BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-05
Company: Rocket Mortgage, LLC
State: MA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Quicken Loans / Rocket Mortgage Loan Number : XXXX are braking the federal law! Per Cares Act Page H.R. 748-210 ( act ( 50 U.S.C. 1601 et seq ) it is required for Quicken Loans and or my Mortgage Servicer Genny May to report to all three of my credit beauros as " CURRENT '' as per my personal conversation with XXXX XXXX Pier Servicing Escalation Specialist Direct : ( XXXX ) XXXX Fax : ( XXXX ) XXXX I am being told that even tho as the factually recorded line of credit states current status and always has been current prior to my entrees in to forbearance it will show and further be reported as " suppressed " means " nothing "! Cares act also states that this line of credit will not hard my credit history in any way! FACT! my LTV on all of my accounts will stay the same so if in fact this particular line of credit will show anything other then what is written BY USA FEDERAL LAW i will consider this action as A BRAKE IN THE LAW BY QUICKEN LOANS! EVERYTHING ON MY END HAS PROOF AND IS RECORDER! AS WELL AS QUICKEN LOANS ON THEIR WEB SITE DO NOT AND I REPEAT DO NOT GIVE A FORMAL OPTION TO PUBLIC TO OBTAIN 180 DAYS OF FORBARANCE AT FIRST INNITUAL REQEST BY CUSTOMERS! I WANT THIS INCIDENT PUBLISHED ON consumerfinance.gov so that others can learn from my experience! i AM IN SEARCH OF BEST PERSONAL ATTERNEY TO HANDLE THIS CASE AND WILL AWAIT FOR ONE / FIRST ONE MARK ON MY CREDIT BY QUICKEN LOANS OTHER THEN CURRENT! I WANT YOU CFPB TO CONTACT THEM AND LET THEM BE AWEAR OF BRAKING THE LAW! AND MAKE SURE THAT THEY ARE NOT BRAKING THE FEDERAL LAW ON MY PERSONAL RECORD! THIS FOLLOW UP HAS CAUSED ME ALOT OF STRESS AND MENTAL AS WELL AS PHISICAL PAIN AND SUFFERING IN THIS DIFFICULT TIME OF EPEDEMIC WHICH SHOULD BE A SIMPLE TASK TO FOLLOW THE FEDERAL CARES ACT LAW! PLEASE LOOWUP WITH ME MY CELL PHONE OR EMAIL!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Hello CFPB, Im having a problem with Experian reporting information on my credit report that is incorrect. I submitted a dispute about 3 weeks ago to Experian because they did not update a loan with XXXX XXXX showing the loan had been paid in full with XXXX balance. I disputed the incorrect info but Experian kept the information on my account even though I submitted a letter from XXXX  stating the account was paid in full.

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 2016-01-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
The deposits that were made for additional principal payments were not fully credited to the principal balance. According to the bank, some of the checks deposited were returned. 
We were never informed of the returned checks. Despite numerous requests to get copies of the returned checks, the bank failed to provide us with copies of the returned checks. Even though our requests were very specific, instead of copies of the returned checks, the bank kept sending us the account transaction history. 
[ The detail description of the issues is attached herewith. ]

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Capitol One reported me late 1 30 day late which I was and I was over my limit by XXXX I received a settlement in the spring of 2019 and paid in in full. Then later it was stolen about a week later I called them and they did block it and never sent me another said they could not verify me so not only did they not send me another card and report me XXXX 30 day late I never got the opportunity to correct this due to they close my account because of not activity in a year well I can't use the card if you don't send a new then also the whole argument was they wanted to send a copy of my ss card I was not willing to do that and the social security office informed me that it is illegal to use this as a form of identification I offered to walk into one of the Capitol one banks in XXXX XXXX they told me no. I have also be getting emails from them that I am pre-qualified but I am constantly denied to have a card with them because they have some kind of block on my acct for fraud so I am never issued a card this card was issued right after my bankruptcy and I paid it off I don't who is committing fraud by paying off someone else credit card please delete entry with ALL credit bureaus and correct my file with your company and if you really do not want me to have a card then please stop sending me pre applications.Its seems as I am being punished because I paid it off and did not have any more lates closing my acct has affected my credit as you closing accts you loose point. please correct rapid rescore me

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-04
Company: WELLS FARGO & COMPANY
State: IL
Product: Mortgage
Sub-product: Other mortgage
Issue: Application, originator, mortgage broker

Complaint:
We were sold a Pick-a-Pay loan in 2006 by Mortgage Broker XXXX XXXX with XXXX. XXXX XXXX was bought out by Wachovia and then Wells Fargo bought both XXXX and Wachovia. My mortgage was never assigned to XXXX XXXX, Wachovia or Wells Fargo. I have put in several complaints regarding my issue but Wells Fargo denies all allegations and never supplies proof of anything. XXXX XXXX at Wells Fargo is assigned to look up the origination of my loan and they must prove that they own and was assigned my mortgage. They must also show proof the origination of my loan was not fraud but until now no proof has been supplied on Wells Fargo side. There are XXXX mortgage recorded in 2006 for XXXX different amounts. There are 3 applications : 1 ) showing my income as {$6200.00} per month ( I have this in my possession ) It was handwritten. 2 ) another showing my income as {$8000.00} ( generated by Wells Fargo ) I have this XXXX in my possession, and 3 ) regarding a so called equity line of {$35000.00} in which Wells Fargo has yet to show proof of. I have no recollection of an equity line. Nothing has been recorded for an equity line. They are trying to foreclose and can not without proving they have an original. Please see attachments.

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 2016-05-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
My husband and I had mortgages Bank of America For the last twelve months they have misrepresented that they would modify a line of credit as my husband and I has lost our jobs. They refused to take any monies from us during this time even though we were trying to become current. The after they kept stringing us along for 8 months. 
They denied the remodification and foreclosed on us even after we brwd the money to pay. 
after t

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 2017-01-04
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
I have been using a credit monitoring service for sometime now. When my husband and I were in the process of applying for a preapproval for a mortgage, our credit scores were a lot higher than the credit monitoring service showed. The XXXX credit monitoring service showed a score of XXXX but when the mortgage company pulled my credit my score was 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 monetary relief
Consumer complaint received 2015-04-04
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Experian has failed to remove a canceled judgement by XXXX Bank from my credit report. The other XXXX agencies have done so. The address identification number used by Experian is XXXX. The authorization to cancel judgement by XXXX Bank was filed on XXXX XXXX, 2012 in the state of North Carolina at XXXX county district court ( XXXX XXXX XXXX ).

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
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 was looking over my report and I see you guys marked me as late on XX/XX/2022. According to 15usc 1681 ( A ) you are not supposed to do this.

I also asked for A copy of THE contract to include TRUTH in LENDING DISCLOSURE and HAVE STILL NOT RECEIVED IT. 

I also SENT a MOney order BUT HAVE STILL NOT RECEIVED CONFIRMATION of this OR SEEN IT POSTED TO my ACCOUNT. THEREFORE UNDER UCC Article 3 YOUR FAILURE TO APPLY and DISCHARGE the DEBT REPRESENTS A BILLING error. 12CFR 1026.13 ( 3 ) ( 4 ) ( 5 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-25
Company: Navient Solutions, LLC.
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I refinanced my loan from Navient XX/XX/XXXX. They provided me with all of the numbers which needed to be inputted to ensure that my loans were paid in full by the company who was doing the refinancing. The paperwork went through that same day, and yet I still owed a balance ( roughly equal to a 2-3 days worth of interest ). I have always figured this was due to their incompetence, but was stonewalled by their customer service team. My final supplementary payments went through on XX/XX/XXXX for {$210.00} and {$160.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-01
Company: The CBE Group, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I discovered this account on my credit. I never received a notice for the right to dispute. I have no knowledge of the account.

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 2022-06-04
Company: Nationwide Credit & Collection, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have sent you guys a letter dated XX/XX/2022 & still have not got a response. 
XXXX  Nation Wide used my identity and fraudulently opened this account and reported these derogatory accounts to all credit reporting agencies. They've violated my rights pursuant to FDCPA section 807 by false and misleading reporting. I've also been violated of my rights pursuant to 15 USC 1692D ( 4 ) just for parking the debt on my credit report trying to get me to pay it. I do not have any contract with my signature on it with this company. I've never done any business with XXXX nor have I ever given them any of my information, so this is also a violation of my rights pursuant to 15 USC 1681A ( Q ) ( 3 ). I also never gave this company consent to report this alleged owed debt to my credit report, so this is another violation of my rights as a consumer pursuant to 15 USC 1692c ( b ). This alleged owed debt is furnished on my consumer report in a positive amount. It is impossible to pay on a positive balance. This is false and misleading and a violation of 15 USC 1692e ( 2 ) ( A ). Because this debt does not belong to me, nor am I obligated to pay it pursuant to 18 USC 8, I demand that this company cease and desist all communication and fraudulent activity reporting ASAP. This complaint will be forwarded to the Attorney General, FTC, XXXX and CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I would like to file a Complaint against Bank of America Home Mortgage as it pertains to erroneous escrow [ Insurance ] charges to my Acct -- which is a XXXX year fixed rate conventional mortgage with a monthly fixed payment. We have provided numerous documents to B of A proving seamless, and correct coverage .I purchased my insurance through a reputable insurance agent who simply made a change in the underwriting but not in my coverage back in XX/XX/2016. There has been no lapse of coverage proven, and no non payments of the original mortgage amount. i have received a past due notice for the mounting amounts for the erroneous escrow charges. Upon visiting a local B of A office this am, i was told i must first pay the erroneous charges before they will relieve them from my account. According to the local B of A office at XXXX in XXXX, NC XXXX XXXX # XXXX, " their '' mistake has been on file/record for months but they can not correct the erroneous billing error. This is an unfair banking practice to have me, as a consumer, pay hundreds of dollars in erroneous escrow charges first BEFORE they will correct " their mistake ''. Yes, i said before B of A will relieve all escrow charges from my account. Apparently, this is a scheme to hold a loan customer XXXX, i worry that it may impact my credit as well.. Please advise -

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 2015-05-09
Company: CASHCALL, INC.
State: MO
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
I took out a loan with XXXX XXXX in XXXX of XXXX for {$2500.00}. My interest rate was set at 138.85 % with monthly payments of {$290.00}. After making 2 years worth of payments, over {$7000.00}, I finally submitted a complaint. My loan was moved from XXXX XXXX to CashCall to XXXX XXXX where they offered to reduce my interest rate to 20 % with a monthly payment of {$110.00} around XXXX of XXXX. It is now XXXX XXXX and my loan has been moved back to CashCall. After doing some research, I found out that in XXXX of XXXX, our Attorney General ( MO ) sued XXXX XXXX controlled by XXXX XXXX and this operation is prohibited from making or collecting on any loans in Missouri. The lawsuit also cancels existing loan balances for Missouri borrowers but I am still receiving notices that my monthly payment is due and will be extracted.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-04
Company: TD BANK US HOLDING COMPANY
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I received a statement in the mail for a checking account and a money market account that I did not open. I contacted the bank and reported it as such.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
There is information thats on my credit report that is a result of identity theft. I did not provide written information or instructions for the identified transactions to be report on my consumer report. I am requesting that the report of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer : XXXX XXXX XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2017-01-20
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I 've been paying on my loan since I came out of forbearance, interest payment, etc. for several years. I make monthly payments but the amount of the loan never decreases, not even a XXXX. I have asked for loan forgiveness programs and others to decrease payment and has been informed that I do not gualify for anything. What really puzzles me is that the loan does not decrease no matter what I pay. 
My employment and service for 40 + years have been helping XXXX. At one time, I was told if I worked in this capacity I would qualify for some type of loan forgiveness but, I have yet to see this happen. Please help me get some relief. I pay and my loan continue to grow interest and increases.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-07
Company: WELLS FARGO & COMPANY
State: AZ
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
Hi I found a few fraudulent transactions in my wells fargo account that I do n't frequently use up to a little more than XXXX months old. I was able to resolve with the merchant myself on most of them except one of {$480.00}. Over the entire process, Wells Fargo was unfriendly and not helpful. This {$480.00} transaction happened between the bank and a fraudulent XXXX account which XXXX was not able to identify in the first ACH return request attempt that Wells Fargo made. After a another round of phone calls ( I do n't even remember how many rounds I have had ), XXXX was finally able to because the fraudulent account has everything correct except a non-existing email address. Even this email has my full name correctly spelled. And now this is identified, XXXX needs another " ACH pull back '' from the bank, which Wells Fargo refused to make. Their representatives ( many ) on the phone refused to help me further by saying they never made XXXX attempt, tried to get away by blaming me for not knowing how to prevent identity theft, not reading monthly statement in time, and also refused to direct me to higher level. Please kindly help me on this!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-30
Company: Experian Information Solutions Inc.
State: KY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I made a payment using an automated system and the system used the phone number for my bank checking account number now I have a late payment on my credit report it was for {$10.00} I made the payment soon as found out about it

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 2015-06-09
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
I filed a dispute in 2013 against the collection agency known as XXXX account number XXXX Phone number XXXX with Experian sometime in 2013. Experian failed to obtain evidence from XXXX that validates the debt. I have not received within accordance to Landlord/Tenant law an itemized receipt to verify money owed to XXXX Court. I paid a large deposit and feel that was sufficient to cover expenses. Consumer reporting agencies must correct or delete inaccurate, incomplete, orunverifiable information and they have failed to do so.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-01
Company: Ceannate
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I have been assigned to the loan servicer called FMS. I was never informed that a loan went into default as I have been using XXXX for another school loan and believed it was my only XXXX. Only when my loan with FMS went into default did they contact me or leave a voice mail message. It has now been 4 months since I was told and have been trying the default forgiveness program they provided. It is extremely shady and unprofessional, as are the employees. I would really like to consolidate my loan and or switch this other loan to XXXX, a much more professional company. They have taken my tax return even as I 've been paying them every month for the default forgiveness program and still it is n't working somehow.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-24
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I had a lien for my state taxes, which I paid in full last XX/XX/2014. I took out a loan so I could pay it, and have also repaid the loan. This was all done through my bank XXXX XXXX XXXX. XXXX XXXX. XXXX XXXX XXXX, XXXX, MA. XXXX phone XXXX. p. XXXX, XXXX. I have tried to get this resolved by sending documents to Experian Credit Reports, to no availe. It is still reporting that I hav n't paid the XXXX. Which in turn is affecting my credit. sombody needs to do something, as I just ca n't seem to get my name and credit cleared, and I 'm tired of trying. Could someone Please help me out. Thank-You.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation