BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-04
Company: Rocket Mortgage, LLC
State: MI
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: Problem with personal statement of dispute

Complaint:
Last year I went through a time of fore bearance with my mortgage with Quicken Loans/Rocket Mortgage. I was told by them that I would have to check in periodically, which I did and that I would not need to make any payments and there would be no payments demanded during this time. I was able to start making regular mortgage payments starting last XXXX and have been on-time/current ever since. I was told by the people that processed the loan modification after the fore bearance that I would have to have twelve consecutive months of not missing or being late on my mortgage payments and then I could re-finance at that time ( XXXX of this year ). I found out yesterday that Rocket Mortgage/Quicken Loans reported me 60 days delinquent on XX/XX/XXXX and then 150 days late on XX/XX/XXXX. I called to speak with them regarding this today and was told by their representative in the account resolution team that I missed some check-ins with them during that time of forebearance and so they were required to report it that way to the credit bureau XXXX All the time, every month I would check in they would tell me that they understood and that nothing will impact my credit, not to make any payments until they were able to get the loan modification completed. They did the remodification in XXXX of last year and I started making payments the first of XXXX and faithfully on time without fail ever since. This now locks me in to stay in this loan with Rocket for three years according to what I was told by another lender who was looking into the possibility of refinance and getting some equity to pay off some debt/make some home improvements. I feel they were not operating in any integrity and now just want to keep me locked into their mortgage for three years without me having any options. There have been several calls from representatives of Rocket/Quicken to try and get me all set up for refinance with taking out equity in XXXX of this year and now I find out that it will be XXXX of XXXX before I can refinance based on this error in their reporting against what they instructed me to do and said would happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-12
Company: Caliber Home Loans, Inc.
State: MD
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I purchased my home in XXXX. At that time, my legal name was XXXX XXXX XXXX. In XXXX, I filed chapter XXXX bankruptcy. Since I had XXXX mortgages, the XXXX ( The XXXX XXXX ) was discharged. Since, they have sold to Caliber. I learned last week that Caliber has marked the account as active and state that I owe approx. $ XXXX. I have called numerous times. The automated system does NOT recognize my ssi number, nor loan number. The only other option is to dial the ext of the person you wish to speak. I CA N'T get through to a live person. I sent an email and received an automated response saying they will reply in the legal amount of time. What is the legal amount of time? I had a loan officer call. She was able to speak to a supervisor who argued with the loan officer. The representative stated they will take the FULL 30 days before responding. This is clearly an error. The only thing received since bankruptcy was a XXXX for tax purposes, clearing the debt. I have never received anything since. I just want this corrected immediately and off of my credit report. I am not sure if XXXX forgot to mention bankruptcy or if Caliber did this on their own. Bottom line, I need this to be corrected immediately. This is horrible customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-30
Company: JPMORGAN CHASE & CO.
State: GA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
In 2010 I requested a modification and was denied at that time my payment was XXXX at that time my husband and I borrowers fromOf 401k so we would not lose our home. Luckily the mortgage payment has went down. But once rates go up I willLose my home. I have a interest only arm rate with chase mortgage. I have a mortgage in Ga for a home we bought for XXXX interest only no money down. It 's not a XXXX XXXX or XXXX XXXX loan. Harp could not help. Hope could not help!!! Manager at chase mortgage XXXX XXXX could not help! After buy the house we consolidated all our debit into a second mortgage for XXXX ( I was able to refi this loan for a fixed rate at 5 %. We have called and applied to our mortgage company during hardship times for help but they told is we would have to miss payments to get anyone toLook at our loan. We have borrowed money fromOur 401k so we could make our payments. We believe that people should not walk fromHomes and work XXXX jobs if they have too. Because maybe we are old fashion but it 's wrong to walk from a home. All we want is some help!!! A fixed rate!!! Our value on our home is XXXX harp said if we had XXXX cash and saboritated the XXXX we could get fix rate but our mortgage payment would go up!! 

Any ideas and one I can call for help???? 
I believe it 's in the best interest for Chase mortgage to reduce our mortgage value to XXXX and give us a fixed 30 year mortgage. So we can keep our home! 
XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I JUST PULLED MY CREDIT AND IT SEEMS THAT CAPITAL ONE IS REPORTING AN INCORRECT BALANCE TO XXXX. 

THE BALANCE AS OF XXXX ON MY TWO CAPITAL ONE ACCOUNTS WAS XXXX AS I PAID THEM OFF IN FULL IN XXXX. 

THEY ARE REPORTING A BALANCE OF {$3100.00} AND {$2500.00} TO XXXX  MY ACCOUNTS ARE XXXX XXXX XXXX XXXX AND XXXX XXXX XXXX XXXX I NEED THIS INFORMATION CORRECTED IMMEDIATELY. I AM MONITORING MY CREDIT VERY CLOSELY SO BE ADVISED THAT YOU ARE HEREBY ON NOTICE FOR VIOLATING MY FCRA RIGHTS BY REPORTING AN INCORRECT BALANCE TO XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-09
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
For going on 4 months now Ive had roughly {$5800.00} in my checking/savings account with TD bank and it has been locked the entire time and I havent been able to access my funds yet but they can keep taking out the monthly service fees every month and when I go to the branch they say call when I call they say go to the branch its a joke and they refuse to allow me to close out my account with them to get my money that way this is ridiculous what gives them the right to withhold my funds from me and continue helping themselves to maintenance fees each month and keeping my money from me like this?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-17
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: Account status incorrect

Complaint:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are still reporting on my Credit Reports and need to UPDATE or REMOVE completely from my Credit Report : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1700.00} XX/XX/XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$8700.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-27
Company: U.S. BANCORP
State: CA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
US Bank issued the XXXX credit card that I used. The current complaint is that my identity was stolen ( everything from Social Security number to password and all personal information ). The bank employees told me that they knew of the theft but did not contact me. Someone had called the bank and asked to change my password and address. The person had my personal identity information. I only learned of the theft when I called US Bank asking why they had blocked my use of my card when I tried to use it to buy printer ink. I talked to US Bank employees who basically said they were too busy to contact me. There were many earlier occasions when the bank blocked my card usage when I was outside my immediate home area. Each time I asked them to call me and ask if I used the card and was assured that they would do so. It did n't happen. 
I am a senior citizen.

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 2022-05-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2020-10-16
Company: Rocket Mortgage, LLC
State: RI
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 had an offer to check for a mortgage refinance with Rocket Mortgage by Quicken Loans. At the end of the form it says, " Submitting this form won't affect your credit. '' Then it redirects you to another site owned by Rocket Mortgage. The site ask you for more questions, and at the end when you send the form a hard credit pull showed on my account. This is a deceptive practice. They shouldn't be advertising a product or service that doesn't follow their initial statement of not affecting your credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-08
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
This is in response to a previously " resolved '' claim. The claim number is XXXX. As a result of this complaint, Carrington Mortgage Services agreed to redact or suppress all credit reporting and remove late charges for the dates XX/XX/XXXX through XX/XX/XXXX. They did suppress credit reporting, but have refused to remove the late charges, even after I have continuously called and complained. This mortgage company has given me nothing but trouble regarding any issue I've had, and the late fees have still been piling up and attached to my account. I am seeking to have them removed, and at this point, I think the only way I can get this done is by filing an additional claim. I have attached the document in which this is explained.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
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:
Unauthorized hard inquiries that were reported as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX. 

Attempted to dispute inquiries with all XXXX credit bureaus and were coming back as validated when clearly I have not attempted and had no awareness of attempt to open listed accounts above.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect personal information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal information that are still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-26
Company: CORELOGIC INC
State: NH
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
On XXXX/XXXX/2015 XXXX/Credo ( XXXX XXXX XXXX made an inquiry of my credit file with XXXX without my concent

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 2020-06-09
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
BJ 'S PERKS MASTERCARD BY COMENITY BANK CHARGED ME LATE FEE ON XX/XX/XXXX {$40.00} AND PRIOR TO THAT CHARGED ME {$28.00} DUE TO FACT THAT I RECEIVED BILL LATE AND PAID LATE. I EXPLAINED TO THEM THAT I WAS AFFECTED BY COVID19 AND ALSO NY GOVERNOR ISSUED AN ORDER TELLING BANKS NOT TO CHARGE CUSTOMERS LATE FEES. THIS BANK DO NOT CARE. I WANT MY MONEY REFUNDED. I ALSO WANT THIS BANK SHOULD BE IMPOSED A PUNISHMENT DUE TO GIVING CUSTOMERS HARD TIME IN THIS DIFFICULT TIME. THANKS! 
XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the Inquiry that is still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XX/XX/2021

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 2018-07-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
transunion is reporting information that submitted to be taken off of my report. debt was paid for XXXX credit card and an agreement was made for that account to be taken off my credit report. XXXX is reported as deliquent and it has been paid for

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 2022-05-13
Company: Grain Technology, Inc.
State: UT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I have a credit account with an app called Grain. It's a type of " digital credit card '' and I have reached out to the company through the channels they provide through their app - which is exclusively email. I got an automated reply saying they would get back to me within 2 business days and I have yet to hear back ( 4 business days ago ) I have asked for my account to be closed and they have not closed my account nor-acknowledged my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-09
Company: U.S. BANCORP
State: FL
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
SOLD REAL ESTATE PROPERTY IN 2010. I WAS LATE XXXX PAYMENTS. XXXX. US BANK TOOK 6 MONTHS TO GIVE MY PAYOFF FIGURE ALL THAT TIME CHARGING INTEREST AND PENALTIES. THEY NOW REPORT THE HOUSE WAS FORECLOSED ON ... I NEVER RECEIVED ANY PAPER WORK OR NOTICES ON THIS THE HOUSE WAS NOT FORECLOSED AND I LOST SEVERAL THOUSAND DOLLARS BECAUSE OF THIS. I CALLED THEM DOZENS OF TIME DURING THE SALE AND WAS IGNORED EACH TIME. ALL CREDIT REPORTS SHOW THIS AND I CONSIDER THIS FRAUDULENT BY THE BANK. THEY ALWAYS SHUFFLED ME AROUND AND STILL NO ANSWERS EVEN TO THIS DAY ALL I GET IS THAT THEY WILL LOOK INTO THIS AND I HAVE ASKED FOR ALL THE PAPERWORK INVOLVED,,, STILL IGNORED

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-31
Company: National Principal Group, LLC
State: LA
Product: Debt collection
Sub-product: Payday loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I keep getting these phone calls of a payday loan i supposedly got many years ago. at first last year in 2015 i recieved XXXX and paid it because i know back in the time it was supposedly done i did do a few payday loans and might have forgotten XXXX and so i paid it to the collection agensy now in last couple of days i am recieving phone calls daily from XXXX using phone numbersXXXX and XXXX trying to make the same claim as last year which i paid ( now i 'm thinking i have been scammed ). either way they threatn with legal action and court for something that i paid for last year.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-12
Company: U.S. BANCORP
State: DC
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
My name is XXXX XXXX XXXX I perches a vehicles on XXXX/XXXX/2016 and after one month I perches my vehicle moved to an a there state and I informed my bank immediately to Stat to Stat title transfer but the bank do the trick do anything to solve my concern know I could n't registered my vehicle and the XXXX wo n't prof of insurance or XXXX pend my driver license I did n't know what to do please Ned help. Thanks

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 2016-01-29
Company: U.S. BANCORP
State: PA
Product: Credit card
Issue: Balance transfer

Complaint:
I have XXXX balance transfers on my US Bank credit card - XXXX due XXXX XXXX, XXXX due XXXX XXXX and XXXX due XXXX XXXX. All at 0 % so there is no highest percentage to payoff first. However, the minimum due amount goes towards the XXXX XXXX balance and the rest goes to the XXXX XXXX balance with none going towards the XXXX XXXX. How is this fair. They are paying off the one that is due longer not what is due now. I want to payoff the XXXX XXXX balance but was told that if I do that only minimum payment goes towards that balance and the rest will go to the XXXX XXXX. I have to payoff the XXXX XXXX first to payoff the XXXX XXXX. This is not fair! I do not have the money for the entire amounts just the XXXX XXXX. So when I can not pay off the XXXX XXXX balance because of the way they are allocating my payments I will have to pay accrued interest on the balance due XXXX XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-04
Company: U.S. BANCORP
State: CO
Product: Credit card
Issue: Billing disputes

Complaint:
A new bank took over from the previous one, from XXXX to visa ( fidelity credit card ). I setup auto-pay but they failed to take payments, failed to notify me of unpaid balances. I had been a customer for at least 5 years, maybe 10, never late, always paid balance in full with auto-pay. They cancelled all fees and interests once I called them, however they refused to undo their reporting to credit reporting agencies. It turns out that while they did not feel necessary to communicate with me for the unpaid balance issue, it warranted immediate notifications to credit agences. They refused to reconsider this action. It is unacceptable that a corporation can at their whim damage my credit report with the only recourse that I have is a lawsuit.

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 2021-11-17
Company: Franklin Collection Service, Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I ordered high speed internet from XXXX XXXX XXXX in XX/XX/2020. The tech came out and installed the connection and then informed me that high speed internet was not available in my building. I told him that I did not want slow internet and to cancel my order. He said he couldn't but assured me that I could call and cancel for free. I called and the person on the phone apologized and told me how to send the equipment back which I did. I never activated the service. A couple of months later I received a bill for the install fee. Now it is in collections. It's a little over {$100.00}. I could pay it but I feel as though I was duped. I have called XXXX XXXX XXXX and spoken with the collection agency with no resolve.

Company response to consumer: Closed with explanation