BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-07-15
Company: Rocket Mortgage, LLC
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied online at Rocket Mortgage by Quicken for a loan pre-approval. I had to give all of my and my wife 's financial information, social security number ect ... Then I was told I was preapproved up to {$390000.00}, which is the amount of the house we were looking at. I asked for a loan estimate prior to giving them any further information and was told that I would not get that until I supplied them with the actual property we wanted to purchase. Since the house we were looking at went into a pending status, we will have to continue our search, but I still need to have an estimate of the amount they are going to charge me for closing cost. Their agent refused to give me a loan estimate. He said it is required for them to have the property address that we are buying. I do not believe this is true because thousands of people do a pre-approval before even beginning to search for a home. I explained to him that the home had gone under contract with someone else and that we were back to the drawing board. We do not plan to spend more than 400K for a home and I asked him to use that figure for the loan estimate form. He again refused. 

This is his email : ( As was stated prior, a full address is needed to obtain a Loan Estimate. Without the full address, a loan estimate can not be issued. Current numbers sent in email, are the closest estimates for the programs you requested & those numbers will change daily until you get an actual home & LOCK in the rate itself. Will be happy to issue you a Loan Estimate once you have a property w/full address. Thanks XXXX Enjoy the day!!! 

Appreciate you XXXX XXXX XXXX | Senior Purchase Banker Direct : ( XXXX ) XXXX | Toll Free : ( XXXX ) XXXX XXXX Cell : ( XXXX ) XXXX | Fax : ( XXXX ) XXXX | NMLS # XXXX It is my understanding that if I apply for a loan, which I did, they have 3 days to supply the loan estimate. They pulled a credit report, so the application was done.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-15
Company: Experian Information Solutions Inc.
State: TX
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:
XXXX XXXX provided validation of debt with inaccuracies. The card acceptance certificate dated on XX/XX/XXXX to XXXX XXXX XXXX XXXX, TX XXXX was not my current address. From XX/XX/XXXX - XX/XX/XXXX, my home address was XXXX XXXX XXXX, TX XXXX and from XX/XX/XXXX to current my home address is XXXX XXXX XXXX XXXX, TX XXXX. My email address XXXX XXXX has listed for me is XXXX. This is also invalid. 

I will be filling a copy of the acceptance certificate with my police 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 2017-12-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I received my bill on XX/XX/XXXX. I went to pay it the same day and I noticed the due date was XX/XX/XXXX.  The postmark on the envelope is XX/XX/XXXX and is labeled with " XXXX. '' I called customer service and explained the problem to XXXX who said she would remove the late fee, it was their error. She also stated within a week I would receive a letter at my home stating that it was their error, that the late fee was removed and they had contacted the 3 credit bureaus rectifying the slow pay. The bill was for {$70.00} that was due on the XX/XX/XXXX. I was told that in total I owed {$280.00} but the difference would be on the next bill. I paid the entire amount of the bill through XXXX on XX/XX/XXXX and it said it would be delivered on XX/XX/XXXX. 

I called Kohls again on XX/XX/XXXX at XXXX because I had not received the letter, nor heard anything from them. This time I spoke with XXXX. He stated that the late fee had not been removed, hence it would have been reported to the credit agencies. He stated that he " can reverse '' the late fee so it would not affect my credit rating ( which is over XXXX ), and that would " reset the credit bureaus. '' He again assured me that this was done while we were on the phone. 

I called back at XXXX XXXX on XX/XX/XXXX and asked to speak to the manager of collection debt. They told me the manager was unavailable, that I could speak with a supervisor. I refused this as I had already spoken with supervisors. I told XXXX that if I did not hear from the collections manager that I would be contacting CFPB. She stated all she could do was send a message. I have not heard from them as of yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-15
Company: U.S. BANCORP
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:
In XX/XX/2015 I received a MasterCard gift card for {$50.00}. Even though I have never used it, I was surprised today to learn that the card 's balance is now shown as XXXX  due to a series of monthly {$2.00} " inactivity fees. '' I believe this is a dishonest practice. My understanding is that such fees are illegal in California, where I reside. Can you please check on this and advise? Thank you. 

Card number : XXXX XXXX XXXX XXXX, valid thru 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 monetary relief
Consumer complaint received 2019-02-19
Company: AES/PHEAA
State: NY
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 a loan with XXXX XXXX XXXX   XXXX ). I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX and XXXX and XXXX XXXX XXXX   XXXX with no successful resolution. XXXX, XXXX and XXXX only reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX to XX/XX/2017.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-20
Company: Ocwen Financial Corporation
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
received a escrow payment history from ocwen for the years XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX. for everyone of these years a escrow account adjustment was taken out of my escrow account. on XX/XX/XXXX a escrow adjustment was done two times. on XX/XX/XXXX the escrow balance was XXXX on XX/XX/XXXX the balance was shown a deduction of XXXX no reasons given. on XX/XX/XXXX the escrow balance was XXXX a adjustment was made for XXXX. when I contacted ocwen they stated it was taken for a new modication. I called the CFPB they told me the escrow money could only be used for taxes and insurance .when you sigh papers for the new agreement to have your mortgage modification they never added any documentations stating they were taking money out of my escrow. there response to my questions have been to email me new payment numbers explaining it was done for the modifications. what is the purpose of a modification to help people who have fallen behind on payments. not to make a new agreement with trail payments and then take your money which has a surplus that should have been sent to 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 2017-12-20
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: Old information reappears or never goes away

Complaint:
XXXX XXXX I Last reported : XX/XX/XXXX + {$860.00} Needs Attention XXXX XXXX XXXX Last reported : XX/XX/XXXX + {$710.00} Needs Attention XXXX XXXX XXXX Last reported : XX/XX/XXXX + {$550.00} Needs Attention XXXX XXXX XXXX Last reported : XX/XX/XXXX + {$530.00} Needs Attention XXXX XXXX  Last reported : XX/XX/XXXX + {$460.00} Needs Attention XXXX XXXX XXXX Last reported : XX/XX/XXXX + {$350.00} Needs Attention XXXX XXXX XXXX Last reported : XX/XX/XXXX + {$310.00} Needs Attention XXXX XXXX XXXX Last reported : XX/XX/XXXX+ {$300.00} Needs Attention XXXX XXXX I Last reported : XX/XX/XXXX+ {$68.00} Needs Attention DXXXX XXXX XXXX Last reported : XX/XX/XXXX+ {$38.00} Needs Attention

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15
Company: STERLING JEWELERS, INC.
State: MA
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:
Hi and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23
Company: AMERICAN EXPRESS COMPANY
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I contacted American Express about about a fraudulent attempt to acquire a credit card with my information. I informed them I have not applied to their company for credit and their fraud department assured the matter would be handled and it would not impact my credit. I received notice from my credit monitoring service of an inquiry made on my credit report after American Express assured me no such inquiry would take place

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-21
Company: WELLS FARGO & COMPANY
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
I don't know who this company is. They never leave a message and it's a robot when you pick up. They call every day including Sundays before XXXX and after 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 non-monetary relief
Consumer complaint received 2018-04-05
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Security freezes and fraud alerts were not removed per my request. Also, I never requested them to be added.

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 2021-02-23
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
Ace cash has use lawyers to contact me and family members i put on my app about this payday that I was not able to repay and have spoke me on the phone about being taking to court and just today XX/XX/21 they use a law firm and others to contact me and a film to call my family so my question, if I can't pay this can they keep calling and calling family members on a payday loan, that not even banks does that to people so why are they allow to do this please let me know what my best way to handle this since im not able to pay ... and if I feel threaten by this what should I do and who do you contact to really make a difference with what is being done ...

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22
Company: Professional Debt Mediation, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I contacted Professional Debt of XXXX XXXX XXXX, FL 2, XXXX, FL XXXX ( which is the address listed on my credit report ) on XX/XX/2021 and stated pursuant to FCRA ( 15 USC 1692g ) that I was disputing their debt claim and requesting validation. This was NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully requested their offices to provide me with competent evidence that I have any legal obligation to pay them. They reported on my credit report as I had an account in collections with them in the amount of {$5900.00}. I also informed Professional Debt that if their offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX XXXX XXXX XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found, including but not limited to late payments, on any of my credit reports by their company or the company that they represent " XXXX XXXX XXXX '', I will not hesitate in bringing legal action against them and their client for the following : Violation of the Fair Credit Reporting Act, Violation of The Fair Debt Collection Practices Act, and Defamation of Character. I also informed them that the Fair Debt Collection Practices Act is intended to secure my right to privacy and my privacy has been breached by their company and the client they represent. Then assured them that I am sure the removal of my information from your website, company records, or any and all derivatives thereof, of, and/or with any affiliates will ensure my privacy rights wont be violated again due to my lack of consent. In addition to that violated my rights as a consumer pursuant to 15 USC 1692b ( 2 ) ,15 USC 1692b ( 5 ) ,15 USC 1692c ( 1 ), 15 USC 1692d ( 1 ), 15 USC 1692d ( 2 ), and 15 USC 1692f ( 8 ). They do owe me financial compensation for each violation. {$1000.00} per violation in fact pursuant to 15 USC 1692k under the FDCPA. 

I appreciate the CFPB 's assistance in the matter. 

Best,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-22
Company: Merchants and Medical Credit Corporation, Inc.
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Merchants and Medical continues to skirt the law by placing items on a persons credit report before validating the debt then when complaints are filed they provide false documentation that a validation letter was sent out. They also continue to verify the debt with the credit bureaus even though they have not followed the law regard debt collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-20
Company: Solomon and Solomon, P.C.
State: CT
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Solomon & Solomon are attempting to collect a debt in which I 've asked for documents that I still have not received. I 've asked for them to show me that they are licensed in my state to collect a debt. I 've also asked them to send me documentation that shows that I owe them for the debt they allege that I owe to them even though I have never done business with them. I 've asked for them to send me the assignment of the debt to prove that they are the ones to pay any debt they claim I owe. I want to see payment history on this account to prove that the amount they say I owe is correct. I have not received this to this day even though these are my rights according to the FDCPA.

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 2020-09-07
Company: SYNCHRONY FINANCIAL
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 status incorrect

Complaint:
Recently, I received a notice that my credit score decreased due to a delinquent account. Upon review of my XXXX report, I saw that a Banana Republic/synchrony card balance had been " charged '' off. I was not aware of this account. I do have a Banana Rebublic/synchrony credit card which I am aware of and pay off monthly. The details of the account in question ( the one I was unaware of ) are below : Account # ( as it appears of my credit report ) : XXXX Date opened : XX/XX/XXXX Date closed : XX/XX/XXXX Last payment made : XX/XX/XXXX Date updated : XX/XX/XXXX On my credit report, it shows a balance of XXXX all the way up until XX/XX/XXXX, when all of a sudden there shows a balance of {$220.00}, and a rating of " charged off ''. 

Once again, this is a separate account than the credit card from Banana Republic/Synchrony that I am aware of and that I use. 

I attempted to contact the contact multiple times today, and spoke to three different individuals. They all passed me around and were unable to help me with my issue.

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 2020-05-26
Company: BANCO POPULAR DE PUERTO RICO
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: Account information incorrect

Complaint:
I already submitted a letter requesting the XXXX to report the XXXX MORTAGEas closed in my credit report and they haven't corrected the issue. The letter send to my credit report belongs to the first mortgage not the second 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 2020-07-05
Company: CITIBANK, N.A.
State: CO
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:
I have 4credit cards issued by CITI. In the months of XXXX through XXXX they dropped all credit limits on three of the cards and I expect the 4th one to drop next. Although my credit card useage is high, prior to the decreases about 38 %. It is now over 50. I have dramatically cut card useage down since XXXX when I no longer had to pay medical expenses accrued during XXXX XXXX  I was being treated for with no insurance. I had one card with them which was a balance transfer option and I paid down some of my cards with it. I have impeccable payment history and have not gone into collections for medical  bills. I have never missed a payment nor been late and even during COVID made my payments while on job attached unemployment. I have not missed work even through XXXX  although I cut down on hours when feeling XXXX  from side effects. I went back to work quickly against doctors wishes when I had XXXX. I feel that destroying my credit rating by one bank that holds a monopoly of different credit cards is not correct. This bank has brought my credit score down by 42 points in three months and has put my credit with my other cards at risk. I am not a risk and have worked to ensure all payments are made on time and in full. I am a XXXX  and I pay more when I can but always minimum due. Last month I paid over 500 of balances down which does not seem like a lot but it was an accomplishment. I more than qualify for chapter XXXX bankruptcy, but it is not an option as I am a responsible consumer. I have reached out and was told they reviewed my credit report and decided this was my punishment for using credit cards. I was told that with my permission prior to XX/XX/XXXX they woul re~review my credit report, which is now down 42 points and because of their direct interference my credit useage has jumped up. Their decision will not change and will then add an inquiry. I was notified via letter that the decision was not based on credit company information when in fact it was. I did not know a review of my credit file was used. I am nervous about the effect this is going to have on my purchase of a mobile home with my daughter. This is a lot of power that one entity has over one person. I feel that the freedom of these types of actions should be monitored. This a very common occurrence with this bank especially as I have been studying complaints with XXXX. I understand the need to make changes but not on that many accounts in such a short period of time.

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