BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-29
Company: Rocket Mortgage, LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Hello, During the origination process of my loan for my house that I bought, loan officer, XXXX XXXX from Quicken Loans, informed me incorrectly of the percentage of home value to loan value that I would need to have my pmi removed. The house I bought needed a good amount of work so I was deciding what percentage of down payment I would make. I had enough money at the time to make almost a full twenty percent down payment but wanted to do less so I could renovate the house. I knew that the house would rise in value significantly due to the renovations so I discussed with XXXX how I could remove PMI early. He told me that with a 5 percent down payment and figuring in about 6 payments that I would owe around 380,000 on the house. Base on a 80 percent home value to loan value ratio, I would have to reappraise the house at {$470000.00} to be able to request PMI removal. Well I decided that was feasible so I put down 5 percent, did my renovations and then called back quicken to request an appraisal to have my PMI removed only to be told that the the equation is based on a 75 percent ratio. I filed a complaint with them and they opened an investigation in which they said they found no proof of the conversation I had with XXXX so they could not help me. They suggested calling my loan holder Fannie Mae to see if they could do something for me. Fannie Mae did nothing because Quicken will not admit to their mistake. Now I am stuck paying an extra {$330.00} in PMI monthly due to Quicken loans mistake. I have been in touch with some of Quicken Loans vp of customer service, and magically today she admitted to me that she found a conversation where I was misinformed by XXXX XXXX. Now even though Quicken has found that they did indeed make a mistake they are still refusing to honor what they said, effectively screwing me out of a lot of money. 

Facts : I have an appraisal in hand for {$480000.00} for my house. 

I have bank statements from when the loan was originated to prove I could have put down at least 10 percent which would have allowed me to have the PMI removed at this point even with a 75 percent ration. 

I will effectively pay over {$6000.00} in PMI that I shouldn't have to pay due to Quicken loans not informing me correctly. 

I will in the near future not be able to pay the extra {$330.00} in PMI. 

Please help me with these people as I feel as though I have been bamboozled by them. People in their position should be able to properly inform clients with the correct information when making a 30 year {$400000.00} dollar decision. 

They should pay for their mistakes, I shouldn't have to.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My name is XXXX XXXX and upon checking my credit report it shows XXXX XXXX on my transunion report 20 times as credit inquiries.. the problem is this I have a few accounts with XXXX XXXX   however these inquires that I see I did not authorize and I would like for transunion to remove these items from my credit file. 
XXXX/XXXX XXXX Inquiry from XX/XX/XXXX Inquiry from XX/XX/XXXX Inquiry from XX/XX/XXXX Inquiry from XX/XX/XXXX XXXX/XXXX XXXX Inquiry from XX/XX/XXXX Inquiry from XX/XX/XXXX Inquiry from XX/XX/XXXX XXXX/XXXX  Inquiry from XX/XX/XXXX Inquiry from XX/XX/XXXX Inquiry from XX/XX/XXXX Inquiry from XX/XX/XXXX XXXX/XXXX Inquiry from XX/XX/XXXX XXXX/XXXX  Inquiry from XX/XX/XXXX XXXX/XXXX XXXX   Inquiry from XX/XX/XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX Inquiry from XX/XX/XXXX Inquiry from XX/XX/XXXX Inquiry from XX/XX/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 2018-06-26
Company: Hello Digit, LLC
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
Last year, This whole year from XXXX XX/XX/XXXX XXXX XX/XX/XXXX {$2.00} XXXX XXXX. I have been fighting with them so long. Their platform all of sudden wasnt working with my my bank verified. I had money in it. Im not sure when I continue to closed. I still was getting these fees. They go back to XXXX. Im tired

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-07
Company: CIT BANK, NATIONAL ASSOCIATION
State: OR
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage

Complaint:
I filed for bankruptcy in XX/XX/XXXX and had a 1st and a 2nd on the home. After filing bankruptcy I continued to make payments on the 1st and discontinued making payments on the 2nd. I know would like to sell the home and myself and the escrow company are not able to get information to clear the 2nd mortgage. 
-The original mortgage was taken out in XX/XX/XXXX with XXXX  and that is what shows on the title per the attached title check. 
-XXXX still shows XXXX  -I filed a previous complaint ( XXXX ) and CFPB received responses from XXXX XXXX and Office of the Consumer Ombudsma saying they do not hold the note -The mortgage was filed in XX/XX/XXXX and we listed XXXX as the lender with account ( XXXX   sold to XXXX ) XXXX  number XXXX in bankruptcy. It appears assets from XXXX went to XXXX XXXX. Myself and the escrow officer have reached out to XXXX XXXX  on multiple occasions with no response. 

I have been very diligent to resolve this and am getting nowhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-24
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/21 I considered applying for a new credit card, I pulled my credit report to evaluate my eligibility and found out my rights as a consumer have been violated under federal protection. 

There has been a consumer credit transaction reported from my credit card, a literal authorization or approval of a specific extension of credit which is supposed to be excluded. To quote 15 USC 1681a ( 2 ) " any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device should be excluded from a consumer report. 

It is clear in the TRUTH IN LENDING ACT 15 USC 1602 ( I ) the definition of " the term " credit card '' as any card, plated coupon book or other credit device existing for the purpose of obtaining, money, property, labor, or services on credit. '' My social security card counts as a credit card under these guidelines.

In pursuant to 15 USC 1681b ( 2 ) these accounts are in violation. I did not provide written content to furnish these accounts and therefore these accounts do not have permissible purpose. By furnishing these accounts they have violated my right to privacy pursuant to 15 USC 1681 ( a ) ( 4 ) and due to this, this has caused me emotional stress, financial problems, and damage to my personal life.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-23
Company: Credit Karma, LLC
State: CA
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:
I got a phone call from XXXX from this number ( XXXX ) -XXXX-XXXX on XX/XX/2019 he  would not tell me his business and kept on asking me to verify my social an birthday and he had already knew my information without me even sayin so he asled if it was correct and i said his information was incorrect not to call me ill report him.Than i wake up to my credit karma being XXXX in collections. Im applying for home today i had XXXX credit yesterday and now i have bad credit i want them investigated for fraud. i havent been able to even start my own credit and now i cant even get accepted into a home for my children because of this scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-07
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I applied for Chapter XXXX in XX/XX/XXXX, completed my payments, and was reaffirmed and then discharged in XX/XX/XXXX with all arrears paid through the bankruptcy. ( attachment 1 ). I continued to make my mortgage payments through ACH debit to Bayview without issues until XX/XX/XXXX ; when they began rejecting my payments without explantion ( attachment 2 ).  My bankruptcy attorney attempted to assist me with resolving this however, Bayview refused to respond to his inquiries, recorded a Notice of Default,  and demanded the total amount due ( attachment 3 ). They have now recorded a Notice of Trustee Sale ( attachment D ) on my property and I am forced to consult a litigation attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-07
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
On Saturday XX/XX/XXXX. I made a sellings and received the funds on my paypal account, when I was trying to withdraw the money, paypal limited my account since that day and they request some information, like my ID card, proof of the sellings and things like that. 

Today, XX/XX/18 they just decided to hold my funds for 180 days, whitout appelation and whitout reason

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-07
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
Please remove any and all fruad alerts from my name and 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 non-monetary relief
Consumer complaint received 2018-08-29
Company: EQUIFAX, 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:
The information on my Equifax credit report is mixed with someone else. There is fraudulent information included in my account, accounts that I have never opened, companies that I have never done business with, and apartments in other states that I have never lived in. I'm unable to log in to Equifax since the challenge information does not match any of my previous events.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-29
Company: EQUIFAX, INC.
State: PA
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:
While checking my most recent credit report, I noticed unauthorized and fraudulent credit inquiries made by the following companies : Inquiries : 1. XXXX   XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 2. XXXX XXXX XXXX XX/XX/XXXX 3. XXXX XXXX XXXX XX/XX/XXXX 4. XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX. XXXX ( reported twice on same date ) XX/XX/XXXX, XX/XX/XXXX 6.  XXXX XXXX XXXX XX/XX/XXXX 7. XXXX XXXX XX/XX/XXXX 8. XXXX XXXX XXXX   XX/XX/XXXX 9. XXXX XXXX XX/XX/XXXX 10.  XXXX XXXX XXXX CO XX/XX/XXXX 11.  XXXX XXXX XX/XX/XXXX 12. XXXX XXXX XX/XX/XXXX 13. XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 14. XXXX XXXX XXXX XX/XX/XXXX 15. XXXX XXXX XXXX XX/XX/XXXX 16.  XXXX XXXX XX/XX/XXXX 17.  XXXX XXXX XX/XX/XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ). This is a serious breach of my privacy rights. 

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611. 

My contact information is as follows : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX, PA XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-29
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I'm literally up in knees exhausted with TD Bank. I had an overdraft and I quickly put the money in there so I won't get charged a fee. Two days later I get charged an overdraft fee. Apparently, there is no grace period which wasn't what I was told when I opened an account. Actually this never happened before as well so this is the first time I have been charged still even after the fact that I put funds to bring it to a positive balance. Also the fact I got charged XXXX it made my account negative which will result in another XXXX charge. I'm seriously consider closing my account and taking my services somewhere else. This is unfair.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-11-06
Company: EQUIFAX, 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:
I got my free Equifax credit report through the Annual Credit Report service but when I clicked on the link to dispute some items, it went nowhere. Whether intentional or accidental, Equifax made it impossible to link my credit report to my dispute. 

I tried going to the dispute site manually but was asked verification questions that did not match my identity which put me into a generic web dispute submission area where it was impossible to match my disputes to the items on my report. 

This is because Equifax 's report does not list any account numbers or partial account numbers nor does it list the full addresses associated with these accounts. I knew that the accounts were incorrect based on their balances and having them show up on the XXXX report. On the XXXX report I could flag incorrect addresses but not on the Equifax report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-06
Company: Experian Information Solutions Inc.
State: VA
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:
I am attaching the letter that I sent to XXXX Experian, and XXXX XXXX on XXXX XXXX. More than 30 days have passed, and they have not responded yet.

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 2018-06-19
Company: Bread Financial Holdings, Inc.
State: NC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On XX/XX/XXXX, your credit limit was reduced to a total of {$200.00} based on information provided to our Bank by the credit reporting agencies. A letter was mailed to you on XX/XX/XXXXto notify you of this change. If you have any questions regarding the information in your credit bureau report, please contact the credit bureau directly with the information provided on the letter. 

I never applied for an increase so the nothing should have been reported from any credit bureau. I never agreed to having a credit limit of {$200.00} and would like my card increased back to {$300.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-18
Company: ARVEST BANK GROUP, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My name is XXXX XXXX I hold a Mortgage with Central Mortgage for my home in CA. where I reside. 
The XXXX XXXX Loan I held allowed for a {$5000.00}. deduction in the mortgage if the payment never went over 90 days. 

In XX/XX/XXXXCentral Mortgage made an error in improperly crediting my account. 
The Supervisor at the time checked the recording of the transaction and determined I was correct, and that the error was indeed on the part of Central Mortgage and the payment had been made in time. Throughout the loan period I have inquired to make sure that the error on Central Mortgages part was indeed noted and that there was nothing standing in the way for the {$5000.00}. mortgage deduction to take place. NOW in XX/XX/XXXX when I have noted the {$5000.00}. was not noted, I am being told it was because of this Central Mortgage error and that I di not qualify. I have written and made numerous calls to Central Mortgage Loss & Mitigation and their general Consumer Dept. with no resolution. PLEASE HELP! Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-07
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/2018, I made out a check to my sons college for campus parking in the amount of {$120.00} which my son submitted to his college. On XX/XX/2018 my received an email from the schools XXXX XXXX XXXX to which the payment was made out to. They advised regarding a recent break in and a review of their records indicated that we were one of those affected due to having conducted a financial transaction ( check # XXXX ) which I had made out to XXXX. They advised my son to request a stop payment on the check I had issued to the school which was one of the checks that had been stolen. We did as advised on XX/XX/2018. On XX/XX/XXXX I noticed a debit to my account in the amount of {$3200.00} for that same check # XXXX which I had requested a stop payment on. The check was altered by the perpetrators and submitted to XXXX XXXX for payment to XXXX XXXX. Even the date on the check and memo field were changed. 

I contacted the bank immediately and submitted the required notarized affidavit of forgery, counterfeit or unauthorized remotely created check form required to file my claim. 

I have been in contact with the Citibank dispute team ( XXXX ) for the past 2 months and have been advised that they are working on my complaint. Here is one complaint number I was given which I hope is a real complaint filed upon my request # XXXX. 

What concerns me is that I placed a stop payment on the check in question and it still was cashed. Was this check not flagged for possible future forgery? 

I have a mortgage and other bills to pay not to mention that I now have to close out my checking account and open a new account. It concerns me that the available funds that I have left in my account and the next incoming direct deposit could be compromised as well.

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 2021-06-24
Company: BMW Financial Services NA, LLC
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:
This account don't belong to me. Please remove this from XXXX. Please see below the account that is reporting derogatory in XXXX. 

1. Identity Theft BMW FIN SVC Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: WI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have never had the account that the debt collector is trying to say I owe. this has gone on for years dating back to 2016. I have contacted PORTFOLIO RECOVERY ASSOCIATES many times over the years to dispute this debt and they keep telling me that it is my debt.They tell me it is an account from XXXX XXXX Original Creditor. I have not had any accounts with this bank ever.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-07
Company: Navient Solutions, LLC.
State: MI
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
On XX/XX/2018, I was notified of an auto payment to Navient being processed. This is an option that I selected to be enrolled for over a year. With this feature, I've had consistent payments for the life of the loan. The issue I am experiencing is an overcharge. They state that I manually set it to make a payment in addition to my monthly payment. The set auto pay amount is monthly repayments of {$50.00}. The overcharge was {$130.00}. I've called Navient and they have recommended I stop the transaction with my bank to remedy the situation since a refund may take 2.5- 3 weeks to process. I called my bank and they mentioned that I will have to pay a {$30.00} processing fee in order to stop a transaction. With this in mind, I am filing this complaint that Navient is making unauthorized transactions without my consent. They are overcharging me {$130.00} + Auto pay {$50.00} with a total of {$180.00} this month. I do not have any issues with the auto payment of {$50.00}. But it is not acceptable for them to state that I manually scheduled a payment of {$130.00} in addition with my auto-payment.

Company response to consumer: Closed with explanation