BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-05-18
Company: Rocket Mortgage, LLC
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
Quicken Loans [ QL - Rocket Mortgage ] XXXX XXXX XXXX, XXXX, MI XXXX XXXX XXXX XXXX / XXXX XXXX XXXX QL refuses to refund my {$500.00} on their failure to deliver a VA loan as promised. 

XX/XX/XXXX XXXX XXXX advised he could provide me with a VA Loan for {$280000.00} at 4.375 %, for {$1700.00} per month. I specifically quoted : On that basis, lets go ahead with an application for a Loan. 

I sent {$500.00} for Earnest funds, submitted all necessary docs, with my XXXX XXXX XXXX XXXX. 

On the phone XX/XX/XXXX XXXX acknowledged he originally began a VA Loan as I requested. However, afterwards someone else at QL changed it to a Conventional Loan.

Prior to Closing I noticed that over {$10000.00} was proposed for PMI. I notified QL and demanded the PMI be removed. QL replied that the PMI would remain because the loan was processed as a Conventional Loan, not a VA Loan. Additionally, the Loan was only for {$270000.00}, including {$10000.00} of PMI, w/pmts {$1900.00}.

I had never been told of this change so the QL caller advised he would have QL review all recordings to verify my claim and find out where QL failed to advise me, and report back to me with the findings. 

I waited 7 weeks for the review of recordings, but never recd another word from QL during that period. They were obviously embarrassed. On XX/XX/XXXX I sent a msg to XXXX inbox asking the current status of the Promised review. 

On XX/XX/XXXX I filed a complaint with the Federal Trade Commission ( # XXXX ) because no answer was forthcoming. 

On XX/XX/XXXX XXXX XXXX called ( see above earlier paragraph ) On XX/XX/XXXX XXXX XXXX acknowledged he found there had been some conversation with XXXX about a VA Loan but it was not definitive. He admitted no one had ever discussed a Conventional Loan with me, He apologized that I had not noticed until the week of the Closing. 

In my opinion, Quicken Loans does not have the customers interest in mind. They unilaterally do as they deem is best for them and ignore the facts, even when the recordings prove otherwise. 

-- -- -- -- - I've given up trying to buy the house. But since the loan was not delivered as promised, it is reasonable to get my {$500.00} deposit back. Who do I contact to make them do so?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-01-16
Company: JH Portfolio Debt Equities, LLC
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
A message was left on my answering machine from " XXXX XXXX '' ( XXXX ). The message said they are a debt collection agency, and to call them. Why is it my responsibility to call a company that has inaccurate and sloppy information? How many times has the company contacted me, and in what manner? 

I owe no debts. I have not received correspondence stating that a debt is owed. 

I would like an explanation from the company explaining why they are harassing me. Additionally, who owes the debt they are calling about, what is the amount, and when was it incurred. 

Where did the company obtain my private telephone number that I have had for over twenty years.

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 2023-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 contacted XXXX to inquire about this debt. They could not find the account. I gave them my name, address, social security number, birth date, account number ( XXXX ) and even phone number ( XXXX ) and they were unable to locate the account. 

I disputed this with the three bureaus and they left the item on my file. 

It is against the Fair Credit Reporting Act for the three bureaus to report a debt that they can not verify. 

I want Ithe credit bureau to comply with the FCRA and remove this unverifiable collection from their 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 2020-01-05
Company: Capio Partners, LLC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am lodging a formal complaint against asset care llc debt collector. This debt collector has reported derogatory information on my credit reports for a debt in the amount of {$1000.00} which isn't my debt. Asset care llc never sent me a dunning notice in the mail which would have gave me 30 days to dispute the validity of this debt which isn't mine. Not even a phone call. Asset care has violated the fdcpa/fcra. This is unacceptable and this is happening at the worst time possible. I am in the process of purchasing my very first home for my family and I. I am now being told this errounous account is holding me back! I am requesting this account be deleted immediately from my credit reports. XXXX, and attorney general complaints will be filed if this account isn't deleted immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-01
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I had three cd accounts that I paid and full and close but I dont see anything showing that I did it still showing as opened on XXXX XXXX  and on XXXX. Can you verified it and update it and send me a updated report for me to confirm

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 2020-01-05
Company: Village Capital & Investment LLC
State: CT
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
to whom it may concern : i was approached by village company on XXXX regarding refinancing fha as i already had my mortgage with village capital i accepted that then when i was told i was approved on XX/XX/XXXX i had the closing which was done. then on XX/XX/XXXX i was told to send a pay stub and utility bill which i did.they told me the loan will be paid off on XX/XX/XXXX and my next payment on new loan will be on XX/XX/XXXX i found out on XX/XX/XXXX that loan has not been paid off and i am getting every day harassment call regarding XXXX payment that i am past due i called many times and i get no where they also have put that against me on credit bureau i dont know what i am supposed to do nor where to go please help i do have all the emails and closing paper thank you for your time

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following infor

mation : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

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 2022-10-19
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: Investigation took more than 30 days

Complaint:
I received your response that you wont process my request to dispute inaccurate information because you believe it didnt come directly from me or are claiming that Im working with a third party or credit clinic. Lets get the record straight!!! Im the one whos disputing this information. The information Im disputing is INCORRECT & I NEED THIS MATTER HANDLED IMMEDIATELY. I do not recognize the information listed below and request that you investigate the source of these accounts and ascertain that the DATA FURNISHER had a permissible purpose, and is able to verify my complete file information including full name, address, date of birth, and SSN #. 

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} - I was never late ... the bank made an error with my address and sent the statement to the wrong address. They said they would remove the negativity. Please remove negativity... please check account is not untimely, unverifiable, incomplete or inaccurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} - I was never late on this account. Bank had the wrong address and agreed XXXX remove negativity. Please verify all information is 100 percent accurate true and correct. Also please verify this account is not untimely inaccurate unverifiable or incomplete XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - I was never late on this acct. It was paid in full... Creditor agreed to remove all negativity. Please review file for all inaccuracies. Please verify it is not untimely, inaccurate, unverifiable or incomplete. Please remove negativity ASAP Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-20
Company: JPMORGAN CHASE & CO.
State: NC
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:
I have a problem with my closed Chase account which I closed on XX/XX/2021. 
Prior to closing the account I put a deposit for an XXXX in the amount of {$2100.00}. 
On XX/XX/2021, the owner from XXXX issued a refund to my closed account. 
Chase claimed they purged my account and they can't find it. 
Now I'm unable to get my refund due to me I have all the information from XXXX that the refund was accepted by Chase for the closed account including the XXXX number. 

I've contacted Chase Correspondent Department via fax on XX/XX/2021 and via mail on XX/XX/2021. I've yet to received any information from Chase regarding a refund for my closed account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-08
Company: AMERICAN HONDA FINANCE CORP
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem related to refinancing

Complaint:
New car purchased XX/XX/18.Preapproved loan with Honda Financial Services showing approval for new loan taken to dealer which was XXXX XXXX in XXXX, Ohio. Search for new car completed online using XXXX XXXX as a tool to try to get the best deal for car. Told by internet manager XXXX XXXX that once loan was approved she would receive approved loan application. Loan rate that I applied for online with Honda Financial Services was 1.9 % rate. Went into dealer and was told that the loan rate did not apply to the amount of months that I was financing for. I have written rate and months that I applied for and was still told that it did not apply to my purchase. The financial manager said that the rate that I would be financed for was 2.9 % evening after showing the approval amount and the rate and months applied for online prior to going into the dealership. The finance manager signature can not be read. I tried to contact the dealer to get his name but was not successful. He told me at the purchase time that he will make it work to base the new loan payment to be the amount of my previous loan amount of XXXX dollars. 
I was contacted online to complete a survey regarding my experience. I tried to be fair and honest about how I felt the transaction had went. I also received a phone call shortly afterwards asking how I felt about my experience at XXXX XXXX of XXXX, Ohio and told the person that I had completed an detail survey which was very lengthy. 
I contacted Honda Financial Services which had to be done by mail showing all of my documents from them when I applied online for the car loan and was told today that Honda Financial Services work independently from the dealers and that I would have to go back to the dealer XXXX  XXXX regarding the change of the loan rate. 
I am just trying to find out why the finance company and the dealer do not honor the rate after the customer apply and is approved for the loan. 
As I stated previously I have documents showing my approve rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am interested in disputing all inaccuracies on my credit report with Transunion.

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 2020-01-05
Company: AES/PHEAA
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I am enrolled in the public student loan forgiveness program. I have submitted my employer certification form regularly and qualify. I have also been in a qualifying plan with income based repayment. This is through " Myfedloan. '' The number of qualifying payments fluctuates seemingly at random. I asked for a review of this in XX/XX/XXXX and was told that I would receive a phone call and e-mail about progress. I had received no communication so I called again XX/XX/XXXX. Then I was told it may take six months. In XXXX I received a letter ( which I have attached ) that showed updated payment amount. However, these have once again begun to fluctuate. As an example for 1 loan : XX/XX/XXXX - 32 qualifying payments ( this is the first loan listed on the XXXX bill that is attached ) This number was quite low. And prompted the original phone call in XXXX. 

XX/XX/XXXX - 78 qualifying payments, letter attached. 

XX/XX/XXXX - Bill confirms all of these amounts, bill attached XX/XX/XXXX - Multiple loans change amount of qualifying payments ( majority go down, meaning I lost payments ). 

XX/XX/XXXX - Several loans lose more payments. My employee certification form was once again sent and accepted. 

I called again on XX/XX/XXXX. They tell me that my file is still in review. Can you imagine making a XXXX dollar monthly payment and after multiple months they take 10 payments away? If this was a car and you went to the dealership and they told you the last XXXX dollars didn't count, what would the legal system do? There is no point person for my case. They will not give me a possible end date, merely saying they are " working on it. '' They will not call or email updates though they always say they will. They will not give me any of the paper work they are reviewing to make these determinations. I speak with someone different each time I call. I am getting closer to what should be an end date for forgiveness and in reality there is no end in site as they can simply erase multiple payments for no clear reason. Along with this, I am stuck with my ridiculous interest rate of 7.3 % on average as you can not refinance and stay in the PSLF program. Biggest scam ever. I can not plan for my future as I have no confidence this program is going to actually work, yet I feel stuck as I am so far in at this point that refinancing would result in dramatic financial hardship. 

Please help me make them accountable!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-11
Company: Navient Solutions, LLC.
State: KY
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I co-signed this student loan for my son in XX/XX/XXXX when it was XXXX XXXX. My son wasn't working and he had a degree in XXXX XXXX but he was trying to get XXXX Certifications. Over the course of the loan, I tried to make timely payments. Probably somewhere around XX/XX/XXXX, I started to struggle with making the payments and while they were not made on the exact day due, they would be made before the next due date. If my payment was only one to two days late, the phone calls would start. The calls would be relentless to where I just wouldn't answer the phone. Sometimes I picked up the phone not knowing it was them because I couldn't ID the caller. When I did answer, the Navient callers could be brutal. At times, I would tell them that I had already gone on line and set payments. They acted as though they couldn't look at their system and see that I had set payments to be made and they would press me anyway. I would tell them if they would just check their system that they could see that a payment was set to be made. They treated me as though I was lying and the next day I would get a call again. I would tell them that I had just talked to someone and I had already set a payment to be made. My biggest complaint is the harassment and how they would talk to me. They never told me about any way to help me payoff the account in a way that would help me. They offered me no help, only harassment!!!! Today I have finally paid the account down so that I can be rid of them. But, I do feel that I am a victim of their harassing collection practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05
Company: Kikoff Inc.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have requested on multiple occasions for Kikoff Lending to close my account. They have not closed it, but instead reported negatively on credit bureaus. I requested this account be closed because I can not afford it. It's not a loan. You pay them money on a monthly basis and they report positive to credit bureaus. I've tried to close the account on my own and it won't let me log in even after changing my password, but instead tries to make me open a NEW account, then tell me my information is already associated with another account. Customer service told me they could not vetify my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10
Company: Nelnet, Inc.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
My student loans are held by Nelnet. At the beginning of XXXX I applied for the SAVE plan. I received confirmation that they received my applciation and later they requested my pay stubs. I've sent them all the documents they requested in XXXX and have not heard back. My payments ar supposed to start in XXXX and I have yet to receive a statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06
Company: Reel Time Capital LLC
State: FL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I was harassed multiple times during the day from multiple numbers of the same Reel Capital employees. They left messages with personal information and treated me with a warrant like I was some kind of criminal. They called a family member that I have no spoken in over a decade. They harassed my boyfriend. They also harassed and left messages on my mother 's voice-mail and scared her almost to death. Every message was the same and relayed personal information then threatened that they will send a warrant for my arrest. I had to change my personal phone number just to be left alone and so they called my mother even more. I am so upset and they need to be reprimanded. I talked to a supervisor once and asked what they were contacting me for and she put me on multiple holds and wouldn't tell me what the call was regarding. My mother called back and she would not tell my mother what the situation was regarding eirher. If you are harrassing someone the least you can do is tell them why you're harassing them! I am also 5 months pregnant and I had days I was so stressed out from them that I worried about the health of my child. This is what caused me to change my number. Then they harassed my family members who brought more stress for me and my unborn child. I have attached a picture of one days worth of calls all from the same debt collector. It totals to 9 calls in one day.

Company response to consumer: Closed with explanation