BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-02-10
Company: Green Trust Cash, LLC
State: PA
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
I took a loan from " Green Trust Cash '' for {$350.00}. The monies were credited to my bank account on XX/XX/2016. 
To date, I have paid a total of {$370.00} and per Green Trust Cash customer service, I have an outstanding balance of {$320.00}. 
I have since realized that online/payday/tribal loans are illegal in the State of PA where I reside. And, any lender can not charge more than 6 % interest. 
On this loan, that would be the Principal : {$350.00} plus 6 % interest : {$21.00} Based on PA law, I have overpaid by {$4.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-15
Company: Rocket Mortgage, LLC
State: NE
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My husband passed away XX/XX/2016. The estate was settlement the deed to the property was transferred to my name by my attorney. I contacted Quicken Loans in XX/XX/2016 to notify them of the change to the deed and asked that my deceased husbands name be removed from the mortgage statement. They told me once they received the death certificate they would make this change. The death certificate was sent and yet another statement arrived with my husbands name. Despite several requests to make this change and complying with the required documentation this change was still not made. I was married to my husband for 57 years and and still grieving. To receive this statement every month with his name on it is overwhelming and heartbreaking. I called Quicken again today and spoke with XXXX XXXX and she indicated the only way for me to get my husbands name off the statement was to refinance the loan. I ca n't imagine why I would have to pay the expense of refinancing just to get the name on the statement changed. My daughter told me that is not correct. After talking to a senior representative my daughter was told that this can be done and she was sorry that I was given wrong information. How many other XXXX grieving for their spouse have been mislead and possibly paid the expense to refinance to remedy this simple issue? 
In addition my husband told me that if he passed away the house would be paid for because he has PMI to pay off the loan. The Quicken loan statement shows PMI/MPI and a charge of $ XXXX monthly. When I called to inquire about the insurance to pay off the loan they said I did n't have this. Why does the statement show they are collecting a fee for this when I do n't have this insurance. It is very misleading. Imagine my devastation and heartache to find this out. Based on the misinformation provided on the process for changing the name one the statement I have serious doubts I was given the right information about the insurance. It is very troubling and my hear is heavy with grief. Is there some way you can investigate these practices. I am sure I am not the only XXXX this has happened to.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-09
Company: BB&T CORPORATION
State: MO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have tried to refinance my mortgage with BB & T for the last 3 years and am not successful. 
In 2008 the value of my property dropped below the loan amount so I did not quality for refinacing. The property is not marketable with the loan above the loan value. I have looked at the haarp program but my exusting loan was closed two months before I would be eligible for the XXXX program. I have had a law firm helping me, XXXX XXXX XXXX firm, but they have not helped at all. 
I have retired since purchased this home and my total income is from SSI of {$1600.00} per month and my payment are {$910.00} per month. I have continued to make payments but they are very steep for me. If I could refinance with a interest rate of 3 % my payments would be reduced around {$200.00} which would be more affordable at this time. I would like to keep the home and stay here but with ssi not increasing this year and inflation still going up at 3 % it will be a matter of time before my home will not be affordable.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-29
Company: I.C. System, Inc.
State: NY
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This XXXX will not receive payment for {$51.00}. I want to be removed from collections or I may contact the media to advise people what kind of office this is. I put down my eyeglass case next to my {$69.00} Bluetooth. When I went to leave just my eyeglass case was there. Not my Bluetooth. When I asked them about my headset they said they never saw it. I am XXXX or I would take them to court. When I asked all the staff there about my Bluetooth, but nobody there saw it. I want to be removed from collections

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 2016-09-06
Company: Guglielmo and Associates
State: AZ
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I was contacted by XXXX with XXXX XXXX XXXX in XXXX XXXX regarding this XXXX account. I told her that I had went through XXXX law group and that my XXXX account had been paid off. I told her I would find the information and send her as XXXX law group went out of business. I was able to get an accounting from XXXX XXXX XXXX. I sent this to them and advised I was disputing this debt. 
Every single month XXXX would call me and every single month demanding that I take care of it, I would tell her that I was disputing it. She would say oh yes I see that. Then I started receiving calls from XXXX at Guglielmo & Associates and he said that he was in charge of the case. I advised him that I was disputing it. He said oh yes I see that. This continued until XXXX XXXX I spoke with XXXX again and again I advised that I was disputing this debt. He told me that it was no found in my favor, I asked how that could be when I sent paper work showing that my XXXX account was paid and that I have never received any paper work from them. He told me he would send some out. 
On XXXX XXXX. XXXX I sent them a letter requesting information. I never heard anything from them. 
In XXXX XXXX I called regarding another matter I spoke with XXXX after finishing with this other matter XXXX asked me about the XXXX account, I advised her I was still disputing it and had sent in a letter requesting information. She told me she sees the letter I sent in XXXX. XXXX told me that they sent me what they were obligated to send me. 
I did not hear anything from them again until I was served with papers. I also believe by the paper work they sent to me and to the court that this debt is past the SOL as it shows the last activity was on XX/XX/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 2016-09-05
Company: Atlantic Recovery Solutions LLC
State: MI
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
My complaint is against the offices of ARS out of XXXX NY. They are collecting debts on behalf of XXXX XXXX. Yes, I do owe them money, however, I am working through XXXX XXXX XXXX to negotiate this debt and repay what I am able to afford. I have not flat out refused to pay this money, but they have flat out refused my negotiation. I have no problem with them calling me, but they have contacted my husband, my mother, and now my grandmother who are not associated with this debt. I feel this is a violation of their privacy, and it needs to stop immediately.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-14
Company: Rocket Mortgage, LLC
State: TX
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs

Complaint:
Applied for a loan with XXXX XXXX, a loan broker in XXXX, TX. The loan was quoted verbally on XXXX/XXXX/15 by XXXX XXXX as 3.25 % with total fees of {$1800.00} to be paid. This loan was XXXX option on the original GFE issued by Quicken Loans, although the {$1800.00} in fees was higher than on the GFE. Quicken issued several subsequent GFE 's, each one incorrect. As of the day of verbally being advised of loan approval, a correct GFE had not been received, however, we continued to proceed in good faith. A correct GFE was never received prior to closing. The final, incorrect, GFE, arrived via USPS on XXXX/XXXX/15, the day of closing. Despite being advised of loan approval on Friday, XXXX XXXX and requesting both the corrected GFE and HUD statements several times between that date and our scheduled closing of XXXX/XXXX/15, they were not received in a timely manner. On XXXX/XXXX/15, the business day prior to closing, the HUD statement was received late afternoon. Upon review it was noted that again, the loan numbers were incorrect. There were origination charges and fees totaling {$4100.00}, or {$2300.00} more than quoted. A call to XXXX XXXX of XXXX XXXX the morning of XX/XX/XXXX advised of the error and a correction requested. After reviewing with the loan processor, XXXX XXXX advised that the numbers were correct and that there were origination charges tied to this particular loan, which was not what was verbally quoted nor in the original GFE. She also advised that we could change to another loan, but that would take a minimum of 3 days to process. As the closing was out of state and had already been delayed XXXX, my husband and I would have to find another time to travel, incur additional expense, etc., we decided to go ahead with the closing even though the figures were incorrect and the loan was not the one that had been promised. 
XXXX XXXX did refund {$470.00} which was the cost of the appraisal on the property, however, even with this refund, charges incurred on the loan issued by Quicken Loans were {$1800.00} more than originally quoted by XXXX XXXX. 
Complaint : Despite numerous requests through our loan broker for a corrected GFE, Quicken Loans did not provide the GFE on the loan that was purchased until the date of closing, at which point it was too late to make any corrections for their errors. The HUD statement was also not issued until the very last moment, not allowing time for any corrections without delaying closing. 
An aside, XXXX XXXX advised that information from Quicken was sent via USPS and e-mail, however, no e-mail was ever received from Quicken Loans. 
I believe that this issue is an unethical practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: Experian Information Solutions Inc.
State: CA
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 been disputing with the Credit Reporting Agencies to remove the fraudulent information completely from my Credit report. The letter I sent on XX/XX/2022 was already my 3rd letter requesting that the Credir Bureaus remove the items as they resulted from the theft of my identity. It has been a battle going through this and I am suibmitting this complaint to delete the following fraudulent information in my file. The dispute items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged information showing on my credit report. I therefore request that the Credit Reporting Agencies immediately remove these information from my credit report with your firm pursuant of the FCRA Section 605b : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX Balance Owed : {$0.00} DPT EDXXXX XXXX Balance Owed : {$0.00} DPT ED/XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX XXXX Balance Owed : {$290.00} XXXX XXXX Bankruptcy Reference # : XXXX U.S. Bankruptcy Court

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 2016-07-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Note : This is related to a previous CFPB complaint I filed XXXX/XXXX/XXXX against Capital One. A total of XXXX files are attached including XXXX XXXX XXXX XXXX XXXX and a call log " XXXX. '' THE CALL LOG AND FILE NAMES CONTAIN THE PHONE NUMBER AT WHICH THE CALLS WERE RECEIVED. 
XXXX. Beginning XXXX/XXXX/XXXX while awaiting response from Capital One concerning the CFPB complaint filed XXXX/XXXX/XXXX I began receiving robocalls from " XXXX '' from Capital One. Through XXXX/XXXX/XXXX a total of XXXX calls of this type were received. These calls state " Hi this is XXXX. We would like to discuss solutions regarding an important business matter with Capital One. Please call us back today at XXXX to discuss further. Again the phone number is XXXX. Thank you. '' XXXX. Beginning XXXX/XXXX/XXXX robocalls from a " new '' caller from Capital One named " XXXX '' commenced ; XXXX of this type were received through XXXX/XXXX/XXXX. With XXXX exception all calls from " XXXX '' appear to be the same : " Hi this is XXXX from Capital One. We 've been trying to reach you about an important personal business matter. Please return this call at XXXX. Again the number is XXXX. Thank you. '' XXXX call XXXX XXXX/XXXX/XXXX XXXX just starts with " XXXX '' but the rest of the message is the same. 
Who the " you '' that Capital One has been " trying to reach '' is never revealed in any of these messages.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-01
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I am filing this complaint because I think what Experian is doing to me is wrong, unethical and may be against the law. A letter was mailed to Experian on or around [ XXXX/XXXX/2015 ]. 
I clearly stated my concerns to them regarding inaccurate, questionable or unverifiable information listed on my credit report. I also provided a clear copy of my ID, proof of my social security number and a proof of my current mailing address. 
On [ XXXX/XXXX/15 ] I received a notice from Experian stating the following : '' We received a suspicious request in the mail regarding your personal credit report and determined that it was not sent by you. Suspicious requests are reviewed by Experian security personnel who work regularly with law enforcement officials and regulatory agencies to identify fraudulent and deceptive correspondence purporting to originate from consumers. 
In an effort to safeguard your personal credit information from fraud, we will not be initiating any disputes based on the suspicious correspondence. 
Experian will apply this same policy to any future suspicious requests that we receive regarding your personal credit information, but we will not send additional notices to you of suspicious correspondence. 
If you believe that information in your personal credit report is inaccurate or incomplete, please visit our website at experian.com/validate dispute or call us at XXXX ( XXXX ) XXXX to speak directly to an Experian consumer assistance representative. " However, an Experian confirmation number was not even provided on this notice. I can not imagine what could have possibly been " suspicious '' about my correspondence to Experian. I should not have to spend endless hours on phone calling the credit bureau back and forth attempting to resolve the issues on my credit report! I am filing this complaint because Experian will not respond to any letters that I am sending in. I 'm sure this could be a violation of my rights and Experian should not be deliberately disregarding my concerns!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-29
Company: AR Resources, Inc.
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This company is trying to collect a debt that the VA has already paid. This is in additon to XXXX others they are trying to collect that the VA paid

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-15
Company: Paypal Holdings, Inc
State: CA
Product: Prepaid card
Sub-product: Mobile wallet
Issue: Fraud or scam

Complaint:
On XXXX XXXX, 2015 I made a purchase on XXXX. I went through paypal to make the payment with my credit card on file. On XXXX XXXX, 2015 I received a notice that paypal had ran a credit check on me which I did not request or authorize. On XXXX XXXX I received an email from Paypal Credit saying that they had approved a credit line for me for {$1200.00} Again, I never knowingly applied for a credit line. Why would apply for a credit line for a {$38.00} purchase that I could use my credit card for? I called paypal through XXXX to report fraud today, XXXX XXXX and paypal told me it was for my purchase on toyrus.com and they would immediately close my account. They claimed that I would 've had to go through the process of filling out an application for an account which I never did. I still have to go through the process of paying the balance because they would not take credit card payment, they would only take a bank account payment so I have to wait for them to send me a paper statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-05
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
The collection agency namely XXXX keeps reporting information on my report that does not belong to me. They were unable to verify this debt belonged to me back in XXXX of 2015 and all XXXX trades were deleted well low and behold they are back at it again and the credit reporting agencies are allowing them to report this trade again even though it was deleted the last time because they could not verify any of the information pertained to me. Im sick and tired of doing this every 4 months I want these trades deleted from my reports at once and to never ever to return and I want this collection agency to be held accountable for falsely reporting information that does not belong in peoples reports. These entries have destroyed my credit score to say the least and they need to pay for this. I have disputed this again with all XXXX credit reporting agencies. It is your job to warn them them that these trades must never ever appear in my report again. Im not going to wait 30 days for another investigation I want these deleted like 5 minuted ago meaning now not 30 days from now but right now, Im tired of these collection agencies just doing whatever they please and have to not answer to anyone. I can not give you the full account numbers for the trades as the credit reporting agencies do not provide the entire account numbers for them. To put it plainly anything that says XXXX needs to be deleted

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-13
Company: AMERICAN EXPRESS COMPANY
State: NY
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 opened a new credit card with American Express and as always I set up automatic payments through their automatic system right away. Two month later without having a single alert or notice, I discover that they destroyed my credit history reporting two late payments. My credit score went from good to fair and I cant apply for any more credit! I already spoke with them and told them that I set up automatic payment which didnt go through. Also I moved to the new address from XXXX XXXX to XXXX XXXX XXXX, XXXX and didnt receive a single bill that my account is overdue to my new address. My understanding was that XXXX setup automatic payments but their automatic system fails on purpose so they can collect their fees. 

Please help me. They destroyed my credit history while it was their fault because they had problem with the automatic payments system. I spoke with their representative and she said that it happens to other customers! I dont trust this company any more when they do such unethical practices - not only stealing millions of dollars but destroying credit history which causes hardship for families. This was such a mistake opening account with them. Wish I never dont this. Also they promised me XXXX apr for a year ( that was the reason I signed up ) but then they charging me 28.24 % Please publish my report so it is visible for all the people to read! 

Thank you so much! 
XXXX XXXX Amex account number ending : XXXX My cell : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-13
Company: U.S. BANCORP
State: NV
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
In XXXX I was trying to get a loan mod from US Bank. I submitted all the required paper work.They told me they never received the document package. I re-submitted via fax and certified letter. They told me that they would respond within 21 days. 14 days later, they foreclosed. I filed a bankruptcy. For nearly 4 years they maintained that they could not locate me original loan documents. When they finally did, the bankruptcy was resolved. US Bank attorneys agreed to, and signed off on the plan. Our case was closed on XXXX/XXXX/XXXX. 

Since that time, I have been contacting US Bank asking for a full accounting of my payments and a monthly statement. They refuse to provide a monthly statement stating " my loan is in a open active bankruptcy '' and they can not provide a statement. I have had my attorney fax them the complete information, the discharge order and the order closing the case ... and they just maintain that they have not received any information. I have fax transmittal records proving that they, did in fact, receive the information. 
I do qualify for HARP re-financing of my original ARM loan, but again, they refuse to talk with me because " ..my loan is in a open active bankruptcy ''. 
I want to get these issues resolved, and all of my efforts have been rejected by US Bank.

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