BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-04-20
Company: On Q Financial
State: TX
Product: Mortgage
Sub-product: Other mortgage
Issue: Application, originator, mortgage broker

Complaint:
I was attempting to work with OnQFinancial Mortgage - XXXX  #  XXXX  dealing with a Loan Originator by the name of  XXXX   XXXX   , on top o f no return phone calls which I am considering bad customer service but the complaint is the unfair trade practice and bait and switch that happened to me while working with  XXXX   XXXX . He pulled my credit and discovered that I needed to pay down some credit in order to reach a certain score for approval and he provided me the info about  XXXX   XXXX  through   XXXX   XXXX  . All during the conversation about the re-score, he never disclose to me that it is a fee that I would have to pay in order to get the new re-score, so within 8 days, I completed what he sent and call him back for the Re-score. At that time, after the proof of payments paid was sent as he advised, he proceeded to tell me about a charge to have the re-score, taken back and in shock, I asked about what type of fee, He stated, there 's a fee per trade-line update and I had  XXXX  items on  XXXX  credit report. When I questioned the ethics behind paying to re-score because the  XXXX  Credit Bureau do not handle transaction they are a reporting agencies, he advised me that it was " collateral '' to make sure that the consumer ends up closing the deal with him and do n't go with a different lender. When ask for this to be in writing, I was told, " No '' this is for him because to many people has left and closed with a different lender. He stated that the fee can run as low as {$50.00} per trade-line up-to {$100.00} dollars and I had  XXXX  items I had to address on  XXXX  different report, so totaling $  XXXX  {$1000.00} dollars for the   XXXX    XXXX   to go  to the Loan Originator-  XXXX   XXXX   XXXX   . I  spoke with my realtor that referred me to him and advised him of the situation and since then  XXXX   XXXX  has not returned any of my calls.

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 2019-12-18
Company: Resurgent Capital Services L.P.
State: OK
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I had service with them in XXXX but theyre reporting that I had it in XXXX and reported it again to my credit in XXXX. XXXX is the service for {$100.00}. I want this removed forever!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-18
Company: ONLINE Information Services, Inc.
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
sent letters to the credit bureaus on these debts {$340.00}, {$260.00}, {$260.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-14
Company: Big Picture Loans, LLC
State: GA
Product: Payday loan
Issue: Payment to acct not credited

Complaint:
Complaint # XXXX Spoke with Big Picture Loans at Length with XXXX the manager she scheduled the date of XX/XX/XXXX that my acct was to be credited $ XXXX+XXXX for overdraft fees. Called XXXX to see why funds where not credited to my acct and she told me she was sorry that the acct was closed out and that I had to call her back to schedule another date to credit the acct. On XX/XX/XXXX I called to schedule a date and she told me that my acct was being reviewed by the law dept since I filed a complaint with the consumer financial protection bureau and there is no date to credit the acct. She stated that they would contact me she She had no more info and still couldnt credit acct until the investigation is over. I cant believe that these people are still stalling I never gave consent for my acct to be debited after it was paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07
Company: WELLS FARGO & 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: Account status incorrect

Complaint:
Wells Fargo reported to XXXX  that on XX/XX/2020 my home mortgage went into forebearance. However, I did not request COVID assistance then & furthermore, the account is current with payments made in XXXX & XXXX. This issue came to our attention on XX/XX/XXXX when we attempted to close on a refi. We first contacted XXXX  who told us to contact the lender, Wells Fargo. Weve now done that only to be told that while they agree all our payments are in line for XXXX & XXXX they need to investigate this matter further. It may take 10 days to resolve which will lead to material financial adversity to our family. Weve asked  Wells Fargo to rectify this matter immediately & they refuse to.

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 2019-12-18
Company: Clear Start Today
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
I received an illegal robo-dialed phone call from a company that offered to assist me with rolling my payments for a loan into the Federal PSLF program. I spoke to two individuals, one who answered the call after I followed the prerecorded message to 'press 1 to speak, ' and a supposed 'loan specialist ' who spoke about my loans and talked to an 'underwriter '. He asked for my FSA ID, which I provided, and reset my password ( which he communicated what it was to me ), then overviewed my loans and sent paperwork to me via email that I could digital fill out and asked for a payment method. My loan was going to be placed on forbearance for 4 months while they intended to collect {$990.00} across four payments. I brought up a few times about my confusion as to why I would get a loan payment letter from the federal government in the mail upon completion of my sign on and he said my loans were just going to be rolled into a new program. I switched my repayment program once already and I never got an email or printed mail about the loan being paid off. He assured me I wasn't privatizing and that they were handling the paperwork for recertification and loan forgiveness. I told them I would think about and we ended the call. I couldn't find any information about the company but they hit the marks on numerous articles about PSLF scams. 

The company was called Clear Start Today. 
Their address is ( supposedly ) : XXXX XXXX XXXX, XXXX, CA XXXX or another address is ( supposedly ) : XXXX XXXX XXXX # XXXX, XXXX XXXX, CA XXXX I should also mention my phone flagged the call as from XXXX and was different from the callback number I was provided. 

Called from : XXXX Callback provided : XXXX I got a text from : XXXX The paperwork they wanted me to fill out was loaded with legal agreements and a power of attorney contract. There were typos and the address information didn't match up between the website and the paperwork. Some of the forms didn't directly match up with those provided by the agencies they intended on communicating with.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-17
Company: CITIBANK, N.A.
State: KY
Product: Credit card
Issue: Payoff process

Complaint:
I have had an account with Sears Card services for about 7 years. This past year, I discovered a fraudulent charge on my account. I reported it immediately and they promptly credited my account. Thereafter, it appeared to me that my account was credited beyond the amount I had disputed so I called to report it and they mentioned there was no issue. We had a sick pet which needed XXXX last fall and I used the card to pay for the fees. 
Having misplaced my card soon after or before the XXXX ( I can not remember ), they cancelled it and reissued a new one which apparently resulted in a myriad of charges related to the disputed charge in XXXX of 2016 either reappearing on my account or being credited to my account. There was so much back and forth with this XXXX charge that I honestly have no idea how much I should have owed based on the things I know I have used the card for that I feel like I have since overpaid the amount of initial credits to my account. I do not trust Sears at all. They performed an audit on the account a couple of months ago and swear it is resolved, but I am now also paying interest on the amount they had credited my account and since reversed the charges on. Those interest charges have been reversed one time when I called but appeared on my last statement. Overall, it is very shady and I wonder if this is a true error one off type of thing or if other consumers are experiencing the same issues.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-12-18
Company: Freedom Mortgage Company
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I filled bankruptcy in XXXX of XXXX. 

My mortgage pymts are {$2000.00} my trustee pymts are {$580.00}. 

XXXX of XXXX my car went into the shop and I had to pay XXXX to get it fixed which I got behind on my mortgage pymts. 

I receive notification from my mortgage company wanting the courts to remove the automatic stay to proceed with foreclosure on my home. Which Ive been paying every month with the exception of being short $ XXXX. 

My Bk attorney sent me the payment arrangements they are wanting me to pay to catch up my mortgage which included their attorney fees. Which brings it to XXXX and they are wanting me to pay {$870.00} additional to my already {$2000.00} mortgage payment and {$580.00} Bk pymt for 12 months. I told them I can afford {$500.00} amonth along with my income tax for 18months. 

They are threatening foreclosure. Ive been paying my full mortgage on time since XXXX. 

I dont want to loose my house and its not like I just totally stop paying.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-12
Company: Southwest Credit Systems, L.P.
State: NV
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
I made a agreement to pay debt but not own the debt. I ask could they put my agreement in writing and they refuse to but in writing what I agree to pay them because they say it is they company policy not to give a written agreement. It also is not the amount that they company wanted from they phone company the asking me an amount more than what they claim i owe

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19
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: Old information reappears or never goes away

Complaint:
Theseaccounts werealready deleted from my credit report. Why have you re-inserted theseaccounts back on to my credit report? I went online and read the FCRA, and it stated that if you re-insert an account back onto a consumers credit report, you must notify the consumer of this action within five days of adding the account back onto the report. I never received any notification from your company. 

This same law stated that if you fail to notify me, that it is a violation of the FCRA which carries fines if I decide to pursue litigation on this matter. Know to avoid me hiring an attorney to enforce my rights, Im asking your company to delete this account at once. Please send me an updated credit report within 10 days showing me that that the account above has been deleted.

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 2019-12-18
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
as this has been going on for a while, i don't have all the dates or actual amounts. 
i went old navy to buy some cloths as a gift ( about {$90.00} ). while i was there, they said i could save 10 % if i applied for an old navy card. i applied for the card, but did not intend to use it. when i checked out, i gave the cashier my personal cc for the purchase and the old navy card for the discount. months later, my mail had caught up to me ( moving ) and i saw i had an old navy bill. i called and questioned this bill right away. turns out, it was the clothes i bought that day. i checked my personal cc and did not see the purchase. this was upsetting as i did not intend to use the old navy card. i was told just applying for the card would give me the discount. i attempted to solve the issue with customer service, but the old navy representative was firm ( rude ) that i had to pay interest and late fees. as i was moving, i was not even aware of this bill nor was i looking for it. i should not have even had it. i feel old navy took advantage of me. 

after going round and round with old navy cust service for months and getting nowhere, i paid the principle only as it is undisputed. i paid the principle as i did receive the items and did not take them back, but the interest and late fees were not paid because i did not knowingly use this card which is the basis of the dispute. the cashier ran the old nave card instead of my intended personal card. 

my problem / dispute is that even after paying the principle and explaining what occurred, old navy continues to charge my account XXXX late fee each month and interest on the entire balance ( which is 100 % late fees and interest ) the total balance as of XX/XX/19 is {$330.00}. this balance is 100 % late fees and interest. this balance increases about {$46.00} per month without any principle basis. 

as i did pay the entire principle amount, i feel the debt should be settled.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-12-18
Company: JPMORGAN CHASE & CO.
State: MD
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Confusing or missing disclosures

Complaint:
Chase bank closed my newly approved bank account and hold my fund last 3 weeks, stl no sign of my money. 

Chase sent me a letter saying that they have right to close any account without any notice. 

They are doing discrimination on which account close or open. I just don't get it. I did everything chase asked to do, now my $ XXXX is in chase bank pocket and I don't know how I am getting my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
The following account is not mines. I have called XXXX XXXX and the collection agency attempting to receive payment, and neither one of them can tell me where the charges came from and seeing that I am current customer of XXXX XXXX, how do I have a past due amount on an account that I have been paying on since XX/XX/XXXX. The account in question : Creditor Name CREDIT COLLECTION SERVIC Original Creditor XXXX XXXX Responsibility Individual Condition Derogatory Original Balance XXXX Balance XXXX Date Opened XX/XX/XXXX Date Reported XX/XX/XXXX Remarks Placed for collection

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-15
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
As of today XX/XX/2017 my credit FICO SCORE DECREASED BY XXXX PTS XXXX. YESTURDAY MY SCORE WAS XXXX. THERR SHOULD BE NO REASON MY SCORE DECREASED THAT LOW ... OVERNIGHT. I AM REQUESTING THAT THEY COMPLETE INVESTIGATION AND REANALYSIS MY FICO SCORE TO A INCREASE. I WAS INDICATED THROUGH MY MEMBERSHIP ONLINE THAT MY SCORE HAS INCREASED BY XXXX POINTS XX/XX/2017. INDICATED IN MY ALERTS INBOX ... MY CREDIT FICO SCORE SHOULD BE ABOVE THE SCORE XXXX. 
PLEASE INVESTIGATE THIS AND REANALYSIS MY CREDIT SCORE

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-16
Company: Rocket Mortgage, LLC
State: OH
Product: Mortgage
Sub-product: Other mortgage
Issue: Application, originator, mortgage broker

Complaint:
I got on the quicken loans website and started an online chat with one of their live representatives. I told the guy that I was only seeing what I needed for the future and did not want to apply at this time. He took my information and said he was not going to run my credit yet until I was ready at a later date. I later found that they did run my credit against my will and they refuse to remove the credit inquiry from my credit report that I never asked them to run. I sent them 2 different letters asking them to remove the inquiry as I did not authorize it and they refused saying that I needed to file a police report if my identity has been stolen. I never said my identity was stolen I said their representative ran my credit against my will even though he promised to wait until I was ready. This company has treated me extremely unfairly and now I will NEVER EVER do business with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Company: Experian Information Solutions Inc.
State: NC
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 Credit Reporting act the following accounts have violated my rights. 

1. XXXX  XXXX Account Number XXXX in the amount of {$440.00} 2. XXXX XXXX Account Number XXXX in the amount of {$4800.00} 3. XXXX XXXX XXXXXXXX Account Number XXXX in the amount of {$840.00} XXXX XXXX XXXX XXXXXXXX in the amount of {$1400.00} 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 an 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 2019-05-22
Company: Second Round Limited Partnership, Austin, TX Branch
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
On about XX/XX/2019, I received a letter from XXXX XXXX XXXX, XXXX stating that Second Round Sub , LLC was attempting to collect a debt from me. I in turn on XX/XX/2019, send them a letter requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay Second Round Sub LLC. They have not sent me anything to show I own this debt. Yet I have received a letter from Court Case Notifiers that there is a case in civil court in the amount of XXXX filed against me with Second Round Sub LLC. I have never signed a contract with Second Round Sub LLC to my knowledge and they have not shown me anything that states I have, I just would like to have this matter resolved

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-18
Company: Ditech Financial LLC
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Satisfaction of Lien/Closing Documentation Error This is a request for assistance with our prior mortgage servicer ( Ditech LLC ) about documentation error done at closing. We inquired about corrective action not taken on our Satisfaction of Lien/Closing Documentation by Ditech to date. Weve contacted Ditech, XXXX XXXX XXXX XXXX, XXXX AZ, XXXX, XXXX, Customer Service on two separate occasions. Here are the dates, times and individuals spoken with about this issue : > XX/XX/2018 - XXXX : spoke with XXXX  about Satisfaction of Lien has not been corrected with XXXX 's name ( recorded as XXXX ) > XX/XX/2018 - XXXX : spoke with XXXX  about pay off date ( XX/XX/2018 ) informed her spoke with XXXX  ( XX/XX/2018 ) about Satisfaction of Loan error. She stated task still has not been performed as of this date. 

The attached paperwork clearly states the correct name of " XXXX XXXX XXXX except for the Deed of Release and Full Reconveyance showing her name as XXXX XXXX XXXX recorded with XXXX County Recorder incorrectly. 

We request extremely urgent corrective action be taken and not wait 30 days from the date of this message ( as deemed by CFPB guideline ). We have surpass the 30 days guideline which expired XX/XX/2018 when initially contacted and again XX/XX/2018 as well as have been very patient. We are considered if not already or the very near future XXXX 's credit maybe affected in a negative matter. 

Respectfully, XXXX XXXX XXXX XXXX XXXX / XXXX XXXX / XXXX

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX XXXX will not correct their own errors and keep blaming the SSA Administration for their own wrongness. They are continuing to keep my 19 years from me and a letter dated XX/XX/22 appears to have been backdated says termination of my XXXX XXXX debit master card account suspending or cancelling that you have elected to do and under the law Article XIII, section 1b. Please send to the CFPB the law you are using under these terms since an employee female told me last night that this is coming from Social Security Administration and to go ask them. You should payout the new XXXX Claim filed as XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation