BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-08
Company: Rocket Mortgage, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I am submitting this complaint in regards to the process of trying to find rates for mortgages. I am interested in finding out what the current rates are in the market, however each lender is requiring so much personal information just to get the rate quotes! This shouldn't be this way, we should have access to the current rates without having to provide so much personal information, which includes salary information, social security numbers, etc. 

I realize it is important for lenders to screen individuals to see if they qualify for a loan, but that process is left for later on when the individual would like to pursue the loan. The act of simply gathering information on current rates ( for particular situations such as primary home or secondary home, 1st mortgage or refi ) should be open and transparent to the consumer without having to provide personal and private information! 

I think it would best serve the consumer if we had a policy of open and transparent published mortgage ( or any type of loan ) rates available to the consumer ... and stop this practice of acquiring an abundance of personal and private information ( including social security numbers ), just to get rate quotes!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12
Company: CHS, Inc.
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I have made a payment on my medical bill to the debt collector, on XX/XX/2022. I had received a letter on Friday, XX/XX/XXXX, stating that I did not pay my bill for XXXX, and that they have done all they could do to collect. I have attached my bank statement, showing the date when my payment went out, as well as the letter showing they have exhausted every effort, and option to collect payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22
Company: Kashia Services
State: MI
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
Took loan for {$950.00} XX/XX/2020 from Better Day Loans. As of XX/XX/2020 we have repaid {$850.00}. Payed off loan on XX/XX/2020 and was charged {$1200.00}. Which is {$380.00} over the initial principle amount of {$950.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12
Company: Debt Recovery Solutions, LLC
State: LA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Debt recovery Solution LLC. 
ref # XXXX Pin # XXXX XXXX XXXX  XXXX failed to file with my insurance company. 
Is issue was dispute a yr ago and keep reoccurring each year.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-31
Company: JPMORGAN CHASE & CO.
State: LA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
My father died in 2009 with a mortgage debt that was in pre foreclosure. I inherited the property and have been communicating with the mortgage company since his death to rectify the mortgage and bring it current. I went through loan modification programs, I 've sent them a lump sum payment in which they returned and then they denied the modification and told me I had to assume the loan and while going through that process, they foreclosed on the property. Almost 2 years later they rescinded the foreclosure. I then put the property up for sale and because of the years that has passed the loan has nearly doubled causing me to have to sell it for less than what I owe. The bank then denied the short sale. Currently, I am re listing the property again for a higher amount but the loan is still almost double. I have asked that they forgive and/or waive the accrued interest, attorney fees, late fees and other expenses as they wrongfully foreclosed on the property. The latest payoff still reflects all of these fees and accrued interest including the years that they wrongfully foreclosed on the property.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I Was Charged For A Balance Transfer, By TD Bank, That I Did Not Approve. Plus The Fee. The Total Amount Is : {$2300.00}. This Transaction Was On XX/XX/2022. This Fraudulent Theft, In Addition To The Amount, That I Have Listed, In My Previous CFPB Complaint # XXXX Of {$2400.00}, Will Make The TOTAL That TD Bank Scammed From Me Is : {$4700.00}. My TD Credit Has Been Locked.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-19
Company: National Credit Systems,Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I noticed National Credit systems on my credit report stating that I owe an apartment complex by the name of XXXX XXXX. I called the apartment complex which the lady I spoke with said no we dont have your information on file. I called national credit systems and the lady I spoke with was very rude. She wouldnt let me talk and when I decided to speak up and inform her that I was a victim of identity theft and I never lived at this residence she hung up on me. I tried to call back she wouldnt answer. I found their email online on their website and emailed the required documents on XXXX XXXX. This collection is still on my credit report which it should not be at all. I am a victim of identity theft. An identity thief used my personal information without my permission to open an account and make purchases with XXXX XXXX XXXX. This debt is not mine.. The information listed below, which appears on my credit report, does not relate to me. This account was fraudulently opened in my name. XXXX also decided to hang up on me when I said I was submitting a complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-01
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I requested free credit reports through the site annualcreditreport.com on  XXXX / XXXX /  XXXX  .  XXXX  of the companies provided the report. Equifax did not provide the report. They told me to download a form to fill out and mail in. I called them on the phone and could n't speak to anyone. My friend said this happened to her both times she requested her report in the l ast two yea rs. This is my first time requesting a report. A quick search for complaints about Equifax shows we 're not alone. This is obviously standard procedure for Equifax to force people to buy a report when they ca n't access their free report. I refuse to be victimized by a company in long term blatant violation of the law. Please investigate and correct.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I am filing this complaint because XXXX, Transunion, XXXX has ignored my request to provided me with the documents that their company has on file that was used to verify the accounts I disputed. being that they have gone past the 30 day mark and can not verify these account under section 611 ( 5 ) ( A ) of the FCRA -they are required to promptly delete all information which can not be verified that I have disputed. Please resolve this manner as soon as possible. Thank you

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 2022-10-19
Company: Experian Information Solutions 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:
I did not do business with these companies. Please remove everything, including these other accounts : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Credit limit of XXXX. Also, these credit card accounts were closed due to some unknown charges after it got stolen : XXXX XXXX, XXXX XXXX Balance XXXX, XXXX XXXX Balance : XXXX, XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX Balance XXXX. These are unauthorized charges made by someone else. Lastly, this is another Fraudulent inquiry that I want removed : XXXX FUNDING Date : XX/XX/2020.

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 2022-10-19
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:
EQUIFAX CONTINUES TO FASLEY STATE THEY HAVE NOT RECEIVED REQUIRED DOCUMENTS ACCORDING TO FCRA XXXX XXXX I HAVE SENT PROOF OF DOCUMENTS AND TRACKING NUMBER IN PREVIOUS CFPB COMPLAINT WITH EQUIFAX AND THEY CONTINUE TO WILLFUL NON-COMPLIANCE AND DEFAMATION OF MY CHARACTER ALONG WITH FURTHER DAMAGING MY CREDIT REPORT. I HAVE PROOF EQUIFAX FALSELY STATING THEY HAVEN'T RECIEVED MY DOCUMENTS IN THEIR LETTER I HAVE RECIEVED ON XX/XX/2022. I HAVE RESULTS THEY HAVE GIVING ME OF PREVIOUS DISPUTE RESULTS OF THEM RECEIVE MY POLICE REPORT AND FTC IDENTITY THEFT REPORT FOR EQUIFAX HAS REMOVED SOME BUT NOT ALLLLL FRAUDULENT ITEMS WHICH WAS REQUESTED NOW EQUIFAX REFUSE TO SEND ME PROOF OF AUTHORIZATION/WRITTEN INSTRUCTIONS FOR THIS FRAUDULENT ACCOUNT WITH XXXX  XXXX. EQUIFAX CONTINUES TO VIOLATE MY RIGHTS TO PRIVACY AND DISHONOR FCRA 605B AND NOT PROPERLY INVESTIGATION AND BLOCKING AMD DELETING ITEM ACCORDING TO SECTION 605B SO THIS WILL BE PROOF OF DEFAMATION OF CHARACTER, WILLFUL NON-COMPLIANCE, AND DAMAGING MY LIVELIHOOD DUE TO ENABLEMENT OF THIS FRAUDULENT ITEM AMD WILL BE PRINTED OUT AND USED FOR REMEDY AND PROOF FOR YOUR DAMAGES AND VIOLATIONS AFTER RECEIVING THIS REQUEST.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-30
Company: JPMORGAN CHASE & CO.
State: TX
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
The IRS put the owed amount of a private loan on to my tax return to be paid back as a return. 
The school refuses to release my XXXX degree until the loan is paid. 
The guarunteed loan service refused to pay for my final semester to graduate and so I had to take out a private loan. 
Over {$XXXX} has been added to what was borrowed since the loan was made.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-17
Company: Ad Astra Recovery Services Inc
State: TX
Product: Debt collection
Sub-product: Payday loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I was a victim of identity theft and noticed a collection from Ad Astra I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against Ad Astra in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
The below address is not mine. I have never lived at that address. 
XXXX GA 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 non-monetary relief
Consumer complaint received 2015-11-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
Personal Information Errors : Wrong name listed and Address I 've never lived at or used as a mailing address : XXXX, XXXX, XXXX and XXXX XXXX XXXX is the wrong name listedXXXX XXXX XXXX XXXX XXXX, TX XXXX is the address I 've never lived at or used as a mailing address. 

Personal Information Errors : Wrong name listed and Address I 've never lived at or used as a mailing address. 
This information is on my credit report and it is incorrect. That is not my name and it never has been and I have never used that name. The address is incorret as well, I have never lived or been to that address. I have never lived in XXXX tx.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-19
Company: Bridgecrest Acceptance Corporation
State: LA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
BridgeCrest Loan company, repossessed my vehicle ( XXXX XXXX ) on XX/XX/2022 without judicial order. I called BridgeCrest on Monday, XX/XX/2022, requesting the location of my vehicle and informing them that I did not receive a court order in regards to the repossession. I informed the representative that in order to repossess my vehicle a court order must be file, and I would have to receive this notice regarding the repossession. The representative to me that a judicial order was file, but she refuse to disclose when the court order was filed and to which court circuit. BridgeCrest, is in direct violation of USC 15 1692f ( 6 ), which states, provides liability for unfair practices including [ t ] aking or threatening to take any nonjudicial action to effect dispossession or disablement of property if ( A ) there is no present right to possession of the property claimed as collateral through an enforceable security interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-22
Company: JPMORGAN CHASE & CO.
State: MA
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I had XXXX chase credit cards, I 've had them over a year and have always paid more than the minimum due and have never missed a payment. My cards were stolen or lost and fraudulent charges were on my statement. Chase was very helpful to return the funds from those transaction but they never changed the credit card number so the cards were charged again by the same vendors multiple times. Finally someone in their fraud department realized what was going on and changed my credit card number. But now Chase has canceled my cards stating that I have too many fraudulent changes from the same vendors even though it was their internal error! I called and they can not give me the number of the department that makes these decisions and their is no appeal process. I was to apply for a new credit card but that would mean carrying additional debt and a hard inquiry to my credit report. Chase has severely hurt my credit report since I now have closed accounts with balances and my debt to credit ratio has sky rocketed because of their own error.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I spoke with CapitalOne " senior account XXXX XXXX '' today regarding the excessive and improper annual membership fee and subsequent late fees and finance charges on my XXXX XXXX credit card account ending in XXXX. Notwithstanding that {$59.00} annual fee is excessive in the first place, it is improper when I rarely use the card, and therefore do not receive any of the benefits, notably the % cash back that CapitalOne advertises. 

In prior years, CapitalOne customer service agents had the authority to remove the fee ( s ) as a customer accommodation, but apparently now they do not. Adding insult to injury, there are XXXX subsequent months ' of late fees and related finance charges, AND, CapitalOne is reporting the card account as delinquent to the credit bureaus.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ND
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
XXXX has refused to stop allowing an collection agency to report incorrect information on my credit report. XXXX receivedan email from the reporting student loan company that they had the wrong person. XXXX was made aware of the email and the fact that the student loan told XXXX that they had the wrong person in writing. XXXX has denied me the right to good credit with this incorrect information. This is affecting my life and my kids life. I 'm a homeless mother trying to buy a house. I ca n't with the fact that XXXX is ruining my life and any chance of financial help due to misleading information that is placed on my credit report. I 've filed a lawsuit against XXXX because of how I was treated by them and the lack of concern that was givven to my identity theft case and proof that the company admitted that they had the wrong person. They said they did n't care do what I had to do so that 's exactly what I did.

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 2022-10-19
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/2022, I transferred {$75.00} to my brother ( who lives alone and is on social security ) via PayPal to help him with his groceries. I had made these transfers through PayPal to him before without issue. When he did not receive it, I transferred another {$75.00} to brother, both of these immediately came out of my bank account but did not go into his. Later I transferred a XXXX and XXXX {$75.00} but was able to cancel those when XXXX advised that he had received nothing from PayPal. I have have written and called PayPal numerous times trying to resolve this and to either have them find this money or return it. I have asked that investigation be accelerated. I was told that it was resolved BUT my brother still doesn't have the money and neither do I. They show it in an account that my brother does not have access to. In a phone conversation with PayPal, they told me to have brother contact them and when he did, they just referred him back to me. PayPal has exerted minimal to no effort to find this money and with the cost of groceries, I really wanted to help my brother on a regular basis because he had had to drastically change his shopping ability.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-16
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card
Issue: APR or interest rate

Complaint:
I receive a promotional mailer ( not a statement ) with XXXX printed blank checks to be drawn from my Southwest Rapid Rewards ( Chase ) credit card at least once a month soliciting a cash advance. They claim the APR is 0 % for the first year. Since a minimum 2 % fee is required, I calculate the APR at a minimum 2 % if the borrower paid no principal during the first year. The APR would be greater than 2 % if the borrower paid the principal down in the first year. This would appear to violate Reg. Z as it is more the .5 % different that the stated APR of 0 %.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I have several duplicate hard inquiries on my credit report from XXXX that were supposed to be removed but they are still there and affecting my ability to close on a house in 30 days. I am not working with this mortgage company. They should not be allowed to make multiple inquiries. I never game them permission to make multiple inquiries. 
The inquiries are as follows on Transunion, XXXX, and XXXX XXXX, XXXX inquiries on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/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 2017-02-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
TransUnion deleted all inquiries and also added them back on which is against FCRA. I would like them all removed for good. With no addition later

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 2017-02-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
TRANSUNION IS CONTINUOUSLY ALLOWING DEBT PURCHASING COMPANIES TO PLACE DEBT ON MY REPORT WITH NO PROOF OR SIGNATURES OR VERIFICATION. i HAVE BEEN FIGHTING FOR THE PAST FIVE YEARS AND XXXX CLASS ACTION SUITS AGAINST THEM AND XXXX. I HAVE BEEN UNABLE TO PURCHASE HOME BEING KEPT IN BONDAGE OF RENTING AND HIGH INTEREST RATES FOR CREDIT!! I WANT THOSE OLD XXXX CARD AND XXXX DEBTS REMOVED. THE IRS IS ALSO CHARGING ME IM FIGHTING THE SAME ALLEGATION AND IT WAS CHARGED OFF AS WAGES FOR XXXX. I NEVER EVER HAD XXXX DOLLARS WORTH OF DEBT BEFORE THIS ALLEGATION ASIDE OF MY CAR. I ONLY WANT TO ACHIEVE THE AMERICAN DREAM BEFORE I DIE AS A RENTER!!!

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