BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-24
Company: Rocket Mortgage, LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My husband was approved to refinance his mortgage with Quicken Loans/Rocket Mortgage. His name is on the loan only, I am on title. The mortgage company wanted information on the mortgage on our primary home where I am on the loan only and my husband is on title. I provided a mortgage statement, original mortgage note etc.., then Quicken requests 12 month mortgage history, so I sent my credit report showing 12 month history. Then they request 12 months of my bank statements.Again, I am not on the loan with Quicken or on the refinance. I sent 12 months of statements, just the page showing the payment and marked out the remainder because I felt it was an invasion of my privacy. my husband and I have separate bank accounts. My income is not being considered. Quicken continues in insist that I send all pages of my bank statements. The loan on our primary home also has been assumed and company changed names multiple times. They keep requesting a mortgage note issued by XXXX mortgage. It does not exist, XXXX was formally XXXX who was formally American Home servicing etc.. I feel Quicken has no right to my information since I am not on the loan. Bottom line my husband was approved for a 15 year loan 3.375 % interest. Thats a cut of 2 % interest and going from 30 year to a 15 year mortgage. Looks like Quicken doesnt want to lose that money made on interest on current loan and is making excuses. It is now over 70 days trying to close the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31
Company: Experian Information Solutions 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:
XXXX XXXX XXXX filed inaccurate dollar amounts as delinquent notices to credit bureaus. I have called numerous times and supplied them with an explanation of events surrounding the claim twice. I supplied XXXX with screen shots from Experian from my credit report. XXXX has responded but their explanations for not being able to resolve the issue or proceed with my request have been : No specific item was requested for investigation, no supporting documentation was received, the direct dispute is substantially the same as previous dispute.

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 2022-08-07
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 do not recognize this account XXXX XXXX XXXX XXXX is showing as a debt owed in the amount of {$2800.00} on my credit report. This is not my debt and needs to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-27
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
Today, XX/XX/2019, I tried to lock/freeze my credit report with Equifax and I'm unable to do it online or by phone. Equifax provides by phone ( Equifax : XXXX ) two sites that don't work : XXXX & XXXX. After filling out all the information required including my social security number, address etc., at the end I'm required to call a provided phone number that is answered by a robot and that doesn't address locking/freezing of the account. 
I had absolutely no problems locking/freezing my credit reports with XXXX  and XXXX, but Equifax has been a nightmare consuming lots of time for NO RESULTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-28
Company: VIRTUOSO SOURCING GROUP, LLC.
State: HI
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
Vrituoso Sourcing Group has been calling me almost every day and a lot of times between XXXX and just before XXXX. 
On one of the instances, I answered the phone asking if they knew what time it was. One time I waited for an answer and was told that it was XXXXsomething. I replied that that it was XXXXsomething and hung up. The number is showing as XXXX, MD. The 3 hour time difference shows that theyre calling from the West Coast and not the East Coast. Im in Hawaii. On XXXX-XXXX-19, I called the number back and informed them that I was going to report them for harassment and calling too early in the morning. The woman said that there was nothing wrong or illegal about calling that early. While I was trying to speak, she talked over me saying that she would remove me from the list and hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Despite two written requests and speaking with Transunion customer service, the unverified items listed below still remain on my credit report in violation of Federal Law. Transunion is required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct.Transunion have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore Transunion have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA Transunion is required to ... promptly DELETE all information which can not be verified. 

5 Inquiries XXXX  XX/XX/2019 XXXX FINXXXX XXXXXX/XX/2019 XXXX- XX/XX/2019 XXXX XX/XX/2019 XXXX  XX/XX/2019 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL 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 2017-12-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, GA XXXX PH : XXXX PH : XXXX EM : XXXXXXXXXXXX XXXXXXXXXXXX XXXXXXXXXXXX XXXXXXXXXXXX XXXXXXXXXXXX XXXXXXXXXXXX Date of Birth XXXX/XXXX/XXXX SS # : XXXX TO : XXXX Consumer Financial Protection Brueau * Department of Veteran Affairs, Office of the Inspector General My name is XXXX XXXX, I received another email from Bank of America XXXX XXXX, XXXX in my XXXXXXXXXXXX email that included a PDF file titled XXXX. That was addressed to an unknown person XXXX and unknown school related extention XXXX 

As well, shown in my XXXXXXXXXXXX email accounts online, both XXXX and XXXX XXXX XXXX 's on my cellphone ; yet still did n't appear in my name in. Nor did I find any current or past emails from Bank of America in my XXXX XXXX account today ; which were deleted without my permission. I do n't have and have n't ever had a Checking, Savings nor Credit Cards from Bank of America, nor any Business related Accounts. I created both my XXXX and Email Email Accounts years prior to moving here to Georgia in XXXX. I have n't ever given anyone the passwords to any of my email accounts nor any of my other online or offline accounts. None of my accootherwere, are nor have ever been shared accounts. 
From : Bank of America XXXXXXXXXXXX To : Recipients XXXXXXXXXXXX Date : XXXX XXXX, XXXX, XXXX AM Thank you, 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 2019-01-28
Company: Ditech Financial LLC
State: VT
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/XXXX I attempted to make my mortgage payment online using the same savings account I had used every month and it was declined due to " invalid account. '' I verified the account number and it was correct. I contacted Ditech and they told me the only way I could use the account is by having the bank contact Paymentus, their online payment system and verifying the account. I was able to have a representative from my bank fax over a statement that the account number was valid and the Ditech Representative took the payment over the phone and waived the fees for making a payment over the phone. 

XX/XX/XXXX I attempted to make my mortgage payment online and learned about a week later it was returned for the same issue. I contacted Ditech and they set up reoccurring payments using the savings account over the phone for the next 3 months ( XX/XX/XXXX-XX/XX/XXXX payments ) and waived the fees for paying over the phone XX/XX/XXXX and XX/XX/XXXX I  made payments online using the same savings account with no issues. 

XX/XX/XXXX- I made a payment using the same savings account on XX/XX/XXXX and only learned when i checked my balance on XX/XX/XXXX that my payment was returned for invalid account. They did not send me any notifications that this payment had been returned. I contacted Ditech and they told me they were not going to be waiving any more fees and I would need to take this issue up with Paymentus because it was a problem on their end or on my bank 's part. They refused to verify the account or routing number that I used and stated that I would either need to figure it out with Paymentus or pay them from another account. I have no other way to pay this bill and they are refusing to take my payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-27
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Payments are made electronically using my credit union bill pay function and scheduled at the beginning of each month. Payment of XX/XX/2019 ( a Sunday ) was posted to Synchrony Bank on next business day, Monday, XX/XX/2019 and I was charged a {$28.00} late fee. When I did not pay the late fee in XXXX, was assessed an additional {$41.00} late fee, which has since been credited. 

I have contacted call center on two occasions, last being Monday, XX/XX/2019, when I was told the {$28.00} fee was credited. It still has not been, and collection attempts are beginning all over again. 

I have been very clear with call center employees that payment on the next business day satisfies all common business practices in the U.S with every other bill I pay. 

Thank you,

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 monetary relief
Consumer complaint received 2017-12-08
Company: ENOVA INTERNATIONAL, INC.
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I have called several times on my account getting quotes of the payoff. Customer service representatives are quoting me different amounts that is owe for the payoff. I was quoted on XX/XX/XXXX that the payoff for XX/XX/XXXX is {$570.00}. I made a payment on XX/XX/XXXX for {$320.00}. I understand that there is a daily accrue of interest for this loan. I do not know how it come that I call on XX/XX/XXXX that the payoff is now {$440.00}. I do not understand this math. I was also told on XX/XX/XXXX that I my contract states that my last two payments are in XX/XX/XXXX on a bi-weekly basis when I only get paid monthly. I do not see how this is fair practice with pay day or installment loans.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-09
Company: TD BANK US HOLDING COMPANY
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:
I am a victim of identity theft .This creditor is not only reporting fraudulent account but also aware that is account is fraudulent in deed. I sent my police report and my FTC affidavit that i received from the Federal Trade Commission. They keep verifying this fraudulent account and are not reporting to my dispute. I have never had any goods or services with them they are knowingly and willingly reporting this fraud. They have caused me great damage and embarrassment also with emotional distress. They dont respond to my disputes and keep verifying this fraud to the credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-08
Company: Williams & Fudge, Inc
State: CA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
XXXX XXXX with Williams & Fudge contact my Employer posing as a customer needing assistance and being unable to reach me. The Representative referred this matter to my Manager and asked my Manager to  contact XXXX XXXX immediately. 

XXXX XXXX is in fact attempting to speak with my daughter regarding an outstanding student loan and used Social Engineering tactics to falsely gain confidential information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12
Company: Castle Credit Co Holdings, LLC, Chicago, IL Branch
State: GA
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:
I had an account with Castle credit for a XXXX  vacuum. I was transferring jobs and advised this company that I needed help paying the bill. The 1st representative agreed to help me, then I began getting collection calls at different hours and nonstop. I began to get aggravated so I borrowed money from a family member and asked for a payoff. I was advised that if I paid a little more than half the amount, they would mark the account as paid and full on my credit report. I made the payment, and received a letter saying paid in full, but my account now shows I owe the rest of the balance and the account is still listed as negative on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01
Company: LEXISNEXIS
State: NY
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:
I was extremely disappointed this morning when I checked my credit report and I saw that I have a bankruptcy showing on my credit report. This is so embarrassing, and I am so ashamed I do not think this is something that should be shared with the public

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-08
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
dear cfpb I 'm using a Coinbase e-wallet. But the last time i wanted to login, my account ask for a 2 step verification via a XXXX app, but i have never activate a verification from this app. I do n't have this app. Since a few days i tried to fix my login and contacted many times the coinbase support, but without any answers. Now i ca n't use my wallet and my deposit is unattainable for me. That 's really bad, because i have more than thousand euro on my account. Can you help me to get support from Coinbase? I 'm hopefully waiting for your answer. Best regards, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24
Company: AMERICAN EXPRESS COMPANY
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 status incorrect

Complaint:
I applied for Amex XXXX Credit Card on XX/XX/2020. I was declined online with no explanation. The Amex website stated I would received a letter in the mail. On XX/XX/2020 I received the letter stating the reason for being declined. The explanation states : " You are participating in a payment relief or deferral program, receiving modified terms, or credit counseling services, on one or more of your accounts ''. This is not accurate information. I called American Express at XXXX on XX/XX/2020. The person on the phone could not tell me which of my accounts the declination statement applied to. They also suggested to call the credit bureau XXXX. I also called XXXX  on XX/XX/2020. They could not tell me which of my accounts had the statement and recommend to pull my annual credit report. I pulled my free annual credit report and on the file, no accounts have this statement.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-24
Company: CITIBANK, N.A.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
Im using consumer credit card of Home Depot since 2012 Im responsible of my credit card They issued under my name because I apply the credit card & issued UNDER MY NAME & ON THE CARD my name is printed BUT IN THE CREDIT CARD SYSTEM IS UNDER MY SISTERS NAME I DID NOT AUTHORIZE OR CLOSE OR CANCEL MY CARD I call & INQUIRED THEY ARE NOT TELL ME REASONS I HAD BEEN CONTACT WITH MANAGEMENT PLEASE INQUIRE ABOUT THAT THANKS

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 2020-06-29
Company: Navient Solutions, LLC.
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:
Five years ago, my husband and I applied for the Forgiveness program through Navient for our student loans. We were told at that time that if we make 120 consecutive payments that the balance would be forgiven. Four years into the program, we called to check and make sure we were on the right track because we were going to retire and planned that this loan would be payed off after 120 payments. Upon that call, they informed us that we were not on that program and were given misinformation and that it would take 25 years to pay off our loan. Well after we retire. We would have done something else five years ago if they had not given us misinformation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-09
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I have reported some accounts to Equifax that are not mine and they have not removed this information from my credit report yet.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-08
Company: Cornerstone Holdings, Inc.
State: AK
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XXXX/XXXX/17 at XXXX XXXX XXXX XXXX XXXX in XXXX, Alaska called demanding payment on debt that they refuse to show proof of. When I asked for proof they only send a statement from their firm with no actual contracts or ER visit dates. The " proof '' that they did send had another client 's name and birth date. When asked for further proof that had my name and birth date on it I was screamed at and told that they would not provide it and demanded payment. The employee, who is female, is exceedingly rude and very unwilling to send further proof. I believe that XXXX XXXX is trying to collect payment from me in a fraudulent manner. Their representatives are very aggressive and will shout and argue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20
Company: TD BANK US HOLDING COMPANY
State: AL
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Account was closed with NO activity since XX/XX/XXXX. Lender false claims that payment was made XX/XX/XXXX in order reopen account. There has been no activity nor payments made to this account. 
Account is XXXX XXXX XXXX XXXX  old I requested through XXXX XXXX to have this CLOSED account removed. T. D. Auto Finance has made false claims of activity in the form of a payment being made to the CLOSED account in order to reopen account and collect a debt not owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12
Company: Chime Financial Inc
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Chime bank has a new XXXX XXXX card heavily advertised to help build your credit if used. Myself and many others have been scammed into getting this card under the impression it would help build our credit, only to have our credit drop anywhere from XXXX. Many users have spoken to representatives who have told us the card absolutely will not lower credit limits, only raise them. Today I personally saw a card user be told this by a representative as he went to cancel his XXXX  XXXX  card. I believe this is a scam / very misleading at the least. People are being told lies that this card is unable to badly affect credit and to use it like a debit card. This is negligent and is ruining credit scores and lives.

Company response to consumer: Closed with explanation