BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-12-21
Company: Rocket Mortgage, LLC
State: MD
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Quicken loans contacted my father while he was XXXX and was not legally supposed to sign any documents. The documents were hidden from me and I found them when my father passed away. I advised quicken loans that he passed away and they told me I could modify or refinance my fathers house. I told them the house was not worth what the amount of the loan was. I had the house appraised in XX/XX/2016 and the house appraised for {$230000.00}. When quicken loans sent someone to appraise my fathers house, they used comps that were not comperable to my fathers home. They used comps not near my dads home and homes that were for sale and did n't sell yet. I opted to do a short sale on the house, quicken loans approved the short sale as well as the va. I have had nothing but headaches since my father passed with quicken loans. They did. A loan with a man that was XXXX, XXXX, XXXX and when I asked them how they could do that, their answer was if he can sign his name he can have a mortgage. Quicken loans is the worst place and I would never recommend them to anyone. What they did to my father was a predatory loan and is illegal. I will let everyone know what they did to my father and the home that was in our family for 48 years. They would rather sell the house to a complete stranger then to his daughter. They will receive less then the $ XXXX I offered.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19
Company: Freedom Mortgage Company
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
The transaction was a refinance of an existing mortgage with the current mortgage provider. The refi featured a reduction of the interest rate from 3.25 to 2.75 percent. 

The initial offer was a " no cost '' out of pocket refi. The loan estimate included closing costs in the amount of about {$4000.00}. The estimate was agreed to by me via " docusign ''. 

The next step was the real offer which increased the closing costs to almost {$11000.00}. 

The lender wanted me to agree to 11 months of prepaid property taxes. What struck me as fraudulent was that my payoff ( principal ) increased by the same amount as the alleged " prepays ''. In my opinion, the prepaid amount should have been reflected in the escrow account, not the final payoff amount. 

When confronted, they said it was common practice. I refused to docu-sign these terms. My savings would have been less than {$40.00} a month, while my principle increased by almost {$11000.00}. And that doesn't include the interest owed. 

I have not changed my lender but I feel a true lack of trust after their bogus offer.

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 2020-01-20
Company: Experian Information Solutions 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 ran a credit check Q4 of last year and realized 2 of the 3 major credit reporting bureaus were missing my education loan accounts. Experian and XXXX  do not see my XXXX  open accounts as existing, XXXX  reports them correctly. 

I then contacted XXXX thinking this was a reporting error on their side. They got back to me stating they are indeed reporting, otherwise XXXX would not be getting the reports and the " fixing '' needed to be done on the credit bureau side. 

I called Experian and their Dispute Dept. representative told me that XXXX is a " subscriber '' and they are receiving no information from them regarding my account. They also mentioned that I would need speak with them and have them get in touch with Experian directly. Calls to XXXX  were futile as I kept being put on hold and the line would drop. 

I then called XXXX back and was escalated twice to different supervisors and each level also confirmed they are indeed reporting the data and they do not know what else they can do. 

I need the CFPB to moderate the exchange as neither group seems to be able or willing to coordinate a problem solving relationship regarding my particular issue. 

As an additional note, XXXX is confirmed to have all the necessary documentation for this case.

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 2021-05-19
Company: Santander Consumer USA Holdings Inc.
State: LA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Santander has a charge off on my credit file on an account that is in litigation due to predatory lending between XX/XX/XXXX, XXXX XXXX. Louisiana Attorney General XXXX XXXX has picked this up due to the predatory lending. They reported inaccurate payment dates. They repossessed the vehicle and sold it for over the amount that was supposedly left owed. Keep in mind I paid over XXXX and put XXXX down on a XXXX $ car. They are XXXX $ is owed and it is not. This debt is no longer owed and they have sold it to multiple collection companies. XXXX XXXX XXXX sent me a dunning letter trying to collect XXXX $ that I received in the mail on XX/XX/2021. This debt is not owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-07
Company: PHH Mortgage Services Corporation
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have received many phone calls claiming to be from PHH mortgage. When I do not answer, they do not leave any kind of message. When I do answer, they do not say anything and after a few seconds they hang up. I was able to get a someone to respond once. He had an accent and said I was late on my mortgage payment. I have NEVER been late on a mortgage payment, nor had I received any notices. 
A few days later I received a notice ( almost 2 weeks after the calls started ). I called PHHmortgage asking why it says I 'm late on my payment. According to the representative, my payment was applied to " principle only '' and the computer was not recognizing the payment. The representative said he made the correction and also advised that these phone calls were probably from their collection office. 
The mortgage rep was not able to confirm the calls were legit! 
This is the second time this has happened! And I am still getting calls even after I supposedly fixed it with the mortgage rep.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19
Company: EQUIFAX, INC.
State: CA
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:
There are two XXXX accounts reporting on Equifax and XXXX that are not mine. I was not liable on either account and was only an authorized user. I've sent multiple letters to dispute this item directly and they have failed to remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19
Company: AMERISAVE MORTGAGE CORPORATION
State: LA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for a mortgage refinance with Amerisave online a loan officer called several times stating he had me approved a we should move forward He sent me declarations to sign and I did online after submitting the documents he said my house needed to be appraised and it would be {$520.00} I told him I did not want to pay XXXX up front but he say he could get that waved or include it in the closing. After a week or so he contacted me again and said that I had to pay the {$520.00} up front so I forwarded the money to the loan officer Mr. XXXX XXXX and the house was appraised and he said now XXXX need to call my insurance company XXXX and have my policy changed to Amerisave and I did a now still have the document with Amerisave name as the lender.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have had a home loan with Bank of America for 8+ years on my personal residence. I have never had an escrow or impound account with B of A on ANY property. In late XXXX Bank of America fraudulently charged me on this loan for property taxes they mistakenly paid on a different loan/property that no longer existed, I had previously sold a property in XXXX and all debt was paid off to B of A. B of A refused to remove that charge. After numerous complaints and finally a CFPB complaint they finally removed the charge and admitted the " error ''. B of A finally corrected this current loan. 
Now, just a few months later they appear to be purposely harassing me again. I have never had a impound or escrow account for my property taxes or insurance. Bank of America has now made a payment on my property taxes without my permission an opened another impound/escrow account on this loan/property. B of A has starting charging me for taxes and insurance and applied my extra payments in a way that I do not authorize. I have called B of A on XXXX and asked for an investigation and they have never corresponded or even called back as they have promised. Since then I sent the payment for the property tax payment and my regular P & I. B of A has fraudulently applied my payment to double the normal amount of interest, some to principle, and only a partial payment to the property taxes. This is outright FRAUD. How could you they apply DOUBLE the interest from on time payments? 
Previously I waited several months for this to be resolved so I could refinance. Now that I am in the middle of a refinance to get away from B of A they will undoubted misrepresent the payoff amounts and try to keep money they are not entitled to. Bank of America can not be trusted to service a simple existing P & I loan.

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 2016-05-14
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: PA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
Santander Bank did not process and route check properly, Santander Bank did not present check to Federal Reserve, Deposited on XXXX/XXXX/2016. Returned check with unauthorized marks Frozen/Blocked Account. Spoke with XXXX, she refused to honor the rights of a substitute Check Warranty.

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
Consumer complaint received 2015-09-21
Company: Stearns Ventures, LLC
State: WA
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
made a prepayment plan for XXXX payment to be pay in a 6months period paid it off early and when we did found out they had been reporting us as late in our credit report when we started the plan was not advised they would do this or that it would stay on our credit report for 7 to 10 years, which makes it hard for us to refi at a lower rate. we held up our end and even paid it off early we think they should remove it from our credit report

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
During covid I went through months of low sales at my restaurant XXXX XXXX XXXX. Its not my fault that the government shut down our eating area and restricted our hours for over a year. I have been charged 5 overdraft fees in the past month. My sales are back up but now I'm trying to pay bills from when the sales were low. In my opinion charging a person XXXX dollars for not having enough money in their account should be illegal. Because of all these overdraft charges im going to get another on this week after payroll because I need that money to get back on my feet. I need these fees reversed. I also sent a complaint to capital one and they have not responded. They promised me they would respond.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-19
Company: EQUIFAX, INC.
State: NY
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:
I have disputed the items circled in my attached report and they have failed to address these items in a timely manner. These items are unknown and need to be deleted from my credit file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-27
Company: Asset Recovery Group, Inc.
State: WA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
I had a loan with a XXXX college in OR state but have been sent to collections because I have had a hard time paying my loans. Recently I missed XXXX non-consecutive loan payments and they are threatening to garnish my wages at XXXX the monthly loan amount. I can hardly ever get ahold of them and when I do, there 's only one lady who I can speak to about it and she is very difficult to deal with. I just want to set up a payment that I can afford. I do n't know where esle to turn. Any help would be greatly appreciated. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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 belongs to someone else

Complaint:
To Whom It May Concern : I formally request that the following inaccurate items be immediately. 
REMOVED, these account are not mine and are fraudulent account and these company refuse to eliminate these account from my report XXXX XXXX XXXX XXXX XXXX BANK OF AMERICA XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-05-19
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I have reviewed my XXXX XXXX, XXXX, and XXXX credit reports and notice several items that have inaccuracies, incorrect, fraudulent, outdated and were included in my bankruptcy that is still reflecting on my credit reports. Should be deleted and removed. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be investigated or deleted from my credit record within 30 days. During the investigation period, the items I am disputing must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting my name, address and telephone number updated and remove any other names, addresses and telephone numbers that does not belong to me.PORTFOLIO RECOVERY # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX  # XXXX, XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX  # XXXX, DEPT OF EDUCATION # XXXX, XXXX # XXXX, XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX  XXXX # XXXX, XXXX XXXX # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-27
Company: Bridgecrest Acceptance Corporation
State: GA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I have an auto loan with XXXX XXXX ( now Bridgecrest ) that I opened XXXX XXXX, 2014. I am current on my loan. I will soon be unable to keep up with my loan due to my current financial circumstances. I do not want to fall behind, or have my car repossessed. I have asked Bridgecrest if they would refinance my loan so I could have a lower payment, but was told they do n't refinance. 
Selling, or trading-in, my vehicle for a better loan is not even an option. After paying for 2 years, I still owe twice the value of the car. 
I ca n't " give the car back '' or " walk away '' without owing the difference, and/or having a terrible impact on my credit. 
Now, I am stuck with a car loan I am going to soon be unable to pay, and I ca n't be without a vehicle. How can I get Bridgecrest to help me?

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 2021-05-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Please remove this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts and inquiries be deleted from my credit file.

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 2016-09-23
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
i have been fighting Equifax on the number of inquires on my report XXXX now, they do not belong to me ... .i have not applied for a job nor have i obtained credit from these fraudelant companies they keep telling me to take up with companies and i did send certified letters to them with no response from the majority of creditors. I would like to purchase a home in the future and these inquiries are hurting my chances. I was employed now retired from the usps which had a breech and personal info was impacted also irs had a fraud on me for someone else trying to file a income tax return XX/XX/2015 i feel my identity has been in jeopardy since XX/XX/2015 and would like all inquires since them removed

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
Hey hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information OR the authority to obtain my personal information on their own they are in violation of FCRA 15 U.S.C Section 1681. How did they get this information? I have tried contacting the credit bureaus and no one was able to help me I was just being past around to department. Please investigate these bureaus and have them delete these fraud accounts off my report. Attached is my ID and my Report I filed for identity theft because these accounts was not me. Have them remove these thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-02
Company: Stearns Ventures, LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I am filing a complain against Stearns Lender for charging me too much for MIP. I had FHA loan with " Stearns Lender ''. My loan was paid off on XXXX/XXXX/15. Although the MIP was {$900.00}, I was charged for {$1700.00} for " prorated MIP ''. I called Stearns XXXX times to address the issue. Unfortunately with no resolution. 
I kindly appreciate for any help in this matter. 
I am also filing a small claim in court.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 I sent a letter regarding an inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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 requested that  XXXX , Transunion,  XXXX  remove a judgment  XXXX  on my cr edit report, whereby this judgment has since been paid and it was vacated in Maryland ( courthouse ).  However, as of  XXXX .2017, this judgment still remains on my credit report. I made a second request to  XXXX , Transunion,  XXXX  on  XXXX .2017, requesting that the credit reporting agencies remove this item.

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