BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-18
Company: Rocket Mortgage, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I applied for a loan with Rocket Mortgage. I was initially approved for a XXXX loan. I eventually was approved for a loan up to {$500000.00} with a 3 % interest rate and an estimated payment of {$2800.00}. During the underwriting process I received several documents showing updated estimates of various costs. I obtained quotes for wind loss and peril insurance as well as flood insurance. On XX/XX/XXXX I received the closing disclosure document which showed estimated taxes of {$1600.00} and annual insurance costs of {$3700.00}. However the information that I had obtained and provided to Rocket Mortgage on XX/XX/2020 indicated that my total annual insurance costs would be approximately {$5300.00}. The estimated taxes verified by the property appraiser showed that they could be as much as {$10000.00}. In discussion with Rocket Mortgage associates, on or about XX/XX/2020 XXXX XXXX disclosed that the estimated taxes based on information obtained from the property appraiser would be {$7700.00} without a homestead exemption. The difference in the costs for insurance and property taxes between what was listed on the closing disclosure will result in an increase of {$500.00} or more to the monthly escrow payment. Once this increase occurs, my debt to income ratio on the back end will exceed 43 %. I believe this exceeds the debt to income ratio for a conventional loan. I pointed out issues with the estimated taxes and insurance to Rocket Mortgage staff on multiple occasions including XX/XX/XXXX via email when I asked for an updated closing document with the higher more realistic costs for insurance and taxes included. Eventually I conducted my own analysis and determined that my debt to income ratio with the higher taxes and insurance costs would exceed 43 % and would be closer to 46 %. 

I expressed to Rocket Mortgage staff on XX/XX/XXXX via email that I did not wish to move forward with the loan because I expected my monthly payment would be much higher than estimated and would be somewhere around {$3300.00} possibly more. I requested not to move forward with the loan and asked for a denial letter to stop the closing process. It is my opinion that Rocket Mortgage staff has not been truthful in determining the true monthly payment. They have ignored evidence of higher monthly costs, and ignored the debt to income guidelines. I am being forced to either continue with a loan I can not afford or lose my deposit of {$11000.00}, because of their refusal to decline the loan. Their refusal left me no other option but to withdraw for my own financial safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-11
Company: MERCANTILE ADJUSTMENT BUREAU, LLC
State: NY
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX paid my XXXX XXXX bill a few years ago and I am still making payments to repay XXXX. A collection agency tried to collect this debt and I filed a complaint on your website and uploaded proof. I just saw that another new collection agency just today, reported this debt to credit agencies XXXX etc. with statement " Account information disputed by consumer meets FCRA requirements ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-22
Company: LJ Ross Associates
State: NJ
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Indicated shouldn't respond to lawsuit

Complaint:
I formally dispute the validity of this debt. Please provide me with the following documentation that supports why you believe this debt belongs to me, and why you believe I owe this amount. 
invoices from XXXX to my address mentioned above. 
Please send me copies of the original application for this account, any signatures associated with this account, any bills associated with this account, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06
Company: Exeter Finance Corp.
State: MI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I settled an auto loan with Exeter financial llc.

It still show open and per the agreement it would be settled for less than the full amount. And they would not update the loan status as a charge off

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-13
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
WANTING TO MONITOR MY CREDIT REPORT DUE TO THE FACT I HAVE BEEN A VICTIM OF IDENTITY THEFT NUMEROUS TIMES HAVE HAD THE COMPLETE PREMIRE PROGRAM WITH UNLIMITED SERVICES CREDIT REPORT. BUT UNABLE TO OBTAIN MY CREDIT REPORT BY MYSELF. HAVE TO CALL IN EVERYTIME TO GET MY UNLIMITED REPORT. WHEN I ORDER MY CREDIT REPPORT ORDER SAYS ORDER ALREADY IN PROGRESS. WHEN I CALL CUSTOMER SERVICE SAID I NEED TO VERIFY INFORMATION. I ORDERED MY REPORT TO NUMEROUS TIMES BUT I HAVE UNLIMITED SERVICE. SO WHY DO I HAVE TO CALL IN BEFORE I GET A REPORT. THIS IS MISLEADING. AND I AM BEING CHARGE XXXX AND XXXX FOR HALF A SERVICE. AND EQUIFAX CUSTOMER SERVICE HAVE SENT UP NUMEROUS TROUBLE TICKETS AND THERE REMEDY IS TO CANCEL MY SERVICE AND REFUSE TO MONITOR MY REPORT. NEVER FIXED NEVER DELETED PREVIOUS REPORT ORDERED. SO IF YOU CAN FIX IT THEY WANT TO CANCEL. THEY ARE NOT PROVIDING A SERVICE. XXXX AND XXXX DO HAVE UNLIMITED SERVICE AND THEY TELL YOU TO REFRESH YOUR REPORT. AND EQUIFAX HAVE BEEN SENT NUMEROUS POLICE REPORTS AND THE FEDEERAL TRADE COMMISSIONS REPORT AND REFUSE TO REMOVE THE INQUIRIES. WHAT I AM TO DO. I CANT MONITOR MY CREDIT WITH EQUIFAX. THEY ARE A JOKE. IF THEY CANT FIX THERE PROBLEM WITH THERE SYSTEM THEY WILL CANCEL YOU. HOW DO I MONITOR MY CREDIT REPORT. WHAT DOES EQUIFAX COMPLETE PREMIER PROGRAM WITH UNLIMITED SERVICE MEAN. IF THEY CANT FIX UNLIMITED ORDERING REPORT AND YOU ORDER YOUR REPORT THEY TELL YOU DONT ORDER YOUR REPORT EVERYDAY EVEN UNLIMITED SERVICE IT IS A LIE. XXXX AND XXXX SAY IT IS 1 DAY SINCE YOU HAVE ORDERED YOUR REPORT REFRESH YOUR REPORT. THIS IS UNLIMITED BUT EQUIFAX SAYS DONT ORDER YOUR REPORT UNLESS YOU GET AN ALERT. BUT YOU HAVE UNLIMITED SERVICE. THEY TELL YOU WHAT AND WHEN YOU SHOULD ORDER YOUR REPORT AND IF YOU ORDER TOO MUCH THEY ARE OVERLOADED AND YOUR SERVICE IS NOT UNLIMITED. THEY NEED TO FIX THIS AND REFUND MY MONEY FOR A YEAR.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-13
Company: National Principal Group, LLC
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:
National Principal group company on my cell phone first there automated messages stating to contact them or my legal advisor. The second I spoke with a gentleman name XXXX stating I owe a pay day loan from 2010 and he had my name the last XXXX digits of my social security and the name of my bank and the wrong last digits of my account. He stated I owed {$700.00} and XXXX XXXX dollars is late fees. Also, stated I can just pay {$300.00} and I told him to send me the information e-mail. I received the e-mail and the only way I could open the attachment if I entered the last XXXX digits of my social security number. I never applied for a payday loan from the company he stated XXXX XXXX. The call is fraudulent using my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-25
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
OVER A YEAR AGO SOMEONE STOLE MY IDENTITY OPENED UP A CREDIT CARD ACCOUNT WITH XXXX AND XXXX. I PROVIDED EQUIFAX WITH MY POLICE REPORT, FTC AFFIDAVIT, AND PROOF OF THE PERSON THAT WAS BEING INVESTIGATED FOR THE THEFT OF MY IDENTITY AND EQUIFAX NEVER NOTIFIED THESE BANKS THAT I HAD A FRAUD IDENTITY CASE FILED AGAINST THE PARTY THAT STOLE MY IDENTITY. INSTEAD THEY IGNORED ALL MY POLICE REPORTS, DOCUMENTATION AND INDICATED FOR ME TO CONTACT THE BANKS INSTEAD. FOR AN ENTIRE YEAR MY CREDIT HISTORY HAS SUFFERED BECAUSE OF THESE BANKS AND I WANT THEIR ACCOUNTS REMOVED IMMEDIATELY FROM MY CREDIT REPORTS OR I WILL BE FILING ADDITIONAL CIVIL AND FINANCIAL CHARGES AGAINST BOTH BANKS FOR ALLOWING THE FRAUDULENT ACCOUNTS TO CONTINUE ON MY PERSONAL CREDIT HISTORY. FOR AN ENTIRE YEAR EQUIFAX HAS RECEIVED THE POLICE REPORTS PROVIDED TO THEM REGARDING THESE BANK CREDIT CARDS AND TO DATE THE BANKS NEVER REMOVED THE CREDIT CARDS FROM MY CREDIT REPORTS AND I WANT THESE FRAUDULENT ACCOUNTS REMOVED!!! IF XXXX OR XXXX WANT TO RECEIVE THE POLICE REPORTS THAT I HAVE PROVIDED FOR AN ENTIRE YEAR TO EQUIFAX CREDIT BUREAU THEN THEY WILL NEED TO CONTACT EQUIFAX TO OBTAIN THEM CONSIDERING EQUIFAX ADVISED ME SEVERAL TIMES FOR AN ENTIRE YEAR THAT ALL INFORMATION WAS VERIFIED AND PROVIDED TO XXXX AND XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-31
Company: Fairway Collections, LLC
State: WA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action
Sub-issue: Sued where didn't live/sign for debt

Complaint:
I hired an lawyer for a legal matter, she when on maternity leave after taking the case and handed it off to another lawyer. However I was still being billed for XXXX lawyers. I was charged from the lawyer that went on maternity leave the day after she had her baby for a court hearing to which she was not there at. I did not sign a retainer document for the second lawyer but they demanded that I pay XXXX retainers. XXXX lawyers charged me for the same items, and not the credit collection company is telling me that they are going to take me to court. They faxed me the " proof of debt '' and their own ledger does not support the amount of money being asked for.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I went through this awhile back, Bank of America lost my mortgage to the tune of $ XXXX.They would not do anything to set it right. They were to busy because they were selling a Bank in XXXX. The other Bank was a shady one also. How can the XXXX let this go in our country. Got to go now steamed up again!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 2015-08-18
Company: U.S. BANCORP
State: MN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
I signed a Reaffirmation Agreement with US Bank /US Bancorp on XX/XX/XXXX which states a fixed rate of interest 3 % for 375 Months, filed with US Bankruptcy Court . They are now saying that the modification done in XX/XX/XXXX is what is binding and that the reaffirmation agreement is only for credit reporting purposes. They have not reported any of my mortgage payments for the past 5 years to any of the XXXX credit bureaus. And are now raising my interest to 4 % for XX/XX/XXXX then 5 % XX/XX/XXXX and are amortizing the loan 400 months.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-30
Company: United Accounts, Inc.
State: WI
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
a few months back I noticed a decrease in my credit score so I investigated.I hired XXXX to look and they told me there was a collection action placed against me in XX/XX/XXXX by a company called United Accounts Inc. XXXX. So XXXX XXXX filed challenges with the credit bureaus and one has removed the item two remain. I also contacted United Accounts and was told this was supposedly a debt from an old landlord from XXXX This debt was paid in full by my father. We actually traded my living room furniture to the manager and he cleaned the apartment and washed the carpets. 
United accounts told me they received this debt in XXXX I then asked why I did n't receive a letter informing me of this debt, allowing the 30 days to challenge/prove I did n't owe it. They then told me that they sent a letter to the address I vacated I told them I was a student and never used that address I only used my home address and it was on the lease and I stated that the creditor should have provided that, At the very least when the first letter if sent was returned to them. I was then told they were not required to and eventually I would be forced to contact them with a collection item on my credit reports. 
This is when I filed the first complaint with your agency. I called your office last week and spoke to a gentleman there asking what happened because I just heard from a collection company in XXXX called XXXX attempting too collect on this.They told me the company that sent it to them was United Accounts. He then told me they very briefly responded to the complaint on XX/XX/XXXX stating they will send a letter to me and then apparently that closed the complaint. I informed him of this action by them and he suggested I refile a complaint and state all of this. By the way I have to this day never received any contact from United Accounts. So to sum it up United accounts received a paid off year old " debt '' and chose not to confirm this debt with me and when I filed a complaint very briefly answered it and never followed through with there answer but instead chose to punish me for filing the complaint by forwarding the debt to another collection company. This is XXXX!!!

Company response to consumer: Closed
Consumer complaint received 2017-02-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Transunion was called and told that my payment with my loan were on time and never late once. Now they have changed it to all late and every payment late. I spoke with my bank and they said it 's transunion because they called and told them all payments were on time. And not XXXX payment was late. I think something is wrong with transunion because they made my moms credit drop and changed all her payments to late as well. Then when I called to complain I was told I would have to pay them XXXX to have my correct credit score. One agent told me that they saw it was reported wrong another agent said they could n't see I told and then another agent said that when I pay the XXXX it 's a different report and score than what 's online.

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 2017-01-23
Company: JPMORGAN CHASE & CO.
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
My loan started at 6 % and now it is at 10 %. I think the interest is predatory and keeps me in debt. I want all of the interest remove since was raised to % 10.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06
Company: EQUIFAX, INC.
State: PA
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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18
Company: SYNCHRONY FINANCIAL
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
On XX/XX/XXXX, I opened a XXXX Credit Card that is under Synchrony Bank. On XX/XX/XXXX, I called XXXX to close the account. I had never registered or used the card so my account balance was {$0.00}. 

However, I noticed that XXXX had opened another credit card account for me instead of closing my original one. Now there are currently two credit card accounts under my name in XXXX. I had no knowledge that another account was opened and I did not consent to opening another account. I also never received the other cards for the second account and I can not log in online to my account to I am concerned about being able to properly close both accounts due to the company 's poor service and malpractice. I am also concerned about XXXX opening another account for me without my knowledge again. These disturbances has also negatively affected my credit score.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-20
Company: Nelnet, Inc.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
In XXXX 2015, the student loan servicer lost my documentation to support a new payment plan. I have an email that was sent to them with the documentation, my social security number, and name which was what the associate said was needed to submit the documentation. In XXXX 2015, after 2 months, I was notified of the missing documention in XXXX 2015 the agent told me if I made a payment my loans would be current and my credit would n't be affected, so I made a payment. Now knowing better I checked five weeks later, my repayment plan had still not been processed, so I had to make another payment to keep my loans ( what I thought was ) current. The following month I checked again and my payment plan was in place, I set up auto pay and did n't think of it again until I applied for a mortgage and was surprised to find that in XXXX 2015 I was reported 120 days late on XXXX separate accounts seriously affecting my ability to secure a mortgage. I called the servicer to file a credit complaint and was told that it appeared a payment was processed incorrectly and that the department is not reachable by phone and this matter would take 7 to 10 days. When I called 7 days later I was told this was still in process and they would contact me for a resolution. When I called to check on the progress at 10 days I was told that I was misinformed and that these claims take a full 30 days. I was also told that there was nothing I could do to dispute the misinformation I was given. I asked to speak to a supervisor, who advised me that I could not contact the resolution department, that I could not move my loans to another servicer and that I would be forced to wait as this situation appeared to be due to my fault for not paying from XX/XX/XXXX to XX/XX/XXXX ( still not 120 days past due ). I asked to speak to a supervisor again and was told that I could not speak with anyone else and that he would submit my case as a teaching tool for other associates to assure the misinformation was corrected. I received an email that a complaint was submitted.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-24
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
At the end of XXXX and beginning of XXXX I was victim to someone fraudulently using my credit card on my XXXX account. There were XXXX transactions : XXXX for {$470.00}, XXXX for {$480.00} and XXXX for {$510.00}. These were all associated with XXXX however I have never put this account into my XXXX. I did not make any of these purchases nor have I received any good for these purchases. These vendors are unknown to me and I do not know what they are for. I submitted the paperwork for my dispute on XXXX/XXXX/2015 after reviewing my statement and noticing these fraudulent transactions. I had received a credit on XXXX/XXXX/2015 but on Friday XXXX/XXXX/2015 it was reversed. I received no communications or explanations for this reversal and no one in the customer service line has been able to help me. I have set alerts on my account to email me of any suspicious activity and have cancelled my debit card since I seldom use it anyway. 
on XXXX i received a call back from chase XXXX was advised that they could not help me further and they received enough evidence. If i had any further question to contact XXXX. 
I was given the following XXXX transactions to research. XXXX, XXXX, and XXXX speaking with XXXX I found out the following. 
1. These transactions were not made on my account, my account is XXXXXXXXXXXX and has been open for several years, the transaction were made on an account XXXXXXXXXXXX which was created on XXXX/XXXX/15 the day before the first fraudulent transaction. 
2. The transaction have no associated tracking numbers of any products that have been shipped. 
3. The fraudulent user id noted above of XXXXXXXXXXXX has been suspended for fraudulent activity4. XXXX says they recognize as fraudulent and as such have sent the money back to chase. 
I am left puzzled at this point if XXXX says that the transactions are fraudulent, and the money has been sent back to chase. Why then have the transaction not been reversed on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-12
Company: Residential Credit Solutions, Inc.
State: IL
Product: Debt collection
Sub-product: Mortgage
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
XXXX XXXX XXXX, XXXX, RCS AND FINALLY XXXX ARE ALL VIOLATORS OF FDCPA AND DODD-FRANK ACT.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-04
Company: LoanCare, LLC
State: WA
Product: Mortgage
Sub-product: VA mortgage
Issue: Credit decision / Underwriting

Complaint:
My Mortgage lender, since 2012, has been XXXX Mortgage. I am attempting a refinance with another company. My credit score is around XXXX and all is in order. XXXX Mortgage lists me as current and up to date. Unfortunately, LoanCare is reporting me as over 120 days delinquent on the same loan held by XXXX Mortgage. With this blemish on my credit report, I can not get the funding for the refinance.

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 2017-03-30
Company: Nelnet, Inc.
State: MI
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
Nelnet is constantly re aging my account adding on late fees. I opened this account in 1998. I never received notice about my account status being out of forbearance or late at all. I was in the miitary for 10years and worked with XXXX. I was told that I could not get a forbearance. I am on public assistance I cant get a job in my field because of the late payments. Please help me they are not willing to work with me

Company response to consumer: Closed with explanation