BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-10-09
Company: Rocket Mortgage, LLC
State: VA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I am currently paying Mortgage Insurance to Quicken Loans of {$120.00} and have been paying this for four years. I have heard that the Mortgage insurance should drop in 2017, then I was told by Quicken Loans it should drop in one or two years, and then most recently I was told by Quicken Loans it would be 11 years : ( and would I like to refinance with a different type of loan to get rid of it. I would like to know when this money will no longer be charged. It would help us tremendously to get this payment lowered. I do n't like the run around I get every time I call Quicken, they are always wanting us to apply for a different type of loan or to refinance our loan. I would like without a doubt an answer as to when the {$120.00} Mortgage Insurance Payment will drop off our monthly house bill. Thank you for your time in looking into this for us. Sincerely, XXXX XXXX. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
Yamaha credit/Capital one is reporting on my credit report in XXXX categories. Meaning it shows as a auto loan, however because it 's a revolving account it is effecting my my usage under credit card. This account to can be used only for auto purchases and not every day purchase like gas and grocery etc. I should not be penalized in the credit card when it 's an actual auto loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit card
Issue: Billing disputes

Complaint:
1 ) Applied for a Capital One credit card online. 
2 ) Received a notice by mail requesting that I call them with additional information. 
3 ) Called them with additional information and was told a card account had been approved. 
4 ) Received Card. 
5 ) Attempted to enroll card online so I could see statements, etc. Blocked from doing so. Advised to call them again. 
6 ) Called them again. Forwarded to a " Fraud Supervisor '. Asked many intrusive questions. Wasted nearly half an hour. Advised that card had been successfully activated. 
7 ) Received two letters stating that they thought account was opened fraudulently. Ignored letters because I believed the matter had been resolved during the excessively long phone call. 
8 ) Used card several times. 
9 ) Card stopped working. 
10 ) Today, XXXX, became concerned that first payment may be due, but have not received a statement yet. Attempted to enroll card online again to see statement. BLOCKED. Advised to call. 
11 ) Called. " Fraud Supervisor '' wasted about 8 minutes of my time jerking me around. I advised her that I would cancel the account if the problem was not resolved in the next couple minutes. She asked for my cell #, which I absolutely will not provide to an entity that shares/sells my personal information, as they do. 
12 ) Became frustrated and cancelled my card. 
I HAVE NOT RECEIVED A STATEMENT and I am concerned that this account will become delinquent because of Capital One 's actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
On XX/XX/2022, I was declined for a loan due to inaccurate information in my TransUnion credit bureau. In addition to reporting my FICO score as XXXX, the reasons for decline indicate no revolving accounts, not enough balance decreases on non-mortgage accounts, too few payments over 3 months, and no real estate-secured loans. This follows my prior complaint to XXXX where inexplicably my credit bureau information with them was basically erased, and my XXXX score declined from XXXX, in about XX/XX/2022. I have credit card trades spanning 25+ years, mortgages, clean payment history on all, etc., and this compares with XXXX showing my score at XXXX. 

I have complained to XXXX about this inaccurate information before, several times, without ANYTHING approaching an investigation or reasonable explanation. XXXX has apparently refused to investigate the INVALID source of information which caused my bureau to change so dramatically, nor process by which the change occurred, such that I can not dispute that effectively. All I have received from XXXX is a form letter providing me the ability to request bureau information if I provide documentation of identity. This is clearly not the nature of my dispute and evidences XXXX XXXX  complete lack of willingness to read and understand the nature of my dispute. 

XXXX XXXX action has now caused me financial harm and I am considering additional remediative measures.

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 2015-10-27
Company: National Home Buyer’s Alliance
State: TX
Product: Mortgage
Sub-product: Other mortgage
Issue: Settlement process and costs

Complaint:
NHBA took XXXX from me, promised to clean credit, get in a first home buying situation. NHBA have had # K of my hard earned money without anything in return for my money. I received a FHA approval letter up to!! ) K and Conventional up to XXXX but No one in the city where I reside can do anything I must work with a staff person in another state inconvienously so. She has requested many documents every years. I send them she. Half heartedly sent some credit items to pay off then made a thin excuse for not sending anymore. This transaction happened in XX/XX/XXXX .I am soon to turn XXXX in XX/XX/XXXX without a home as of yet. I guess she thought I would go away or die by now but I 'm yet alive and yet working to hold my income higher by yet in the full time employment stag of life.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: SYNCHRONY FINANCIAL
State: NJ
Product: Credit card
Issue: Billing disputes

Complaint:
I was shocked when I reviewed my credit report and found late payment on the dates below : 60 days past due as of XXXX 2015 30 days past due as of XXXX 2015 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get 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 2022-04-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DE
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I over-paid because of BOA Maintenace on their credit card system. I over- paid {$1100.00} approx. I did speak to their customer service more than once. I spoke with XXXX on XX/XX/2020 and he saw all the trouble I have incurred because of BOA and additional late fee 's from XXXX XXXX who makes my payments to my BOA credit card since I'm on auto pay 100 % each month. XXXX told me everything would be cleared up correctly and the over pay would be refunded to my BOA checking account. To date, BOA has cost me service fee 's, late fee 's and now a lot of my time as a consumer. BOA deceptive tacking on keeping my money is harassing and making me loose interest on the funds and acceptability to access my money. credit card ending in XXXX, last 4 digits of SS is 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 2022-04-13
Company: AmeriHome Mortgage Company, LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
The mortgage company delivered false and inaccurate information regarding the status of the mortgage related to foreclosure. Lender denied multiple formal requests to apply for FHA mandated Partial Claim to allow for delinquent amount without any review.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-14
Company: PENNYMAC LOAN SERVICES, LLC.
State: TN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I had a mortgage with XXXX XXXX XXXX as of XXXX XXXX, 2016 now Penny Mac has the loan. I notified XXXX XXXX XXXX that I wanted to pay {$2000.00} on the principle balance of {$3000.00}, I was inform that it could be done even though I was behind two months. After making the payment on XXXX XXXX, 2016, I notified XXXX XXXX XXXX to verify that the payment had been processed properly, the payment was applied to unapplied funds and sent to Penny Mac ; therefore, I called Penny Mac to inform them of the request to apply the funds to the principle and I was told since the principle was {$3000.00} it could be done so after a few days I called Penny Mac to verify that the {$2000.00} payment had been applied properly but it had not so I spoke to a supervisor ( XXXX ) who attempted to get the amount approved but I was denied the opportunity to pay the loan off as early as possible. The loan would be paid off in two to three months rather than seven to eight, Penny Mac distributed the payment the way they wanted without my knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-20
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card
Issue: Other

Complaint:
I recently moved and as a result changed my address on my tjx mastercard through synchrony. Since that time ( 1.5 months ), my card has been frozen along with all access to any information. No representative will tell me what is going on ; however, am being forced to pay my monthly bill without being allowed to know what the charges for the respective statement period are. I was told that I do not have to pay the bill in full and can just make the minimum monthly payment. They refuse to tell me what is going on. This is extortion

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 2016-07-12
Company: BlueChip Financial
State: MI
Product: Payday loan
Issue: Received a loan I didn't apply for

Complaint:
I have been receiving phone calls from a payday loan that I do not recall taking out. They say it was drawn from SpotLoan in the amount of {$800.00}, and was given to me on XXXX 2013. They claim I never made one single payment with would not be the case if I had taken out a loan. Im confused because I have n't heard a thing until the last few days. I called SpotLoan and the representative could not even tell me what account it was deposited to. Its been sold to a third party collection whom has been extremely unprofessional ( XXXX ). I keep receiving calls threatening me. I work for XXXX and they went as far as to call my job ( XXXX XXXX ) department to report the debt. On top of the calls from the agency I get calls saying their is a civil complaint against me and garnishment will be sent to my employer. Seems suspicious in nature and high pressure collections. I also told the agency that I would have to look into this claim and she said NO EXCUSES!! I do n't want to hear them. She also wanted me to report my bank info so they could make payment arrangements. I do n't even know this persons name, it was not provided to me. I refuse to be intimidated and harassed in this manner.

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 2020-03-30
Company: EQUIFAX, 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: Account information incorrect

Complaint:
This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. DEROGATORY ACCUSATIONS INCLUDING ALLEGED INQUIRIES MUST BE METRO 2 COMPLIANT TO RETAIN OR REPORT SO DELETE ANY NOT PHYSICALLY WITH PROOF OF PERMISSIBLE PURPOSE FROM THE EXACTLY AND LEGALLY IDENTIFIED ME.I DO NOT AUTHORIZE YOU TO REPORT NOT PROVEN COMPLIANT INFORMATION AND YOU MUST COMPLY. 


I respectfully request your prompt attention on the following inaccurate information on my credit report. For your convenience, the disputed items are listed below. The following item is inaccurate and negatively affecting my credit. Please reinvestigate this matter and delete and/or correct the disputed item. I respectfully request that you provide me with proof of the disputed item, specifically any contract, note, court documents or any instrument bearing my signature. Failing that, this item must be deleted. In addition, there are a number of credit accounts that have been inactive for more than seven years. As you know, the FCRA states that all credit older than seven years should be removed from my report. Therefore, the following accounts should be removed : Creditor : XXXX XXXX Account : XXXX Creditor : XXXX Account : XXXX Creditor XXXX XXXX   Account : XXXX Creditor : XXXX XXXX Account : XXXX XXXX XXXX XXXX Account : XXXX Creditor : XXXX XXXX XXXX  - Account : XXXX Creditor : XXXX   Account : XXXX Creditor : XXXX   Account : XXXX Creditor : XXXX Account : XXXX Creditor : XXXX- Account : XXXX Creditor : XXXX XXXX Account : XXXX Creditor : XXXX XXXX Account XXXX XXXX Creditor : XXXX XXXX XXXX Account XXXX XXXX Creditor : XXXX XXXX XXXX Account : XXXX Creditor : XXXX XXXX Account : XXXX Creditor XXXX XXXX XXXX Account : XXXX Creditor : XXXX   Account : XXXX Creditor : XXXX XXXX Account : XXXX Creditor XXXX XXXX Account : XXXX Creditor : S XXXX   Account XXXX XXXX Creditor : XXXX XXXX XXXX Account XXXX XXXX Creditor : XXXX  Account : XXXX This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay this creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-15
Company: SYNCHRONY FINANCIAL
State: KS
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
After repeatedly attempts of me telling them no. I ca n't make out start a payment today, I got transferred to the manager on duty. Right of the bat she spoke to me as an inferior. She would ask questions while taking but not stopping to give me a chance to answer. When she did stop I would start to answer the first party of get questions then she would start back up and start taking over me talking. I asked her to let me answer and she would just keep talking over me and not let me get one word in. I was getting really frustrated. I mentioned I was thinking about filling bankruptcy, she accused me of lying and she said she sees no record of me following filling XXXX, as I try to explain that I have n't filled, she starts again talking over me. I then had to start talking over her so that she could understand what I am going through. She stopped talking and told me that she can tell by the way I am on the phone why I am the type of person that is in collections, and owe purple money. I told her she insulted me. She did n't offer an apology, I asked her at least 4 times to not contact me and that I ca n't pay at this time. She then just hung up on me!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-23
Company: Midwest Recovery Systems
State: IL
Product: Payday loan
Issue: Can't contact lender

Complaint:
I never applied for a payday loan through this XXXX XXXX XXXX, they 're scammers. They have all of my information old checking account number my social security number. I just learned Today XXXX/XXXX/16 they have put this on my credit report as a collection for the amount of {$640.00} and this Midwest recovery is on my report. I called the XXXX XXXX number and they told me that I can settle this matter for {$300.00}. I do n't owe this never got a payday loan from this group and want this off of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-12
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
On XX/XX/2016. I started an application for a mortgage with Cardinal Financial Company , LP dba Sebonic Financial. I was charged XXXX dollars to order an appraisal on the property I was buying. On XX/XX/XXXX, before the appraiser was even ordered by Cardinal Financial. I changed my mind about working with Cardinal Financial, and asked them to cancel my appraisal, and reverse my charges. 

On XX/XX/XXXX I received an email from XXXX XXXX, the loan originator I was working with at Sebonic. 
He wrote ; " Not ignoring this request, I 'm just waiting on confirmation that your appraisal refund has been processed and will follow back up with you. Hopefully, everything is going well for you '' We 've been going back and forth. Him telling me the refund was being processed, and I saying that I have not received it. As of today XX/XX/2016. I have yet to receive a refund from Sebonic Financial.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-02
Company: CITIZENS FINANCIAL GROUP, INC.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
On XX/XX/2019, I initiated a transfer via XXXX from my Citizen 's bank account in the amount of {$610.00} to my XXXX  XXXX XXXX Checking account. I received confirmation that the amount was sent and I accessed my XXXX  account a few minutes later when I didn't receive a confirmation email from either bank. The funds were not in my XXXX  account so I checked my Citizen 's bank account again and on the activity page it showed that the payment failed. The funds were not back in my account. I contacted Citizens Bank  concerning the matter and they advised me that XXXX denied the funds and when they receive them back they will credit it back to my account. Since then I have been sent back and forth between XXXX and Citizens bank to different departments and I still do not have my money back in my account. Each bank blames the other and now I have no funds to go to work or my weekly physical therapy appointment. This has been a nightmare and neither institution seems to care or know where my money is. This is the 1st day that I have missed from this situation and I will not be getting paid for this missed day.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-03
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
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:
I recently tried to write a check and XXXX and another company. My check was denied and I as advised it was because of information reported to XXXX. I called XXXX and they advised JP MORGAN CHASE was reporting information to them. I do not have an account with Chase and have never had an account with them. I call them  and they advise it was my moms account, I explain I was only suppose to be the beneficiary not a cosigner. They advise the account is closed there is nothing they can do, they also state they show no money was owed on the account and the account is closed further they state they don't report to XXXX. I ask for any documentation to provide to XXXX stating I owe them no money and they refuse. My credit is being impacted, my ability to write checks and pay my bills is being impacted and they refuse to provide any information to me so that I can get this problem rectified.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13
Company: FC HoldCo LLC
State: CO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In 2019 I open a car loan with flagship. The care was surrendered to them. This company sold the car for $ XXXX. The loan amount was for $ XXXX. They incorrectly report this account on transunion it says I owe $ XXXX and the loan is closed. On the other two it says open and the balance is $ XXXX. They refuse to update anything regarding this account. I then received a letter in the mail from a collection company stating the balance was $ XXXX. This is a clear violation of my rights

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 2017-01-04
Company: KEYCORP
State: MI
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
Institution KeyBankStudentLoansServicedbyXXXX KeyBankPrivateStudentLoanInterestRateIllegalInterestRate IncreasesXXXXXX/XX/XXXXinterestrate3.92 % XX/XX/XXXXinterestrate 3.94 % XX/XX/XXXXinterestrate4.16 % XX/XX/XXXXinterestrate 4.29 % XXXX INTEREST RATE INCREASES WITHIN 6 MONTHS MY CREDIT REPORTS FROM THE XXXX CREDIT BUREAUS SHOW MYSELF AS PRIMARY BORROW ON MY DAUGHTER 'S NON-FEDERAL STUDENT LOAN AND NOT THE CO-SIGNER

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-30
Company: Experian Information Solutions Inc.
State: ME
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:
I disputed the account for XXXX XXXX, XXXX ( collection agency ) along with the original account owner of XXXX XXXX XXXX  on my XXXX  credit report on XX/XX/2020. They reported that the information was correct and was verified as such, even though it is not. After filing a claim with the XXXX   XXXX  XXXX  I received an email and postal mail response stating that these accounts are not correct and will be removed from my credit reports. However, XXXX  is still reporting both accounts.

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