BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-07-06
Company: Rocket Mortgage, LLC
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
The refinancing application through Quicken Loans aka Rocket Mortgage has been a terrible experience. I have been victim of their unprofessionalism and incompetency. Quicken Loans aka Rocket Mortgage have repeatedly violated my RIGHT as a borrower to : - be informed about the total cost of my loan including the interest rate, points and other fees. 
- have access to a Good Faith Estimate of all loan and settlement charges before I agree to the loan and pay any fees -. 

Example one : during the application process they realized/discovered that XXXX XXXX XXXX ( aka XXXX ) held first lien of my mortgage, and not the company I had originally refinanced with the first time. I was asked very casually if I was open to paying off XXXX  -failing COMPLETELY to mention the HUGE impact this action would have on the cash back terms of the loan. After I agreed to pay off XXXX they casually mention this will decrease by over 9,000 the cash back amount mentioned in the Loan Estimate terms I was presented XX/XX/2019

Quicken Loans should have been able to see the lien information when they pulled my credit report. XXXX being 1st Lien should have NEVER been news/surprise to Quicken Loans. I expected to be refunded in full the {$500.00} I paid for Appraisal cost. Appraisal I agreed on based on the inaccurate, deceitful " Loan Estimate '' of XX/XX/19. 

When I demanded refund my request was escalated. They denied the refund and continued to say : " I reviewed the communication you had with us up front and did find that you explained to XXXX that you had completed an 80/20 loan. The 80 % is the 1st lien and the 20 % is the 2nd lien. Since we were advised you had the 80/20, we set up the application thinking that the 20 % was the 2nd lien as this is typically the case ... " Their job, as a lender, is not to " think '', " assume '', or " guess '' liens .... their job is to be thorough, do a professional, honest, job and provide borrower with an accurate loan estimate after using the tools available to them as a financial institution - such as : my full credit report. Instead they made assumptions .... The decision I made was based on their assumptions, presented to me as fact. 

They have also denied me the contact information, requested several times, of the person they were in contact with in XXXX despite repetitive attempts on my part to obtain it. 

Please stop this company from abusing borrowers like me : I'm a XXXX XXXX XXXX  mother, head of household, holding 2 jobs, to meet my financial responsibilities and pay all my bills on time ... they just scammed {$500.00} out of me, and have no remorse or sense of responsibility for their actions/mistakes. They refuse to refund me the {$500.00}, they mislead me into paying for appraisal.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-06
Company: Performant Financial Corporation
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have not received a detail of the services provided and the amount owed for what services. I have also been in contact with the debt collector company Im waiting to receive information reported to credit

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-04
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: Information belongs to someone else

Complaint:
I have disputed accounts on my XXXX credit report that is not mine or not being reported correctly but it's still showing on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-26
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: Account information incorrect

Complaint:
After review my Equifax report, I decided to write XXXX XXXX to get a debt validation. My original letter was sent to this organization on XX/XX/XXXX by  certified mail. I received a verification of receipt on XX/XX/XXXX ( see attachment ). However, I never received any response regarding my debt validation. The company never contacted Equifax and placed a notice of dispute on my account within 30 days of my dispute from their receipt on XX/XX/XXXX. This is in violation of the Fair Debt Collection Practice Act Section 807 ( 8 ) by not placing the disclosure within the required 30-day period. 

The listed trade line of XXXX XXXX is also in willful noncompliance as of FCRA 623 ( a ) ( 3 ) Responsibilities of furnishers of information to consumer reporting agencies as well. Since I have evidence of such violation per attached certified mail receipt, I request that this tradeline be removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-26
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I received a letter from US Bank saying I have an overdraft account of {$50.00}. I have not used this account for quite some time however when I tried to login to see why the account became negative as I had not authorized any charges on my account which could have caused this it says I have no active accounts. I have not received any statements showing any charges prior to this letter requesting payment for this unknown amount. I want account to be fixed or closed and zeroed out as I authorized no transactions.

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 2019-07-06
Company: JPMORGAN CHASE & CO.
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I opened a Chase checking and savings account on XX/XX/19 for a {$600.00} bonus. {$300.00} of the bonus was for making a direct deposit to the checking account. {$200.00} of the bonus was for maintaining a balance of {$200.00} in the savings account for 90 days. {$100.00} of the bonus was for doing both of these. 

I made a direct deposit to the checking and was awarded the {$300.00}. After receiving the bonus, Chase randomly closed the account without my consent. I maintained a balance of over {$15000.00} in my savings account for the 90 days and was awarded {$200.00}. I received {$500.00} of the {$600.00}, but the {$100.00} bonus for completing both requirements was declined because of my checking account being closed. I did not close the checking account. Chase closed the checking account. 

I called Chase and tried to work with them. The representative I talked with asked a supervisor to credit my savings account the {$100.00} because Chase was the one that closed my checking, but the request was declined. I think this is a shady business practice to close an account for a customer that was following requirements and doing nothing wrong, and also to decline the bonus later on. I'm not impressed with how this was handled by Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-05
Company: Berlin-Wheeler, Inc. (Kansas)
State: OR
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The problem is XXXX. Only XXXX. I now have two collections with them and only them. I have filed at least 3 disputes with them in the last few months. They keep saying the accounts are valid despite me sending them paperwork from the companies showing I don't owe anything. I have called the companies many times and they have verified there is no account and I have paperwork which was submitted to XXXX. On the phone, XXXX told me, " it doesn't matter what I send in ''.

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 2021-11-30
Company: Smart Money Alliance
State: MD
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
XXXX XXXX masquerades as an XXXX official who provides financial literacy, business loans, grants, and credit counseling for minorities. He operates at XXXX. He also operates at smartmoneyalliance.org. He claims to be given an XXXX XXXX XXXX  to help minorities. 
This company is simply a front to con minorities into getting high interest loans wherein he gets 10 % of every loan approved. 

As well he charges an upfront fee of at least {$2500.00}. Recently he stole my signature and initiated an ach withdrawal of weekly payments which I just contacted my bank about. 

His companies are XXXX, smartmoneyalliance.org, and XXXX XXXX XXXX. All are fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-03
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I paid off my vehicle loan ( refinanced ) end of XX/XX/2018 after I made the XXXX payment. When I logged into account to see if payment was received I noticed that the balanced between XX/XX/2018 and XX/XX/2018 had increased by {$86.00} instead of decreased after the monthly payment was made. When I contacted Citizen One Auto Finance they claimed that they never received the XXXX payment but my bank billpay gave me proof of payment which I told them I had. I also informed them that they gave me the wrong payoff amount to me and my bank and that the payoff was overpaid. That they owe me a refund for the overpayment of the payoff and the missing funds not credited for the movember payment. They claimed they would look into it. The following day I went on to look at my account from Citizen One Auto Finance online and I found my loan-account had been deleted within 24 hours of my call to them and they never responded to my emails on their secure email account when my account was active 24 hours prior. So in 24 hours of me notifying them that there is an accounting error and they owe me money for my overpayments, There is No trace of my account. Non- existed! I couldn't look at previous payments or balances ... Or even see my account number. When I spoke with customer service they confirmed this is their policy! Their policy is to delete all trace of history I have had with them. I informed them that i had copies of the statements and payments I made.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-07-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Kohl 's Charge Customer Service unable to solve a problem that was caused by them. Promised over and over again to remove a duplicate fraud charge made by one of their representatives for an item that was never sent to me and I was charged already a year earlier. - Endless calls and hours and hours of explaining this issue over and over again yielded nothing. 

Below is a fraud charge that I asked them to dispute over and over again - they failed to dispute it and treated me with disrespect over and over again. They admitted over and over again this was a duplicate charge that was never supposed to be charged to my credit card store account with them. MY ACCOUNT IS SUPPOSED TO have a balance of {$0.00}!! Kohl 's store card refused to provide any customer service. I called them 12 times about this issue, each and every time they agreed to solve it immediately, never happened. They do not obey the law, any credit card customers beware! 

XX/XX/19 ECOMMERCE # XXXX {$66.00} ( FRAUD TRANSACTION BY A KOHL 'S REPRESENTATIVE THAT LED TO ALL FURTHER ISSUES DOWN THE LINE : XX/XX/19 XX/XX/19 LATE FEE {$27.00} XX/XX/19 XX/XX/19 REFUND OF LATE FEES $ XXXX XX/XX/19 XX/XX/19 *INTEREST CHARGE* PURCHASES REFUND $ XXXX XX/XX/19 XX/XX/19 *INTEREST CHARGE* PREV CYCLE PURCHASES $ XXXX XX/XX/19 XX/XX/19 *FINANCE CHG* DISPUTE ADJ PURCHASES $ XXXX XX/XX/19 XX/XX/19 DISPUTE ITEM ADJ LATE FEE $ XXXX XX/XX/19 XX/XX/19 *FINANCE CHG* DISPUTE ADJ PURCHASES {$2.00} XX/XX/19 XX/XX/19 DISPUTE ITEM ADJ LATE FEE {$38.00} XX/XX/19 XX/XX/19 INTEREST CHARGE ON PURCHASES {$2.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-06
Company: EXCEL FINANCE COMPANY
State: LA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I already had issues with this company coming on my job and attempting to collect a debt I front of everyone including customers and threatening me and calling multiple times after being asked not to call ... threatening me with law suit on my job where customers and other employees could here my personal information..now they have did 2 hard hit inquires on my credit report without my knowledge or permission once in XX/XX/2019 and again on XX/XX/2019.. they are continuing to violate my rights and I want these hard hit inquires removed because I did not authorize them

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-17
Company: Nelnet, Inc.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I have been making student loan payments on and off for 20 years to Nelnet. In XXXX i started making consistent payments on income based repayment plan. After 1 year the principal balance of my loan went up several thousant dollars because of interest, I called and said i wanted my payment amount to at least cover the interest so my balance would not go up. They changed my plan to an extended plan which i did not authorize. I would not have authorized a plan that would not qualify me for the Public Service Forgiveness program if it had been explained to me. I am a XXXX and told them i wanted to be part of that new program, that people were just starting to hear about in XXXX. But they did change my plan unbeknownst to me and 7 years worth of nearly {$1000.00} a month payments never gave me credit toward the Forgiveness Program. My balance never went down and now close to my retirement they told me I still owe what I owed 7 years ago and no payments went toward the Forgiveness Program. I want credit toward the Forgiveness Program for those 7 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 am avictimof inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation within my Transunion Consumer Report. This denouncing of themis-reporting/mis-informationaffidavit is to assert my command that you, asregulated, produce physically countersferfederal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation ofINACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence myutilzationof this manipulated Identity Victims Complaint and Affidavit

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 2019-01-03
Company: EQUIFAX, INC.
State: NJ
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:
Here are List of inquiries desired to be deleted, Their customer service would not help and take care of the negative inquiries reporting to my credit report for XXXX XXXX They gave me an attitude about speak with there manager. 

XXXX/XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX-XXXX   XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX XXXX/XXXX  XXXX XXXX  XX/XX/XXXX XXXX/ XXXX XXXX XXXX   XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX   XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX   XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX   XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX # XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-25
Company: WELLS FARGO & COMPANY
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/XXXX, I changed homeowner 's insurance companies. I paid for the policy upfront in full on the date of issue, XXXX XXXX, for {$820.00}. I then contacted Wells Fargo to notify them that I changed companies and paid the insurance. In XXXX, I contacted them again concerning my insurance because it did not appear that they updated my records. They increased my escrow, based on the insurance payments that they alleged they paid, and increased my mortgage payments almost {$200.00}, based on an alleged shortage that did not exist. They then failed to apply my mortgage payments that my bank sent automatically each month, claiming they were only partial payments, putting my mortgage payments that were being sent like clockwork directly from my bank each month to be behind three months. They then threatened foreclosure action. I called the insurance company that verified that I, and not WF as WF claimed, paid my insurance. My loan is nearly paid off and suddenly, Wells Fargo has ruined my credit, based on an escrow shortage that does n't exist. In fact, on XX/XX/XXXX when I finally spoke to a supervisor, after being on the phone for over two hours with Wells Fargo, she admitted I had an escrow overage, not a shortage. If so, why did my mortgage payments increase based on an alleged escrow shortage? City taxes increased, but she said my escrow still had an overage after taxes were paid. WF created a shortage that did n't exist to extract additional money from me and to drive my home into foreclosure in order to extract additional fees and expenses.

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 2018-01-25
Company: FirstPoint Collection Resources
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received letter First Point Collections Resource XXXX XXXX, 2017. Attempting go collect a debt for XXXX. First I never received any correspondence from XXXX. Second the FDCPA ( 15 U.S.C 1692c ( a ) states Communication with the consumer generally without the prior consent of the consumer given directly to the debt collector or express permission court or competent jurisdiction, a debt collector may not communicate with a consumer in collection of any debt. I havent given either company the above written consent to contact me in collection of any alleged debt. Further more my name is XXXX XXXX the company has XXXX XXXX XXXX. I have no known relationship with these companies, First Point Collections or XXXX and I am un aware on how they may have obtained my information without my knowledge or consent. I have sent a letter disputing the validity of this alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-25
Company: AMERICAN HONDA FINANCE CORP
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:
Collection Accounts : XXXX XXXX XXXX, acct : XXXX Auto repossession ; Auto Lease Date Reported : XXXX Date Opened : XXXX Credit Limit {$14000.00} Balance : {$20000.00} I Request the method of verification and ask for the following : The name of the original creditor The address and phone number of the original creditor The name of the person at the credit reporting agency who verified the dispute with the original creditor The documentation that was used to verify This information reporting with all bureaus is incorrect/ this account does not belong under my name and I have never had an Auto repossession.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-25
Company: EQUIFAX, INC.
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: Personal information incorrect

Complaint:
In dealing with Equifax trying to correct errors on my free credit report i was unable to dispute information online because their security questions lock you out. So i spent three hours on the phone trying to get tech support only to be told i HAD to furnish my license and social security card first to prove its me me to fix errors and wrong address. There are many errors i would like to dispute online and cant as well as not being able to understand the persons on the phone.

Company response to consumer: Closed with explanation