BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-25
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:
XXXX XXXX agreed to remove all late payments from credit report upon payment of the balance of XXXX on a credit card. Payment was sent to XXXX XXXX in XXXX 2021. XXXX XXXX refuses to update records of payments to reflect no late payments.

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 2016-09-28
Company: SELECT PORTFOLIO SERVICING, INC.
State: MA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
SPS still has yet to respond to my Qualified Written RESPA Request sent via Certified Mail. In their recent response to me via the CFPB they claim that they sent the note and deed of trust. 
The PDF file contains a SECURITY INSTRUMENT signed by XXXX XXXX on XXXX/XXXX/XXXX related to XXXX XXXX XXXX XXXXXXXX XXXX. They lied again. Where is MY monetary instrument. 
Why did SPS attempt to collect payments and pursue foreclosure when XXXX clearly shows that pon XXXX/XXXX/XXXX the note was transferred to XXXX XXXX XXXX? 

XXXX Note XXXX XXXX XXXX XXXX, XXXX. 
XXXX XXXX, XXXX XXXX Note XXXX Select Portfolio Servicing , Inc . 
XXXX XXXX XXXX, XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-29
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
The credit reporting agency will not block the fraudulent addresses and accounts off of my credit report due to fraud. I have disputed these same items over 2 years.

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 2022-08-18
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XXXX XX/XX/2022 I placed a legitimate wire transfer from my US HSBC checking account to a US account for {$40.00} XXXX. HSBC cancelled the wire as they thought it was fraudulent. They attempted to contact me but I was asleep as was on vacation outside of the US on a different time zone. As soon as I woke up and saw the communication from HSBC I called but the wire had already been cancelled. To date XXXX XX/XX/2022 ( XXXX  days later ) the {$40.00} XXXX has not been returned to my account. Numerous chats and calls to HSBC have not resulted in resolution of the problem and I have been unable to pay the person who expected to be paid on XXXX XX/XX/2022 due to lack of funds and have no idea when if ever the funds will be returned to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-05
Company: Rocket Mortgage, LLC
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I had been in talks, both over the phone and through email, with XXXX XXXX from Quicken Loans. XXXX pulled my credit without my permission or without permissible purpose. I spoke with several people in the chain of command and eventually I received an email stating that they did in fact pull my credit without permission or permissible purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-23
Company: Rocket Mortgage, LLC
State: VA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
My husband and I were told by our CPA to go with Quicken Loans to refinance our home to get a lower interest rate. My husband is XXXX and working as a full time XXXX, I am an XXXX and in my XXXX. We both have near perfect credit scores. Starting back in XXXX, we agreed on a fixed interest rate with Quicken. Since XXXX up to the present date, Quicken required us to provide an ongoing stream of documentation to prove our credit worthiness ( despite our having a joint income of {$500000.00} annually ). Some of the documents they asked for went back as far as 30 years. The list never stopped, and sometimes they asked for duplicate documents. We provided all documents, but even after providing more and more documents, they would raise the bar, and ask for more documents. Then, this past week, they told my husband that we would have to negotiate another fixed interest rate, and more documents would be needed! I notified Quicken that we will no longer deal with them. I also feel enraged. It is my belief that this is how Quicken discriminates against individuals, who they decide that they do not want to loan money to. They keep a battery of employees that continually ask for more and more documents ( presumably hoping that either the individual ca n't produce the documents, or that they will find something to justify not extending a loan ). I might also add, that their advertisements mislead people into thinking that their loans will be relatively easy and without a lot of paperwork - quite the contrary. I believe that my husband and I were discriminated based upon our ages. I can not express the anger I feel towards Quicken. I had misgivings in the beginning, but we relied on our CPA. It is a junk company and I belief rife with insincerity about its loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-27
Company: Green Trust Cash, LLC
State: PA
Product: Payday loan
Issue: Payment to acct not credited

Complaint:
On XXXX/XXXX/2016, I called Greentrust to schedule a payment to be taken out on XXXX/XXXX/2016. This would have paid the loan off. On XXXX/XXXX/2016 Greentrust did not take the payment out. I called the company. 

I spoke with XXXX who apologized and offer to take a payment over the phone to pay the account off. She told me the account balance would be {$45.00} to pay off the account. She was giving me a credit for the poor service. 
I provided her my card information of which she ask for twice. I received two separate emails confirming that a {$50.00} dollar payment was processed with transaction id XXXX and another charge of XXXX was charged to my account the transaction id number for this payment is XXXX. In addition, my bank shows a pending payment of {$55.00} on the account. I talked with XXXX who said when the company processes payments they use an international system and this may result in charging me extra fees. XXXX seemed not bothered by the fact that the representative ( XXXX ) never disclosed that there are fees before taking the payment. XXXX did not seem bothered by the fact that I have XXXX receipts totaling {$90.00} that may be taken out of my account on XXXX/XXXX/2016. She gave no indication that she would cancel the payments and refuse to do so because she could not verify that bank debited my bank account for a reduced payment for poor service. The staff would rather argue semantics than dear with the fact that there is a payment of {$55.00} pending on my account and two scheduled payments of {$45.00} and {$50.00} to be debited to my account as well. I would like the correct payment taken out. The XXXX separate transactions cancelled as the debt is paid in full and the organization held accountable for not disclosing fees associated with making credit card payments to the account. I want these fees refunded as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-07
Company: FRANKLIN AMERICAN MORTGAGE CO.
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have a home mortgage through Franklin American Mortgage Company in which automatic payments were set up. Each month I would receive a statement that the payment was accepted. My last payment was XXXX/XXXX/16. On XXXX/XXXX/16 the next payment was due but was not drafted from my account. When I noticed the mortgage amount was not completed, I logged into Franklin American Mortgage and my balance was {$0.00}. I was never notified of any changes. When I called Franklin American Mortgage, the automated telephone just told my that my loan had been transferred and hung up. I am trying to pay my mortgage and do not know where my mortgage was transferred to.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18
Company: PLANET HOME LENDING, LLC
State: MI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
In XXXX of this year I applied for the XXXX program because I needed assistance post Covid with paying my mortgage I have went back-and-forth with the mortgage company the state of Michigan is telling me that the mortgage company has not submitted the required documents they have not been able to get in touch with the lender to send the proper documents so The payments that are behind can be taken care of through them I have program I have spoken to the state of Michigan and to Planet Home Lending Planet Home Lending is saying that they have submitted the paperwork but theyre still calling me harassing me about the past due payments I am scheduled to start paying my mortgage again in XXXX which is no problem but I need Them to release the paperwork to the state of Michigan so the past due will be paid

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-14
Company: EQUIFAX, INC.
State: IL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
I applied for mortgage loan with XXXX bank on XXXX XXXX, 2016 and it pulled a credit score from Equifax. The credit score it pulled was XXXX points lower than the FICO credit score pulled from Equifax on XXXX/XXXX/2016 that appears on my XXXX XXXX credit card statement. Neither XXXX or XXXX XXXX can explain the difference. However, the Equifax FICO credit score from XXXX would allow me to qualify for a lower interest rate on my mortgage. I can not reach anyone at Equifax to explain the difference in credit score. I would like an explanation of what credit score from Equifax is being used by XXXX XXXX and why it is different from XXXX. If this is a non-standard model, is the scoring system artificially lowering my score to increase my rate. If that is not the case, why is there not a transparent credit scoring process used in the banking system so that a consumer can predict their mortgage rate by knowing their credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-30
Company: JPMORGAN CHASE & CO.
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
JP MORGAN CHASE AND CO - CHASE FREEDOM AND CHASE AMAZON CREDIT CARDS. 

Without any consideration, notice, etc. they cut my credit limit, decreased to the exact balance owed, DROPPING MY CREDIT OVER 40 points and putting my credit utilization over 70 %. I now can't get a loan that I wanted for a new home purchase or even refinance. I was going to pay off the balances of the credit cards once either action had taken. I have contacted them several times and they do not respond or follow up and send me to other departments. I need a response and I need action. This is criminal and they should at least notify or consider the impact the changes make. I've always paid my balances and never had any late payments. RIDICULOUS.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-23
Company: 21ST MORTGAGE CORP.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
First of all 21st Mortgage took over our loan and they are difficult to deal with. First of all we are behind 2 months going on 3 months and I called them to make a payment and they said that they wouldnt accept the payment unless we give them detail or plan on what to do with the delinquency. I ask them to write a letter that they are not going to accept my payment but they refuse and said to mail it and that I did. I also told them that i am being audited by the Franchise Tax Board because it doesnt show with Franchise tax board that I am not one of the owners and that they only declaring XXXX person as the owner instead of XXXX to the IRS.. They wanted a proof of the letter from the Franchise tax board so that they can call the them to talk to them. They also wanted to know who is our accountant so they can investigate. That day that they didnt want our payment instead they sent a letter which I will attached that now we owe four months. They had previously sent someone at the property to collect the mortgage payment. They have been forcing us to file for loan modification and we had informed them that when we filed for a loan modification instead of us getting our payment lowered it had increase our payment and as of now Im being garnished by the Franchise Tax Board for not being one of the owners. I had been asking for a monthly mortgage statement to see how much we had paid, interest, but they said that they dont provide mortgage statements. They had also been calling my mom, my sister to which they are not part of the loan. When making a payment with them its so difficult because it goes from the customer service to the financial counselor to the supervisor then you need to inform them when you making the next payment. Ever since they ( 21st mortgage ) took over the loan w have so stressed out with them calling night and day including saturday early mornings.That day that I was making a payment and they wouldnt accept it they were on the other line calling the Franchise Tax Board and wanted to talk to them regarding the audit. Thats too personal and that the mortgage comp has no right to call the Franchise Tax Board and also wanted to know the name of our Accountant so that they can investigate and they were saying that our accountant is not good and that he doesnt know what his doing when filing for taxes. I even told them that it is illegal for a mortgage company not sending a monthly mortgage statement. We had fax the letter we received from the Franchise Tax Board to the mortgage comp because they wanted a proof and that they said they were going to deal with the Franchise Tax Board.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-16
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
On, XXXX XXXX, 2016 we were denied a Loan Modification by Wells Fargo because they say our income is inadequate ..., we qualified for the loan mod process because of the unemployment criteria ; I have been unemployed since XXXX XXXX ' and I am in school with XXXX XXXX program, funds of {$7500.00} while I am in school ... even tho it is n't required by XXXX XXXX XXXX, I have been steadily looking for work and interviewing. Its seems peculiar to offer loan mods to people on unemployment and still expect them to achieve a debt ratio of 38 % -what is the point- that 's what a conforming refi requires ... I requested Wells Fargo to please provide more transparency regarding the specific criteria, rules & guidelines that our " investor '' has outlined- they said they need to research this ... ''. I am concerned that Wells Fargo is stalling and does not want to provide this data to us, and we were denied the loan mod because they do not want to lower our interest rate. Their " underwriters '' were privy to he Investor guidelines in order to deny us so, why not be transparent.

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 2020-09-30
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Add-on products and services

Complaint:
I have a Best Buy ( store only ) credit card. Ive always been charged a service fee called Debt Protection. I never signed up for this service. Im unaware how long Ive been trying to cancel this service, but its been years. I requested Best Buy to cancel the service years ago. They stated they did at one instance, but I wasnt confident the person whom helped me over the phone knew what I was talking about. Years later, I am still getting charged this fee. After researching the situation online, I now see this service is from Citi Bank, and it has to be cancelled through them. 

Now, I am unemployed due to the COVID situation. I reached out to them on XX/XX/2020 to see what the benefits are, since Ive been paying this monthly fee for a decade, at least. I might as well see if I can benefit from this program that I have not signed up for. The employee was not able to explain the benefits, but instead said they will send me a letter of the benefits, explained. On XX/XX/2020, I receive a letter of how enroll in the benefits, and not the explanation of the benefits. The benefits enrollment seem near impossible to qualify for. 

I paid all these fees, and I should feel protectednot hindered. I want these fees refunded.

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 2020-09-30
Company: JPMORGAN CHASE & CO.
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
JP MORGAN CHASE AND CO - CHASE FREEDOM AND CHASE AMAZON CREDIT CARDS. Without any consideration, notice, etc. they cut my credit limit, decreased to the exact balance owed, DROPPING MY CREDIT OVER 40 points and putting my credit utilization over 70 %. I now can't get a loan that I wanted for a new home purchase or even refinance. I was going to pay off the balances of the credit cards once either action had taken. I have contacted them several times and they do not respond or follow up and send me to other departments. I need a response and I need action. This is criminal and they should at least notify or consider the impact the changes make. I've always paid my balances and never had any late payments. RIDICULOUS.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-20
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: Their investigation did not fix an error on your report

Complaint:
XXXX  has ignored my request to provide me with the physical documents that their company has on file that was used to verify the accounts I disputed i  n my file. Due to the fact that they have past the 30 day mark and can not provide documentation for verification of these accounts, under Secton 611 ( 5 ) ( A ) of the FCRA - they are required to '' ... promptly delete all information which can not be verified, '' that I have disputed. Please resolve this matter as soon as possible.
Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-13
Company: WELLS FARGO & COMPANY
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Main borrower on the mortgage abandoned property XX/XX/XXXX, moved to California. 
Per Wells Fargo Home Mortgage in order to get loan modification solely based on myself I would have to obtain a Quit Claim Deed, which was obtained and recorded XX/XX/XXXX. 
The lender ( FHA /Wells Fargo ) are now insisting I provide them with more information pertaining to the other person on the loan ( abandoned party ). Which I have told them is impossible to do, we are no longer in contact with each other. Per Wells Fargo without this information they will be unable to assist me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
TransUnion credit reporting agency has been reporting inaccurate and misleading information on my report for several months now. In accordance to the Fair Credit Reporting Act 15 USC 1681 ( 3 ) TransUnion has a vital role in assembling and evaluating consumer credit, with a need to ensure they're exercising their grave responsibilities with fairness, impartiality, and respect for consumers PRIVACY 15 USC 1681 ( 4 ). TransUnion has not respected my rights, they were unfair, partial, and furnished these accounts without my consent. Pursuant to 15 USC 1681b ( 2 ) the CRA may only furnish in accordance with written instructions of the consumer, in which I did not give authorization nor consent. Remove these inaccurate accounts IMMEDIATELY and DO NOT open a dispute.

This is Aggravated Identity Theft per 18 USC 1028a, you're transferring and utilizing my information with these 3rd party debt collectors without lawful authority or giving the chance to opt out per 15 USC 6802 ( b ) ( 1 ) Please provide me with the procedures that were taken to gather the most accurate information prior to reporting in accordance with the FCRA. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please provide me with the procedures that were taken to gather the most accurate information prior to reporting in accordance with the FCRA. 
Please REMOVE fraud alert 48 hours AFTER initiation.

Block the information contained within the Identity Theft report & within this complaint in accordance with 15 USC 1681c-2, contained here is 1. Appropriate proof, my drivers license 2. The Identity Theft report 3. Information that shall be removed by law 4. My statement informing you this I the natural person/consumer have no info relating to transactions. Also in accordance to the IRS defines " Charge Offs '' as income and income should not be reported on a Consumer 's report, there was also no legal claim without validating the alleged debt, therefor no grounds to charge off.

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