BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-13
Company: Rocket Mortgage, LLC
State: MD
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Quicken Loans, aka Rocket Mortgage refuses to follow the new law " Blue Water Navy Vietnam Veterans Act of 2019 '' They are requiring a 10 % down payment from us to approve our mortgage application for a home in XXXX XXXX, CA. The county conforming loan limit is {$510000.00}. They say we can not get a XXXX down VA mortgage above this limit. They stated that we must pay 10 % down payment on a VA loan if it is above that limit. We brought this law to their attention and they refuse to honor and follow the law. 

Because of the Blue Water Navy Vietnam Veterans Act of 2019, VA borrowers can add the ability to purchase above the county loan limit without needing a down payment. Starting XX/XX/XXXX, veterans with full VA loan entitlement can now borrow the full loan amount without needing to factor in a down payment. ( please note, this is not just for " Navy Vietnam Veterans ''. The act is for ALL veterans ). 

Reference is here from the VA : https : //www.benefits.va.gov/homeloans/documents/docs/bwn_faq.pdf. We draw your attention to the last bullet statement in the first FAQ that states : " A removal of the effective loan limits for VA-guaranteed loans, closed on or after XX/XX/XXXX. This may be especially of interest to Veterans seeking to obtain what are commonly referred to as jumbo loans, or to Veterans living in higher-cost markets, as VA borrowers with full-entitlement may now obtain no-down payment VA guaranteed home loans in all areas of the country, regardless of housing prices. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-02
Company: Northland Group Inc
State: FL
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 've been a victim of identity theft. On or about XX/XX/XXXX I 've obtain a XXXX Credit card and was given a free credit report. I soon then gotten a delinquent notification on my credit report. I then found out that I have a XXXX 's CC that I never open. The last time that I applied for a XXXX 's CC was back in XX/XX/XXXX and I decided not to use it because I only have a limit of {$100.00}. I soon called and find out that the XXXX 's CC was open on XX/XX/XXXX and the person who did this was making payments on it. I called and ask about how this has happen and filed all type of paper work to get this fix. But it been about a year now and nothing has been fix. I submitted A police report followed up with a identity theft affidavit to help me get this fix. But XXXX 's department keep denying my case for over 1 year now. I 've even got the purchase info for the person who was using the account and it was clearly a woman whom was using the account and yet the said it was me and denied my claim because they said that I open the account with me ID. But clearly this a identity theft issue. XXXX 's has yet understand that. They will not give me the account number because they said it 's a identity account but after even saying that, they are still pursuing me to pay the amount that I never use or open up.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-02
Company: United Revenue Corporation
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The data that you showed in my credit report I previously requested a proof of how you managed this. You can't demonstrate any of the data referenced in the past credit report information that I challenged with.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-10
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
Advised all three credit bureaus on numerous time that I am a victim of identity theft and need accounts removed from my credit files and its been over a year and they are still reporting invalidly on the following accounts : XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX these accounts need to be deleted immediately.

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 2020-08-28
Company: FORD MOTOR CREDIT CO.
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint:
It is about a XXXX car that I no longer have. On XX/XX/XXXX I purchased a used XXXX XXXX XXXX for XXXX from XXXX XXXX XXXX XXXX. located on XXXX XXXX XXXX XXXX XXXX VA XXXX. From the time of purchase and Until no longer had the car, XXXX, I took the car to their XXXX service to get oil changes, maintenance, repair and recalls. On XX/XX/XXXX transmission stopped working on the XXXX XXXX  while I was driving near XXXX XXXX XXXX located at XXXX XXXX XXXX hey in sterling XXXX, this dealer diagnose the car, and requested over 6000 dollars to get transmission repaired. I told the dealer that I was not going to spend any more on that car since I got my Ford Service Credit car charge over XXXX dollars in XXXX, and there is no way that car could have breaking down right after, unless that transmission came faulty, and should got it repair by the recall by the dealer service center. In XXXX of XXXX, an employee of XXXX contacted me asking me to sign off the title for the car and he was going to pay for the diagnostic fee that XXXX charged. I explained the situation to him and told him he could keep the car and pay Ford Credit Motor off, he declined and said that he was only offering to pay for the car the diagnostic fee to buy the car, around XXXX dollars. Ford Motor Credit Company repossessed it on XX/XX/XXXX and send a letter stating that they got around XXXX after expenses, XXXX before expenses. Ford Credit needed me to pay them XXXX. Ford Credit mail me a letter on XX/XX/XXXX that offered me to settle the debt for XXXX dollars. I am declining for 2 main reasons find out that similar cars that were sold around the same time, same model have transmission issues and also the book value of that car is not XXXX dollars, I finished paying the Ford services credit card and I have made close to XXXX dollars on car payments and Ford still wants more money for a car that came faulty. On XX/XX/XXXX at XXXX XXXX  I have a warrant in debt hearing scheduled at XXXX general district court. The attorney for plaintiff is XXXX, XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX VA XXXX. 
I am disputing charges due to transmission being faulty. Please help. 
XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25
Company: Mr. Cooper Group Inc.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
In XXXX XXXX XXXX XXXX divorced XXXX XXXX XXXX and in XXXX without my knowledge he was able to obtain a second mortgage for my home that was quit claimed to me on my divorce decree. Subsequently the loan is in default and nationstar is refusing to give me the pay off amount I have requested it several times and was not able to obtain it since the mortgage is not in my name the second mortgage was done and obtain by XXXX XXXX XXXX without my knowledge nation star has refused to speak with me. the home is now in foreclosure and it houses my business which consists of 5 persons with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-08
Company: Ocwen Financial Corporation
State: AZ
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I have file a Chapter XXXX BK back in XXXX the Mortgage with Ocwen XXXX Bank account number XXXX was included in this BK. XXXX  and XXXX  have delete this completely from the credit report. I'm having an Issue getting them to remove it from XXXX. this is affecting my loan Application.

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 2020-05-13
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I XXXX XXXX have requested on three different occasions to obtain a free annual credit report to XXXX  and Equifax. I have received my XXXX XXXX report, but I don't know the reasons why the other bureaus are being held up. Please help as I really want my free annual credit report from each bureau. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 came apon checking my credit for accuracy and found out my personal information has been used to open car loans and other accounts of some sort without my permission i was adviced to fill out this form to bring this issue to an end

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 2021-02-21
Company: TRANSUNION INTERMEDIATE 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: Information belongs to someone else

Complaint:
I have Unauthorized accounts & inquiries on my Credit report. According to the Fair Credit Reporting Act, you are required by federal law to verify Any Unauthorized items on my report must be removed if not % 100 accurate & Verifiable. Please Remove this From my report I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed.

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: WINNPOINTE CORPORATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Contacted Interactive mortgage on XX/XX/2020 to apply for a conventional refinance. Verified with the loan XXXX if this will be a XXXX loan to which the loan XXXX said yes. The loan amount needs to be under XXXX in my zip code of XXXX. 

As soon as I mentioned I am self employed, the loan XXXX refused to take my application and said they don't take self employed borrowers. I told him I have refinanced plenty of times without a problem, and as recently as a couple of months ago but he still refused to even take my application. 

I also told him that XXXX XXXX  allows self employed borrowers and has clear guidelines for it, but still the company refused to take my application. 

I feel this is a clear discrimination and severely impacts my ability to get a competitive rate even though I qualify for all underwriting guidelines, have been self employed for over 10 years, and meet all the criteria.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
in XX/XX/XXXX I opened a Capital One card in XX/XX/XXXX the card was compromised and I reported it to Capital one. They kept giving me the run around and sending me from one person to another. I spoke to Capital One and they was suppose to fix the fraud. Not only did I not get the money I put in the card. But they put all the money on me and said I got ta pay it.
I have disputed it over 10 times with the credit companies and no resolution. I call Capital One and they just place me one hold even the supervisors. This has been a nightmare for me, I do n't know where else to turn.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
This problem is the same issue I had with XXXX bank XXXX. Please reference my previous complaint. I made a transfer from my XXXX Bank checking account to my XXXX mortgage online prior to the days cutoff. The transfer was made on XX/XX/XXXX around XXXX PM. This is before their transfer cutoff time and during normal business hours of branch operation. The next morning I checked and the payment was still in a pending status. This must have been due to an issue with their online banking. The transfer was kept in a pending status until XX/XX/XXXX. Instead of posting the payment on the XXXX they posted it on the XXXX even though I made the payment on the XXXX. They then reported me over 30 days late to the credit bureaus. This is a regulatory violation and they must post the payment on the date they received it even if it takes them longer to process it. They need to remove the 30 day delinquency from all XXXX major credit bureaus. Again, this is the SAME problem that I filed in XXXX and you can see it in my dispute history.

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 2021-02-02
Company: Harris & Harris, Ltd.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I've requested on various occasions to send verification from proprietorship however they haven't agreed to my solicitation yet. I don't have a record of this record that always had a place with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
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:
Capital One does not offer their credit card customers viable alternatives to contact them besides telephone. They are unable to assist with anything substantial on social media either and only offer " general '' customer service items via those platforms. It is very inconvenient for customers to have to call Capital One directly and go through their automated system to try and get a live person on the phone. Capital One should offer it's customers a chat option and secure email option to contact them after the customer is logged into their Capital One credit card account on their website. This is extremely frustrating they only offer 1 way of contact to answer questions or resolve any account items in this day and age. They have not had another viable contact method for credit cards for years now.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15
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: Information belongs to someone else

Complaint:
The accounts and information, addresses are not mine to the best of my knowledge Enclosed all documents XXXX XXXX XXXX Account Number XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX XXXX XXXX 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 2020-07-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1400.00}, {$2000.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$6100.00}, {$2400.00}, {$6000.00}, {$920.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1400.00} -This is not my account. 

2. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2000.00} -This is not my account. 

3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- STUDENT ACCOUNTS 4. DEPT OF ED/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

5. DEPT OF ED/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

6. DEPT OF ED/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

7. DEPT OF ED/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

8. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

9. U S DEPT OF ED/XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6100.00} -This is not my account. 

10. U S DEPT OF ED/XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2400.00} -This is not my account. 

11. U S DEPT OF ED/XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6000.00} -This is not my account. 

12. U S DEPT OF ED/XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$920.00} -This is not my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: RI
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 see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-10
Company: AMERICAN EXPRESS COMPANY
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I have an AMEX Platinum card and was sent an application for a Gold card which included a XXXX   mileage reward. When I applied I told AMEX ( XX/XX/XXXX ) I thought I once had a Gold card, but AMEX assured me I was eligible. I met the spending requirement and in XX/XX/XXXX not seeing the miles, questioned Amex. The company said the miles would be posted. When the miles did not turn up in XX/XX/XXXX, I called again and was told I was not eligible because I once had a Gold card. I made every effort to clarify my position and believe AMEX owes me the mileage reward.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-02-22
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: IA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I disputed Portfolio Recovery Associates, LLC account on all 3 of my credit reports in XX/XX/XXXX. I received a letter dated XX/XX/XXXX, which did not validate the alleged debt. ( Letter enclosed ) I sent another request for validation by certified mail on XX/XX/XXXX. Prior to XX/XX/XXXX, I did not receive a dunning letter as required by law. I was not given notice before/after of negative information being reported to all 3 credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-22
Company: Navient Solutions, LLC.
State: GA
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 went to school and thought i was only borrowing what i needed and each time they mailed an check and said you borrowed extra and would not allow it to be returned as it was actually a grant that i would not owe for in the end, then i needed up owing XXXX for a degree, then they said oh do not worry do the IBR and it will reduce the debt and payments and 5 years and XXXX in payments later i now owe more ( XXXX ) they are total thieves and liars.

Company response to consumer: Closed with explanation