BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-22
Company: Rocket Mortgage, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I purchased my home in XX/XX/XXXX and used Rocket Mortgage as my mortgage lender. I had used them in my previous purchase and did not have any issues. I have never made a late payment for my mortgage but I find myself in a situation where for the first time my mortgage payment is only partially paid and therefore late. The reason is that in XXXX I paid approximately {$10000.00} at closing to cover the XXXX taxes. This was because they estimated I would have to pay all of XXXX taxes due to the previous owner being a military veteran and being tax exempt. In early XXXX I received a refund. My mortgage was then adjusted by Rocket Mortgage in XX/XX/XXXX because they erroneously thought I was tax exempt. I spoke to a couple of representative at XXXX, one who was trying to get me to refinance in XXXX and another escrow analyst and explained that I thought they made an error. They then send me another refund check for all the escrow that had been placed in that account. I mistakenly assumed the error was due to the money I paid at closing for all of XXXX. I deposited these funds and used them to cover my childcare expenses. When went to pay my XX/XX/XXXX mortgage payment I saw that the amount due went from {$1600.00} to {$4300.00} as Rocket Mortgage is trying to recoup the escrow refunds they mistakenly sent me. I reached out to them via email with an urgent request for a call to ask to have this resolved. They did provide a solution of spread this $ XXXX over three years but that still puts my payment at {$3200.00} for the next 3 years. I expected a monthly payment of about {$2800.00} when I first purchased the home, I budgeted for this amount and signed into other financial obligations that I thought with that mortgage payment I would be able to afford. Now with inflation being so high and child care, I find myself in a difficult financial situation where I am afraid I will loose my home over the additional mortgage payment increase. I find this mistake should be absorbed by Rocket Mortgage and have tried to resolve it with them but they have pressed back that because it is property tax, it is my obligation however, the mistake on properly collecting them was on them. If I knew I would have to pay these on my own and not put my faith in them to properly collect, I would have set money aside to pay. I am putting in this complaint because I think this is predatory. I am not sure what to do next to get this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20
Company: EQUIFAX, INC.
State: PR
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:
We've send letters to the companies and they have not responded, legally the bureaus have 30 days to respond and they have not provided validation nor authentication of anything, I am extremely concerned they are reporting fraudulent information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
XXXX I had two credit cards and bank account with Bank of America. 
They charged me over and over again causing me to go in debt from the overdraft fees. 
I had to open payday loans to pay them to make them stop. 
I would say in total it was about {$5000.00}. 
I recently heard about he action law suit settlement. Well when I call them they act like they never heard of what I am saying.

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 2023-10-17
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Bounced checks or returned payments

Complaint:
I paid and they sent money to company out my account without my permission cause the account overdraft XXXX $ and I had the money in my account so bank paid a company without my consent cause my account to overdraft and close on chase behalf not fair to me and cause eary warming service place on my credit so I can open new account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-12
Company: SELECT PORTFOLIO SERVICING, 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: Account information incorrect

Complaint:
Select Portfolio Servicing had check to pay off the whole mortgage since XXXX and owe me almost {$500000.00}. They assured me in their Ombudsman Department that this would not affect my credit adversely. 

Now on my credit for XX/XX/23 is a late payment. When I called to ask about this atrocity, the supervisor XXXX ext. XXXX told me that I indeed was late and that it was contractual that the payment was due. She even began to badger me about paying last months payment. I SCREAMED XXXXXXXX XXXX! Then hung up. 

I have called this company over XXXX times to try to XXXX the resolution on my refund after the company has already cashed the {$610000.00} check in XXXX. I have been told it can take up to 30 days, but every time that I request the process, there has been no response. 
XXXX items : How do I get MY MONEY HOW DO I HAVE THEM REMOVE THE LATE PAYMENT AFTER THEY ASSURED THAT THIS WOULD NOT HAPPEN

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13
Company: MOHELA
State: MN
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:
I called Mohela to request for the full status of my loan, including the amount of total funds I was ahead on my student loans. I was almost 20 payments ahead on my student loans, but Mohela is advising they are only seeing me ahead by {$350.00}, whereas that figure should be close to {$2500.00}. In Response, I have requested for my full loan history, and servicing file, but no one will acknowledge this request, or provide it. Their Customer Service Representatives " In Training '', can only see back 24 months. I am asking for assistance by holding them accountable by telling me the exact figures I am ahead on my student loan. I know there is 136 payments left, but it is in a tier repayment style therefore the payments will change over the remaining life of the loan. As a Servicer, they should be able to provide the requested document to show how the outstanding balance was paid down to today, but they are not. I'd like assistance in obtaining the full file, and payment history. How do they know I didnt make a {$20000.00} payment prior to the last 24 months? 

I've requested to speak to leadership, however I am then placed on hold for hours.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06
Company: Experian Information Solutions Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I was never notified of derogatory debt that has been inserted in my credit profile. I have reached out to the company " XXXX  XXXX that has reported this debt with no response for a resolution. Experian continues to report unverified/validated account into my credit profile.

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 2023-06-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
My personal information was stolen in XXXX since then Ive been seeing a lot of unauthorized inquiries and accounts. In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and Remove all inaccurate inquiries I have listed immediately, the following includes : 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-05-10
Company: EQUIFAX, 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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
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:
XXXX account # XXXX XXXX has placed 2 missed payments on my credit report, I need an investigation. I need proof of the alleged payments being late or update payments history to paid as agreed

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-13
Company: Experian Information Solutions 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:
XX/XX/XXXX Letter Credit Bureau XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I mailed off certified letters to the following credit bureaus Experian, XXXX, XXXX. I noticed that it has been past 120 days and nothing has been resolved at this point Im still looking at errors on my report that your company havent removed. I am now sending my final letter of concern with the following errors and inaccurate information that your company continues to list on my credit file. I must warn you that youre breaking several laws in the Fair Credit reporting Act and it is a violation of my rights. I wont allow this to continue because its very hazardous to my life and my credit profile. I take my personal information very seriously and I know my rights and laws. In this situation my rights have been violated and I have record of the violations including the letters of my credit report of you falsely impersonating to be me over bearing fictious signatures without my consent and going over boundaries which require me to contact my lawyer and other law enforcements for this reason alone. Someone will be in contact with you very soon. You have caused major distress and I will be taking legal actions against your company, I have filed an FTC complaint, in the process of filing a lawsuit. This is an affidavit and an internal dispute. An internal dispute takes 3-5 days and I demand all the inaccurate information to be removed immediately following this investigation. I will call to check on the status of this dispute and write down the names and I will be recording the phone calls. If you intend to send me letters saying you have verified the account or information I will be forced to take legal action that instant. I have attached photos of the inaccurate information that is listed on my credit file by your company. You have 72 hours to remove the following inaccurate errors. We are set for a hearing in XXXX FL for court located at XXXX XXXX XXXX XXXX, XXXX, FL XXXX at XXXX XXXX on XX/XX/XXXX. 

INACCURATE : 1. XXXX, 2. XXXX XXXX XXXX XXXX XXXX 3. XXXX EXPERIAN XXXX   XXXX  PLEASE REMOVE THE ERRORED ADDRESSES THAT ARE ON MY 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 non-monetary relief
Consumer complaint received 2023-10-17
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
XX/XX/. Notified PayPal on XX/XX/XXXX that transfer recipient was a fraud/scam and they transferred the {$180.00} anyway

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-19
Company: Nelnet, Inc.
State: TX
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:
My student government loans that were originally given to me were sold to nelnet and another student loan company. Not being able to find a job and repay them they had placed my accounts on forbearance for years! Upon finally finding a job I created an IDR plan through great lakes and my original loan seems to grow overtime. I have not been able to pay it down or be rid of the debt since 2011.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I do not recognize the negative accounts on my credit

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Hello CFPB I'm seeking your help in a matter of a complaint I have with Trans Union Credit Bureau. I first contacted them in regards to not having my XXXX home & the property it sits on, listed on my credit report. I told the gentleman that I had documents proving my ownership. He told me to mail them to them, which I did. I received a letter back from them, telling me they added a XXXX temporary statement on my credit report, indicating that the consumer is deceased. They want me to provide a copy of a government issued death certificate & include a copy of a valid Executor of estate document which authorizes me as a person entitled to manage the deceased affairs. Really!!! 

They are referring to my late husband that passed away in XXXX. We both were originally on the home loan, as joint tenants, & when one spouse passes away XXXX bound, it then automatically becomes the remaining spouses name only on all ownership documents. All the properties are now in my name only. My husbands name is no longer on them. The property Taxes they send to me every year, are in my name only. I sent them all the proven documents with my name. On the documents I sent some were the original from when my husband was still alive & has his name also. I have put my estate in a XXXX trust for my surviving son. Is XXXX XXXX. I pray that you can resolve this, in my favor, & will be added to my credit report. Thank you, Blessings. XXXX XXXX Mailed documents to Tans Union 7they received them on XX/XX/XXXX. Had countless phone conversations with them, there after. Transferred me from one dept. to another. Contacted FTC they referred me to you, so here I am. Thank you, Blessings

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 2023-03-22
Company: JPMORGAN CHASE & CO.
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2023 I received a check from the apartment leasing company ( the XXXX XXXX at XXXX XXXX XXXX Apartment ) and used the mobile check deposit service at Chase. That check has 4 names, and I am among one of them. The deposit went successful and I saw that sum of money on my account. However, Chase froze my account on XX/XX/2023 saying that all 4 receivers should come to Chase branch to validate their identity. Since all 4 receivers are now in XXXX, and it takes time to prepare for the XXXX, I tried an alternative way to let the issuer recall the check. The feedback from the issuer says that since the transfer has been made, they could not make recalls or disputes over that check. Unfortunately, I saw my account closed by Chase before today ( XX/XX/2023 ) without informing me, without returning my remaining funds in that account, and without letting me get access to my online statements. Chase refuse any other possible solutions except " letting all 4 receivers come to the branch '' and " allowing the check recall process ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: Conn's, Inc.
State: SD
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
after getting repeated calls about a 5 year old debt they wrote off as a tax write off without sending me a 1099 and after I told them " cease and desist all further communications between phone email or written immediately " they still harass me with multiple calls daily.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-20
Company: Southwest Recovery Services, Inc.
State: OH
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I shared with this collection agency, that XXXX XXXX is attempting to collect a debt through them that is not valid. I am asking the company to verify that this a real debt and proof of where I agreed to sign a contract with this company to keep or store my stuff beyond leaving the XXXX XXXX. In addition, I need copies to the bills that that XXXX reported they sent to my house prior to collection for prior years ( which never occured until XXXX. I offered to give company settlement they stated XXXX would not accept. I was then told that the illegal debt from the original biller would be on my credit if not paid by XXXX/XXXX/2016. I offered to pay or make payment of something. I am requesting that this not be placed on my credit or deleted until this company sends the proof XXXX has right to bill me ( copy that I signed contract with them ) which never occured to keep storage etc. 

I am also asking nothing to be placed on my credit and removed immediately if placed until this verification and or agreed upon outcome with XXXX /settlement with agency has had time to respond or develope. Please also note that I wrote via email for this verification over three weeks, Southwest stated on email today he would send ( but later denied ) stating ok I will send the letter and verification you request, the later claimed I was stalling a bill and oh he mailed to my home over 30 days ago. but earlier in email he stated he would verify and send. Point is he is trying to collect a an illegal debt and he is refusing my basic right for it be verified specifically with a letter or copy from original creditor where I signed to place my items in storage and keep my items in storage for a certain amount each month or payment terms or something. ( they dont have record of nor does the orginal company. So instead Southwest is claiming lies that I am stalling payment when I told him that if an agreement is not made I will be forced to pay a illegal bill. I am here for one goal solve this!!!!!!!!!!!! 

Southwest cant verify either nor did they mail anything to my home, because my contract for storage or signed information with that company does not exist and after agreeing to me he would send he then changed his course and lied stating that he mailed out thirty days ago. If that were true why would I have requested in writing verification 2 weeks ago and today? really? 



Please note I can email to someone the entire email conversation with Southwest today. and copy a few statements to verify this I was unable to upload proof but I can email later to your address. 






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 2023-05-11
Company: Paypal Holdings, Inc
State: MS
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Hello I have been denied access to withdraw my funds from my PayPal account since the pandemic started. I have contacted PayPal several times but still give me the runaround. Its against the law to hold anyone money. I asked them to let me withdraw my funds and they said wait until 180 days. So now its been over three years.. Still no justice I need my money..

Company response to consumer: Closed with explanation