BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-07
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I currently hold an FFEL loan which is serviced Navient. I began the process of consolidating the loan on StudentAid.gov ; however, the data furnished to the department of education is inaccurate. Interest rate on my loan is XXXX, whereas the data furnished by Navient to the Dept of Education says it is 4.88 %. The consolidated rate quoted by the department of education is 5 % which amounts to a substantial increase in my interest rate if I were to consolidate. I contacted Navient and they maintain their reporting excludes an autopay discount. This practice by Navient of reporting the higher interest rate prevents me and other borrowers from consolidating at a reasonable interest rate because the rounded-up blended rate quoted becomes much higher and discourages borrowers from taking sdvsntsnge of consolidation.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-28
Company: Rocket Mortgage, LLC
State: OK
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
I have had problems with Quicken Loans from the start of the application process in XX/XX/XXXX. They promised to have my loan processed by XX/XX/XXXX and it was XX/XX/XXXX before it was actually closed. The reason for the delay was because they failed to obtain an appraisal. They went outside the area for the appraiser, when they could have had one in my town, and it took the appraiser 30 days to schedule and then 30 days for the report. I also sent the required forms to them as soon as possible and several times they claimed they did not receive them when in fact they had. 
I am now having problems trying to payoff the loan. A portion of my property was taken by the State of Oklahoma Transportation Department for eminent domain. I received my check from the State on XX/XX/XXXX and called Quicken Loans that same day for instructions for payoff. They told me it would take 3-4 business days to complete the process and to send them a authorization letter along with the signed check. I mailed the required authorization letter, signed check, and copies of the ODOT letter by certified mail on XX/XX/XXXX. I get a call from Quicken Loans on XX/XX/XXXX saying they did not get the authorization letter ( they did not say they got the check ). It scared me because I thought the check was lost. I know that I sent the letter because I made copies of everything I sent. It is not in my files nor in my scanner. I double checked my documents before I sent them. I am very meticulous and organized. Someone at Quicken Loans lost the letter. I was gone from my home for five days and when I got home I checked my messages I found out they did not have the letter. I called Quicken Loans the next day and they told me I had to re-submit it. So I sent a copy by email. The person I spoke with then told me it would take 3-4 days to process it plus 7-10 days for a refund. That was not what they had told me. I was expecting the refund by XX/XX/XXXX at the latest. 
She also told me that my refund is around {$30000.00} when in fact it is over {$36000.00} because of escrow deposits. I think they are trying to cheat me. I paid a lot of money for this loan. 
I wish I had never dealt with Quicken Loans. They are unprofessional and do not do as promised. During this whole process I have talked with at least a dozen or more people, never the same person. It was and is still very frustrating. I understand that it takes CFPB 15 days before they can do anything to help, I want to inform the public about Quicken Loans ' procedures and their failure to perform as promised and about possible fraud if in fact they are not paying me my full amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-27
Company: EQUIFAX, INC.
State: TX
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:
Equifax and XXXX are reporting incorrectly that I am ( 120 ) days late on the XXXX XXXX partial account number XXXX. ( Please see pages attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account with a {$0.00} balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 2 ) bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-14
Company: National Credit Systems,Inc.
State: SC
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
I mailed a certified letter to verified the debt and no response and I need ask for removal of deletion off my credit files if cant provide. no response.. NO CONTRACT

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: Experian Information Solutions Inc.
State: MD
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, XXXX XXXX XXXX XXXX LXXXX XXXXNK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, has violated my rights. 


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 a 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 explanation
Consumer complaint received 2022-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX, has violated my rights. 


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 a 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 2019-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 and Transunion are reporting incorrectly that I am ( 120 ) days late on the XXXX XXXX partial account number XXXX. ( Please see pages attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account with a {$0.00} balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 2 ) bureaus to remove this however, I have not been successful.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23
Company: EQUIFAX, INC.
State: SC
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 submitted documents where the collector states that I dont have an account with them and the bureaus continue to allow the collection on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-16
Company: BBVA FINANCIAL CORPORATION
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I am so angry at them I just want to cry and they could care less about their customers. Obviously because their customer service never responds and who has time to wait on the phone for over 45 minutes. Ive gone in to deposit checks and they cant even find me in the system. Ive been a customer for almost 2 years. 
Their unexpected fees are deceitful. 
They charged my savings account on XXXX XXXX {$15.00} for a service fee and on the same day {$29.00} in excess transfers ... all without me ever knowing they do this. Why dont they alert us if we are going over our monthly limit which I never did. 
I inquired about them on XXXX XXXX and received this response Upon reviewing your information, we were able to verify that your account ending inXXXX is a XXXX XXXX XXXX account. For this type of account, there are only four free withdrawals allowed per quarter ( 3 months ) at no charge. A {$3.00} excess transaction fee will be applied for each withdrawal transaction in excess of the four per quarter cycle. 
The Federal limit is 6 per month. XXXX I had 3. XXXX I had 5. It shouldnt matter what account I have. 

Then, I recently changes jobs so had to mobile deposit a check, a corporate check since my direct deposit hadnt taken place yet. It took them over a week to release the check. In the meantime, I could see they were including it in my account and letting my use my card. Called and emailed numerous times about the hold and release times. Emailed and tweeted on XXXX XXXX & XXXX and talked with someone on the XXXX. 
Check was deposited on XXXX XXXX and released on XXXX XXXX. Then they charged me {$340.00} in insufficient fees. 5 on XXXX XXXX, 2 on XXXX XXXX and 1 on XXXX XXXX. 
On XXXX XXXX I emailed regarding the charges, got a response about setting alerts and I responded on the XXXX. No response. 

None of the responses were helpful at all. 
Now Im negative and still being charged fees. And have no money. Like them charging my savings when there was no money there. Or asking over three times to turn off my over draft.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-12-27
Company: EQUIFAX, INC.
State: TX
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:
Equifax and XXXX are reporting incorrectly that I am ( 120 ) days late on the XXXX XXXX/XXXX partial account number XXXX. ( Please see pages attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account with a {$0.00} balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 2 )  bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-27
Company: Specialized Loan Servicing Holdings LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Obtained payoff quote and their procedure from Specialized Loan Servicing on how to payoff the balance of my loan. Mailed by priority mail XXXX a cashier 's check from XXXX XXXX XXXX for {$680.00} which a copy of the cleared check from XXXX XXXX shows it was received by SLS XX/XX/19 by XXXX 6. The payment was due XX/XX/19. 
Continued daily follow up with SLS since XX/XX/19 shows they have never posted this payment to my account indicating payment in full. 3 emails sent, 1 fax sent and confirmed, 10 phone calls all multiple requests only results in extended hold times and no results. 
I request that my account reflect paid in full as they have the money received in a timely manner and that all liens and paid in full paperwork be completed indicating no derogatory reflection on my credit.

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 2017-04-13
Company: Ocwen Financial Corporation
State: AZ
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
loan XXXX Ocwen has failed to do a loan modification to h assist the homeowner ; now ID XXXX XXXX XXXX of Ocwen is requesting a " down payment ''. A down payment of {$100000.00} was made when the home was purchased 10 years ago. A repayment plan needs to be structured by Ocwen to assist homeowner.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: Experian Information Solutions Inc.
State: MI
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, XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXXXXXX Acct # XXXX, XXXX XXXX Acct # XXXX, XXXX XXXX XXXXXXXX XXXX Acct # XXXX, and Dept of EDXXXX XXXX # XXXX has violated my rights. 

XXXX XXXX.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 a 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 2018-03-06
Company: Experian Information Solutions Inc.
State: AL
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 submitted a dispute through Experian. {$68.00} was written off and the company ( XXXX XXXX XXXX ) is reporting {$68.00} is past due as of XX/XX/2018. How can that about be past due if it was charged off? The company refuses to remove it from my credit report even though there isn't a balance owed.

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 2022-01-21
Company: EQUIFAX, INC.
State: FL
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:
My name is XXXX XXXX. There is no third party involved. I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I I Filed a complaint number ( XXXX ) with the CFPB to ( Equifax ) and they responded that they sent it to the company however This company has failed to address this complaint and they didn't notate the dispute on my credit reports. I have attached screenshots for proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22
Company: Early Warning Services, LLC
State: MA
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 have had a SEVERE problem with Early warning Systems regarding a report regarding XXXX which was an account I was held responsible for even though I was the victim of a Romance Scam which I have ample proof of. I was called by Early warning Systems about 2 weeks ago and was told that the " XXXX file '' was being taken off my report and I could re-activate my XXXX XXXX XXXX XXXX account. I therefore contacted XXXX and asked them to re-run the early warning report, but instead of activating the account, XXXX closed my account as early warning did not fix the problem as reported, and now I am RUINED financially and barely surviving as I have been the victim of multiple of Identity thefts and hacks and as a XXXX year old need to really have some help, and managed even get statements from the woman who did this to me as contacted me again as she was trying to " drag '' me into another questionable transaction but I have her blocked now and I am requesting some specific assistance as I face so many issues now that I am worried about pure SURVIVAL. Is there some way that I can put together all the documentation and ask for the CPFB to intervene into this complex case which did yield me not a XXXX and now I can not even open a bank account ... PLEASE!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022, and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. KINDLY UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-14
Company: Credit Karma, LLC
State: SC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
A XXXX credit card was opened in my name with a {$4800.00}. Limit. It has since been over limit to over {$6000.00}. I learned of this through CREDIT Karma app. I also have XXXX dings. From collection companies that I have No idea about. I did have a bankruptcy several years ago but that information should 've fallen off by now ...

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-27
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I requested and received from Chase Bank an e-mail with a code for a {$600.00} sign-up bonus for new customers. I received this e-mail on XX/XX/2019 at XXXX XXXX to my personal e-mail address. This e-mail is shown as Figure 1. I followed the steps exactly as shown on the e-mail and clicked the blue Open an account button with the fine print which reads, Coupon code automatically applied. Once I opened the account I set up direct deposit and deposited the qualifying amount of new money as described. I followed up three months later and was told I never entered the code, much to my dismay since the coupon code should have been automatically applied. 

Anyway, fast forward to today and through numerous calls with Chase customer Service and Research Department staff, too many to recount here, Chase Research Department staff XXXX ( Contact XXXX extension XXXX ) finally got back to me with the unfortunate news. On XX/XX/2019 at XXXX XXXX and lasting 17 minutes, XXXX began to inform me that the XXXX researching my case ( whom I was not able to speak to ) stated that the customer ( myself ) had not applied a coupon code nor navigated to Chase offer page around the time of account opening. I explained to her that I did not need to do any of that because the email stated that the coupon code was automatically applied! I was notably upset, and she refused to assist in any other way other than insisting there was nothing more she could do. In addition, there was no way I could forward to the Chase Researchers any documents to make my case. In addition, they would NOT provide me with the reasoning in writing as their findings. They stated that, and Im quoting, the research findings are internal documents. This feels like a financial institution not wanting to keep auditable and legal documents available. Chase needs to release these documents, fix their email promotion system and award me with the {$600.00}. I am looking for the CFPB ( Consumer Financial Protections Bureau ) or the OCC ( Office of the Comptroller of the Currency ) to assist in this manner. 

And, on a more basic human level, does it even matter technically what happened? If the email link broke and there was some sort of technical glitch, I am a new Chase customer that followed every step of the terms of the promotion, just a few days after a promotional code was emailed directly to my very active, main personal email account. It just seems utterly ridiculous that Chase would refuse to honor this and the way I was treated and the service I received is unbecoming of such a large national institution.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-03-14
Company: CL Holdings LLC
State: UT
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
My wages are currently being garnished for a debt that is past the time-barred statute of limitations for it's being collected using these means. I was not served documents or paperwork stating that there would be a court date or hearing, I was unaware of the court proceedings and could not make my defense about this at the time. The original debt was for a revolving credit card and the limitations for that are 4 years in the state that I live in. The current amount being collected is {$6000.00} and the garnishment has been awarded to them for the full 25 % allowed deduction from my salary. The last date that there was any transaction with the account was in XX/XX/XXXX, that was a garnishment as well. The account went to collections in XXXX. The original debt was for a credit card that had a {$1700.00} limit, the interest rate they're charging is at 23 % and I'm overwhelmed by the nature of both the abrupt garnishment and the inescapably large amount of money that this company is attempting to take from me.

Company response to consumer: Closed with explanation