BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-19
Company: Rocket Mortgage, LLC
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
We applied for the refinance XX/XX/XXXX, I have given {$500.00} for the loan to be reimbursed at closing. We are approved for the loan contingent upon appraisal. I have had 3 appraisal companies contact me to set up a time, no one has shown up. I have contacted Quicken Mortgage at each appointment to let them know the appraiser never showed up. Quicken continues to ask for the same documents and continue to provide. We are at the end of our 2nd rate lock, no one has done anything except ask for more verification of income. They have done nothing but waste my time and potentially prevented me from receiving my refinance at the locked rate of 2.99 % I have asked multiple times for updates. XXXX I have asked for either an appraisal or a refund. I need to apply with another company that may be able to get this done before 90 days if they can't send an appraiser out to finish my loan.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-17
Company: Bay Area Receivables, Inc
State: MD
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX of 2017, I attended a Nightclub/Lounge in Washington DC with friends and left my wallet in the car taking only my main Cash and Cell Phone. When we returned to the car the window was smashed out and several items including my wallet had been stolen. The following days resulted in {$1000.00} 's of dollars spent at random XXXX XXXX in XXXX, MD and several online orders. Thes purchases were made on Credit Cards that I quickly canceled and replaced. A few weeks later I get a Bill for a Medical Procedure. I can affirm that this is a result of Fraud/Identity Theft. 

There isn't a day that goes by that someone does not mistake me for someone else. I would assume that my generic face was used in an Identity Theft scam so that someone could tend to some Health Related XXXX. 

I have successfully disputed this on each of my credit reports year after year and it keeps popping up, citing that the debt was sold to another collections company. 

Please assist me in acquiring a notice to block this from reappearing after being deemed Fraud. 

Thank you, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-06
Company: LD Holdings Group, LLC
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I started a refinance process with Loan Depot back in XX/XX/2020. The process was going well but then we got an appraisal which was from a company they selected and the appraisal come back really bad. They had the wrong square footage from my property, missing about 500 sq/ft. Did not disclose all the work we have done in our house or anything. 

Covid came to play and the process got totally derailed where they couldn't move forward because of the appraisal. They said they would be able to get another one since the first one was not reliable. Months have passed and they can't move forward OR want to refund the appraisal money so I can shop somewhere else. 

We got a recent appraisal from another company and that one is realistic so we are currently working with another company.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-15
Company: Experian Information Solutions Inc.
State: VA
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 contacted the merchant multiple times in attempt to have this fraudulent account removed. I have disputed the account with all credit reporting agencies as well as provided an identity theft 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 2017-12-20
Company: I.C. System, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Good Morning CFPB Research Team, I keep getting several phone calls per day from IC System Inc. regarding a debt I asked them to Verified the debt with proof of my sigutaure are something in writing I asked them several time to Validate the debt no respond but yet they keep calling me at work on my cell leaving very abuse message treating me with Arrest warrant I advise them that the law is clear they need to validate this debt with proof of signature I 'm still waiting but yet they still calling me Thanks XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
I've held my XXXX XXXX card account uninterruptedly since 1982, as is evidenced on the front of my current XXXX card. I've had a continuously solid payment history with XXXX for over 38 years. My XXXX card recently changed from a XXXX  card to a XXXX XXXX XXXX card, but my length of continuous credit with XXXX XXXX remains at 38+ years. The problem is, my current credit report lists my " Length of Credit History '' as only 14 years ( that is the length of time I've held my 2nd-oldest card, a Visa through XXXX XXXX XXXX XXXX ). This erroneously-shortened length of credit history is having a negative impact on my credit score, lowering it by several dozen points. Please correct my length of credit history to reflect all my years of solid credit with XXXX XXXX. Thank you!

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 2018-04-05
Company: SLM CORPORATION
State: VA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
In early XX/XX/2014, my mother applied for a student loan from Sallie Mae to finance college. She was in a hurry to get a loan, as she waited too long to apply, and looked to Sallie Mae to get a loan. It offered her very high interest rates, which she was inclined to accept so that I could go to college. Over the last 4 years, Sallie Mae has consistently raised the interest rate on the loans despite both my mom and I having a credit score of over 700 and never missing any payments. The interest rates on the two loans are now at 11.25 % and 10.125 % APR!!! Sallie Mae has been raising the interest rates in 0.125 to 0.25 % increments every 6 months or so. I also have reason to believe that payments are not being disbursed correctly between interest repayments and principal repayments. I believe it may be applying parts of payments that should be deducted from the principal and recording it as interest repayments. 

I am not sure if what they doing is even legal for a loan servicing company in the United States. Interest rates are increasing for no apparent reason on loans that are already at levels way above the average interest rates for student loans. Consistent payments each month are only deducted from accrued interest regardless of the amount we pay. We are planning to refinance the loans with another company once I graduate this year.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-07
Company: Chime Financial Inc
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I have been banking with Chime bank for about 2 years. They sent me an offer for a credit builder account that is supposed to help build credit. It was my own money that went into the account. Times got pretty hard so I would just transfer my money back into my checking account to pay my bills. I never really used the card anymore, about 3 weeks ago I received an email they closed my account no reason! The problem is I have {$1200.00} in the account. I have no way to get my funds I have called and emailed hundreds of times with no real answers. That is my only money for rent. I am currently on hold now and have been for minutes!! The rep has not picked the line back up I am guessing she hopes I hang up.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-07
Company: SYNCHRONY FINANCIAL
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I purchased furniture last year, XX/XX/2018 overXX/XX/XXXX, through Value City Furniture. Credit was given through Synchrony Financial. First issues were with Value City where it was damaged upon delivery. Took over 3 months to finally get undamaged furniture after multiple calls, incorrect deliveries, and failed customer service. Am actually still waiting for financial reimbursement from them, but thats another story. Two months later I XXXX XXXX  to my XXXX child where there were XXXX, and due to my husbands traveling, got behind on payment. Every few months Im a bit late on payment due to having to wait for payday, etc., but I do always end up paying my bill. This brings me to today. I am aware Im currently behind ; however, due to my employment, Im not able to discuss via telephone. Have never had issues before. But today starting at XXXX til current time as of XXXX XXXX, I have received 63 calls from Synchrony from number XXXX, and they never leave a voicemail.

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 2017-12-20
Company: ERC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I made an settlement in exchange they will remove the negative item from my credit report. I paid the settlement and the comment is still there They did not follow the agreed agreement.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Hi, I've just opened a CapitalOne Credit card ( Venture ) with  annual fee $ XXXX/year. I was using the card for my daily purchase and suddenly my card was block last week. I try to call the CapitalOne service many times but no reply and I still don't know why my card is blocked. 
My credit limit is {$5000.00} and my current balance is {$1700.00} Please help to solve this issue. 

Thanks

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-06
Company: Ocwen Financial Corporation
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I had secured a mortgage for my mother in  XX/XX/XXXX  to help her prepare for retirement and at a rate that I would be able to afford when she was n't. I was only able to secure a fixed rate loan for 15 years that would balloon at the end of the 15 years. Once I returned from deployment in  XX/XX/XXXX , I started contacting Ocwen about refinancing since I knew the loan would balloon within the next 2 or 3 years. Instead of ever giving a direct answer yes or no, Ocwen kept having me to fill out the HARP forms for assistance and then they would deny it. I knew my income was too much for HARP assistance, but I couldnt understand why I didnt qualify for refinancing. After reviewing my credit report, Ocwen showed I was 30 days late once out of 4 years in  XX/XX/XXXX . I never understood why they wouldnt refinance the loan.
Once the loan ballooned in  XX/XX/XXXX , Ocwen refused to accept any more payments from me and would only settle for the full amount ; even though I requested to continue to make payments. To this day, I do n't know why Ocwen would n't refinance the amount owed at the end of fifteen years or would n't accept my payments since my credit was good. I hesitated in contacting anyone. My mother became ill and passed away in  XX/XX/XXXX . In J XX/XX/XXXX , the home was foreclosed on and sold by Ocwen. I felt helpless at the time. I tried refinancing the home after I found that Ocwen was showing me delinquent in my payments. Of course, it was too late because all financial institutions saw the delinquencies on my credit report and would n't approve me for a loan.
During the foreclosure process, Ocwen sent me another HARP assistance packet. Of course, it was denied. Then a week before the scheduled foreclosure Ocwen told me that the only way I could prevent the foreclosure was to pay {$10000.00} to stop it. My wife told me to request that in writing by fax or email. Well, I never received the request. At that time, I knew I had lost the house at this point and Ocwen wasnt going to try to help me to keep the house.
I feel Ocwen took advantage of me and betrayed me by not refinancing my loan up until the balloon date in order to repossess the house. By showing the late payments on my credit report, it enabled them to have total control over the loan leaving me without any options except the full amount of {$43000.00} which I didnt have.
Please let me know if I have any legal rights in this matter or at least remove the bad remarks on my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-07
Company: Receivables Performance Management, LLC
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
For the last several weeks, I have received phone calls on my cell phone from what caller id identified as spam calls 2-3 times daily. On XXXX XXXX, 2019, I went ahead and answered the call and found out it was RPM trying to make a collection for XXXX. I explained to the representative that I closed the account with a XXXX balance and that this was an error. The representative became very argumentative and rude. I ended the call and called XXXX. I resolved the issue with XXXX and was told that the collection was an error and it would submitted to another department to reverse the charge and remove the collection. On XXXX XXXX, 2019, I received another call from RPM. I was told that I was on a recorded line and several times I told the representative to not call my phone number again and that issue had been resolved with XXXX. The representative became very argumentative and rude. I ask to speak to a supervisor and I was told I would be transferred but the call was disconnected. On XXXX XXXX, 2019, I received another phone call and once again I explained that I had told their representative the previous day to not call my phone number again. The representative then wanted to verify my personal information and I told the representative that I was not going to verify my personal information and I gave the representative my phone number and told them to not call this number again and I ended the call.

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 2019-06-07
Company: EQUIFAX, INC.
State: FL
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:
XXXX XXXX submitted a hard inquiry on my credit on XX/XX/19 without my authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
My identity was stolen someone open a account with capital 1 credit card. I contact the capital 1 credit card services provided them information that my identity was stolen after upon them doing their investigation they provided me a letter stating that they would have the accounts to be removed off my credit report now they refused to remove them off my credit report and still trying to hold me liable.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-07
Company: Continental Finance Company, LLC
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Complaint is against a Credit Card Company named XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX MO. ( XXXX XXXX ) I mistakenly made two payments on XX/XX/19 in amounts of {$750.00} and {$750.00} to payoff the card in whole. Credit card company accepted both payments and placed a lock on my card without notifying me and held the double payment without notifying me or placing a " credit '' of one of the payments on my account. I called their XXXX on XX/XX/19 that is when they told me they needed to validate the payments with my bank, thus we did a 3-way call with my bank. Afterwards I was told that my refund would be credited back to my bank within 7-10 business days and that the lock on my account would be lifted within a few hours of our call on XX/XX/19. 10-business days later I still have not received my refund for one of the payments and the lock on my account had not been lifted. I called their support again on XX/XX/19 ( 10-business days which included the XXXX Holiday, and they said they had a system error and the refund had not been submitted so they said they submitted it during our call and that it would be another 7-10 business days until I see the refund. I demanded this is unacceptable and that I wanted my refund immediately and if not received I will file a complaint with the CFPB and XXXX. They did lift the lock on my account on XX/XX/19 though.

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 2020-05-25
Company: Experian Information Solutions Inc.
State: GA
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 RECENTLY OBTAINED A COPY OF MY CREDIT REPORT. THERE WERE ACCOUNTS AND INQUIRIES THAT DID NOT BELONG TO ME. PLEASE INVESTIGATE AND REMOVE THESE ACCOUNTS FROM MY CREDIT 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 2019-06-07
Company: EQUIFAX, INC.
State: CO
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 is reporting incorrectly a collection to Equifax ; XXXX and XXXX for an account with a balance of {$560.00} on the XXXX partial account number XXXX. ( Please see page 4 of the attached credit report ). This account is over 7 years old and therefore should not be on my credit report. This incorrect reporting is harming my credit score and is a Fair Credit Reporting Act ( F.C.R.A. ) violation. Please remove this line item from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-03
Company: Santander Consumer USA Holdings Inc.
State: MI
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:
Santander USA has lost a lawsuit which alleged illegal practices for 35 states. It is attached. I will be entitle to compensation based on this lawsuit. All 3 credit bureaus have incorrect information submitted to them by Santander which shows my account as a charge off with money due to them. I have requested an extensive amount of information from Santander which they did not provide. That letter is attached. They can not validate the debt, loan terms are incorrect on my credit, they charge more than stated per the contract, charged more interest than the principal, fees that are not valid, never supplied me with any charge off information or why when I was STILL PAYING on time during their alleged charge off month of XX/XX/XXXX and OVERPAID according to my statement from XXXX until present. This is my last step before small claims court and they will not even provide me their legal address to serve them papers. This company has devastated consumers including me and after 8 years and paying them XXXX for a XXXX vehicle its enough. They even have listed my vehicle as a commercial vehicle making the contract null and void.

Company response to consumer: Closed with explanation