BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-08
Company: Rocket Mortgage, LLC
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for a mortgage and they denied me. They said I needed a debt to income ratio of more than 43 % and they denied me. I have two tenants whose combined rent is more than enough to cover the entire mortgage. He did not look at my current income which includes their rent receipts. 

He did not know how to read a income tax return.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03
Company: Earnest Inc.
State: PA
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:
XXXX refuses to allow it's loanees to make additional payments directly to principal. I've called customer service multiple times and they are very XXXX  about this situation. I feel that it is an intentional attempt to make clients pay more over the length of their student loans. They do not disclose this at the time of loan application.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03
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 UNATHORIZED ACCOUNTS AND INQUIRIES ON MY CREDIT REPORT ACCORDING TO THE FCRA ANY AND ALL UNATHORIZED ITEMS ON MY REPORT MUS BE REMOVED IF NOT 100 % ACCURATE AND VERIFIABLE PLEASE REMOVE ALL FROM MY CREDI T REPORT

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
Company included is Transunion. They have charged me XXXX dollars a month for their credit monitoring service. I do not remember signing up for it, but it isn't my complaint, as I know people click click click and do things they don't mean to. I cancelled the service around 2-3 months ago. I received the message on their website " you have successfully cancelled your service, it'll continue until the end of the month '' or whatever. I check my credit card again, and it's being charged from transunion again. I go back and repeat the process. There are a couple issues with their process. It's impossible to find the cancel subscription option from the profile page. I can not delete my credit card from my profile so the issue doesn't happen again, and I can't delete my account without calling them during the day. They need a delete credit card option, along with a 'cancel subscription ' option which is accessible from within the profile and isn't hidden through some backdoor. Further, their option to cancel the subscription needs to work and not continue regardless of what I'm asking of it. I missed 7 months of XXXX dollars which is adding up quick. There are no visual indicators, after the initial message, that my subscription has ended. How do I know if i'll continue to get charged next month? I literally don't know if what I did worked until it either happens or doesn't happen. You can tell from the screenshots that the transunion cancel subscription url is similar to the profile page. I couldn't find the page from within the profile and had to do a XXXX search on how to cancel the subscription. Upon navigating their website, you'll see what I mean.

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 2018-03-08
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The consumer Portfolio Recovery on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX in the amount of {$420.00} stated that the company received an electronic file of its business records concerning an allege account owed to them. I formally requested a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay the alleged amount. I also informed the company that per FTC opinion letter from Attorney XXXX XXXX XXXX, that they should be aware that a printout of a bill or itemized document does not constitute verification. 
To this date the company has refused to provide the requested information. They stated that their office considers this matter closed per dispute pursuant to 15 U.S.C. Section 1681s-2 ( a ) ( 8 ) ( F ) ( i ) ( ll ) of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-03
Company: WELLS FARGO & COMPANY
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: Account status incorrect

Complaint:
on XX/XX/XXXX I sent in a goodwill request for an adjustment on 1 late payment from XXXX of XXXX. Wells Fargo did not honor my request which is fine however they then falsely added on another late payment stating it was from XXXX of XXXX. I believe they did this out of spite because I have been requesting a goodwill adjustment for months. This is inaccurate and I have the credit reports to prove this was not on my report 1 month ago.

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 2021-03-03
Company: Freedom Mortgage Company
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Freedom Mortgage collected {$2800.00} as prepaid property tax payment for XXXX in section F of closing disclosure but then never discharged as a tax payment. Trustee 's office recorded only one payment by previous servicer, XXXX XXXX  on XX/XX/XXXX. This money is sitting collecting interest as part of the loan for no reason at all. I want it back with a credit for undue interest as a check or put back in escrow to be discharged as an overpayment at the end of XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03
Company: JPMORGAN CHASE & CO.
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I made a cash deposit to cover a check that was going to go through and chase bank held my CASH deposit and rejected the check that went through. The check they rejected caused {$120.00} in fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I've tried 5 times asking for a credit limit increase on my account that only has a {$1000.00} limit from the inception of the account. 

I've had the card since XXXX & I have always paid my entire bill every month on-time. I have also make multiple payments per month in hopes of keeping my consumption of credit to credit limit ratio low so that it doesn't hurt my credit. I noticed that on my credit reports, consuming anything beyond 30 % of my limit on this account ( XXXX limit, {$300.00} charge or more ) tends to hurt my credit since it looks like I'm using a lot of the credit on this card. 

I have other cards with this same bank that feature credit limits of XXXX so why not increase the limit on this card? I'm a good customer who pays my card on-time, always pay my balance off in full and enjoy the cash back reward I earn on this card. 

Some dates to note : - I opened my account XXXX - I've tried asking for a credit limit using the bank 's online tool on : - XXXX - XXXX - XXXX - XXXX - XXXX All of the letters I've received from Capital One to notify me of the decline to my request only provide a vague response of " A credit limit increase is currently not available upon request because Capital One is evaluating account activity at assigned credit limits ''. This doesn't explain anything or help me understand what I can do to increase my chances of being approved for a credit limit. Also, the website page the document lists ( https : //www.capitalone.com/credit-cards/credit-line-increase/ ) does not have a definition of that this response means. 

On XXXX, I called my credit card company to speak to someone in hopes that I could get a concrete response for my declined increase requests. I spoke with 2 representatives, including a supervisor. Both could not provide me any information. They said they were not allowed to speak about this with me. I asked if their credit limit decisions were automated and the supervisor said " yes ''. So, what if my account is caught in a loop or program bug? Shouldn't I be able to speak to a person who could make a manual evaluation of the facts on my account to determine if a credit limit is justified? I feel like I'm being treated unfairly since I can reference my other Capital One card 's credit limits as samples of what the bank has already approved me for. Also, if someone took the time to look at my account history on all my credit cards with this bank, they would see an impeccable history. 

Help please.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10
Company: Resurgent Capital Services L.P.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
LVNV FUNDING LLC and XXXX  has been reporting that I have a collection/charge-off account with them and they are putting derogatory information on my credit reports. After being frustrated with this situation I decided to do some research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA LVNV FUNDING LLC has violated my rights as a consumer and I requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-08
Company: WELLS FARGO & COMPANY
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: Old information reappears or never goes away

Complaint:
Date Company Request Originator XX/XX/XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX WELLS FARGO FINANCIAL XXXX, IA XXXX XXXX XX/XX/XXXX WELLS FARGO FINANCIAL XXXX, IA XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XX/XX/XXXX WELLS FARGO DEALER SERVICE XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX, TX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX, NC XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX TX XX/XX/XXXX XXXX XXXX XXXX, UT XXXX XXXX XX/XX/XXXX XXXX XXXX AL XXXX XX/XX/XXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, VA XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, FL 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 2020-05-17
Company: Experian Information Solutions Inc.
State: MO
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:
On XX/XX/2020 I sent in documents showing inaccuracies on my credit report. I havent gotten a response back yet and it has been well over 30 days. I also sent in a letter following up with them. yet I still haven't got a response.

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 2021-03-03
Company: EQUIFAX, INC.
State: CO
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:
Equifax and XXXX  are reporting incorrectly that I am ( 120 ) days past due on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due and this incorrect reporting is harming my credit score. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus as well as XXXX to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03
Company: Kriya Capital, LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
After reviewing my credit profile on XX/XX/2020 I identified a discrepancy with an account listed under Creedence Resource Management and validation was requested on XX/XX/2020. On XX/XX/2020 I reviewed my credit profile again as Creedence Resource Management had not responded nor was the account reflected as disputed. Therefore a 2nd validation request for the account was sent out on XX/XX/2020. Credit report was reviewed again on XX/XX/2020 and the account was still reflecting on my report and I do not believe the account belongs to me nor that the creditor has authorization to legally to attempt to collect on this account and the account continues to negatively affect me. Please strike and remove the account from all 3 credit bureaus until adequate validation has been received proving that the account belongs to me and that all information is correct.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
On XX/XX/XXXX my wife and I contacted Capital one about a bill we received that was not our purchases and what we concluded was there was a error created by capital one. Which was that In XX/XX/XXXX I added two authorized users to my account with only providing authorization for one person  obtain a credit card. However, the third authorized user already had a personal account with Capital one. In XX/XX/XXXX the third authorized user with her own personal account lost her credit card and proceeded in XX/XX/XXXX to contact Capital one for a replacement at that point she gave her social security number and Capital one located both accounts but made an error and sent her a card for the account that I am primary over without my authorization or even verification of the account because she has no knowledge of my personal information. Once we tried to explain to capital one we spoke to a rep and two levels of supervisors one by the name of XXXX XXXX who provided horrible, disrespectful Customer service.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-07-23
Company: RoundPoint Mortgage Servicing LLC
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/XXXX Roundpoint lending raised my mortgage by {$200.00}, without notice. Upon contacting them they said my local taxes had increased. After contacting my county treasurer I realized they had made an error in the calculation. After notifying Roundpoint it took 4 months for my payment to be lowered back to what it should have been. 

At the end of XX/XX/XXXX ( I was out of town and didn't receive the letter until early XXXX ) I received a letter from my insurance company stating that my insurance had been canceled because of non-payment. I contact Roundpoint and they said I didn't have an escrow account. I have spent 4+ hours on the phone with them, but they still won't reinstate my escrow account with taxes and insurance and can't explain what happened. 

When I call the call is dropped or I'm put on hold for hours. Also all the direct lines I have been given no long work.

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 2021-06-29
Company: PENNYMAC LOAN SERVICES, LLC.
State: KS
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I reuested a forebareance period for Covid reasons beginning XX/XX/21. I was approved and used the entire period, making a full mortgage payment on XX/XX/21. 

Prior to emgering from forbarence the lender electronically offered me a loan modification, to deal with the missed payments during the forebareance, and offered to lower my interest rate and extend the lenghth of my loan. 

Under the CARES act it was my impression that the lender was required not to report negative information to the credit bureaus during my forbareance period. Now, after the offer of modification, I have found that in fact my credit has been adversly affected throughout this entire process. 

The full payment I made at the end of my forbareance period has been placed in suspense. I am going to be reported as paying late. Also my load modification itself will lower my credit rating, even though I paid a full, unmodified payment at the conclusion of my forbarence period. 

Even the way the forbareance was reported, during the forbareance period negatively impacted my credit, as the bureau used the lack of a payment in the prior cycle as evidence of a lack of credit worthiness. 

I have not missed a payment on any loan of credit instrument in over ten years. I have also taken steps to improve my credit worthiness by paying off and closing over half my credit accounts in the past year. 

In spite of this, I have a credit score ( on most bureaus and instances ) of below 600, making me ineligable for most types of credit. 

In XXXX I was hospitalized for two months, and missed three months of work. I paid every bill durning that period, and only took the forbareance with the understanding that my credit would not be affected by Federal Law. 

Because of this issue, I am unable to refinance my home, even though I have over {$85000.00} in equity. I can, however, sell my home, and use the profit as a way to pay off all my debts, and right my credit. 

So I have decided I will sell my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14
Company: Mr. Cooper Group Inc.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/2020 Mr. Cooper/Nationstar Mortgage submitted a second application without my consent which created a hard credit pull. They not only did this once but twice to my credit. Why would one company need two applications and two hard credit pulls? I have reached out to the company and said : " I apologize for not fully explaining the process ''. I don't think its right for a company to submit applications without approval to pull a hard inquires on my credit. Moreover, how were those legal questions answered by them on my behalf?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I am sure this will involve TransUnion and XXXX, but XXXX has been a problem forever. I recently refinanced my home and also paid off my second mortgage and 2 auto loans. I have no alternative but for the accounts to close once they have been paid off. However, a drop of 66 points is just wrong. How am I supposed to improve my credit score? I have NEVER been late, my credit card balances DECREASE EVERY MONTH, yet I get dinged 10 % for closing an installment loan that has been paid off. I have tried to contact XXXX, but they offer not contact information and it is an endless loop of " contact an agent '' which brings me back to the same FAQ page. Is there nothing I can do about this? What is the incentive of paying off loans when the last payment is due if it is going to affect credit? If I get a loan now, I will have to pay a higher interest rate due to the decline in my credit score fro XXXX to XXXX. If anything, it should have gone UP. XXXX  lowered my score 66 points, TransUnion lowered it 46 points. What is the difference? There is nothing I can do about this, is there? Why bother with paying my bills on time? This is so wrong, and something needs to be done about it. I am livid. I did all of this to increase my score, but now I could file bankruptcy and probably have a higher score. Bunch of jerks. Do something about this. Now, the loan I was going to renew will be much higher. Thanks for nothing.

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 2017-09-22
Company: DISCOVER BANK
State: OH
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 received a promotion with discover credit card where i was on interest free until XXXX as per the conversation i had with the agent on the phone. I never received any terms about the promotion as well as i never received any type of notification on my statements or letter stating the status of my promotion or that the promotion ended. I work for a credit card company and all our statement show the status of the promotion such as how much is left to pay to avoid the interest and when the expiration date is of the promotion so that you can pay it off in time. Not a single one of my statements show any type of anything for the promotion.

Company response to consumer: Closed with explanation