BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-02
Company: Rocket Mortgage, LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/2019, I was notified by Quicken Loans that an employee error occurred during the transfer of my loan to them causing 6 years of taxes on my parking spot to be missed. It has been a continued back and forth since. They were going to increase my mortgage to almost {$1600.00} from {$1000.00}. 
I informed them that I have recently been laid off, I am back in school XXXX and collecting approx {$300.00} weekly unemployment right now. 
I informed them what I can pay monthly which is {$1100.00} a month and its been a struggle since. 
I have never been late with payments. This 6 year issue they cause / is being forced on me to pay back at a payment amount that will force me into financial issues.

Before being laid off I properly planned for my annual increases. Not for 6 years of an issue caused by Quicken Loans. I am looking for help with this back and forth of phone calls, email, undue stress and anxiety. Today I broke down on phone crying and being upset. This is horrible. 
I was told to hold my payment past 30 days In order to get additional support from there resolution team which will affect my creditworthiness and lateness on my account. This is not an option.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-17
Company: EQUIFAX, INC.
State: WI
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:
I was charged {$70.00} for a monthly parking service that I was no longer signed up for. I had called the company at the beginning of this month and they stated the refund would be back in at least 7 days so I did not attempt to cover the costs since they had that 7 day promise. It is now XX/XX/XXXX and no refund had been established and now my credit score is taking a dive because XXXX XXXX XXXX XXXX can not establish their funds back to my card. I paid the charge to my account just so it wasnt going to be a running balance but I am planning on buying a house soon and this parking company is compromising my livelihood and it is out of my control.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-20
Company: SYNCHRONY FINANCIAL
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Mr. Attorney General : I am writing in hopes to shed light on a company that I feel is operating unfairly. On XX/XX/XXXX I purchased a whole house generator. I financed the generator through XXXX XXXX. The agreement was to extend for 36 months, 18 months interest free. In good faith in XX/XX/XXXX I signed up for auto payment with the ability to receive monthly payments notices as reminders. As I look back, I received two payment reminders in XX/XX/XXXX. With the payments on auto pay I continued to make payments monthly without payment reminders. 
In XX/XX/XXXX, XXXX XXXX attached {$4500.00} interest. It was then that I realized I had missed the 18 month deadline for repayment without interest. Since XX/XX/XXXX, I have received a written monthly notice for payment. I was never notified of the interest free period coming to an end as agreed to. I felt the details of the contract would be upheld but I see that it was not. 
I see this as unfair and it appears deceptive. I feel as though I was targeted. I did not receive monthly notices until the interest payment was added, now I receive them every month. In their failure to provide monthly notices, I did not make the final payment, as I would have, had the notice been sent that the interest free period was to end. In this way I feel that this company purposefully declined to send notices so that I would forget about the interest free period which allowed them to add the interest accrued. I wonder how many others have experienced this behavior from them and have also had to pay back interest. I am able to fight this but what about the elderly and the infirm who depend on these products and are taken advantage of by this type of financing. 
I do think this is unfair practice for their patrons. This builds distrust. I will never do business with this company again as I feel they failed to provide adequate notification of contract changes. I feel they should remove the interest accrued as they failed to provide me with the monthly payment notices as agreed. I do feel had I received these notices, I would not have missed the interest free payment date. This pattern of practice, although maybe legal, is not fair. 
Please take a look at this companys practice. Their use of these types of loans are set up as a trap and should be discontinued if proper notifications can not be sent. Thank you. 
Sincerely, 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 monetary relief
Consumer complaint received 2019-10-02
Company: Mr. Cooper Group Inc.
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
My name isXXXX. I purchased my house is XX/XX/XXXX. Due to financial stress, since my wife does not work, my loan officer suggested I apply for a loan modification. We started the process in XX/XX/XXXX, and after what seems like eternity I was finally approved in XX/XX/XXXX. ( I attached a letter of approval from MrCooper the Mortgage Company ). My payment dropped to {$1700.00} and I had to complete a trial payment for 3 months. I made all 3 payments in the time allowed based on the approval letter. I did not miss nor was I late on the payments. But on the last payment I had Initially scheduled that payment online for XX/XX/XXXX. But due to my pay being a little short that week, I called MrCooper customer service on XX/XX/XXXX and ask to reschedule the payment for the XXXX of XXXX which is still within the time frame of the due date. But apparently the agent I spoke to has changed they payment categories causing my third payment to show on their record as unspecified payment instead of the normal monthly payment. My loan officer and I have been calling MrCooper customer service for over a month now to have this error correct and issue the final agreement for the loan modification, but we have seemed to hit a wall. We keep getting different answers every time. Initially they stated that they did not receive the signed initial approval letter. So, my loan officer resent it to them. We waited a week, still no movement we called back, now the agent at first said they didnt receive the 3rd payment after we insisted, she went back and looked and advised they did in fact received the signed letter and all 3 payment. She advised she will send a request to have the proper department issue the final loan modification letter. We waited another week and only thing I received in the mail is a letter of Foreclosure Pre-Sale. We called ( my loan officer and I ) called MrCooper back and the agent once again stated that she is sending a request to update the record for the 3rd payment and have the proper department send the final loan modification and she stated it will take another 10 days. Meanwhile MrCooper lawyer still proceed with the Foreclosure process and after 10 days of waiting for the final loan modification, the only letter I received is another letter of Foreclosure Pre-Sale.

I do not want to lose my house ; please can you help me get this straighten out with MrCooper. I feel like they honestly dont care to correct the mistake that their own employee had made by mislabeling my 3rd payment, and just want to get me out of my home. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-19
Company: Kashia Services
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX issued a loan to someone who applied using my personal Info since the person who took the loan defaulted they are trying to come after me.

I have a Consumer alert indicating my information was stolen, i also have a police report and FTC affidavit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11
Company: HCFS Healthcare Financial Services of TeamHealth
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XX/XX/2022 I spoke with XXXX at XXXX. He confirmed that there was no signed contracted with my signature, but he will send me a letter of what's owed. I told him, I'm completely covered by medical insurance and has NEVER done ANY business with ARS ACCOUNT SOLUTIONS which comes off deceptive with the name also listed as ACR XXXX XXXX XXXX XXXX XXXX  on my credit report, this was my reasoning for calling. XXXX also confirmed the amount owed as {$2000.00}! When I realized I was speaking to a debt collector, I immediately told XXXX I would be making a complaint to Consumer Financial Protection Bureau and we both ended the call. 

I want this company ( ARS ACCOUNT RESOLUTION ) to provide me the legally required validation of debt listed below : 1.Complete payment history, including but not limited to, verification by line item ( with an explanation of each item ) for the entire amount, dates of execution, as well as last date of activity. This requirement was established by XXXX XXXX USCA-02-C-0072 2.Proof of my identity 3.Proof that ARS ACCOUNT RESOULTIONS owns this debt or the Contract giving you power to collect. 
4.Proof that this debt has not been written off as a tax liability 5.In addition, I've recently learned that you're required to send me notification of this debt and your plans to report it to the credit bureaus prior to doing so. YOU NEVER DID THAT! And if you think you did, then you must also send me proof that you did.

I am demanding all of the following resolution in regards to my complaints Deletion from all consumer reports.

Remove all remarks or comments off my consumer report Cease and rescind use of my intellectual property, my signature

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-03
Company: SUNTRUST BANKS, INC.
State: MI
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:
I wanted to get a loan.I checked my XXXX report and under loans pre-approved I applied for a loan with a soft inquiry with XXXX.After I did that I received multiple emails from different loan companies like XXXX, XXXX, XXXX XXXX, Lightstream, XXXX XXXX XXXX, ETC.XXXX called me right away and asked questions over the phone and asked permission to do softpull.I was denied credit from them.Shortly after I hung up the phone, i received a email from XXXX   showing a change on my credit report.I logged in on XXXX and it shows a hard inquiry I never gave permission or even talked to them for 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 2019-05-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
XXXX and Transunion are reporting incorrectly that I am 30 days past due on the XXXX XXXX partial account number XXXX. ( Please see pages 5 and 6 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.

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 2017-11-20
Company: United One Mortgage Inc.
State: NJ
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I have already contacted the NJ Dept. of Banking, and due to this being a " federal '' banking issue, they referred me to you ( I know that the NJ Dept. of Banking forwarded to you my file and copied you on a letter sent to me dated XXXX XXXX, 2017 ). I have that documentation and relevant correspondence to submit separately if required, but to quickly summarize my complaint here, I have had fraud committed against me by a mortgage company based in XXXX XXXX, NJ ( United One Mortgage/XXXX XXXX-Owner ). A salesman representing XXXX XXXX, XXXX XXXX, made representations about a HELOC that required some personal funding to help " close the loan '' on a deal handled by United One Mortgage. I was asked to deposit {$5800.00} payable to his company XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ. The terms of the short term lending, was I was to have received the original deposit + {$400.00}. That total of {$6200.00} was to be paid " within a few days '' of receipt of those funds. I personally went to his bank and deposited those funds in XXXX XXXX. 
After weeks of trying to collect my money, I found out that XXXX XXXX was put back in prison for fraud/money laundering!! XXXX XXXX never told me that, but only said that XXXX XXXX had a XXXX XXXX and is n't available. However, XXXX XXXX was VERY familiar with my financial arrangements, and he said he would " personally take care of it immediately. '' He sounded sincere and convincing. I did NOT appreciate being lied to about the circumstances surrounding his salesman, but I overlooked that fact, and I let him know that. I only wanted the money due to me. To show my good faith approach, I even referred a friend to do business with his firm AND I did n't want to " hit him '' with additional interest on the money that United One was responsible for. I admired the fact that he took full responsibility for the theft and was wanting to " make good '' on the debt and maintain a relationship to expand his business opportunities. Well, after weeks of phone calls trying to get the status of my money, XXXX XXXX decided to withdraw on his financial obligations!! He became very angry and very disrespectful of me. He obviously was being defensive in his position, but all he did was waste many months of my time chasing what was owed to me. He ended the conversation by saying ... '' I do n't give a XXXX, and you should do what you need to do ''!! When I said I would file a complaint, he hung up abruptly.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
Transunion is reporting an incorrect coding of XXXX partial account number XXXX. This account is being coded as an XXXX when actually this needs to be coded as an XXXX. ( Please see page 9 of  the attached credit report. ) This account reflects a {$0.00} balance and {$0.00} past due. This incorrect coding is harming my credit score and is a violation of the Fair Credit Reporting Act. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-01
Company: Commonwealth Financial Systems, Inc.
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX I sent out a certified letter to a collection company to validate a debt that they claim is mine. I specifically ask for a copy of my contract with my signature on it that Prove this is  my debt. On XX/XX/XXXX I received a letter from the company telling me that they can not verify that the debt is mines but did not mention to delete it from my credit report. They are in violation of the Fair Credit Reporting Act. They did not respond with validation and proof that this is my debt. I feel like Ive been denied my rights of debt validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-17
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: PA
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem caused by your funds being low
Sub-issue: Late or other fees

Complaint:
When I got the savings account, I was never given or seen a deposit account agreement.. 
I come to find out there is a fee for not adding and keeping the account activated this fee is {$10.00} a month. I had over {$300.00} in the account. I never got any notice of this fee, nor did I get any notice of the account being inactivated. 
XX/XX/XXXX is the 1st time I got a deposit account agreement, since opening the account in XX/XX/XXXX.. 

Here I thought a savings account was for setting money aside and building it up, not for the bank to steal it! 

This was done by First National Bank, PA the XXXX XXXX, branch

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-03-17
Company: Experian Information Solutions 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:
I have absolutely no idea what these accounts are, I have never opened a account with these creditors and want this removed. I have notified my local Police department XXXX XXXX XXXX XXXX sheriffs XXXX of these fraudulent accounts and have made a police report. 

Under the FCRA 2009 ( a ) the Credit reporting agencies must cease and desist from reporting these accounts that have been brought to their attention are fraudulent, and were open without the consumers consent. 

I am in talks with my local attorney generals office to assist with this theft.

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 2019-10-03
Company: Santander Consumer USA Holdings Inc.
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
On Tuesday, XX/XX/2018, an unknown person fraudulently used my name to sign a lease for a 2018 XXXX XXXX XXXX ( VIN : ending in XXXX ) at the XXXX XXXX XXXX XXXX XXXX XXXX Dealership located at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. The attached lease agreement ( see Exhibit A ) was entered into without my consent or authorization. 

No lease agreement was faxed to me or overnighted to me to sign and I could not have signed the lease in person, since I was in my home located in XXXX XXXX, California. 

XX/XX/2018 timeline of my activities supported by XXXX XXXX, Bank Receipts and Photos At XXXX XXXX I left my home in XXXX XXXX and drove XXXX minutes to my gym at XXXX XXXX ( See Exhibit B ) At XXXX XXXX. I left my gym and returned home at XXXX XXXX were I remained until XXXX XXXX. ( See Exhibit B ) At XXXX XXXX. I departed from my home and drove to XXXX Paints located at XXXX XXXX XXXX, XXXX XXXX, CA XXXX, where I arrived at XXXX XXXX. ( see Exhibit B ). I proceeded to purchase a can of paint ( see Exhibit C ). 

I departed at XXXX XXXX. and arrived back home at XXXX XXXX., where I stayed until XXXX XXXX. ( See Exhibit D ) I then returned to XXXX XXXX XXXX at XXXX XXXX. and departed again from XXXX XXXX back home at XXXX XXXX. I arrived home again at XXXX XXXX. and stayed until XXXX XXXX., ( See Exhibit D ). 

My wife and I then went shopping at the XXXX XXXX XXXX XXXX XXXX from XXXX XXXX. to XXXX XXXX. ( See Exhibit E ).

My wife and I returned home at XXXX XXXX ( See Exhibit E ). 

My wife and I were painting our house ( See Exhibit F ) Please see letter also attached from my attorney to XXXX XXXX XXXX XXXX XXXX XXXX as well as any other enclosures.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-22
Company: JPMORGAN CHASE & CO.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
On XX/XX/XXXX I received an advertisement via email that new Chase customers could get {$300.00} for opening a new Chase Total Checking account with the set up direct deposit, and an additional {$200.00} for new Chase savings customers who open a Chase Savings account, and deposit a total of {$15000.00} or more in new money within 20 business days, and maintain a {$15000.00} balance for 90 days. I careful read all of the disclosures and was sure to follow all steps correctly to be eligible for both offers to receive the combined {$500.00} offer. I opened my accounts online on Chase 's website on XX/XX/XXXX. To date ( XX/XX/XXXX ) I still have not received either offer, despite numerous attempts to work with Chase employees to resolve this. ( On XX/XX/XXXX I deposited {$20000.00} into the savings account, well within the 20 business days of account opening. ) When I contacted Chase at the  end of XXXX to discuss my concern. I called the customer service line and spoke with a supervisor. He informed me there was nothing he could do without the coupon code. I explained I do not have the coupon code ( at the time ) and the call ended. I later found the coupon code and called back. During this call a lady informed me that regardless of having the coupon code there was nothing that could be done to investigate/resolve this. She then told me the reason I did not receive the bonus offers for opening either account is because I did not enter the coupon code at the time I opened the account online. That was the only reason I did not receive the bonus amounts. 

During the online account opening process Chase 's website stated " If you open the account online, your coupon code will be automatically applied ''. Furthermore, the email I received ( will be attached for reference ) specifically states, " Your coupon code will be automatically applied. Account ( s ) subject to approval. '' As a result, two sources confirmed that the coupon code would be automatically applied, therefore I don't recall entering the coupon, because it was being added automatically for me. 

I am very frustrated with my Chase experience and the lack of payment of these bonus offers I rightfully earned. After phone customer service supervisors told me there was nothing they could do I contacted local branch management. They advised me to contact the phone customer service and said they could not help me. I am very upset about this entire experience. I want to be compensated {$500.00} to cover the {$200.00} and {$300.00} offers I should have earned. I followed all of the terms and disclosures correctly. Please investigate this matter and contact me back. Thank you

Company response to consumer: Closed with monetary relief