BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-07-02
Company: Rocket Mortgage, LLC
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
I was denied a fha loan with quicken loans. I believe the reason was descrimination. I meet the income, length of employment, and credit requirements and still was denied. I was told on the phone it was because i didnt make enogh income. Then i received a letter of denial saying it was because of excessive debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-17
Company: BB&T CORPORATION
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
I was approved for mortgage with bbt bank, given closing date of XXXX, then XXXX, now no date.I am given XXXX poor excuse after another.bank has everything but still no date to close causing hardship and stress on me, the seller and related.I am going to be homeless, XXXX is ruined, incurred additional expenses because bbt bank ca n't or wo n't do their job

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
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:
the following accounts are appearing on my credit report without any authorization, please review them, it is hurting me dentity Theft CAP ONE AUTO Account Number : XXXX This is not mine. 

4. Identity Theft XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 
Identity Theft XXXX XXXX Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-10
Company: WELLS FARGO & COMPANY
State: HI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
We received letter dated XXXX/XXXX/16 from Wells Fargo that was very general in nature stating a variance had occurred during closing of our loans. The letter did not say what the cause of the variance was or the amount of variance. Whatever this variance was, Wells Fargo unilaterally decided that the correct course of action was to deposit the amount against our loan principal balance without our input, buy-in, or permission. 

Upon follow up discovered that we were charged {$22.00} twice for a XXXX credit report that was either not done or needed. Please see Wells Fargo email dated XXXX/XXXX/16. Conventional wisdom would suggest that over charges should be refunded directly to the customer. At a minimum the customer should have been consulted and asked how repayment should be handled. It is our opinion that Wells Fargo processes in this instance are unfair, deceptive, if not illegal. 

Request : 1. CFPB investigate if the actions taken by Wells Fargo for the overcharge were appropriate and legal. If found in violation please cite Wells Fargo appropriately. The letter of XX/XX/XXXX could and should have been drafted to be more specific than it was. 

2. We are refunded the {$22.00} dollars immediately. While the XX/XX/XXXX email states we will have the refund, as of writing we have not received it. This coupled with XXXX XXXX XXXX teleconf earlier this week whereas he believed it is allowable for Wells Fargo to credit over charges to mortgage principal ( and that he has seen this before ) makes us believe that we may not get the refund. 

3. That we be provided at {$50.00} customer courtesy credit by Wells Fargo for all the problems and time involved to attempt to remedy what otherwise should have been a simple and seamless refund of monies over collected in error by Wells Fargo.

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 2015-07-29
Company: PHH Mortgage Services Corporation
State: MO
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have been getting the run around on a legal description that is incorrectly filed. The loan number is XXXX and the company is PHH Mortgage. PHH originally told me that since the loan was sold to XXXX that XXXX had to make the correction. Upon further investigation and a complaint filed with the CFPB it was discovered that the correction needs to be made by the original company which is PHH. I contacted PHH and was given an apology and told that since the mistake happened before the loan was sold to XXXX that they would correct it. I submitted a request to PHH on XXXX/XXXX/2015 to the email address provided to me but when I followed up 30 days later I was again told that XXXX is who needs to correct the legal description. I asked for a letter of explanation but was told that it probably would not be provided. The representative I spoke to was very helpful but whomever she had to speak with would not correspond with me.

Company response to consumer: Closed
Consumer complaint received 2021-06-17
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/XXXX I received an alert from Equifax regarding an update to an unverified Student loan account with WFS. I already have an open complaint with them directly and the submitted they needed more time to respond to my complaint. 

As you can see, they had stopped reporting to Equifax and most recently Equifax has reinserted this unverified account to my credit report without fully investigating and verify. They are still investigating per XXXX XXXX letter dated XX/XX/XXXX. On XX/XX/XXXX, with no update its reported inaccurately to all bureaus with inconsistent information. Per FRCA, before reinserting they must notify me via mail their intent to reinsert. I sent a factual dispute to XXXX and XXXX due to me not being liable due to fraud. They were to follow suit with Equifax but Equifax unlawfully entered the information BACK on my report after failure to verify previously. I have attached proof of resinsertation and my file police report and FTC report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
After reviewing my credit profile I noticed several inaccuracies on my profile. Not only is my name wrong but also the addresses on my account. These inaccuracies are aiding in potential identity theft.

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 2021-06-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
In XX/XX/XXXX, an account I had with XXXX XXXX was closed. Despite the account being closed, this account continues to report active delinquencies. In fact, the bureaus have reported continual 120 day late payments every month since the account was closed, and continues to do so. I have contacted the credit bureaus to correct this issue multiple times, but they refuse to take any action.

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 2021-06-17
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have reached out to the bureaus several via mail asking to remove these fraudulent accounts. 
XXXX/XXXX Account # XXXX balance- {$480.00} XXXX/XXXX Account # XXXX balance- {$580.00} XXXX XXXX Account # XXXX balance- {$990.00} XXXX Account # XXXX balance- {$1400.00}

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 2021-06-17
Company: Merchants' Credit Guide Company
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Account Name : MERCHANTS CREDIT GUIDE Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$680.00} Reason : Identity theft Please remove it from my credit report. 

Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Reason : Identity theft Please remove it from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I have spoken with Several representatives spending multiple hours and time trying to get Equifax to accurately report and release my credit history. Equifax has continued to misrepresent me in will not accurately update my account. I have sent in the information that I have confirmation for. Every time I speak with a representative I am told something different. I have been working with Equifax since XXXX to correct this issue and I have asked to speak with Managers or higher up but for whatever reason Equifax 's no longer has a manager to assist the CSR. I was told by the CSR that I needed to speak with him or get nothing. He refused to cancel the online profile to protect my credit as I don't want it because it is not reporting accurate information. Equifax continues to send out letters stating that I am not creditworthy I have no credit score and no credit history, when in fact this is NOT true. However when I log in to myequifax.com its shows am credit score and good credit history, yet the report the total opposite to potential creditors which in turn I'm denied credit. They have admitted that my credit file is has something going on with it I have been told its been corrected but as of today it is not correct and the workers representing Equifax refuse to fix this therefore Equifax is actively and knowing defaming my character by NOT reporting my TRUE and REAL credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-05
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Prepaid card
Sub-product: Gift or merchant card
Issue: Fees

Complaint:
I was sent an American Express rewards credit card with a {$50.00} credit balance issued as a rebate after the purchase I made from an online retailer. 

The initial card was lost in the mail ( I believe issued around XX/XX/XXXX ), and another card was re-issued to me in XXXX 2015 after I filed a claim stating I never received the first card. A {$2.00} monthly maintenance charge was assessed in XXXX and again in XXXX. 

After speaking with customer service, they informed me that the back of their cards states 'Subject to applicable law, a {$2.00} monthly fee will be assessed against the card balance starting 5 months after card issuance. Funds do not expire. " Based upon the original card issuance in XXXX, and regardless of the fact that I never received it, they said they begin assessing fees beginning at the 5 month point and they can not reverse the fees. They also said that they would not be willing to issue another card for the amount of the fees reduced. 

I told them that this is a violation of The Credit Card Act XX/XX/XXXX, as Gift cards are prohibited from charging fees during the first 12 months from the time of purchase, and that I was going to file a complaint with the CFPB. The supervisor I spoke to said he would notate the account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-20
Company: Resurgent Capital Services L.P.
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-27
Company: Block, Inc.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have a direct deposit come in every month in the amout of XXXX from the department of veterans affairs for XXXX compinsation and it was sent out on XXXX XXXX and now cashapp is saying they dont have it. It has been XXXXhree business days and i need to see if yall can help me find my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-25
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: OH
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
I received my income tax in 2010 through XXXX on a card loan through HSBC bank. I purchased a insurance throught XXXX if anything on my taxes were wrong they would cover it. Well HSBC Bank is saying XXXX over payed me XXXX dollars. I told them I had the insurance through XXXX and I contacted XXXX and they told me they will handle the problem. Well HSBC refused to talk to XXXX to get the problem taken care of. I could not get the problem handled without them letting XXXX getting involved so it became at a stand still. XXXX tried to cotact them and they would not discuss the matter with them. HSBC reported to the credit agency they sent us up with payments and we never made payment saying I was late and missed XXXX payments. WE NEVER MADE A PAYMENT AGREEMENT A ANY TIME. I have filed bankruptcy and included HSBC in my bankruptcy since they would not comply with XXXX. They are 5 years after bankruptcy they are still showing on my credit report I missed and was late on XXXX payments. They have no proff I was late or missed any payments. Now this is stopping me from getting a home equilty lone to purchase a home for my family. Pleas HELP Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-18
Company: JPMORGAN CHASE & CO.
State: MA
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
On XXXX, XXXX, 2016 I received a letter dated XXXX XXXX, 2016 from Chase stating that they were closing my account because continuing the relationship would pose a reputational risk to their company. The letter did not give any more information. They stated for more information, I should contact them. I contacted their office on XXXX XXXX as soon as I received the letter and the woman on the phone was not able to give me any information. She stated she could not see why my account was closed. She then wrote an email to corporate to ask them to contact me. She stated they will contact me in 24-48 hours. I am still waiting for the call. I do not understand this decision, since I have between really good and excellent credit. I pay them on time and have not had an issue with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
On XX/XX/21 I withdrew XXXX from my business account and the teller made a huge mistake and withdrew the money from another persons account. They waited a whole week to catch the mistake to call me and tell me they messed up. In the mean time i paid bills and had to pay employees, Because if this mistake I have no money over drew my account and was offered zero help in return. This would not have happened that the money been pulled from the proper account t as I would have seen it was not in there and proceeded appropriately.

They offered zero help or ways to help me even though it was 100 % the banks mistake as I went directly into the building to withdraw.

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 2015-05-29
Company: PHH Mortgage Services Corporation
State: MD
Product: Mortgage
Sub-product: VA mortgage
Issue: Settlement process and costs

Complaint:
I am working on an assumption with PHH Mortgage. It 's quite complicated, there are several different entities involved because it was not being processed properly previously. One of the recurrent problems is that they would not acknowledge that documents were sent to them. And they were not making the requirements known to both parties. On XXXX/XXXX/2015 an inquiry was made and their response was that I had not provided the documents. I corrected them and copied the VA regional office who is the final approval on the loan. I also asked that they make sure that the other party was aware of any requirements that he needed to fulfill. The following day the acknowledge receipt of the dcouments that they had then said that they had sent documents for the other parties signature to me. The documents that they sent me had no signature page for the other party and the instructions did not include sending to him. My instructions were to include a check for the required amount the notarized docs and send back. On XXXX when they said they had not received certain documents, it required a large amount of time and coordination for me to confirm that the documents had been in fact been sent to them. To make a long story short, they are making a relatively simple process very uncomfortable, they are not responsive. It has been the same XXXX individuals the whole process, XXXX XXXX and XXXX XXXX. I 've asked several times to have them removed and have the case handled by someone else and even though their previous assertions were proved wrong, documentation was lost, and the XXXX try was very unsatisfactory. We started again with the same individuals, and got the same result. We do n't have the documents, we told you to get signatures or documents from XXXX XXXX ... ... To get this process going I had to contact an attorney, a congressman and the VA Regional Office. Attached is the document they sent to me, with no dual signature requirement, initials, nothing. They did send out the other document to the other party but without acknowledging that it should have been sent out when mine was. Duplicitous is the best word to describe them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 Reporting act XXXX  Account # XXXX XXXX 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 : I
t also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Reporting act XXXX Account # XXXX XXXX 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 In accordance with the Fair Reporting act XXXX Account # XXXX XXXX XXXX XXXX XXXX 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 In accordance with the Fair Reporting act XXXX Account # XXXX XXXX XXXX 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 In accordance with the Fair Reporting act XXXX Account # XXXX**** XXXX XXXXXXXX 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 In accordance with the Fair Reporting act XXXX Account # XXXX  XXXX  XXXX 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 In accordance with the Fair Reporting act XXXX Account # XXXX XXXX XXXX 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 In accordance with the Fair Reporting act XXXX Account # XXXX XXXX XXXXXXXX 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 2021-06-17
Company: ONLINE Information Services, Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I received a notice in the mail on XX/XX/XXXX from Online Information Services indicating I owed XXXX to XXXX XXXX. I have locked my credit and created an ID theft notice as of XX/XX/XXXX due to the fact many utility accounts were opened in my name in Texas. I have reported at least 5 utility collections in the last 5 months. 

After calling Online Information Services to dispute they indicated I had to enter a complaint with the FTC and send it to XXXX along with a police report. They also indicated they could not provide me any proof of my dispute via mail, email, or a case number. However, they did indicate they would mark it as disputed. They also indicated only XXXX could resolve the collection.

Company response to consumer: Closed with explanation