BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-08-10
Company: Rocket Mortgage, LLC
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Settlement process and costs

Complaint:
I came to XXXX to see my options for getting my mortgage payment decreased. They recommended Quicken Loans. I submitted my info through XXXX XXXX for Quicken Loans. After a few phone calls of no QL ca n't help you and then 1 yes, QL can help, I decided to listen to my options. I was told if I refinance my mortgage my mortgage insurance would not be included, my rate would go up, but the monthly payment would decrease ( because of the MIP ). I was told this several times by this same associate. At closing he assured me within a 6month time frame the mortgage insurance premium would fall off and I would see even more drop in my monthly payment. A year later I 'm fighting with QL because of what I was told. They are not holding up to what I was told. The calls are being recorded for " quality and training purposes '', however when I wrote a formal letter to their corporate office, I was told none of the calls could be found. They told me what I signed for ( saying my FHA loan has to have MIP for 30 yrs or until I refinance ), and told me I could refinance to have the MIP removed. I advised QL this is exactly what I was told when I switched from my previous lender to quicken loans. I DO NOT recommend quicken loans, their employees get paid to say whatever they need, to meet some kinda quota. QL are not XXXX or XXXX XXXX so no gov't agencies will assist with complaints or anything. I now have a higher interest rate and pay the same amount I paid with past lender. I lost my job, needed help with smaller payment and QL is doing nothing. I have n't missed a payment, I just wish I could find another lender.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-18
Company: BB&T CORPORATION
State: NC
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
On XXXX XXXX, 2016 I enlisted the help of XXXX XXXX XXXX to help me get out of debt. I have a loan with BB & T that was at the time {$2300.00}. The proposal was that BB & T drop my interest rate to 5 % and my payments to be {$50.00} a month. Since XX/XX/XXXX, BB & T has taken my payments claimed numerous times that they have never gotten the proposal. I 've also been charged late fees and finance charges even though they 've been paid in full and on time. I 've been trying for months now to get BB & T to work with me, but all they will tell my third party company is that they are n't receiving any notification from either party which is absurd. According to my third party company, my loan amount should reflect {$2200.00}. It does not. With all the charges the loan is {$2200.00}. I rather BB & T reject my offer than play dumb and claim no one has heard anything about the issue. Since XX/XX/XXXX I 've been charge a {$10.00} late fee 3 times and a finance charge of {$32.00}, {$37.00}, {$32.00}, {$34.00}, and {$36.00}. How can they expect me to pay off my loan if I keep being wrongfully charged and ignored? I 'm paying them and yet they want to send me to collections, wo n't stop calling me daily to the point I 've had to block the number. Meanwhile my credit score is plummeting.

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 2016-05-26
Company: BB&T CORPORATION
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
BB & T has been charging me excessive overdraft fees since I opened my account. Recently, I had XXXX item overdraft from XXXX for {$75.00}, and I was charged XXXX consecutive overdraft fees the day of and XXXX additional overdraft fee they next day. When I called to ask why and for the extra fees removed, they gave me some ambiguous explanation and banking jargon as to why they charged it. I had money for all my other pending transactions, but they structured it in a way to charge me maximum overdrafts. I am very upset, and this is not the first time they have done this 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 2016-10-25
Company: BB&T CORPORATION
State: PA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I paid off a LOC balance with BB & T XX/XX/2016. However, the bank made a serious error in calculating the correct payoff and did not close the LOC account as instructed. That triggered a series of issues with my checking account ; additional interest ; late fees ; harassing phone calls from various BB & T employees ; NSF fees ; and countless hours on my part to clear up the issue including writing a formal complaint to Chairman and CEO XXXX XXXX. BB & T admitted the errors in writing ( XXXX XXXX Complaint Resolution Group -XX/XX/2016 ). They also assured me in writing there would be no derogatory marks submitted to the credit agencies. Last week, I noticed my XXXX score went from XXXX to XXXX with the only credit factor being BB & T reporting a negative Payment History XX/XX/2016 on my LOC that was supposed to be closed! When I contacted BB & T 's complaint resolution group they admitted -in writing -that the initial resolution was not done properly and XXXX quote XXXX " ... we failed to update coding on our system to state the XX/XX/2016 bill was satisfied and to close the loan. '' They admitted to submitting a bad file to XXXX and then said it would take up to 60 days to correct my credit score. I asked them to escalate the resolution with XXXX and this was their response : " I spoke to our Credit Dispute department who is submitting the request to XXXX as bank error today. Again, as we have no control over when XXXX will do their processing, I recommend you contact them beginning tomorrow. XXXX can be reached at XXXX. '' They made XXXX significant mistakes ( XX/XX/XXXX and XX/XX/XXXX ) and then said I had to get personally involved to resolve the problem with the credit bureau that their company created. This is horrible customer service and a totally unacceptable response from my perspective. BB & T 's errors and lack of adequate Quality Assurance/Quality Control ( QA/QC ) processes to prevent such errors has caused severe personal harm to me since I 'm currently looking for a new home and plan to apply for a mortgage. I would expect a senior level XXXX at BB & T would work directly with XXXX ( and any other credit agency who might receive the bad file ) to resolve the error faster than 60 days. My complaint : BB & T has damaged my credit score ; admitted they made numerous mistakes ; and then told me it 's my problem -- not theirs. Their errors and mistakes have placed me in a position where I will need to stop my search for a new home because of a low credit score. That is simply wrong.

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 2022-06-09
Company: Paramount Capital Group, Inc.
State: TX
Product: Student loan
Sub-product: Private student loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In XX/XX/2021, I received an Emergency Grant ( Covid19Grant ) from the government in the amount of {$240.00}. I directed that that grant be paid directly to Paramount Capital ( the student loan group through which I had my loan. ) The grant was paid out directly to Paramount Capital. They confirmed receipt of those funds. They applied those funds to my loan, but then proceeded to report to the Credit Reporting Agencies that I paid late in XX/XX/2021 and XX/XX/2021 ( even though the amount of the grant exceeded the amounts due for those months in total. ) Additionally, I made a payment in XXXX for the amount due that month, and I made a XXXX payment in XXXX to cover my amount due for XXXX. Paramount Capital did not apply the XXXX payment from XXXX to the amount due for XXXX. 

I have contacted Paramount Capital on numerous occasions ( at least five times ) to try to resolve the issue of them erroneously reporting me to the Credit Bureaus for late payment. They have refused to remove these late payment reports. This is adversely affecting my ability to obtain a VA Mortgage Loan, which I am entitled to for serving my country. 

I am reaching out to you for your assistance as they have been completely impossible to work with.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21
Company: Paramount Recovery Systems, L.P.
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:
On XX/XX/2021 XXXX XXXX  add a derogatory mark in my credit report at XXXX XXXX upon further research this account was transferred/ hold and I am not longer responsible for the account, debitors credit did not verify this collection. Also there's was not written form of communication contract or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mine. According to the fcra Portfolio recovery has violate my rights as a consumer and I'm requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
XXXX has removed two falsely reported late payments that are still showing up on my XXXX and Transunion reports, despite many attempts to correct the issue. Please see attached documentation.

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 2016-02-15
Company: SELECT PORTFOLIO SERVICING, INC.
State: DC
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
In 2006 my husband and I got scam in the sub prime loan scam the mortgage then was held by XXXX XXXX at the time I have been in this fight since 2006 trying to save my home, my husband was a veteran who bought this home as a fixer upper with his Gi loan he is now decease. They say that my home is up side down I have cased in all of my retirement fund trying to save my home the mortgage was at one point {$3000.00} dollars a month. I have been in this fight since 2006 Iam now with Sps servicing since last year it 's seems like they are not trying to help me get a modification me and my daughter and son have sent in every documents that has been required to be sent to them they come back to say that they do n't have all the information I have faxed I have sent it overnight that cost me money that I do n't always have Iam XXXX years old all the money that I ever had in my life is in my home. Iam now living on XXXX income I have worked XXXX jobs all my life me and my husband. All Iam asking for help and to be in the modification programs the mortgage is to. High. to keep and save my home. Thank any help would be appreciated

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-15
Company: SELECT PORTFOLIO SERVICING, INC.
State: OK
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
OK we purchased our home in 2007 here in XXXX Oklahoma, he put down ex amount of dollars then financed for 30 years, they had us on a variable interest rate instead of a fixed rate like we wanted. We started getting harassed by the loan company about our payments etc. they never have had our balances right yet, no matter what we did the company would claim that we were behind on payment being deceptive then if we send large amounts of money then we would go back too normal payments. There was times we sent thousands of dollars or even hundreds. Then we would still get XXXX over and never get the same amount due each month. We have never had the same amount due each month so therefore we could not budget our self cause the loan company was so crooked. They would claim that we could send a fax for a renew of lower interest then they would claim that they never got the packet. We then were sold too XXXX and they did the same thing but worse, then it went too XXXX XXXX XXXX. We have been taken advantage of greatly, no matter what we do or what limb we go out on they pretend too play the same ol game. I feel that we are owed a refund of damages and stress related issues they have put upon us. Then they send a threating letter too do legal actions on the house were does this dishonesty stop? Then we have SPS whom sent a threating letter saying we better pay XXXX dollars plus attorney fees, now this law firm is not in the crooked scam too deceit us. All the money has went too interest ever since 2007 and none applied too principle. I even had id theft years ago and the sheriff here did nothing about it, now I have trouble with interest and loans that I get cheated out of. I wish for a settlement and these scams stop.!!!! I can not afford an attorney If I did Id like too sue the them for punitive damages and stress related problems we have had not too mention phone harassment for wrong balances etc. We have changed our home phone several times and XXXX XXXX XXXX must be selling or providing our home unlisted no. where is the legal issue here?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: EQUIFAX, INC.
State: KY
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:
Hello, I have recently noticed fraudulent activity on my credit reports. What I have found ( XXXX XX/XX/XXXX ; EQUIFAX XX/XX/XXXX ; EQUIFAX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX  XXXX  XX/XX/XXXX, EQUIFAX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; EQUIFAX XXXX XX/XX/XXXX ; XXXX  XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; EQUIFAX XXXX XX/XX/XXXX ; XXXX  XXXX  XX/XX/XXXX ; EQUIFAX XXXX XX/XX/XXXX ) has led me to believe I am a victim of identity theft, as I did not approve any info to be used in my name.. I am requesting that these fraudulent items be deleted from my credit report at your earliest convenience. I actually have a security freeze on my accounts which should have alerted me prior to my credit being ran. I did not receive any alert to my credit being ran for these accounts which is concerning. These fraudulent items are reporting inaccuracies which is directly impacting my relationships with creditors as I am going through the home buying process. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-23
Company: SELECT PORTFOLIO SERVICING, INC.
State: CO
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
For over a year I have been attempting to get my mortgage lender to work with me on a modification of my loan. I am seriously under water on the loan and have repeatedly asked for help in determining how that might be corrected with a modification. Rather than continuing to throw more good money after bad I stopped making payments. This caused the lender to change course of the conversation and processing to a foreclosure, which is pending. I have received an offer to " modify '' the loan but it requires that I continue to make payments through a trial period of 3 months before they will finalize the process of defining the terms of the loan. There is no indication the loan will be reduced to reflect what the actual value of the property to be which is {$130000.00} less than the loan I am expected/projected to have modified. Aside from this, there are erroneous declarations on the documentation that do not reflect the actual circumstances. There 's is never anyone to actually discuss this with since it 's always a phone bank of minions who all have the same script. I can not get through to a real decision-maker even with the help of my attorney. The problem is not that I ca n't afford to make the payments. The problem is why I should continue to do so when I know I have negative equity. 
I applied for this modifictation by declaring in clear and concise terms that my wife is handicapped and I would have a difficult time finding a comparable home where I could take care of her. She is cognitively impaired due to a brain aneurysm. Not only do they ignore that appeal, I continue to receive documentation for her to sign. They have a copy of her power of attorney as well as medical documentation showing her handicap. It 's like the balance of this situation - the lender simply is moving toward a foreclosure without any consideration of the actual matters that brought us to this point. My question is : How do I get this problem addressed with the lender? We 're at 20 months since the process started and I am no closer to having an answer. For the record, the lender is Select Portfolio Servicing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-20
Company: SELECT PORTFOLIO SERVICING, INC.
State: MA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Here is the records from XXXX XXXX Note Date:XX/XX/XXXX2006 XXXX XXXX XXXX, XXXX. 
XXXX XXXX, CA XXXX Note Date:XX/XX/XXXX2006 Select Portfolio Servicing , Inc . 
XXXX XXXX XXXX, UT Apparently Select Portfolio Servicing , Inc. transferred a monetary instrument belonging to me to another institution on XXXX/XXXX/2006. However, after this date Select Portfolio Servicing, Inc. continued to demand payments from XXXX XXXX. This sure sounds and looks like fraud. 

How is this possible? What can Select Portfolio Servicing XXXX Inc. say to explain this fraud?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-21
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
equifaxXXXX XXXXstatus showing collection/charge off ( should be unknown ) remarks shows charged off account ( should be closed / included in chapter XXXX ) chapter XXXX was filed on this account on XX/XX/2015

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-16
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
EQUIFAX fails to remove the XXXX account. EQUIFAX reports that this account was TRANSFER/SOLD. EQUIFAX reports incorrectly this account 's Date of First Delinquency is different from the Date of First Delinquency from the other CRA 's for removal. EQUIFAX continues to report inaccurate information on my credit file which lowers my credit score. This causes me the inability to obtain credit and lowers my standards of living and causes me to languish and suffer.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-22
Company: EQUIFAX, INC.
State: MN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I 've disputed credit line entries on XXXX, XXXX, and Equifax credit reports. Many credit report line entries have been adjudicated by CFPB including robo-signing by major national bank credit card accounts such as XXXX, XXXX, XXXX XXXX XXXX plus more. 
Additionally, these fraudulent credit card accounts are resold to predatory debt collectors - adjudicated by CFPB already. Many debt accounts are XXXX or XXXX debt placements and many exceed MN Statute of Limitations for debt collectors. I require CFPB assistance?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-02
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
my credit report is so absurdly wrong and the credit co 's do n't care Ive tried to straighten them out I get inquiries from my corporation onto my personal credit report and they wont remove them I 'm a XXXX and work for a co on my free time trying to raise money for my grandchildrens education and they think I own these corporations when it is in trust for my children. everytime I try to borrow money for the corporation they want to use my name I cant do that. they do n't understand but they put it on, my record anyway I want all this stuff removed please

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-18
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Equifax is showing a federal tax lien on my credit report. The IRS has withdrawn this tax lien, and properly filed the withdrawal with the XXXX Clerk of Courts. 
I mailed a dispute to Equifax on XXXX/XXXX/2016 with an original certified copy of the Withdrawal of Filed Notice of Federal Tax Lien and that dispute was completely ignored. Then on XXXX/XXXX/2016 I submitted another dispute online and Equifax responded on XXXX/XXXX/2016 that " this public record item is reporting correctly, '' which is not accurate. 

A withdrawn lien means it is as the lien never happened ( similar to a vacated judgment or dismissal ). Equifax should have deleted the lien from my credit report. XXXX, XXXX, and XXXX have all properly investigated this tax lien, and deleted it from my reports. Equifax is the only consumer reporting agency that has failed to properly investigate and delete this inaccurate tax lien.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-13
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
I have contacted Equifax several times regarding my personal information. I have asked several representatives to update my mailing address as well as my name on my report. I went through the report and they assured me my information would be updated. Even I received my new credit report, the names and addresses I asked to be removed were still showing.

Company response to consumer: Closed with non-monetary relief