BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-10
Company: Rocket Mortgage, LLC
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
The intent was to have an associate of Quicken Loan/Rocket Mortgage contact me about my online inquiry. This is the reason when asked for my SSN and Birthday of my wife and I, I entered incorrect numbers for both. For example when asked my SSN I entered XXXX and my wife 's as XXXX along with incorrect birthdays. ( XX/XX/2020 ). Later I received an alert that a hard inquiry was ran on both our credit. On XX/XX/2020 I called Quicken Loan/Rocket Mortgage and spoke with their Presidents Club Resolution Advocate. I was told because I hit the next button online I authorized them to check my credit. They only need a persons name, address and birthday to run a credit check. I informed the person that I did NOT give them our birthdays and that I did NOT authorize them to run a credit inquiry. I informed them I thought this was a fraudulent act. The person told me to file a police report and then emailed me her contact information to forward a copy of the police report. -- -- -- -- -- -Nothing Follows -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-12
Company: EOS Holdings, Inc.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
Received a text message without a notification that the message was an attempt to collect a debt from XXXX, which is illegal. Supposedly this is eos cca.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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/XXXX I sent in a dispute to TransUnion about the following accounts listed below with a follow up on XX/XX/XXXX for no response, on XX/XX/XXXX they responded with just a summary of their method of verification but no information on the investigating items. 

XXXX  XXXX  XXXX  {$430.00} This account is questionable. The date of the last payment on XXXX  shows XX/XX/XXXX with the date of last activity of XX/XX/XXXX but TransUnion there is no date of last payment with a date of last activity showing XX/XX/XXXX. This date should reflect the FCRA compliance date which should not be changed. 

XXXX This account is inaccurate showing a High balance of {$460.00} on TransUnion but on XXXX  shows {$420.00}. The date of the last payment on XXXX  shows XX/XX/XXXX with the date of last activity of XX/XX/XXXX but TransUnion the date of last payment is XX/XX/XXXX with a date of last activity showing XX/XX/XXXX. This date should reflect the FCRA compliance date which should not be changed. 

XXXX {$11000.00} This account is inaccurate showing a High balance of {$12000.00} on TransUnion but on XXXX  shows {$11000.00}. The date of the last payment on XXXX  shows XX/XX/XXXX with the date of last activity of XX/XX/XXXX but TransUnion the date of last payment is XX/XX/XXXX with a date of last activity showing XX/XX/XXXX. How can the last payment be after the date of last activity. This date should reflect the FCRA compliance date which should not be changed. 

XXXX  {$1600.00} This account is inaccurate showing a High balance of {$1500.00} on TransUnion but on XXXX  shows {$1600.00}. The date of the last payment on XXXX  shows XX/XX/XXXX with the date of last activity of XX/XX/XXXX but TransUnion the date of last payment is XX/XX/XXXX with a date of last activity showing XX/XX/XXXX. How can this information be different if they come from the same creditor? This date should reflect the FCRA compliance date which should not be changed.

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 2018-07-11
Company: PNC Bank N.A.
State: OH
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
Received a call from a XXXX XXXX says I owe XXXX $ escrow says foreclosure will occur if not paid called pnc bank who said no nothing about this owe nothing fraudulent caller

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-11
Company: EQUIFAX, 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:
I have been trying to get a collection account removed from my report. I have filed 2 different disputes with Equifax for the same account and they do an " investigation '' which takes maybe a week or 2, and both times they come back saying that the account/balance is valid. I have sent them copies of the cashed check from my bank that the collector cashed and stamped with their name and address, and Equifax REFUSES to update my credit report to reflect that information ACCURATELY. They are still showing that I owe them money when I don't and they have seen the checks that prove it!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-03
Company: Navient Solutions, LLC.
State: FL
Product: Debt collection
Sub-product: Private student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have written this company a second letter asking them to verify the original agreement and prove that I owe the debt, They have not done so.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02
Company: Experian Information Solutions 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:
Fraudulent account identity theft XXXX XXXX XXXX XXXX Open XX/XX/XXXX Amount XXXX Original creditor XXXX XXXX XXXX  and XXXX XXXX  XXXX  Unknow person opeond Original account in XXXX account was deleted from all 3 credit reports and founded as fraud Somehow after 2 years the account found its way to collection company after previously being deleted from Original creditor on all 3 reports I provided as much evidence as I could in the pictures I sent as you can see in the photos the original account was deleted and as you can see in the photos the original account number and the current account number are the same as the account that was deleted 2 years ago Could you please stop allowing the original creditor to send this account to collection agencies when the original account has been deleted and I was not found responsible for the fraudulent 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 non-monetary relief
Consumer complaint received 2019-03-12
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
On or about XXXXXXXX XXXX an erroneous collection appeared on my Equifax credit report. After an investigation, this account was deleted. It was written that this account be deleted permanently. XXXX of XXXX, I was mailed a letter from Equifax stating that the account has been deleted. On or about XXXX of XXXX, I received notification from my credit monitoring service that This collection account, XXXX XXXX, was added to my Equifax report again. FCRA 611 ( a ) ( 5 ) ( b ) states only after the initial investigation, on the 31st day can a debt be reinserted to a credit file. Even in these cases, the Reporting agency ; in this case Equifax, must notify the consumer in writing at the minimum five days prior to the reinsertion. This did NOT happen. Equifax continues to violate FCRA laws, as if they aren't governed by these laws. Equifax, also placed a fraud alert on my account without my request, as a response to my inquiry on why they have violated the fair credit reporting act, and allowed this debt to be re-aged and reinserted.ILLEGALLY. According to FCRA section 609 ( a ) ( 1 ) Please  provide my entire consumer history on this account, as I prepare to file a suit, as you are in direct violation, and it is proven. In the interim, please RE-delete this collection, XXXX XXXX, as you have not done your due diligence, to ensure that I am properly protected under the FCRA, and to the standards that are in place for your agency as one of the major reporting bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-09
Company: AES/PHEAA
State: TX
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:
I am being harrassed my my lender XXXX XXXX about making a payment. I informed them and sent my class schedule from the XXXX XXXX college website with my student number proving my enrollment. I have been enrolled and attending my local XXXX college since 2015. My school says that they send an update to XXXX and they refuse to do their jobs and update the information or reach out to XXXX when they need more information. I don't understand why I have to continutously do their jobs. They are now threatening to report my lack of payment to the credit bureaus. It is my understanding that I do not have to make payments while enrolled in at least 6 credit hours.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-12
Company: Aldous & Associates, PLLC
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX has month-to-month only membership plans ; there are no long term plans where a member is contracted to pay any month beyond the current. I chose not to renew my membership and was never once contacted by XXXX informing me of any amount owed. There was never a bill, past due notice, or any communication whatsoever stating that my account was still open and money was owed. 

I just received a collections notice that stated I owed {$270.00} for this non-existent membership. I contacted XXXX and they were of no help whatsoever, unable to put me in contact with anyone who has knowledge of this sort of issue. 

Lastly, the collections notice contained no information about the account for which this supposed debt originates. This is most likely due to the fact that there is not XXXX account for which money is owed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-07
Company: WELLS FARGO & COMPANY
State: RI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
This is my 3rd complaint against Wells Fargo. I am trying to refinance my loan in a condo building in XXXX XXXX, Florida. I currently have my mortgage with WF and have for the last 10 or so years. All I need is a rate reduction and have been trying to do so for the last 8 months only to get the run around. They are saying the collateral is insufficient per investor guidelines, interpretating this they are saying the density exceeds allowed local/state requirements. I received a letter from the city of XXXX XXXX, I am attaching the letter, it states " Should the damage or voluntary removal of a portion of the structure not meet the aforementioned thresholds the structure may be rebuilt subject to the originally approved site plan ''. Wells Fargo is misinterpreting the letter and denying the refi. This is not a new purchase but a refi through the HARP program. They are also using the investor '' XXXX XXXX '' as the bad guy and XXXX XXXX has only said it is the servicer to make that decision. The condo association has ample insurance for the exterior and common areas, as well as I have ample insurance for the interior if and fact such a disaster should happen. Wells Fargo 's position is so Ludacris that if such a disaster occurred and if the city used new guidelines not the originally approved plans only a select number would be able to rebuild and the rest would be out of luck, I DO NOT THINK SO. It makes ZERO sense and the city did extensive research and concluded it can be built to the original approved plan. My other complaint with WF and they are COMPLETELY evasive with answering this, they refinanced another unit in the building in XXXX. Florida has every record that is recorded online and is public knowledge. All you have to do is go to XXXX County Property Appraiser '' Copies of recorded deeds and mortgages related to XXXX properties are available online at the XXXX County Records Division website. You may search for deeds, mortgages, liens, release of liens, court judgments, condo declarations, and various other recorded documents on their website ''. This is public information, Wells Fargo when I asked the specialist last time said " it has nothing to do with me ''. It has everything to do with me. We have the same address, same HOA just live in different units. Again, I am being discriminated against, a refinance with resolve this issue. Why is this so difficult?? My current rate is 6.75 % and it seems obvious that WF is cashing in on the interest and has made no effort to help me. The HARP program is suppose to help people, not hurt them

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 2021-04-25
Company: Winklevoss Exchange LLC
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Hello, I've opened a Gemini account and tried to verify it on XXXX, the XXXX, but up to today, it is still not verified. I've tried several times contacting Gemini but in vain. 
Can you please help me with the issue encountered? 

Account 's information : Name : XXXX XXXX Email : XXXX Birth date : XX/XX/XXXX Phone number : XXXX XXXX XXXX XXXX XXXX XXXX Thank you so much! 
Best regrads,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14
Company: AMERICAN HONDA FINANCE CORP
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 am a victim of identity theft. The account was opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-02
Company: Machol & Johannes, LLC
State: NM
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
My bank account was emptied and a bank fee was charged this account, due to a Writ of Garnishment dated XX/XX/XXXX, this is all coming from an alleged judgement that is over 10 years old in which I was never given service or notice and a default judgment was entered  on XX/XX/XXXX in New Mexico District Court, but I was never informed or given notice of a Complaint or Judgment. 
After Ten Years and Eight Months with no contact or collection activity on XX/XX/XXXX attorney XXXX XXXX XXXX, filed to reopen the court case against me after Over Ten years after the Judgment was given and this same attorney filed an application for Writ of Garnishment, the judge issued the writ and my savings account was emptied. 
I have never received any notices from this court or attorney and this alleged judgment was filed without my knowledge. The Bank has now given me a collection agency Name and Number that I am to contact if I have any questions, this company is Machol & Johannes , LLC. ( XXXX ) XXXX. 
I believe the judgment is expired and invalid, the alleged debt is being illegally collected and the collection agency is trying to collect on a debt illegally without notice that has long since expired or is noncollectable.

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 2020-05-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I applied for a Capital One Quicksilver Card and was denied.I received the denial letter stating they couldn't retrieve my reports when I have three hard inquires from Capital One, one at each credit bureau XXXX XXXX XXXX XXXX. I tried contacting the application department but its been closed due to the pandemic. Im writing because honestly I have read all the requirements and meet every one from Capital Ones definition of excellent credit Ive never declared bankruptcy or defaulted on a loan ; I havent been more than 60 days late on any credit card, medical bill, or loan in the last year ; Ive had a loan or credit card for 3 years or more with a credit limit above {$5000.00}. To the disclosure that states I am not eligible for this offer if : My application is received after this offer expires, is incomplete, unreadable, and inaccurate or can not be verified. 
My address is not in one of the following locations : the 50 United States, Washington, D.C., or a U.S. military location.

My address is a correctional institution.

My monthly income ( my disclosed total annual income divided by 12 ) doesn't exceed my monthly rent/mortgage payment by at least {$420.00}. Or, Capital One otherwise determines that I am unable to make my monthly payments.

I am under 18 or do not have a valid Social Security Number or Individual Taxpayer Identification Number.

I have applied for a Capital One credit card 2 or more times in the last 30 days. 
I have 5 or more open credit card accounts with Capital One.

I have a past due Capital One credit card account.

I am over my credit line on a Capital One credit card.

I have had a Capital One credit card that charged off within the past year.

I have a non-discharged bankruptcy ( one that is still unresolved ).

I have met every requirement and spoke with a representative from the corporate office and stated that the error was system generated. My application was going to be resubmitted for a manual review and til this day haven't heard a word. I'm very experienced in credit history and an expert in reading credit reports. I only see this as a system error and hope it's nothing further then that.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29
Company: Specialized Loan Servicing Holdings LLC
State: GA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
I bought a home in XX/XX/XXXX. I filed bankruptcy & it was discharged XXXX of XXXX. I reaffirmed my first mortgage. I was completely unaware I had to reaffirm my 2nd mortgage as well. Fast forward to XXXX I refinanced with Obama 's " making homes affordable program '' 2nd mortgage never came up. Fast forward fall of XXXX I go to refinance my house & find I owe {$140000.00} on that second mortgage with SLS ( Specialized Loan Services ). The original company of my 2nd mortgage was XXXX then XXXX XXXX both went bankrupt in the crash so I know SLS bought my loan for pennies on the dollar. Since it was wrapped up in bankruptcy it was I was never notified, I am a XXXX XXXX XXXX it did not come up on preliminary title searches etc .... I had ZERO clue for 10yrs that loan was in place & accruing penalties/interest ( penalties/interest to the tune of {$75000.00} give or take ). 

I was DISTRAUGHT! I called SLS, submitted paperwork to settle the penalty amount, submitted paperwork to set up a payment plan to pay the full amount etc .... No one at SLS would work with me. Their stance was I owed the full {$140000.00} & I could make " voluntary payments '' but they reserved the right to foreclose. I immediately stared making my normal {$630.00} mortgage payment XX/XX/XXXX & my only option was to sell. I was FORCED to sell my home of 12yrs &  pay SLS the full amount, I listed my home immediately to avoid potential foreclosure by SLS. I had no other option to protect me, my family & my elderly parents who lived with me. We closed on our beloved home in XX/XX/XXXX only b/c SLS would not work with us & the risk was to great. 

I also remember a call from someone ( SLS/ maybe XXXX ) to pay this loan off for {$4000.00} in XXXX but I thought it was a scam b/c of the bankruptcy/crash of the market. So SLS bought this debt for nothing! 

How can SLS force me to sell, make me pay $ XXXX in interest & penalties that accrued over 10yrs without me even knowing any of this was going on. No contact, no letters, no calls etc ... ..

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