BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-25
Company: Rocket Mortgage, LLC
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/2021, I purchased a condo on the beach in Delaware with cash from the sale of a commercial property in XXXX and cash from my XXXX XXXX account. I had to use about {$260000.00} in margin from my XXXX account. Seller insisted purchase must be in cash. 

On or about XX/XX/2021, Rocket Mortgage began to process my delayed financing of {$330000.00} ; XXXX year fixed rate mortgage. I made it clear that the cash out would be used to cover the margin. They offered {$320000.00} cash out, for a {$330000.00} mortgage. 

On XX/XX/2021 I was told by Rocket Mortgage ( XXXX XXXX bank ) that, because the master insurance plan was shared between the condo ( HOA ) and the adjoining XXXX XXXX ( at XXXX XXXX XXXX, XXXX XXXX, they would NOT approve a 30 year fixed rate mortgage. The mortgage would have to be a 10 year XXXX and I would need to pay {$4900.00}, which could be financed as part of the mortgage. The new offer was a {$330000.00} mortgage with {$320000.00} cash out 10 year ARM. 

On XX/XX/2021, I was told that the mortgage could NOT be used to cover margin. The implication is that XXXX XXXX Bank wanted me to maintain XXXX {$300000.00} high rate margin. Seems absurd they would move me to a riskier 10 year ARM and demand that I keep my margin. 

My XXXX XXXX is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-25
Company: JPMORGAN CHASE & CO.
State: AL
Product: Debt collection
Sub-product: Auto
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Chase Auto will call up to 5 times a day. Some calls are automated, XXXX number shows up as " XXXX XXXX of XXXX ''. I do not speak to them because everyone I have ever talked to has been rude.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-19
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Currently the credit bureau is reporting a XXXX account as an authorize user. I did not request this nor authorize this. Please delete this account from my credit profile. I contacted the credit bureaus and was told it takes 30 days. This account is not mine and again and did not authorize. delete

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 2017-03-22
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
experian has closed out an investigation and improperly verified again a false certification see cfpb XXXX and refuses to investigate this fraud.

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 2017-03-28
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: WA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
Onemain Financial XXXX, WA XXXX ( XXXX ) XXXX My Husband and I have a loan through this company that we have been paying on since XXXX 2015. Onemain is reporting that we own nothing on our credit report that the loan was paid in full but we are still paying our monthly payment towards this loan. We are working with XXXX Through The Housing resource center which is HUD Certified and we tried to get onemain financial to printout our payment history from the time our loan was originated and they said they were unable to do that because they got a new computer system. Then a few weeks later we received a copy of our payment history when we went into the office and you can not even read the payment history printout that they gave us. They told us that is the only printout that they could give us. I am worried that we are making payments towards our loan and its not even being reported to the credit bureau. I would like to have this company investigated if possible to make sure they are complying with the Fair debt collection practice act.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Transunion continues to report inaccurate fraudulent information on my report. XXXX account # XXXX is not my account.

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 2017-01-09
Company: Linebarger Goggan Blair & Sampson LLP
State: NM
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I was sent a letter requesting payment for tolls incurred by a XXXX registered vehicle in XXXX in XXXX. I have been a XXXX resident since XXXX XXXX and have not owned a vehicle registered in Florida since them. The request letter came from a big law firm located in XXXX and XXXX ( Linebarger Goggan Blair & Sampson LLP ). It disturbs me that they can send out debt collection letters to people without having to verify any information. In the meantime it has cost me considerable time and mailing costs to respond to their request. I read of similar complaints on XXXX ( people who lived in other states, some that do not even drive ). I did verify that the state turned over the debts to this law firm. Disappointing to see a law firm not verifying ownership before sending out their letters requesting payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-17
Company: Ditech Financial LLC
State: OH
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
I had a short loan from Green Tree XXXX now Ditech Financials. I was getting monthly statement from them since XX/XX/XXXX till XX/XX/XXXX that stated that I do n't owe them any money ( Principal or Interest ) to them till XX/XX/XXXX as I overpaid in XX/XX/XXXX. I can send proof of Statements. Statement says no Principal & No Interest till XX/XX/XXXX. 
In XX/XX/XXXX as I was going to be charged Interest again I paid out $ XXXX balance and was waiting for their closing statement, when they told me I still owe them {$4200.00} as I had not paid any principal in last two years. My loan was interest only loan.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-14
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
The National Credit Systems contacted me about a month ago and suggested that I settle with the XXXX. I explained to the representative, that due to our medical bills and health issues I did not owe the complex {$2000.00}, XXXX XXXX explained that they were willing to settle for {$1500.00}. I explained to the representative that this was too much and that the complex should be paying me and my husband for the medical expenses that were accumulated while residing in that molded apartment. At the time I offered {$1000.00} to prevent my credit from being affected but this company would not help me. As a result, the National Credit Systems is destroying my credit.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I took out private student Sallie Mae loans to cover living expenses while I went to XXXX school for two years. My tuition was covered by federal loans. 
From the very first day of repayment, six months after graduating, I was not offered a payment that I could financially manage. I was only offered deferments and forbearances over and over and over. My loan started at {$60000.00} and has now reached nearly {$200000.00}. I have paid XXXX XXXX on the loans. Navient now holds my loans. In the early early years of dealing with representatives they were very cruel and only suggested to me that I ask a rich uncle to give me money or another option would be death or a terminal illness. The mental health burden of Sallie Mae is soul crushing.

I have been in repayment, deferments and forbearance periods on an off for the last 15 years. During this time, my husband and I had had to file for a XXXX  XXXX bankruptcy due to him losing his job for the local coal company. We had to do that in order for us to keep our home. I was told at that time that no student loans were not dischargeable in bankruptcy. We successfully finished out bankruptcy after 5 years. 
All of these years later, I am finding out they are dischargeable and I need help. I have XXXX  kids that will be graduating from high school and I don't want them to have to go through what I have.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-21
Company: Remitly, Inc.
State: KS
Product: Money transfers
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
I have Initiated money transfer of {$2900.00} from XXXX to XXXX through Remitly ( Transfer No : XXXX XXXX XXXX XXXX ) on XXXX XXXX 2016. Remitly has promised that the money should be available in XXXX Bank account by XXXX XXXX, 2016 XXXX XXXX XXXX ( XXXX XXXX, 2016 XXXX XXXX IST ). The said time has passed. Remitly is saying delay due to some system issue. Now Remitly is saying that the money will be available by Tuesday XXXX XXXX which will be too late.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-12
Company: RGS Financial, Inc.
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
they have refused to contact me on XXXX occasions last attempt was XXXX. they are reporting a debt i do not owe, they are know for doing this, they are all over the internet ripoff reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-06
Company: Shellpoint Partners, LLC
State: NC
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
We 've been making regular payments to our XXXX mortgage company but the payments have not been applied. They show on our statements as unapplied payments. The statements also show we are past due and this is being reported on our credit. We 've made several attempts to contact the lender, sent an email to their escalation dept but nothing is being done. Meanwhile our credit is being affected and we have close to {$1000.00} credit. How can a company accept payments, not apply them then place a negative report on the consumers credit? We were told by XXXX rep that the ARM was being reviewed but why are we being penalized? Please help us!

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-14
Company: JH Portfolio Debt Equities, LLC
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
On XXXX/XXXX/2016, an unknown Phone # XXXX XXXX called me twice saying : " I have the last XXXX digits of your Social Sec. #, what is your Social Sec. #? '' I said : I do not know who you are! I do NOT give my social Sec. # to NO one! '' OnXX/XX/XXXX, XXXX informed me : " You have an account in collections ... '' Apparently, J H Portfolio Debt Equity claims " You are in debt of {$16000.00}, account openedXX/XX/XXXX '' I do not know J H Portfolio Debt Equity. I do not owe {$16000.00}! XXXX/XXXX/16, I received a letter from XXXX : " Your account # XXXX ... .has an invalid or missing Tax Id # ... Please provide your tax id #. '' I do NOT owe XXXX XXXX any money. I will not provide XXXX XXXX my id #!. These are fraud, scams attempts. My credit scores were lowered with XXXX, and XXXX XXXX credit bureaus. Please 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 2017-03-01
Company: Conn's, Inc.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
company keep calling me about another person debt on my job. They are very rude and want to argue with me when I tell them they have the wrong phone number.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-24
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card
Issue: Other

Complaint:
On XXXX. XXXX I received an authorization from JC Penney 's, XXXX, for a reselection of a new mattress, due to our being found to be defective. This process started in XXXX of XXXX. 

We were to reselect a new mattress, pay for this transaction and receive a refund of our defective mattress after they picked it up. We purchased the new mattress and it was delivered on XXXX XXXX, XXXX. Our defective mattress was picked up at the same time. 

The original purchased occurred on XXXX XXXX, XXXX and was placed on a JCP credit account I opened on that day. During the reselect, I informed JCP that I had closed my account in XXXX and was told they would send a check once they issued the credit and discovered I no longer had an account. JCP issued a credit to the original account, now handled by Synchrony Financial , Bank, previously GE Financial. The original account was closed by GE in XXXX XXXX, due to some sort of fraud, at which time they issued a new account. I paid off this account and asked for it to be closed on XXXX XXXX, XXXX. 

I have spent hours talking with representatives and supervisors at both JCP and Synchrony Financial, who confirmed that JCP issued me a refund of {$2600.00}, on XXXX XXXX. This credit went to the original account, which had been closed due to fraud because that is where the purchase originated. On XXXX XXXX, XXXX, I spent almost two hours speaking to four different people including two supervisors, one in fraud and one in credit, at Synchrony Financial. The money is still sitting in the original account and they refuse to release it to me. I have provided all info they requested and yet they tell me they are still trying to figure it out. 

The original reselect email sent by JCP states, " Once the defective merchandise is checked into our warehouse your credit process begins. It usually takes approximately 3-5 business days to post to your account.

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 2015-05-18
Company: SYNCHRONY FINANCIAL
State: TX
Product: Bank account or service
Sub-product: (CD) Certificate of deposit
Issue: Account opening, closing, or management

Complaint:
Since the government has now changed the rules regarding transfers of IRA 's from XXXX financial institution to another in deference and accommodation to the banks, it has become much more cumbersome and time consuming to accomplish this task. It has taken two months to get {$87000.00} from XXXX XXXX to Synchrony Bank. It was only my irate phone call to Synchrony this morning that the money was miraculously " found ''. When we were allowed to pick up the check from XXXX institution and deliver it to another, things always went smoothly. THE NEW SYSTEM IS NOT WORKING AND IS DESIGNED SO THE FINANCIAL INSTITUTIONS CAN LOSE YOUR MONEY FOR A MONTH AND A HALF AND THERE IS ABSOLUTELY NO ONE YOU CAN SPEAK TO THAT CAN GIVE YOU DEFINITIVE ANSWERS ON ANYTHING, UNLESS YOU WERE WILL TO SUBMIT TO THEIR EXCESSIVE FEES FOR ELECTRONIC TRANSFERS. PLEASE HELP CHANGE THIS SYSTEM BACK TO THE WAY IT WAS!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-30
Company: National Credit Systems,Inc.
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I contacted National Credit Systems to verify a debt. They have not given me any information on this debt. While I did stay at XXXX XXXX XXXX, under MO law the landlord has 30 days to send you an itemize report of deductions and damages ( Missouri Annotated Statutes XXXX ). This was not done and the credit agency can not furnish any information in regards to the damages and cost.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05
Company: TrueAccord Corp.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Previous complaint filed against this company. Received new email from different email address today for same debt not ours. Refer to oiginal complaint # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-20
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: Their investigation did not fix an error on your report

Complaint:
The credit reporting agency failed to provide verification for accounts that are on my credit report that are not mine.

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 2017-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
Companies doing hard inquires days with each other. Causing  XXXX  or more hard inquires to hit my  credit score f or  XXXX  company.

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 2020-08-19
Company: ARS National Services, 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:
sending me bogus letters about a debt that I do not owe XXXX XXXX XXXX XXXX XXXX XXXX  ars national services inc

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-27
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
I am so sick of being a victim of the incompetent gap customer service and fraudulent departments! I called into gap 2 months ago when my account was locked online and was then told that my account had a fraudulent charge and my card was cancelled and sent a new one. They never even notified me and I had no access to any of my old statements because they were all online. I had to go on vacation so I had to make sure that I paid all I owed so I was n't charged a late fee. I spend nearly 6 hours on the phone that week with GAP online purchase department and went line by line of all my orders and credits over the phone and made sure I paid the exact balance minus the fraudulent charges. I just logged into my account online today with the new card only to find that they never even submitted my fraudulent charge for investigation, charged me late fees for 2 months on my fraudulent charge. I do n't see any of the statements or activities for the old credit card even though they told me it would be transferred and I would have access to this information. Both customer service and fraud department tells me I will have to wait another 60 days, they do n't remove the balance from the card, so it looks like I do n't pay my bills and they will keep charging me late fees. I told them that I do not owe them a cent and I paid off everything but the fraudulent charge, and I asked them if they are reporting me as not paying my bills and ruining my credit as a result of this, and of course they do n't know and simply told me that I have to wait 60 days. Gap credit is the most incompetent credit card I have ever experienced, and it feels like there is nothing I can do. If they XXXX my credit I will sue. Not to mention they have wasted at least {$500.00} worth of my time and stress and grief over this. I am furious!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-12-05
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I applied for a loan with Cardinal Financial. I was contacted by the loan officer XXXX XXXX who told me based on everything I was telling him and the documentation I provided him he was able to do the loan. I provided my paystubs and XXXX the day he requested them. He told me I was approved and collected {$450.00} for an appraisal. It was two weeks after the appraisal and XXXX stopped returning my phone calls or responding to emails. Finally in a text message he told me I have been declined for the loan. That was the last time he replied or responded to any attempt I made to contact him. 

I feel he misrepresented the likelihood of being able to refinance my mortgage or does n't have enough experience with the guidelines to know if he can do a loan. I was told I was declined due to debt to income problems, but all my income was provided to him as soon as I applied for the loan on day XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation