BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-07-05
Company: Earnest Inc.
State: NY
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I have applied for personal loan in the amount of {$10000.00} with XXXX XXXX company in order to pay my medical bills not covered by insurance and other expenses ( I need to help my elderly parents, car repair, home improvement ). I provided all requested information. My application was declined. 

Based on the advertisement of their product, my credit history, my financial standing and amount of loan to my income ratio, my application should have been approved : - I am a salaried professional with steady income, working for over 20 years in the industry - I have a good credit history with some of the FICO scores like XXXX, XXXX, XXXX, XXXX with average XXXX at the time of the application ) which is higher than national median and higher than the score Earnest advertised as acceptable - I don't have any credit card debt ( practically XXXX ) I don't carry balances over and typically balance is almost XXXX - I have 18 years old credit history with only one installment loan paid on time, I have a record of paying off the mortgage - I don't have bankruptcy on file, never filed for bankruptcy in the past The amount of loan to income ratio was very low - less than 10 % ( I also have all benefits including medical insurance, vacation, life insurance ) - I have assets : a ). a saving account ( in the amount substantially covering the amount of loan requested ). 
b ). I own a car with no lien on it This proves my ability to save and provides liquid funds for emergency - I have lived at the current address for over 6 years - I have a good driving record - I am young enough to make all installment payments and pay the loan off But my application was declined, therefore I have concluded that I was profiled by the criteria that has nothing to do with financial risk and would like to complain to CFPB about this lending discrimination on behalf of Earnest apparently based on my social status or ethnic/religious group that I belong to and I want CFPB to investigate the fact that these very criteria was used by Earnest to decline my application

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-17
Company: Experian Information Solutions Inc.
State: SC
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:
I've contact the company regarding the late payment that was incorrectly reported and the update was supposed to be taken care to remove late fee status to current, but hasn't been resolved.

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 2021-02-27
Company: EQUIFAX, INC.
State: MS
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:
This is an formal notice that the bureau have failed to respond to my dispute letter within the 30 day investigation period. As you are aware, federal law requires you to respond within 30 days. It has now been over the period since the shipment of my letter. As you are aware, failure to comply with federal regulations by credit reporting agencies are in serious violation of the Fair Credit Reporting Act and may be investigated by the FTC. For this purpose, I have included a copy of the original request. The following items needs to be verified and deleted from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-24
Company: PNC Bank N.A.
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
PNC Reference : XXXX In email of XX/XX/2020 I instructed PNC Bank ( " PNC '' ) to close three accounts in my name. However, PNC refuses to close the account and charges fees for no service whilst maintaing these accounts active against my instructions. 

I have advise PNC of the following in writing ; 1. I have taken all reasonable steps to close these accounts. Alas the PNC system does not allow me to do so.

2. I have being locked out from online and mobile access to the accounts.

3. I no longer reside in the US, hence I am unable to use a branch to do so or use the address on PNC 's records for correspondence 4. I no longer own the mobile phone or number that is registered with PNC for communication or verification. 
5. I provided PNC with alternative mobile number for communication

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-27
Company: Santander Consumer USA Holdings Inc.
State: PA
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:
I would like to make a " goodwill request '' to have some or all of those late payments removed from my credit. I look forward to continuing to do business with your company, and I ask for you to please eliminate those late payments with the credit bureaus by filling out the " Universal Data Form '' and faxing it to the credit bureaus that you report to. I really do hope you can help me out, it would mean the world to me and will help me qualify for a loan I need. This is regarding account :

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-24
Company: PNC Bank N.A.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Late or other fees

Complaint:
I opened a free checking account through PNC 's virtual wallet program. A couple months later I was informed via E-mail that my account was overdrawn do to a calculated service charge. I have been charged now 3 times in the amount of {$7.00} per month. I never agreed to the terms of this fee or have been informed in any way. After researching the matter it is my understanding that my bank has the right to change its policies. To do so however, the account holder must be notified at least 30 days in writting of changes. I have recieved nothing.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In XX/XX/XXXX I entered into a payment agreement, per Bank of America 's request, when i was having difficulty making my payments. Per the agreement with BoA, my credit was to reported as current and on time. From XX/XX/XXXX-XX/XX/XXXX they continued to report my account as severely delinquent in violation of the agreement. this is for two accounts ending in XXXX and XXXX the other accounts i entered into the program with, XX/XX/XXXX, XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX, and XXXX XXXX all reported my account as paid as agreed. 

I have tried to get the rectified through XX/XX/XXXX, and about 7 calls to BoA and they are failing to address my concern. They are stating that the information is accurate and is what i agreeed to. Per the advice they gave me in XX/XX/XXXX when I entered the program my account was to be reported as paid on time from XX/XX/XXXX until i paid the account off in XXXX of 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 2020-08-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
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:
I wrote a letter to Bank of America dated on XX/XX/2019 and XXXX XXXX as a goodwill letter in reference to our mortgage account. We noticed in our credit report shows late/missing payments on the account. I sent a letter to Bank of America to let them know we have never been late on our mortgage payments. I asked them to correct the information on their end. However, I admitted on the letter that I will take responsibility for those so call late/missing payments-if they can remove it from the credit bureaus. Instead they wrote back indicating that their information is correct and to contact the credit bureaus to correct the issue. I feel this have been a mistake on their end and because of it we can not go forward in apply for a business loan due to Bank of America indicating we were late/missed payments.

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 2020-08-26
Company: Rocket Mortgage, LLC
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I went to Quicken Loans website to get mortgage rates for an investment property ( because they are reputable enough and I also have 2 outstanding mortgages with them ). Even though their website as deceptive practices to invite clients to get rates and they request a lot of personal information first, at then end they said they appreciate me and to finalize the request to call them. So I call them and MLO # XXXX - XXXX XXXX answered, he proceeded to first asked me all my personal information ( even tho they could use my profile as a customer or could use the information i had entered in their online questionnaire ) and after that he said the only way to give rates is to pull a credit - this was never disclosed anywhere in their website or by him before taking my info. I asked if Quicken Loans has a policy where they do not whatsoever provide any kind of rates unless a credit is pulled and he said yes. I then spoke to the Executive Officer and spoke to XXXX XXXX ( ext XXXX ) and explained how i felt Quicken Loans violated Fair Lending Act by making me feel they wanted to obtain my personal information : full name, address, phone number to then say now we need to pull your credit or else not. The information I provided to them by their request without disclosing further needed information, makes me believe they use some of my personal information to decline a simple general request on rates. XXXX said Quicken Loans does not provide ever any rates to anybody unless a credit report is pulled so they can provide specifically what a person qualifies for, I then proceeded to show him in his Website they do provide rates on there without asking anything or any information so that didn't match what he said about no rates to anybody. I also told him I just wanted to get general average rate information for an investment product for XXXX which specifics the loan product I was inquiring and he still denied to provide that information b/c Quicken Loans never does that. There is a lot violation under UDAAP and Fair Lending Act issues here Also, XXXX intended to stop the conversation by telling me he is not a loan officer and he is not authorized to disclose or provide loan information, he said this after all throughout the conversation he provided and disclosed loan information to me

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12
Company: Rocket Mortgage, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Mortgage Refinance TRID Fees Issue : I had refinanced my current mortgage from XXXX to Quicken Loans ( Loan # - XXXX ). The Closing disclosure that my wife and I signed on the Closing date of XXXX ( attached here for reference ) had closing cash to close amount from borrower as {$8200.00}. The money that was withdrawn from my bank account on XX/XX/2020 through ACH was for {$8400.00}. I have been chasing different people at Quicken Loans from Loan Officer, Closing team, Client Relations team since then and I am now being told that the difference is because of 2 additional fees that was added during Closing. These fees were never disclosed to me in the 4 Loan Estimates ( LE ) documents or the first Closing Disclosure ( CD ) that was sent to me on XX/XX/2020. Even the CD that we signed on closing date did not have these fees. Per TRID guidelines as per my understanding these fees can not be added or increased beyond 10 %. Section-B Deed preparation fee of {$130.00} ( 0 Tolerance per TRID guidelines ). Section-E Recording fee increase from {$120.00} to {$190.00} ( 10 % TRID tolerance so should only go upto {$130.00} ). 
Hence, Quicken Loans has sneakily added or increased unwarranted fees at the last minute against TRID fee guidelines and forcing me to pay for it. Their explanation was that their settlement services company had put on additional fees for doing additional documents because of Living Trust deed. But I have told Quicken about this from day-1 and have attached emails to support this as well. So Quicken Loans did not disclose any of these fees in Loan Estimate or in Closing Disclosure so they can not assume that I can pay additional fees on the day of closing because they did not follow process or do their job properly. Therefore I am requesting for the difference of {$210.00} to be refunded to me as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-27
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: Old information reappears or never goes away

Complaint:
It had been 11 years since this XXXX XXXX XXXXXXXX account. They finally closed it but left it on my credit when it should be completely removed from my 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 2020-08-28
Company: Resurgent Capital Services L.P.
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27
Company: BBVA FINANCIAL CORPORATION
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
BBVA holds my mortgage/escrow. I changed my homeowners insurance company, mailed BBVA my insurance refund check for escrow on XX/XX/XXXX {$1100.00}. New insurance was now going to be {$960.00}. I phoned on XX/XX/XXXX to get my new payment. She informed me it would go from {$1600.00} to {$1700.00} ( confirmation # XXXX ). My payment posted on XX/XX/XXXX but my mortgage said it was unapplied payment of {$1700.00}. On XX/XX/XXXX, they charged me {$55.00} late fee. On XX/XX/XXXX I called and asked why my payment didn't post, told it was short. I said I will pay the additional money to get it posted and she took my payment over the phone of {$98.00}. I found out the XXXX that money was given to escrow and not the payment so I am still short and delinquent. 
I have asked for 3 days to have a supervisor call because I believe the customer service representatives are in another country and not connecting with my mortgage. I have asked what I need to do to speak to supervisor to no avail. My last conversation she said she would ask to get the {$98.00} payment moved from escrow to mortgage. She was going to give me confirmation number and the phone disconnected after 7 minutes. I called back to find the business was indeed closed. I have over XXXX credit rating and do not want it ruined because of this business tactics. I have almost {$400000.00} equity in my home and would like to move to another bank if possible with my husband and I retired. 
Please call me and help. XXXX XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-26
Company: CITIBANK, N.A.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In 2018 i was a victom of identity theft and charges were made to a credit card that i did not approve. A report was made to citi bank. An invistagation was suppose to be made but was not and they sold the debt to XXXX XXXX. When i was contacted by XXXX XXXX debt collector i told them the debt did not belong to me, they have denied the settlement i offered and are currently being suing by their attorneys at law 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 2020-08-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 status incorrect

Complaint:
The FCRA states that all information reported on a credit report must be % accurate and complete or it must be deleted from the credit report. I sent letters to all bureaus to regarding XXXX account. I asked to update, fix or delete this account because of the inaccurate information they are reporting on my credit report. They said it was verified and nothing was done to my report. These all are the inaccurate information that they are reporting to my credit report. 

Date Opened : Credit Limit : Last Reported : Date Last Active : Date of Last Payment :

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 2020-08-26
Company: Patient Accounting Service Center
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a debt collection letter by ARstrat for the amount of {$43.00} to collect from XXXX XXXX. I have never received any billing statement from XXXX and suddenly I got a letter to collect an amount that I dont even know about. 

I have called XXXX to asked about the amount owe and the lady didnt explain anything and said I will remove your account information from the debt collection. I asked about confirmation number to indicate that it has been removed but she only provide her name and the location she works. I've been dealing with XXXX XXXX billing department for the last two years on billing amount that I dont owe as it should have been paid by my healthcare.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN
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:
This account was opened through identity theft prior to me being of legal age. My ex step father opened this account I believe ; however not certain. I didn't find out this account existed until my XXXX birthday. I have tried on several occasions to have it removed by Capitol One. Each time they claim it is a valid debt although I clearly was a minor.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26
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: Their investigation did not fix an error on your report

Complaint:
I love my XXXX  XXXX  but they reportd me late when I was sick. I was on a deferment. I dont know why they reported me late I want the card updated to never late please. Dont close my card. I only want my late updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I love my XXXXXXXX XXXX but they reportd me late when I was sick. I was on a deferment. I dont know why they reported me late I want the card updated to never late please. Dont close my card. I only want my late updated.

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 2020-08-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Without my consent, Capital One lowered the credit limit on a card I have had with them for over 15 years, from {$15000.00} to {$5000.00}. As available credit is a factor in credit scores, the lowered available credit amount will have negative impact. 

In this case, I estimated a negligible difference in credit score damage between the 66 % available credit decrease and not having the card at all, so I canceled the card ( thus also saving on the annual fee I have dutifully paid for the duration of holding the card ). 

I have the luxury of having excellent credit, and not needing this particular charge card. That does not make the practice remotely acceptable, however. Lower credit scores lead to higher interest rates, which clearly benefits the charge card companies. This practice should be outlawed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
On XX/XX/2019, BK OF AMER add a hard inquiry on my credit report per 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