BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-05-16
Company: Rocket Mortgage, LLC
State: NY
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On the Rocket Mortgage website, consumers are prompted to apply for a quick decision and a mortgage as they provide their personal access to their bank accounts. Rocket Mortgage is a form a scamming site since it prompts for " Simplicity-Securely share your financial info at the touch of a button to get the most accurate numbers, Speed-Get approved in minutes, and Control-Adjust your down payment to find a solution that works for you '' All turns to be a huge XXXX and disappointment for the consumer. After submission of the application, the Rocket Mortgage at Quicken Loans have all personal information available - social security numbers, bank account, access directly to the bank accounts, addresses. At the end of the quick review, Rocket mortgage shows XXXX options of the loan amount with XXXX different rates. Then, the system urges the consumer to 'chat ' with the Rocket Mortgage Specialist. After the chat, the specialist denies the application even if the credit score of the applicant is good, even if the Rocket mortgage automatized system is showing that the customer is approved. It gets ugly when a customer starts asking questions as 'where is my application ' and why my mortgage application disappeared from your site? The role of the online mortgage officer is to make sure the Rocket mortgage does not have any record of any transaction. Then the customer is objecting and stating that it is not fair Rocket Mortgage to ask for bank accounts Before any pre-approval of the Mortgage application. The mortgage officer is terminating the chat. SUCH SCENARIO happened with me. I was denied Rocket Mortgage by the Quicken Loans Senior Mortgage Officer, while their automated system pre-approved me and at the same moment I applied for the regular approval at the Quicken Loans application for a mortgage which is separate. It was given the impression that I was pre-approved for a mortgage, but after the Chat with the Senior Mortgage Loan Officer, all applications disappeared.
Thus, I received an immediate Denial Letter by the Mortgage Online officer, and my credit score will be harmed due to their hard inquiry. More importantly, the Quicken
Loans - Rocket Mortgage has all my bank accounts and ACCESS to my bank accounts/account numbers and login information.
I feel something is very wrong and unfair in the above process of pre-approving customers. I thing that the Rocket Mortgage is scamming customers as asking for bank account information and login access to screen who of the customers has more finances to pre-qualify and deny applications.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-05
Company: CITIBANK, N.A.
State: MD
Product: Credit card
Issue: Sale of account

Complaint:
My XXXX Rewards card issued by Citi Bank was recently acquired/transferred to XXXX Bank. My final payment to Citi Bank was never credited to my account after transfer ( although I have proof that Citi Bank cashed my check ). The customer service line for my Citi Bank XXXX account automatically forwards to XXXX Bank, the new owners of my account ( who can do nothing about my situation -- it is a Citi Bank issue ). Trying to speak with anyone at Citi Bank results in hours of wasted conversation and transfers -- no one can pull up my account in their systems -- it is like my account with them never existed! Citi Bank should have returned my check instead of cashing it OR forward it to XXXX Bank for credit against my account.

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 2017-05-16
Company: Experian Information Solutions Inc.
State: NC
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, 2017 Bureau of Consumer Protection Federal Trade Commission XXXX XXXX XXXX, XXXX XXXX, DC XXXX RE : FAILURE TO INVESTIGATE PROPERLY To Whom It May Concern : On XXXX XXXX, 2017, I filed an online dispute with XXXX  after reviewing my credit file only to find a number of inquiries that were bogus. XXXX clearly did not follow the law and properly investigate the inquiries because they completed the investigation in the same day ( please review the documents enclosed ). There are inquires I did not make, some that are more than 2 years old ( should be removed ) as well as duplicate bogus inquires. XXXX has not followed the stipulations of the law. Attached you will see a copy of my dispute information where dispute number XXXX was completed on XXXX XXXX, 2017 yet you can see in the attachment title ( disputes filed ) that, that was also the same day that I submitted the dispute. After viewing that item I request that you view the XXXX, there you will see duplicate inquiries from XXXX XXXX that ARE NOT MINE, Multiple XXXX XXXX Inquires within days, ARE NOT MINE. XXXX XXXX XXXX is 2 years old should have been removed, XXXX XXXX XXXX I have never granted them permission to access my credit file. XXXX XXXX XXXX is also not MINE, I have not given them permission to view or pull my credit file. Is it true may suffer damages because of XXXX lack of response and improper investigation. Please require them to remove this bogus, duplicate and old information. If you have any questions or need additional information, please contact me at the address noted below. Thank you. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC 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
Consumer complaint received 2017-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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, 2017 Bureau of Consumer Protection Federal Trade Commission XXXX XXXX XXXX, XXXX XXXX, DC XXXX RE : FAILURE TO INVESTIGATE PROPERLY To Whom It May Concern : On XXXX XXXX, 2017, I filed an online dispute with XXXX  after reviewing my credit file only to find a number of inquiries that were bogus. XXXX clearly did not follow the law and properly investigate the inquiries because they completed the investigation in the same day ( please review the documents enclosed ). There are inquires I did not make, some that are more than 2 years old ( should be removed ) as well as duplicate bogus inquires. XXXX has not followed the stipulations of the law. Attached you will see a copy of my dispute information where dispute number XXXX was completed on XXXX XXXX, 2017 yet you can see in the attachment title ( disputes filed ) that, that was also the same day that I submitted the dispute. After viewing that item I request that you view the XXXX, there you will see duplicate inquiries from XXXX XXXX that ARE NOT MINE, Multiple XXXX XXXX Inquires within days, ARE NOT MINE. XXXX XXXX XXXX is 2 years old should have been removed, XXXX XXXX XXXX I have never granted them permission to access my credit file. XXXX XXXX XXXX is also not MINE, I have not given them permission to view or pull my credit file. Is it true may suffer damages because of XXXX lack of response and improper investigation. Please require them to remove this bogus, duplicate and old information. If you have any questions or need additional information, please contact me at the address noted below. Thank you. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC 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
Consumer complaint received 2017-08-15
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I paid {$500.00} per month for 10 years on my navient loan and none of it went to principal

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-16
Company: Selene Finance LP
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I started a short sale in XXXX XXXX with XXXX XXXX as the executor of the property that was owned by my mother. When we found a buyer we started the process of submitting documents to XXXX XXXX. Since this was a XXXX XXXX loan, we were directed to submit the file to XXXX XXXX directly and they would work with us to get an approval. While negotiating with XXXX XXXX they sent an e-mail with a counter offer to the offer that was submitted. The buyer decided to accept the counter. While the amended documents were being prepared, XXXX XXXX informed us in XXXX the loan was sold and we had to wait until XXXX XXXX to get in touch with the new servicer. They informed us that we would have to start the process over again with the new servicer. We waited and submitted the offer again to the new servicer, Selene financing. After the servicer reviewed the documents and the value, on XXXX XXXX we were told the investor has to net {$380000.00}. The buyer had to increase the offer which he agreed to and we submitted all the amended documents. After waiting over a month for a response, on XXXX XXXX we received an e-mail that the investor has to net {$400000.00} based on the new value that was received from an exterior BPO. However this was not the net that we were told on XXXX XXXX. We were told the change in value was due to a new exterior BPO that was completed. This property is an estate sale that has been sitting empty for a year. During the winter months, pipes froze and burst and there is water damage, mold and other issues that need to be addressed in the property. Therefore an exterior only BPO would not allow for an accurate value of the property. Additionally an Inspection report was also submitted with the offer which provided the details of the disrepair in the property. As the executor of my mothers estate I am doing the best that I can to manage the sale of this property. However, I am currently on working for the government in XXXX and this process has been very frustrating and tedious to say the least. The amount of paperwork and the back and forth while I am in a different time zone has not been easy. I would like assistance in getting this short sale process completed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-30
Company: Experian Information Solutions Inc.
State: CA
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:
Account reported inconsistencies in the months between XX/XX/2019 XX/XX/2019 by identifying/reporting inconsistent late and on time payments for stated months and therefore not consistent. The account was eventually charged off yet that also was not reported on the account. I asked for documentation such as signed application proving this inquire made myself or otherwise contact the national credit bureaus to have them delete the disputed item as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
... A company called " XXXX '', which only shows a P.O.Box as address, has tried to " collect '' a debt on behalf of " Capital One, F.S.B. " ; for such I have no knowledge nor I owe anything to that bank/credit ...

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-17
Company: Bronstein & Weiss Arbitration
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
This was the transcript of the call  : _This  is  XXXX   XXXX   from Weiss   XXXX   XXXX   XXXX  for  XXXX   XXXX   arbitration o f us location we have been trying to get in contact with _you several times this is I 'm reference to a complaint that was filed of our firm against your name and social it 's in reference for  XXXX   XXXX  accoun t transaction o n that account with closed account or no known name or did I do need a return  call _ get the co mplaint resolved office number is  XXXX  extension  XXXX  __ for my available request suspension  XXXX  thank you This  XXXX   XXXX  account has been closed for  5-6 y ears now and it was only in my husbands name not mine. Called from  (   XXXX   )   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-17
Company: CITIBANK, N.A.
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: Account information incorrect

Complaint:
I had a credit card open with citi bank. I got some fraud on it back in  XXXX  of  XXXX  every month since, I have called citi and explained that it was fraud and they would take it off. They never took it off and in  XXXX  of   XXXX  , they claimed it was 30 days late even though it was the fraud I was not paying. Then in  XXXX , they claimed it was 60 days unpaid and again I called and they said it was fixed. they didnt, they sent it to collections. i called agian and corrected and they said it was fixed. I got conformation this weekend because I received a statement with a negative balence. Only problem is, that shows on my report and m y credit score o f  XXXX   ( t hat I have paid every bill I have ever had early ) has sunk to  XXXX  will this go away or what do i do next?

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 2017-05-17
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Confusing or missing disclosures

Complaint:
The Banks Chase  XXXX   XXXX   XXXX   XXXX  Ny  XXXX  would not  Return   Loist   Credit Cards Complaint  XXXX -  XXXX    New York State Dept Of Finicial Services

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-08
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Account terms and changes

Complaint:
On XXXX/XXXX/15 I ordered the Equifax 3-Bureau Credit Report and Scores at the advice of my potential mortgage broker to see if there was a chance that I would qualify for a loan before the broker pulled my scores. He advised this so that I would not have a hard pull on my scores unless there was a chance. I ordered the product above to get the scores from all three major credit bureaus. My scores were Equifax - XXXX, XXXX - XXXX, and XXXX - XXXX. Upon advice from my creditor I applied and he pulled my credit to do a per-qualification. When he received my scores, they were Equifax - XXXX, XXXX - XXXX, and XXXX - XXXX. I was in shock when the Equifax score was almost XXXX points lower than what they quoted me when I paid for the scores. Outraged, I contacted Equifax and they replied that the credit scores they sold me were for education purposes only. ( See attachment ) I did not pay for an education ; I paid for my true credit scores. Now I have a hard hit on my credit under inquiries because Equifax lied and outright misrepresented selling me, AND OTHERS, a credit score that represents NOTHING and is false. Moreover, the credit score that they sent my creditor was damning to my request for a loan and XXXX to XXXX points lower than the other agencies whose scores were only XXXX points different. Equifax should not be allowed to indiscriminately post scores that are so far skewed from other major agencies. It is as if there is absolutely no regulation, accountability, or accounting of the scores they post ; scores that can cripple consumers! I am a veteran. The VA takes care of us, but who regulates the credit bureaus? Obviously no one. If they are going to market these fictitious scores then they should be mandated that they have to BOLDLY warn that these scores are not even close to the real FICO scores that consumers really need to know, NOT some fictitious score misleadingly referred to by them as EDUCATION. Equifax 3-Bureau Credit Report and SCORES is a scam based on fraud when they fully know people need to know their true FICO score.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-04
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Before moving to XXXX from XXXX, I had paid off my XXXX ( formerly known as XXXX ) bills and closed my account. However, Equifax is reporting that I still owned {$120.00} and it was sent to collections. This is incorrect information and should be removed. I lived at XXXX and move to XXXX. I have attached a copy of the final bill from XXXX that shows my balance is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-17
Company: GOLDMAN SACHS BANK USA
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Goldman Sachs failed to respond to CFPB complaintXXXX which Goldman Sachs raised additional questions in previous responses. NOTE : the below questions are the same questions we have already requested earlier this year which were not answered by Goldman Sachs. If Goldman Sachs answers these remaining questions honestly, we will cease and desist all complaints against Goldman Sachs. If Goldman Sachs fails to answer these questions, we will continue to file additional complaints until these questions are answered! Furthermore ; complaints against Goldman Sachs will be posted on the internet for all consumers to view which will not look good for Goldman Sachs!
NOTE, failure to address complaints may be a violation of federal and state laws! First, after purchasing our Note and Deed of Trust from XXXX XXXX XXXX in XXXX XXXX ; did Goldman Sachs ever sell, transfer or Reconveyance our Note and Deed of Trust which is located in GSR Mortgage Loan trusXXXX XXXX? Second, if so, who did Goldman Sachs sell, transfer or provide a Reconveyance too? Please provide documentation! Third, please provide dates with your documentation! Please respond to our questions accurately and provide documentation so we can resolve this matter. NOTE : forwarding this complaint to the servicer, XXXX XXXX XXXX will cause additional complaints to be filed against Goldman Sachs! These complaints do in fact pertain to our note and deed of trust which reflects how the servicer has failed to act in good faith which has violated our laws. With this being said, these questions are warranted due to the fraud and bad business practices that has occurred. Thank you for your time

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-30
Company: CNG HOLDINGS INC
State: GA
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 need these items removed from my credit report. On XX/XX/2021 I sent a notarized identity theft affidavit, and police report to the creditor, and items have not been removed from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-23
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Equifax is showing a debt from XXXX XXXX XXXX XXXX with a balance of {$270.00}, this debt is from 2009 and is past the statute of limitations. Seven Years

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-28
Company: EQUIFAX, INC.
State: NM
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I had my credit rating go way up several years ago so I bought a home for the first time, six years ago. Was late a couple of times on the mortgage about five years ago but not late on anything else since that time, and have paid off several credit cards to zero balance and paid off a {$5000.00} loan all within the past month. My credit was pulled two weeks ago and was close to XXXX, then it was pulled again and was XXXX. I was shocked. Last spring I tried to buy an R/V and the salesman pulled my credit many times -- without my permission -- and it hurt my credit, too. I am seeking to find out why my credit was brought down so low in such a short time. It 's unacceptable, and I will write to my congressman, congresswoman, FTC chairman, whomever, until this situation is fixed. My credit should by all rights be above XXXX right now. I am tired of being pulled down by the credit bureaus when I pay everything on time, and have for several years.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-06
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
On XXXX XXXX, 2016 i have disputed several fraudulent accounts and Public Records that was listed on my Equifax Credit Report however after Equifax received my supporting documentation i.e. Police Report and Identity theft Affidavit and letter ( s ) sent to the Court, Companies and Creditor Equifax still refused to block the fraudulent accounts being reporting on my report. I have provided a listing of the companies and Public Records i disputed with Equifax below, 1 ) XXXX Bankruptcy XXXX Filed XXXX 2 ) XXXX Bankruptcy Court Filed XXXX 3 ) XXXX XXXX Special Civil Part Filed XXXX 4 ) XXXX XXXX Special Civil Part Filed XXXX XXXX ) XXXX XXXX Special Civil Part Filed XXXX 6 ) XXXX XXXX Special Civil Part Filed XXXX 7 ) XXXX Mortgage 8 ) XXXX XXXX 9 ) XXXX XXXX 10 ) XXXX 11 ) XXXX

Company response to consumer: Closed with explanation