BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-26
Company: Rocket Mortgage, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
XX/XX/XXXX Complaint against : Quicken Loans On XX/XX/XXXX, I made an inquiry to Quicken Loans for refinancing my mortgage. The banker ( XXXX XXXX ) said that he would look into it. Shortly right after, I received an offer from Quicken Loan for refinancing. I noticed some discrepancies I talked about it with XXXX XXXX ( banker ), this was the last email from Mr. XXXX on XX/XX/XXXX stating that he had the information to proceed. 
On XX/XX/XXXX, I received an email from the appraisal company that quicken loans selected. An appointment was set and the appraisal for which I paid under the impression that the loan was a done deal as long as the value came under Texas guidelines. The appraisal value was within the Texas guidelines. 
On XX/XX/XXXX, I received an email from XXXX XXXX requesting a call. I called XXXX just to receive the news that Quicken could not help me with the loan and she asked me for several things that were not standard. XXXX was very rude as well as her supervisor XXXX XXXX who is the Director. The attitude from both was rude, aggressive. I received another email from XXXX and then a call from XXXX XX/XX/XXXX, I received a call from XXXX XXXX giving me other reasons for denying the loan. He was very professional a complete 180 from the two previous women. 
In short, A.-they entertained my application long enough to order an appraisal. I know that is not standard procedure. I need the appraisal fees back ( {$500.00} ) B.-I never received a written explanation for the denial after they had ordered an appraisal.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
XXXX am not liable for this debt with XXXX XXXX, XXXX XXXX XXXX and XXXX  and they did not provide me with the original contract as requested.

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 2023-03-07
Company: AMERICAN EXPRESS COMPANY
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
On XXXX, XX/XX/XXXX in the morning I was able to use the card just fine. This is an account I've had open for some time and have my paycheck deposited onto. Then, I received an email advising that my account was suspended. When I tried to call, I received the following email without ever even reaching a human being : Hi XXXX, During our recent review of your Serve Prepaid Debit Account, we identified Account activity that we believe violates the terms of the Consumer User Agreement. 

As a result of such activity, and pursuant to Section 15 ( d ) of the Consumer User Agreement, your Account and your Account privileges have been permanently suspended. 

If you have any questions or would like to inquire further, you may write to us at the following address : Serve Customer Care XXXX XXXX XXXX XXXX, GA XXXX Thanks, The Serve Team I don't understand this. The last purchase I made was to send myself a few packages, as I am in the process of a cross-country move and have a XXXX and need to do this as opposed to using a XXXX  ( I don't know if this flagged some sort of activity- shipping parcels? ). I have paychecks directly deposited onto my account. I had to immediately connect with my employer to have my direct deposit cancelled. I've had funds left on the card. I have no idea what happened or why. I reached a representative and was told to call XXXX with no explanation or anything.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
I sent disputed to Transunion, XXXX and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

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 2023-01-06
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
EXPERIAN is reporting inaccurate and unvalidated information on my Consumer 's credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26
Company: PENTAGON FEDERAL CREDIT UNION
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Dear Sir or Maam, I am a XXXX XXXX XXXX who has a XXXX XXXX XXXX Veteran with a XXXX XXXX XXXX. After decades of using credit wisely and fulfilling all my obligations by having autopayments executed. I had to switch to minimum payments due to XXXX, divorce, and identity theft. 

XX/XX/XXXX, I was finally able to pay off my PenFed credit cards with a line of credit. Unfortunately, those accounts were closed XX/XX/XXXX. 

XX/XX/XXXX, I contacted PenFed customer service to reinstate the account. They suggested I reapply to open the account, which was a credit hit, I did reapply and then it was denied. 


Over the past 16 months I have had dozens of confusing conversations with Penfed representatives. 

XXXX XXXX, XXXX Pentagon Branch Office - Requested a hold on payments XXXX XXXX, XXXX to XXXX XXXX, XXXX : VA XXXX XXXX XXXX XXXX XXXX-present Pandemic XXXX XX/XX/XXXX XX/XX/XXXX Interest Charge on Purchases XXXX XXXX XX/XX/XXXX XX/XX/XXXX Interest Charge on Cash Advances XXXX XXXX XX/XX/XXXX XX/XX/XXXX CR. CARD PAYMENT XXXX VA XXXX ID : XXXX XXXX I am reaching out to the CFPB for assistance with Penfed customer service. 
I respectfully request the 2 accounts be reopened with a {$10000.00} and {$25000.00} line ( s ) of credit. I further request all points/rewards reinstated on the cash back rewards card. I also request the {$500.00} overdraft be reinstated. 

XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX cell Pen Fed XXXX XXXX, XXXX Penfed XXXX XXXX, XXXX ( 2 ) Penfed XXXX XXXX, XXXX XX/XX/XXXXXXXX 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 2023-12-07
Company: LDF Holdings, LLC
State: FL
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Payday loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I have had a loan on XX/XX/2023 I went on a payment plan of 30 weekly payments. I made the final payment on XX/XX/2023 of {$30.00}. I was told that I can re-loan after this is paid off. I decided to reach out to customer service to see what the waiting period is to reapply. I was told that I can reapply over the phone but I wont get the funds until 3 to 5 business days. I went to apply over the phone I was told that I was denied. I went to apply online. It said that I was approved for {$1200.00} and that I will get the funds by XX/XX/XXXX and the application online shows pending when I went to reach out to customer customer service I was told that I would get a call back. I never got a call back I try to reach out. I was told that I was denied but online it is saying that I have a pending application, I spoke with someone named XXXX and he told me that my application was denied and the only way since Im returning customer is to withdraw the application and wait 30 days or do an express application I just feel like as a returning customer customer that is unfair because I have made payments on time and then for me to just get denied and then being given the runaround is not fair at all I feel like this company takes advantage of people that are struggling and going through hard times. I received a call at XXXX XXXX from Makwa finance and it was a voicemail was left. When I heard the voicemail, all I heard was background noise when I tried calling back at night, I get a call from Lendumo that is a completely different company I have made payments, and then I just turned around and get denied and just have my time wasted that is not fair at all.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10
Company: TRANSWORLD SYSTEMS INC
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/XXXX I called/Disputed a collection letter in the amount of {$1400.00} with XXXX XXXX XXXX I never received information provi g I owed the debt. Today, XX/XX/XXXX I received another demand letter in the same amount. I called and spoke with XXXX, and then supervisor XXXX XXXX they both said the call in XX/XX/XXXX was put in dispute, yet this letter has a new account number. I explained that since both letters were for the same amount they were the same attempt. They once again claimed to put this one in dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-26
Company: NAVY FEDERAL CREDIT UNION
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I sold my home on XX/XX/2019, The check to XXXX XXXX for the balance of my mortgage was fraudulently deposited into NFCU despite the check being made out to XXXX XXXX. Currently, XXXX XXXX is trying to collect the Mortgage from me as they still have me listed as the Home Owner and it is now affecting my credit report. I have a copy of the check proving this issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: AZ
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I initiated couple of outgoing transfers ( {$80000.00} and {$10000.00} ) from my BMO XXXX XXXX account ending in XXXX to my XXXX account on XX/XX/2023 and XX/XX/2023. BMO initiated a review for both transactions. I got a call from BMO XXXX on XXXX XXXX XXXX XXXX XXXX which I could not answer. BMO left a voice message to call back to XXXX and immediately put a freeze on my account. Currently, I am not able to log into the account. I tried calling back to this number multiple times and it went to voice message which was full. I also tried calling BMO 's customer service number XXXX. I waited for more than 2 hours and eventually got connected to a representative. He was not so helpful and asked me to call back to XXXX. I tried calling this number again and got routed to voice mail. When I searched about this issue in XXXX, looks like others are facing similar issues. Please see the last review comments in this link - XXXX XXXX XXXXbmoXXXX I also raised a complaint with FDIC. Case 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 2022-04-11
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2022 I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days Later I have not received a response yet. I feel like I'm being taken advantages of and being ignored. Section 611 ( a ), states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it's been 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26
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:
I have contacted Equifax twice a month via us postal mail for the last past year with a dispute packet, police report, FTC affidavit, notarized documentation over incorrect student loans reporting due to fraud. This is hindering my life tremendously, I have contacted the furnisher by mail, please see attached documentation! These student loans were fraudulently submitted and not opened by myself, i am seeking help to get them deleted off my report! I have contacted law enforcement reporting the fraud, submitted notarized documents, and tried calling the credit bureau via phone but no resolution has been found. I am contacting the consumer financial protection bureau for assistance! 

Furnisher : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Illinois XXXX XXXX fraudulent loan accounts reporting on my Equifax report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Closed Capital One credit card on XXXX XXXX. Requested a closing letter and final bill for the month of XXXX, and paid that amount by XX/XX/2023. Capital, one continues to charge interest on the account. Contacted them and they said yes we did receive the final payment for the account, but because you did not pay of the balance each month interest accrues each month. 

That does not make any sense.. see the pay off letter and the statement for the month of XXXX. attached.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-11
Company: WELLS FARGO & COMPANY
State: NC
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/2022, someone stole my identity and possibly my debit card information and walked into a Wells Fargo branch in XXXX, GA and was allowed to withdraw XXXX $ from my savings an account. Wells Fargo will not refund my stolen money and termed this incident " customer negligence '' in that I was unable to determine who, what, when and how my identity was stolen. This is truly unacceptable as I know the money is insured, but yet I am being treated as if I am responsible for this fraud or possibly aware in that the signature on the stolen ID " matches the signature on file '', according to Wells Fargo. Therefore, I have obtained a police report here in NC as well as Georgia where the crime occurred so they may pursue further investigation and perhaps obtain, documents, records, and/or footage of the transaction 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 2023-01-18
Company: EQUIFAX, INC.
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: Old information reappears or never goes away

Complaint:
2 accounts closed by consumer due to company closing. 
XXXX XXXX XXXX XXXX XXXX Paid off/ closed accounts still showing up XXXX XXXX XXXX XXXX XXXX XXXX XXXX  accounts that are paid for Federal student loan that's been closed by XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18
Company: EQUIFAX, INC.
State: TX
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 recently checked my credit and discovered 4 open accounts XXXX XXXX, XXXXXXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX collection. These accounts haven been open without my permission I have no relationship with any of these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26
Company: Park Hill Holdings
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
I am writing as I have reinvestigated the false, fraudualent information that XXXX XXXX and Corelogic, is reporting on my credit profiles, claiming they are receiving their information from XXXX, where in fact, XXXX has denied and proven they are not reporting any of the information XXXX XXXX and Corelogic is providing to creditors. 
In my further review and investigation, I found XXXX XXXX, Corelogoc and their client is reporting false, fraudulent information under three ( 3 ) different company names, XXXX XXXX XXXX, XXXX and XXXX Management for the same property address and filing with the courts three different cases for the same case. 
I have attached my original lease agreement with XXXX XXXX XXXX and not the other companies they claim I had a lease, as well as court documents/records pulled from the Justice Court records XXXX : XXXX? XXXX on XX/XX/XXXX and again on XX/XX/XXXX. 
Both documents clearly show a timeline from XX/XX/XXXX XX/XX/XXXX where clearly the Summary Eviction was DENIED. XXXX XXXX and Corelogic is showing a JUDGMENT as of present day XX/XX/XXXX, and nowhere on any of the court documents/records state a JUDGMENT. 
Not only is XXXX XXXX and Corelogic refusing to delete/remove these inaccuracies as well as stop reporting fraudulent information that they claim they are receiving from their client and Experian but also from the XXXX XXXX, are violating my rights as a Consumer as well as violating all ethical and fair practices of the FCRA. 
Clearly the facts are in front of you, and this company continues to disregard the law not to mention disregards any ethical practices by making me the consumer a XXXX single mother, suffer to continue to not afford us of XXXX and XXXX descent a fair opportunity to secure housing.

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 2023-02-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
Purchased XXXX new snowmobiles in XXXX from Polaris ( same as cash ). XXXX is Capitol One. These snowmobiles have been paid off since XXXX, but they will not release the liens. They have admitted in their letters that I have satisfied the balance on your Capitol One account. I have submitted all the information I have about the original transaction over 6 times now. They will only accept via snail mail. No phone, email etc. My liens have not been released as requested. I sold the units and Buyer is going to file complaint against me because he can not get them titled in Michigan due to liens. Can you please ask someone from Capitol One to contact me to resolve this dilemma? This is so wrong in every way! Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
I had an open checking account with Wells Fargo until XXXX my charges were not being processed by the time I made it, but rather by the amounts being spent, strategically causing an overdraft and overdraft fees which would make me actually overdraft and then cause another overdraft fee. This caused my account to fall severely in the negative causing the account to be frozen, ultimately closing my account.

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 2020-03-26
Company: Caliber Home Loans, Inc.
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I am apply for a mortgage modification for the 10th time in the past two years. I am denied for my forbearance request and have proof of unemployment. I have enough income to cover the mortgage and utilities and am still being denied the forbearance. I believe that i am entitled to the forbearance request and am being denied as the servicer tries to earn fee income and compounding interest on the holding of my note

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02
Company: EQUIFAX, INC.
State: FL
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:
The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2021

Company response to consumer: Closed with explanation