BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-18
Company: Rocket Mortgage, LLC
State: PA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
We've had issues with Rocket Mortgage ever since the loan originated and our family of XXXX plus pets were XXXX for 10 days. 

I lost my job in XX/XX/2022. I was slated to collect unemployment. Since losing my job, I have called numerous times to Rocket Mortgage to explain my situation and to try to get on a forbearance. I have sent, faxed, scanned, and took pictures of paperwork to send into them to get approved for the forbearance. For the longest time every time I'd call in they would say they needed my medical forms from my doctor for my sickness? which I would have to explain each time, this is due to me losing my job in XXXX, not because I'm sick. Rigamarole. 
XX/XX/XXXX ( I believe ) I spoke with a XXXX or XXXX, and she advised me that a partial claim has been approved and the next payment will be due XX/XX/XXXX. She explained this is a trial period, it is scheduled, modification packet is coming in the mail ; we would still get collection calls but not be reported to Credit Bureaus. Okay, so I assumed this was the forbearance we have been requesting and it's gone through. That is incorrect. 
We've been reported to the credit bureaus, and I contacted Rocket Mortgage yet again to go over our mortgage. I spoke with XXXX on the Account Resolution team and told him what was going on. He says we were never approved for the forbearance. We were put on hardship resolution so our payments were reconfigured. I asked why? He said because they never received all the paperwork for the forbearance. I said but I sent in everything? He said yes he sees all the paperwork received. I said then why was it declined? It wasn't declined, it was never processed. Why? because they didn't get all the paperwork. But I sent in all the paperwork- yes you did. So then I asked to speak to a supervisor and left a message for XXXX XXXX. I have yet to get a callback. I really feel like they are not handling our loan correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
On XX/XX/2022 I briefly went over my credit report. I see a lot of unauthorized things reporting on my credit report. I recently had everything stolen from me. I filed a police report, and the documents is in the attachments. FCRA Sections 605B, 615 ( f ), 623 ( a ) ( 6 ) THE CREDIT BUREAUS YOU MUST FOLLOW THE LAWS.

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 2022-07-22
Company: Western-Shamrock Corporation
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
Western Finace Shamrock located at XXXX XXXX XXXX XXXX XXXX XXXX They keep calling me and showing up unannounced to my house despite me giving them a limited liability letter from XXXX XXXX. They said they will keep collecting until I pay them. They are being stubborn and not wanting to work with XXXX XXXX to settle an agreement. I want them to stop harassing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-08
Company: AR Resources, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Repeated calls and states I have a debt. Will call at work, cell phone for work and home phone not stop fromXXXX to XXXX. Need to stop the calls and send me a letter instead

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
Company: EQUIFAX, INC.
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I reviewed my recent credit report and upon checking I noticed that there are inaccurate and fraudulent accounts that I needed to report and correct by your company. My information was misused and it is identity theft. I did not own the following debt. Here are the lists that indicates the company name, balance, and date last reported : XXXX XXXX XXXX/ {$320.00} / XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-15
Company: JPMORGAN CHASE & CO.
State: IN
Product: Debt collection
Sub-product: Mortgage
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Mortgage is due on the first of the month and has an late date of XXXX of the month. Bank Chase Mortgage will start calling after the XXXX of the month and sometimes up to 3 times daily. My mortgage is current and never late but it 's annoying when a bank like Chase is allowed to call and ask where your payment is when it 's not even late yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-30
Company: RoundPoint Mortgage Servicing LLC
State: IL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I was approved by my mortgage company for the HAFA Program ( Home Affordable Foreclosure Alternative Option ) and entered into an agreement with RoundPoint Mortgage Service Company to transfer my property to them by doing a Deed in Lieu of Foreclosure on XXXX XXXX, 2015. Part of the agreement was they would waive the deficiency Amount outstanding. At which point RoundPoint would then issue me a XXXX after everything was completed at the end of the year ( 2015 ). To date I still have not received the XXXX even after repeated phone calls and requests made to them. Instead they inaccurately issued me the wrong form a ( XXXX ) and now refuse to correct it, because the representatives are confused and they continue to say it 's a foreclosure even when all of their own documents show that it 's a deed-in-lieu. At this point I do n't know what to do and how to get this situation resolved with them, because for me to accurately and correctly report the deed in lieu on my own 2015 XXXX Tax Return, which would be the correct year, I need them to send me a XXXX form, but they still refuse to do so no matter how many times I 've called and tried to explain it to them. So I 've attached supporting documentation to verify my position and request.

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 2022-04-18
Company: Genesis FS Card Services, Inc.
State: GA
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 have 4 fraudulent charges on my account. They removed 3 but not all 4. Ive reached out to company numerous of time. They are charging me interest on the fraudulent charges. Ive been hung up on. Also while trying to get help they have continued to charge my late fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
On On XX/XX/XXXX, after I review my credit report I found multiple erroneous information on it that did not belong to me. After reviewing with details I saw multiple addresses that did not belong to me, So, On XX/XX/XXXX, I submitted documents to the credit Bureaus requesting to update my address and remove all other addresses that did not belong to me, unfortunately, after 30 days, I review my updated Credit Report and I noticed that they updated my address but they did not remove the rest of the inaccurate addresses on the XXXX and EQUIFAX report, I am now, taking the extra step, because I really need these addresses off of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-15
Company: WAKEFIELD & ASSOCIATES, INC.
State: CO
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
I received a voice message from a person calling herself XXXX XXXX stating that she was from a collection agency and she needed to speak to me. When I called back, the same day, she stated that I had an outstanding balance and she had been trying to contact me. She was very aggressive on the call, she raised her voice and over me for the majority of the phone call, she refused to send me anything in the mail ( stating that I was not in a position to tell her how to do her job ), and she stated that she tried to leave me voicemails but could not because my inbox was full, which is completely untrue. The phone call was so upsetting that I was shaking at the end of it. I had no idea what debt she was speaking about as I assumed that I had completed payment of my son 's medical bills in XXXX of 2014. I was able to speak the debtor, XXXX and found that there was XXXX unpaid bill and XXXX duplicate charge. At this time I have no choice but to work with XXXX XXXX because I do not have any documentation from Wakefield and Associates stating what I supposedly owe. I am also not inclined to call them and repeat the same type of aggressive situation again. It is my understanding the the collection agency must send documentation and they must not intimidate. I feel that Wakefield and Associates, specifically XXXX XXXX, are in violation of these regulations. I believe a recording of this conversation was recorded because there was a message at the beginning of my call that stated all calls are recorded.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Credit score negatively impacted when a consumer voluntarily closes a credit card account. 

A few years ago I needed to build my credit and only qualified for some less-than-desirable cards with high annual fees or monthly fees. I have since rebuilt my credit and have maintained a {$0.00} balance for the past 2-3 years, but am still being charged high fees. I have not closed these accounts because I have been told this will severely impact my credit score. 

I am asking this to be changed. 

I would like to keep open the low- to no-fee cards I have now qualified for, but close the high-fee ones without hurting my credit score. 

Can this be done?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Credit score negatively impacted when a consumer voluntarily closes a credit card account.

A few years ago I needed to build my credit and only qualified for some less-than-desirable cards with high annual fees or monthly fees. I have since rebuilt my credit and have maintained a {$0.00} balance for the past 2-3 years, but am still being charged high fees. I have not closed these accounts because I have been told this will severely impact my credit score.

I am asking this to be changed.

I would like to keep open the low- to no-fee cards I have now qualified for, but close the high-fee ones without hurting my credit score.

Can this be done?

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 2022-07-22
Company: EQUIFAX, INC.
State: TN
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  account XXXX has violated my rights. 15 US 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 absolutely can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-27
Company: Halsted Financial Services, LLC.
State: CA
Product: Payday loan
Issue: Received a loan I didn't apply for

Complaint:
Someone claims I owe {$790.00} for a payday loan thru XXXX. I have not taken any payday loan from this company and this is the second time someone has reached out to me regarding a balance I owed over 3 years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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 2016-10-11
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card
Issue: Credit line increase/decrease

Complaint:
I applied for an Amex card due to their promotional offer. I was about to book my honeymoon trip as soon as I got the card due to their offer of spending XXXX in 3 months or XXXX in travel in 6 months which I most certainly would have. Upon receiving my card I was told I only had a XXXX credit limit and it could not increased for 60 days, unfortunately my honeymoon is in exactly 60 days so I can not wait to book the trip. At first I was told EVERYONE started at XXXX credit limit, then I was told it must be due to my credit score ... of XXXX. Then I was told it was due to my number of credit card..I have XXXX. Then I was told it might be due to the credit limit I have, a combined XXXX limit compared to my income ... my income is more than 10 times that amount not combining my fiance 's income. Finally I was told the number of loans may have affected the credit limit I was given ... I have zero loans. So I ask why bother doing a credit check, and putting a hard inquiry on me, if I would get something standard and low and how am I to take advantage of this marketed offer without having a high credit usage? The response was to charge my trip, ask for permission to go over my credit limit and pay off the balance so I can charge the rest of it thus eliminating the purpose of a credit card. I do n't see how an average consumer can take advantage of the marketed offer, specifically the first 3 months, without incurring a high credit usage. On top of that why bother running a credit report on me and end up giving me a XXXX credit limit. The response I got kept changing and their was no justifiable reason for the low credit limit. I was unable to book my trip, wasted my time waiting for the card to arrive and closed my account immediately with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Credit card
Issue: Application processing delay

Complaint:
This is a follow-on to several existing CFPB complaints against Bank of America. Further to the existing file, they incorrectly applied a payment in XXXX to the prior month when it was intended to pay the current month. they therefore said the account was late. they applied a late fee on XXXX XXXX. I called on XXXX XXXX and explained the situation. They removed the late fee. They neglected to note the file that the payment I had made was for the immediate prior month statemnt, so when the next one closed, they carried forward an erroenous past due amount, even though three days earlier we talked on the phone and they " fixed it. '' I then had to call in again for over a hour on a Sunday and, after having the rep misinterpret my file thining I was a chronically late payer, when in fact I pay as early as possible, she said she moved the payment, it was fixed and the wwebsite would be correcteds to no longer show past due. all I would hve to pay is the newest mnobnth. The webstie did not correct and I filed a CFPB complaint earlier this week. They still have not fixed it. so I paid {$100.00} for the current month even though the website still showed wrong info. This mornign, the website is still showing a missed payment and a late fee as due. I am on the phone with B of A and the rep is telling me to disregard the late payment notificatios the website is displaying. No, the website needs to be correct and if I don ' ; t get them to fix it, you don ; t get them to fix it, or I make a /THIRD payment this monthkl they will still rerroneously relfect me as late. sorry for a all the typose, I am in a XXXX rage at this point. -- Five minutes in, and the rep on the line is acknowledging, for the umpteenth time, that this " should have been corrected, you are absolutely right, we will get this tken care of straight away ''... but they never do, and then when it happens again, I wil have to spend hours trying to get it corrected.

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 2016-07-21
Company: ENCORE CAPITAL GROUP INC.
State: WA
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I have been homeless since XX/XX/2016. I have not been able to make payments on these debts due to hardship. I had XXXX and therapy and eventually was not able to do my job and lost my job which caused me to loose my apartment and so forth. I want to be able to clear my debt but now I am currently in a no job and homeless situation. If I could get some feedback on how I can clear these past debts I would greatly appreciate any advice. 
Thank you, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-18
Company: Experian Information Solutions Inc.
State: NC
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 Accounts # XXXX # XXXX # XXXX # XXXX XXXX have 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 an 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 2015-12-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
In XXXX of XXXX I received a letter from Bank of America requiring me to purchase flood insurance as an augmentation to my existing mortgage ( Acct. # XXXX ) on a property located at XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. The letter indicated changes to the flood zone maps prompted this requirement and as such, I purchased flood insurance in XXXX of XXXX XXXX Policy number XXXX XXXX ). This requirement was perpetuated by XXXX XXXX, ( Acct # XXXX ) when they assumed servicing my mortgage in XXXX up until XXXX XXXX when I received a letter indicating that updates to the Special Flood Hazard Area ( SFHA ) no longer encompassed my property. Since you can not cancel Flood Insurance, you can only " Non-Renew '', I was forced to complete paying for the third year of coverage. Subsequently, I requested a LOMA letter from XXXX, and was informed that my property never resided in a SFHA, and that the maps had not been updated with any changes to my specific property location since XXXX. I have attached the supporting documentation and believe I am entitled to a refund of premiums paid for 3 years as a result of the errors made by Bank of American and subsequently, XXXX XXXX levying this requirement.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-17
Company: ENCORE CAPITAL GROUP INC.
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
On XXXX/XXXX/13 XXXX XXXX XXXX, XXXX XXXX XXXX , XXXX SC borrowed money from XXXX XXXX XXXX, XXXX SC. Payments were not made and the account was sold to Midland Funding LLC. Midland Funding is attempting to collect the debt from me, I have informed them of the error but that does n't help. They continue to try to collect from me. I 'm an XXXX year old man totally debt free. My house, my cars and everything else I own is debt free.

Company response to consumer: Closed with explanation