BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-09-17
Company: Rocket Mortgage, LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
Hello CFPB team, please look into this situation with mortgage rate through Quicken Loans # 1 lender in America. On XXXX/XXXX/16 I filled out on line form and received a call from a Mortgage Banker XXXX XXXX XXXX # XXXX. I told the person that was referred by a coworker that just completed a refinance through Quicken and was able to low his mortgage payment. The loan representative told me that the lower rate available is 3.25 % today. She collected some basic information and asked permission to run my credit. I gave the persmission because I was under the impression that I am getting a lower rate, what I was quoted by her at 3.25 %!! After a few minutes into a phone call she told me that there is some savings for me to do this refinance and gave me a dollar amount for the payment. The payment was {$80.00} less then what I am currently paying. I told her I want to start the process. However, in a sudden XXXX indicated that it is going to cost me {$8000.00} to get this rate, but it is the lowest rate available!! Really?! Is it still required under Reg. Z to provide consumer with APR once rate is quoted? Why credit was ran and personal information was collected to mislead me from the start that the quoted rate is available at no cost if no APR was provided?? How many people fall into this trap with the # 1 lender in a country that 's running their adds on TV, radio and all over the internet. My question is : " Will the Quicken Loans Company going to be held accountable for this? Is Senior Management going to provide resources to train their mortgage bankers to provide the benefits for consumers and not just generate more business for the company? Or trap more homeowners to do something that has ZERO benefits? The call was recorded. I wish Quicken to honor what they stated over the phone to me. Thank you for looking into this & hopefully less homeowners will be in such terrible situation. I felt very bad after this call.. plus I keep getting emails from Quicken to my Inbox with more attractive deals.. Are they REAL?!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-22
Company: CITIBANK, N.A.
State: NJ
Product: Credit card
Issue: Other fee

Complaint:
On multiple occasions over the years, I have fully paid off a balance on my Macy 's store credit card a few weeks before the payment due date. I still receive a bill the following month for {$2.00} listed as a minimum interest Charge, but the detail lists the interest charge as {$0.00} with the {$2.00} listed under fees. There should be no interest charge on an account that has been paid in full prior to the payment due date. No other credit card I have has ever had any fee after the full balance was paid off.

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 2022-08-18
Company: Franklin Collection Service, Inc.
State: MS
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 According to the fair credit reporting act XXXX account XXXX XXXX XXXX has violated my rights. 
15 U S C 1681 section 601 A section 1 states I have the right to privacy.

15 U S C 1682 section 602 section 2 also states a consumer reporting agency can not furnish account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-17
Company: GVA Holdings, LLC
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Received a loan you didn't apply for

Complaint:
on X/XX/17, I received a {$400.00} deposit into my savings account from Riverbendcash.com. I never authorized this loan nor did I ever have any contact with them prior to the monies being deposited into my account. I called their customer service line and asked them to please reverse the deposit and take their money from my account and to block my account from any future deposits/drafts from their system. In addition, I requested how did they receive my information. The rep provided me with a phone number I use to have 10+ years ago and an email I had 15+ years ago. Under no circumstances did I ever request, authorize or consent for this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-17
Company: Experian Information Solutions Inc.
State: IN
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: Was not notified of investigation status or results

Complaint:
In the beginning of XXXX XXXX, I had gotten denied for an apartment where I was required to pay XXXX $ for the application fee ( XXXX XXXX XXXX is who denied my application for rental ). Prior to this report pull, I was unaware of an eviction ( Case # : XXXX ) dating XX/XX/XXXX being listed on my credit report, which resulted in a XXXX $ loss in application fees and denial of the property. After directly disputing with the bureaus, I received no acknowledgement about the dispute when I got my results back from the bureau regarding the judgment, and all other disputed items remain unchanged. After contacting the local county clerk 's office by mail on XX/XX/XXXX, inquiring about the information they share with the credit bureau, they advised me that they do not report to them ; SSNs are not required for a court filing and are refused to handle that type of filing. The eviction was ultimately dismissed, and I owe no balance to the landlord. As such, I request to have this initial filing removed from all 3 reporting bureaus and to notify the public record agency, XXXX XXXX ( where my application for the property was denied ) to remove this derogatory information from all reports.

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 2022-05-25
Company: Rocket Mortgage, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XXXX of XXXX we took out a mortgage with Quicken Loans Rocket Mortgage. We paid 25 % so we did not pay PMI and we could pay our property tax and insurance on our own. During Hurricane Irma XXXX  my house and the fence around our swimming pool were damaged. The property tax increased and was in process of payment when to our surprise our mortgage lender sent us a notice that the {$1300.00} a month payment would no longer be accepted and we must pay {$25000.00} immediately to cover their forced placed insurance and taxes in advanced for the next two years even though our insurance was paid on time every month it now was to be replaced by a much more expensive policy and prepaid for 2 years because the property tax was late. This caused us to force see our recently purchased house at a significant lose and caused a major impact to our credit report because lender would not accept our payment unless we paid all of the prepaid insurance and taxes. Now our credit report reflects late payments and we can not be approved for a new loan even though we were never late with our mortgage or insurance.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-22
Company: Rocket Mortgage, LLC
State: MD
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I contacted Quicken Loans to refinance my FHA mortgage. I was told that I could refinance into a conventional loan with no PMI if I qualified. I said that I estimated my home to be in the {$300.00} 's but that I was not actually sure how much it would be appraised for. I was told that I had to have XXXX % LTV to qualify for the conventional mortgage and it needed to appraise for {$310000.00} to do. After this conversation, I followed up in an email to this representative that confirmed the new mortgage payment amount and closing costs if I qualified. He responded that those amounts were correct. The appraisal was under-researched and, in my opinion, worthless. The appraiser did a " second-look '' and came back with a higher amount, though he did not account for the properties that I sent him that were more comparable than the ones he was using. There was no reason given as to why those properties were selected rather than the more comparable ones I sent. I have been sent multiple " Redisclosure Packages '' throughout this process and each time, the mortgage payments and closing costs increase. The final package reflected closing costs that were double ( {$15000.00} almost ) than I was originally told/confirmed. There was no explanation as to why these doubled. It felt as though Quicken Loans was trying to hide this and slide it past me before I went to settlement. This process has been deceptive from the beginning. I have been told that I will not get the refinance at the terms originally offered and I am now out {$500.00} for a unusable appraisal, which Quicken Loans also refuses to refund me. This has been a month of my time and money wasted.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-25
Company: Experian Information Solutions Inc.
State: MN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$260.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$140.00}

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 2018-03-21
Company: AES/PHEAA
State: CO
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:
Every year when I send in my employee certification for the PSLF I receive an incorrect letter on the number of qualifying payments made/remaining. Every year. This year, they only counted the number of payments as qualifying from the last period for which I submitted a certification, discounting all the other years I have sent in correct documents ( which I also had to contest ). I have made a total of 51 payments toward my required 120 and they are saying now that I've only made 24. Last year they said I had made 39 - this number is also incorrect, the last two payments on XX/XX/2016 and XX/XX/2016 were not in forbearance. And they said that all the payments from the last year count as qualifying payments. Who is doing the math? I tried calling today three times during business hours and the message says that the office is closed and to call back during business hours.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-22
Company: BB&T CORPORATION
State: PA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Earlier this year I closed my account with BB & T. A few days ago I received an email stating " Your online banking security questions have been updated. This is a result of an annual update or a request you or an authorized user submitted in My Profile. If you did not make this change, please contact us. '' Shortly after I received a followup email stating " Please know this message was sent to you in error. Your security questions are secure and no further action is needed on your part. We apologize for the inconvenience. '' I called the number in the 2nd email ( XXXX ) and after numerous tries was able to talk to a real person. Since I closed my account I asked they remove my email address. The request was forwarded to IT and I received a confirmation that my email address had been removed from my online account. But I should no longer have an online account! I spent close to an hour going through their phone menu system at ( XXXX ) and ( XXXX ) only to reach a message " The information requested can not be provided by BBT online phone XXXX '' the call then disconnects. I called my local branch office and the representative there told me they do not have access to online accounts and were unable to even verify if I did or did n't have an online account. So here I am, unable to talk to anyone to determine if there is still a bank account in my name floating around their system. With the recent XXXX XXXX issue, is this a case of an account opened in my name without my approval? Oh, and the only way to contact them online is to log into my online account and send a message.

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 2022-05-25
Company: Experian Information Solutions Inc.
State: MN
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:
When I investigated my credit report, I realized that some of the information was erroneous. The Experian are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$4000.00} XXXX XXXXXXXX XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX Balance : {$0.00}

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 2018-03-21
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I have contacted XXXX XXXX several times about missing information and inaccurate credit reporting. I have 3 credit cards - XXXX XXXX, XXXX XXXX, XXXX XXXX. These credit cards are not being reported on my credit reports. The credit cards that are being reported, the balance is incorrect. Each credit card has an estimate balance of {$500.00} each. XXXX XXXX is reporting {$2000.00} balance on each. I want all three credit cards to be reported to all three credit bureaus- XXXX , Equifax and XXXX immediately and the correct balance owed. This unfair reporting is delaying me from receiving the loans and proper interest rate that I deserve.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25
Company: EQUIFAX, INC.
State: GA
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: Was not notified of investigation status or results

Complaint:
I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS and INQUIRIES and bankruptcy from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-16
Company: AFNI INC.
State: TX
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:
I have disputed with XXXX collection agencies and XXXX major credit bureaus online, verbally, and in writing related to negative items I believe are erroneous reported on my credit report. I have disputed the account information and verfified the debt has been paid. How is it possible for the bureau to get away with this? Under the consumer laws, I 'm unable to get them to send me a detailed invoice related to the amounts I owe. It 's very confusing as a consumer to continue to receive letter from several different collection agencies requesting me to pay the same debt for different amounts. I have uploaded the letter received related to a debt with XXXX under past disputed CFPB case XXXX and XXXX received from different agencies. Now, I am in receipt of a new request from AFNI , Inc .

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-28
Company: Prospect Mortgage, LLC
State: CO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
This loan was a disaster from start to finish. The goal was to refinance in order to lower the rate on my first mortgage and increase the line on my HELOC. I made this very clear from the start of the process. 

The process was started on XXXX XXXX, 2015 with a closing date near the end of XXXX. The first thing to go wrong was that the closing date was repeatedly pushed back until XXXX XXXX, 2015. The delay in closing cost me roughly {$150.00}, which is the decrease in the payment which would have occurred in XXXX but since we closed late, wo n't occur until XXXX. 

After closing the loan funded several days late resulting in an additional {$190.00} in interest and fees paid on the original mortgages as well as a late payment on my HELOC. A revised HUD was drawn up and executed without my knowledge or consent, and the HUD that I had signed was disregarded. I 'm not sure of the legality of this maneuver, but it is definitely not good practice. 

Throughout the loan process, I was assured by the loan officer that if I refinanced my second mortgage, I would be able to increase the line on the HELOC with little to no fees if I refinanced the second as opposed to subordinating it. The cost of refinancing the second mortgage was XXXX. Once we closed, I was told that the fees to increase my HELOC would be {$1000.00} to XXXX. The only other option that was presented to me was to transfer my HELOC from XXXX to XXXX XXXX XXXX XXXX. I was not told what the fees would be on this, but the terms would increase my monthly payment by over 150 % from about {$200.00} a month to over XXXX. 

When it was all said and done, this refinance cost approximately {$960.00} more than it should have and did not accomplish half of what it should have. In order to accomplish all of the necessary goals, the loan will cost {$2400.00} more than it should have.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-25
Company: Experian Information Solutions Inc.
State: GA
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: Was not notified of investigation status or results

Complaint:
I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS and INQUIRIES and bankruptcy from my credit report immediately.

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 2015-10-23
Company: CAVALRY INVESTMENTS, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
On XXXX XXXX, XXXX Cavalry Portfolio Services LLC ( CPS ) filed a complaint against me. They served me on XXXX XXXX, XXXX ( docket is attached ). I filed a Notice of Dispute requesting debt validation into the court record on XXXX XXXX, XXXX. I never received debt validation. I filed my Motion to Dismiss on XXXX XXXX, XXXX after requesting an extension of time to respond. The Plaintiff 's attorney filed paperwork into the court record without providing me any copies on XXXX XXXX, XXXX. On XXXX XXXX, XXXX, the Plaintiff filed an Account Settlement into the court record without my receiving or agreeing to it. A hearing was set for my Motion to Dismiss on XXXX XXXX, XXXX. Prior to that I filed a Motion for Leave to Amend the Motion to Dismiss on XXXX XXXX, XXXX because there was new information I found. At the hearing on XXXX XXXX, XXXX, I informed the court that it had no jurisdiction over me because the complaint was filed XXXX and I live in XXXX. I also informed the court that the Plaintiff lacked standing because the Bill of Sale and Assignment of Loan attached to the complaint stated that loans were sold to Cavalry SPV I , LLC ( SPV ) and it did not identify me or any account of mine. CPS and SPV are XXXX different entities. CPS is from XXXX and SPV is from XXXX. The Plaintiff 's attorney told the judge that if she granted my Motion to Dismiss, the Plaintiff would be unable to file a new lawsuit because it would be outside of the statute of limitations. Incredibly, the judge allowed the Plaintiff to be substituted on XXXX XXXX, XXXX! It is not my fault that the Plaintiff lacked standing because the attorney named the wrong Plaintiff. Furthermore, the Plaintiffs have never validated any debt to me nor provided any assignment of a debt contrary to XXXX Statute XXXX. I timely filed my Objection to Substitute Plaintiff on XXXX XXXX, XXXX and requested a hearing, which still has not been heard. My Amended Motion to Dismiss will be heard on XXXX XXXX, XXXX. This debt collector has affected my reputation by having a complaint against me since XXXX which was served in XXXX. These debt collectors had no right to sue me when they never provided to me any debt validation including loan level documents, contracts, terms showing the interest changes, how the amounts were calculated, who the original creditor was, etc. 
The court is permitting this debt collector to change the party suing me almost five years after the lawsuit was filed. It is not my fault that this debt collector has faulty records and does not know what it is doing and who it should sue. I do n't understand how a Plaintiff can be substituted after more than four years in a lawsuit. The Plaintiff was conceding that they had no right to sue me as CPS and requested that the court allow them to continue to harass me by permitting the change of Plaintiff.

Company response to consumer: Closed with explanation