BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-04-02
Company: Rocket Mortgage, LLC
State: AZ
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 attempted to use rocket mortgage, a product of quicken loans. 
This resulted in a hard inquiry on my credit report. 

The information I provided resulted in quicken loans offering me a loan for a {$5000.00} home. 

The results were ridiculous and have I known the results were going to be a joke, I would not have used the service.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14
Company: NAVY FEDERAL CREDIT UNION
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
In XX/XX/XXXX, I applied for a VA Mortgage Loan from Navy Federal at 2.75 % with 1 Discount Point at 1 %. I was pre-approved and have since placed an offer on a house ( XX/XX/XXXX ) with a loan amount of {$280000.00} with a discount amount of {$2800.00}. During the option period, I tried to contact my Loan Officer several times via email and phone to secure the rate. The Option Period ended on XX/XX/XXXX and only today XX/XX/XXXX did my Loan Officer inform me that there will be an additional 1.5 % or {$4200.00} in Orientation Fees. I stated that the website advertising the rates and the pre-approval paperwork did not state the additional Orientation Fees. After I brought it up, the Loan Officer talked me to find in a very obsure location the Orientation Fee information that is clear only an internal employee would know to find. At this point, I asked my Loan Officer why she did not reply to my emails or phone calls to discuss this information and lock down the rate prior to my Option Period ending. She did not provide a response to her delays beyond the option period. I asked to speak to her supervisor and later her supervisor called. The supervisor could not explain why the Orientation Fee is not located next to the advertised rate similar to the Discount Points and why the Loan Officer would not respond to my requests to resolve the interest rate while I was still in the option period. At this point, I will lose {$3500.00} in Earnest Money and I was informed there will be an additional 30 days in processing the loan. In Summary, ( 1 ) Navy Federal was not clearly advertising their true cost for interest rates and put in a location only employees would know to look. ( 2 ) Did not provide any Orientation Fees documentation in the Pre-Approval paperwork that was used to put an offer on the house. ( 3 ) The Loan Officer would not respond to phone calls and emails when directly asking about the Discount Points charged even when I specifially outline the math involved during the option period when I could walk away from the home purchase contract. Only after the option period did the Loan Officer inform me of this additional {$4200.00} in charges. ( 4 ) The Loan Officer Supervisor could not explain why the information was not located next to the interest rate, like the Discount Points, on the website and why the Loan Officer did not respond to my communications during the option period when I could have avoided the additional {$3500.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-28
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I lost everything in the real estate fiasco. Back in XX/XX/XXXX i had amazing credit but as a single mother had to move to support my kids. 1 ) They were still reporting that i was the owner of my house in XXXX   ... XXXX XXXX, XXXX, XXXX. It was sold in XX/XX/XXXX or XX/XX/XXXX. When i bought in XXXX state, i was sold a lemon of a house. My children and i lived without basic necessities ... no plumbing-no way to bathe with XXXX kids, youngest only in XXXX grade. We experienced power surges that blew out my oven and washer and dryer. I was paying close to 2000 a month in mortgage and amassed 8 years of documentation. The real estate agency and agent knew of the situation. I complained and then sought mortgage help. They expected me to continue to pay the same. I took it to court and submitted all the paperwork to no avail. The attorney did not submit my paperwork so i was told to sit down when i rose to object to my treatment. I have tried to go to XXXX State Attorney General, all the FED agencies. I lost my house in XX/XX/XXXX, penniless. I moved to Public housing in XXXX. I was diagnosed with XXXX in XX/XX/XXXX. I have a XXXX degree and am considered an expert in my field. The time i tried ALONE with no support to rectify the issues left me physically ill. I have way too much information to share here. The former owner never was held accountable for their illegal activity, nor was the agent or agency who were well aware of how my family wad forced to live. Please contact me if you take me seriously at all. I am not putting out any more energy to repair credit that was destroyed by the establishment and their unwillingness to stand up for me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-01
Company: CITIBANK, N.A.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
i have missed several payments due to reduced income in my household. When i reached out to my lender for assistance they informed me that they would not consider the short sale, due to the foreclosure sale date being so close, but even before then they did not assist me with any alternatives. I am struggling to get something done and i now have an offer that i would like for the lender to review so that i can at the very least sleep at night. I am so stressed out about this whole thing that i am beginning to feel despondent. Please help me.

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 2020-10-31
Company: R & B Corporation of Virginia
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
As I explained to this company that I was unfamiliar with this debt and that I don't believe I owe this money.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20
Company: Resurgent Capital Services L.P.
State: FL
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 SOC SEC # XXXX DOB XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX FL XXXXATTENTION DISPUTE DEPARTMENTTODAYS DATE: XX/XX/2019RESURGENT CAP SRVCS LP Reported: XX/XX/2019Your company have violated FCRA 615(f) (15 U.S.C. § 1681m (f))(f) Prohibition on sale or transfer of debt caused by identity theftYou have not responded to my request to provide me with an investigation report.I need this resolve , under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they cannot be supported by any evidence(1) In general No person (company) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.(2) ApplicabilityThe prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph (1) after the date of a notification under paragraph (1).(3) Rule of constructionNothing in this subsection shall be construed to prohibit--(A) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft;(B) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing;  or(C) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.The reference items are listed below please take this matter very serious RESURGENT CAP SRVCS LP Reported: XX/XX/2019I have report your company to consumerfinance.govAs a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX   District of CaliforniaStop collection proceedings against me•	Signatures on applications and accounts•	Investigators reportXXXX, XXXX  SOC SEC # XXXX DOB XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-28
Company: FIRST NATIONAL BANK OF OMAHA
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I sent my payment early for XX/XX/XXXX on XX/XX/2018, with my letter requesting they had made an error in charging me late fees and interest. My payment was 18 days early as it wasn't due until the XX/XX/XXXX of the month. When I looked at my bill again, I saw that they had been charging me late fees for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/2018. I had made my payments by the due date. They stated that they did not receive my payments by the XX/XX/XXXX of those months, which is their cycle. I called them on XX/XX/2018 explaining this, but they did not seem to comprehend what I was saying. I again stated that I did not know how long they held my check once it was received by them, so the interest charges were incorrect. I had never had a late payment on this account. I sent a letter dated XX/XX/2018, with my payment explaining that they may have held my payment so they could charge me a late fee. When the supervisor called me she was responding to my letter and that my payment was entered into their system after the cycle. Their cycle was the XX/XX/XXXX of each month and that if my payment was received in a 3-day window between the XX/XX/XXXX and XX/XX/XXXX of the month, I would not be charged a late fee. I again stated that because they were out of state, I did not know long they held the payment prior to them inputting it into their system, but that I was not late and had never missed a payment. The US Postal Service can be a bit inconsistent on deliveries and mail could take between 5-7 days to an out of state address. On XX/XX/2018, I received a letter from " Office of the President '' dated XX/XX/2018, stating they were looking into my concerns of XX/XX/XXXX and XX/XX/2018 and would need to do additional research. On XX/XX/2018, I received a notice from XXXX XXXX that my account had been closed. When I went onto the site, it showed on XXXX my account from was closed on XX/XX/2018 and XXXX showed my account was closed on XX/XX/2018. Both inconsistent and after the date of their letter to me. I was never contacted by XXXX XXXX ( XXXX XXXX ) about this, nor was any further research results forwarded to me. Closing my ; account abruptly like this is unfair, unduly harsh, bad for my credit, and I believe it is in retaliation for my complaining about their faulty business practices.

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 2020-10-31
Company: Experian Information Solutions 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:
I reopened my XXXX XXXX Account after paying the balance down to XXXX. I have been using the card for three months now and each month the card is being reported as closed on my credit report even though the account is open. I have spoken with XXXX  XXXX ad even submitted a dispute. A representative from the corporate office called me a week ago. The representative was dismissive and she said all the from what she could see all the bureaus reported the account as open. However when I pulled all 3 reports from XXXX, XXXX, experian all 3 bureaus are showing the account closed. This violates my right to fair reporting and I would like the issue to be resolved or like to file a formal complaint with the state regarding this company. I have disputed this account serveral times and every month its being reported as closed. I need to make sure this account stays on my account each month as open as it will affect my ability to purchase a home. Please help. 

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 2020-10-31
Company: Resurgent Capital Services L.P.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX, I paid the agree upon amount to Resurgent Capital Services acting as LVNV. Once paid they agree to remove their collection account from my credit report. As of today the collection account is still posted on my report hurting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26
Company: EQUIFAX, 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 am a victim of identity theft and did not make the charges. I ask that the items be blocked to correct my credit report. This is the second time within a year i've been a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14
Company: LJ Ross Associates
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: Information belongs to someone else

Complaint:
I moved out of my apartment in XXXX of 2014. I closed my XXXX XXXX account and paid my last bill. 
About 8 months later, I was told that I owed another {$490.00} which was obviously incorrect. This must have been the amount owed by the current occupant of the apartment. I on multiple times, tried to have XXXX XXXX remove the amount, but they sent it to collection with LJ Ross Associates. 
I have contacted LJ Ross over 12 times to remove the incorrect information from my credit rept, and they have refused each time. 
Please remove this collection from my credit report, I pray. Thank you!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-02
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have sent a " validation letter '' to XXXX XXXX XXXX XXXX in XX/XX/XXXX via certified mail and got a response on XX/XX/XXXX. PRA, LLC has responded with copy of a bill in which does not meet Federal Trade Comissions guidelines of what constitutes proper debt validation. So I sent a second letter of " validation '' on XX/XX/XXXX via certified mail and was received on XX/XX/XXXX and received a response on XX/XX/XXXX. From countless hours of research I have found that an original contract with my signature constitutes " validation '' and one was not provided to me as requested. In their second letter response and I quote " Please be advised we have reviewed your dispute and our records indicate we have already responded to a previous dispute substantially the same as your present dispute. Because your dispute alleges no new facts and includes no new information in which to form the basis for a new investigation, we will not be conducting another investigation of the dispute pursuant to 15 U.S.C. Section 1681s-2 ( a ) ( 8 ) ( F ) ( i ) ( II ) of the Fair Credit Reporting Act. 

If we continue to receive subsequent correspondence from you regarding a dispute that has already been resolved, we will consider your inquiry answered. No further replies will be forthcoming unless you provide the information we need to assist you. Our office considers the matter closed. '' I am simply requesting XXXX XXXX XXXX XXXX to "  validate '' their claim by sending me a copy of the original contract with my signature and I will pay the debt in full. I am trying to take care of old debts so I can start new path for me and my children 's future.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-19
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:
This XXXX loan was paid in full and still showing a balance of {$1300.00} in my credit report!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
In 2017 I had got a victims comp check in the amount of {$2500.00} at that time I was banking with chase bank after deposit the check was clear the account that days chase bank closed my account kept the cash and still this day refused to refunds me the cash

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-04
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
The account is closed & has been closed for years. I have disputed to get it removed off my credit reports & it has n't been removed

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 2020-10-31
Company: Paypal Holdings, Inc
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
.On XX/XX/XXXX, ( not sure if this ' the right date ) two transfers were made to my account. One for {$30.00}, and an other for $ XXXX.As a standard transaction procedure, I received a message from PayPal about those two transactions, stating that they were deposited to my account. Upon checking my account, however, the funds were not available on there. I immediately sent a message alerting customer service about the missing funds. A reply stated that they were. I questioned whether they might have been deposited to a previous account that I've submitted, that I had to replace by the latest that I've provided. The representative did not confirm nor denied that possibility. A back and forth ensued on this issue, to no avail. I called my bank, that couldn't verify the deposit, I was told since the said account, was already closed.Ever since that month, PayPal has been either reluctant or unwilling to bring this issue to a close. Being so frustrated with this issue, I had closed my account with PayPal.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23
Company: EQUIFAX, INC.
State: MS
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: Was not notified of investigation status or results

Complaint:
XXXX XXXX of 2021, I filed a dispute with this credit bureau about the unverified account XXXX XXXX XXXX Account number XXXX and XXXX. I have asked numerous times for a response and I have not received anything in response from these bureaus in over 60 days. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company about these 2 unverified accounts as of today. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-01
Company: WELLS FARGO & COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I put {$10000.00} into a secured credit card with Wells Fargo. After nearly XXXX years, they would not release the funds and extend my credit. 

I paid all my bills on time, I had XXXX fico and kept my debt ratio below 30 %. They would still deny releasing my funds and would not give me ANY reason for the denial. 

About a month ago I walked into Wells Fargo and needed my money back because I am going through a divorce. I told the banker they can either do 2 things. 

1. release my money and extend the credit. 

2. I close the account entirely. 

The banker advised 1 - me if I wanted to close the account it would take XXXX days. 

2 - for a {$400.00} fee they would release the funds for me today and extend my credit. 

I left the bank feeling like the problem had been solved even though I paid {$400.00} to have them release my funds and extend my credit. About a week later, I went to my online banking and saw that my secured credit card was maxed out and the credit had in fact not been extended. 

Now they have already charged me {$400.00} after misinforming me, and now a further XXXX interest fee. The bank advised me that I would have to pay {$600.00} by the XXXX if I want to stay in good credit standing. 

I NEVER intended to do a XXXX XXXX only to close the account if they were not going to release my funds and extend my 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 monetary relief