dept of education/XXXX  opened XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Experian is only company reporting this error

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 2020-10-01
Company: GVA Holdings, LLC
State: LA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
This decision has come to the observation of the type of financing and payment in installments for each month. It is not possible for a simple {$900.00} loan to generate 10 payments of {$460.00} each month, creating a debit of {$4600.00}. There is no way in the world to understand and interpret that. Gold in kilograms is cheaper than your type of financing.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-03
Company: Hillcrest Davidson & Associates
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I 've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov I 've completed and sent a fraud affidavit via certified mail. I can see they received it but nothing has changed. See supporting documents. even the USPS tracking. 

Thank you, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-04
Company: Navient Solutions, LLC.
State: DE
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
According to Navient, servicer of my U.S. Department of Education student loan, " You can instruct us to allocate payments differently. Clearly write your instructions on a separate piece of paper included with your check. '' I typed and included with my payment a concise letter instructing Navient to first apply a recent payment to XXXX of XXXX particular loans in order to pay it off and then apply any remaining funds from the payment as normal. Instead, Navient split the entire payment as they normally would amongst the XXXX separate loans. They cited " automated system reasons '' for the error when called. I cite they are lying in their own important disclosures that come with each loan statement. The payment has been reapplied at inconvenience to myself with added worry and confusion of what my student loan statement might look like next month.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-10
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I have both Federal and Private loans serviced through Navient Navient recently changed its website, around the same time I got a new checking account through a new bank. I set up automatic pay using my new bank information. A month later I found out that the auto pay went effective for the private loans but not the federal loans. When I called them in XXXX 2016 they simply gave me a forbearance and reamortized the account and the representative told me that everything was taken care of and that autopayments would begin with my XXXX payments. Now, I got a notice that my account was two months past due. I called and told them I took care of auto pay in XXXX and it still is n't working. They had me do something different this time, going through their old website and set up auto pay. I did that and the representative confirmed that it went through but the application had an auto- matic provision for forbearance of the two months late. In addition, I have been getting emails soliciting forbearance from Navient. I thought it was just spam but it makes me wonder if Navient is not having issues deliberately to reamortize so that consumers are paying more in interest over the long run. this is now the second time that they have reamortized my account. I would like this looked into to make sure that this is not a wide spread practice. No option to pay the outstanding amount was given to me in order to have the auto pay effective and they were quick to just have the account reamortized.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-11-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NH
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
The borrower, XXXX XXXX, has been working with Bank of America since XX/XX/XXXX to get his mortgage loan modified. He is current and the loan was modified. The most recent mortgage statement, however, shows that his payment has increased by $ XXXX/month and he does n't know why. XXXX charges are listed on the statement in addition to his PITI payment of {$700.00}. They are : 1 ) {$85.00} for overdue payments, fees, and charges and 2 ) {$46.00} for a payment advance. 
A Notice of Error was sent certified mail return receipt requested XX/XX/XXXX and is signed by BofA XX/XX/XXXX by a housing counselor, myself, XXXX XXXX. On XX/XX/XXXX, I received a letter from BofA stating that they needed authorization to send me this information. An authorization form was sent with the Notice of Error and was resent on XX/XX/XXXX. 
To date, we do n't have confidence that Bank of America is going to identify the charges and inform the borrower how long he will be charged for same. 
Borrower is on limited income and his budget is short $ XXXX/month. Not paying these fees is very important to him. At the least, he needs to know what they are for and how long they will be charged.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-09
Company: Ocwen Financial Corporation
State: NV
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
I filed a mortgage application with Homeward Residential Inc. on XX/XX/2016. I have not been contacted in over two weeks, because they said the appraised value was too high. I have been waiting 79 days to close my loan. I have already paid for the appraisal. I need to close the loan to save about $ XXXX/month. 
This is not the first time I have been wronged by an affiliate of Ocwen. When they bought my existing first mortgage loan at 8 % interest, they put false information on my credit report which inhibited my ability to repair my credit after going through a Chapter XXXX bankruptcy. I had to complain to you to get it fixed so I could begin to re-establish good credit.

Company response to consumer: Closed with explanation