date_received
stringlengths 10
10
| product
stringclasses 21
values | sub_product
stringclasses 87
values | issue
stringclasses 179
values | sub_issue
stringclasses 273
values | complaint_what_happened
stringlengths 0
33k
| company_public_response
stringclasses 12
values | company
stringlengths 3
88
| state
stringclasses 64
values | zip_code
stringlengths 0
5
| tags
stringclasses 4
values | consumer_consent_provided
stringclasses 6
values | submitted_via
stringclasses 7
values | date_sent_to_company
stringlengths 10
10
| company_response
stringclasses 9
values | timely
stringclasses 2
values | consumer_disputed
stringclasses 3
values | complaint_id
stringlengths 1
8
|
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
2022-06-23 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | EQUIFAX, INC. | PA | 19144 | Consent not provided | Web | 2022-06-23 | Closed with explanation | Yes | N/A | 5699038 |
|||
2022-08-21 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | EQUIFAX, INC. | IL | 62034 | Consent not provided | Web | 2022-08-21 | Closed with explanation | Yes | N/A | 5902507 |
|||
2022-08-21 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | EQUIFAX, INC. | AL | 36502 | Consent not provided | Web | 2022-08-21 | Closed with explanation | Yes | N/A | 5902646 |
|||
2014-01-29 | Mortgage | Conventional adjustable mortgage (ARM) | Loan modification,collection,foreclosure | Onity Group Inc. | CA | 90046 | N/A | Web | 2014-01-29 | Closed with explanation | Yes | No | 691487 |
||||
2022-11-25 | Debt collection | Auto debt | Attempts to collect debt not owed | Debt was paid | TOYOTA MOTOR CREDIT CORPORATION | MD | 20784 | Consent not provided | Web | 2022-11-25 | Closed with explanation | Yes | N/A | 6242791 |
|||
2012-05-24 | Mortgage | Conventional fixed mortgage | Loan modification,collection,foreclosure | Onity Group Inc. | DE | 19971 | N/A | Web | 2012-05-29 | Closed with explanation | Yes | No | 87458 |
||||
2022-06-22 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Credit inquiries on your report that you don't recognize | EQUIFAX, INC. | TX | 77095 | Consent not provided | Web | 2022-06-22 | Closed with explanation | Yes | N/A | 5698174 |
|||
2022-06-22 | Debt collection | Credit card debt | Communication tactics | Frequent or repeated calls | ENCORE CAPITAL GROUP INC. | TX | 77338 | Consent not provided | Web | 2022-06-22 | Closed with non-monetary relief | Yes | N/A | 5698215 |
|||
2022-06-06 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with fraud alerts or security freezes | EQUIFAX, INC. | ID | 83404 | N/A | Phone | 2022-06-06 | Closed with explanation | Yes | N/A | 5637169 |
||||
2022-06-22 | Mortgage | Conventional home mortgage | Trouble during payment process | The complaint will be described in the attached documents, but here is an excerpt : BSI Acct : # XXXX Property Address : XXXX XXXX XXXX, XXXX, CA XXXX Tax Parcel : # XXXX XXXX XXXX XXXX To summarize the ongoing complaint : Below is an image of BSIs escrow history for my property account indicating XXXX XXXX XXXX XXXX and XXXX XXXXt ( for a net total three debits ) of {$2500.00} when there should be a total of only two debits for this amount. I was overcharged by {$2500.00} and need to be reimbursed for this amount. As outlined in the text below, the likely cause for this accounting error was an extra check BSI sent to the tax office which was not needed, and for which the tax office did not make BSI aware that it was uncashed ( photocopied and destroyed ). BSI needs to confirm this with the tax office ( a direct point of contact is provided, so no need to wait on hold ), and then reimburse me for the {$2500.00} overcharge. Attached copies of property tax bills confirm that only two debits/payments of {$2500.00} were needed to satisfy the tax bill.
BSIs prior response to CFPB complaint # XXXX is not accurate. It was impossible for the {$2500.00} payment in question to have been applied to the XX/XX/XXXX tax bill.
To help resolve this ongoing issue, I physically went to the tax assessors office to gather more information. The office was extremely helpful and provided a point of contact ( POC ) phone number and email for me and BSI to reach out to directly for additional clarifications ( see XXXX XXXX XXXX info below ) no longer having to wait in the hold queue.
A follow up phone call and email with the POC ( please see the email included as an attachment to this complaint. It contains a clear representation of the tax payment history for this property ) revealed the following : The XX/XX/XXXX payment was made by XXXX XXXX XXXX XXXX, not BSI.
Only 2 payments of {$2500.00} were needed to satisfy the tax bill, but 4 payments were sent by BSI for this amount.
For the tax period in question ( XX/XX/XXXX XX/XX/XXXX fiscal tax year ) BSI sent 4 payments of {$2500.00} to the tax office between XXXX and XX/XX/XXXX. Two of those payments ( highlighted in green rows ) were applied to satisfy the tax bill. The other two payments were not applied ( were not needed, since bill was satisfied with two payments ) Of the two unnecessary {$2500.00} payments, one was canceled by BSI ( BSI canceled the check ) The other remaining {$2500.00} payment was not cashed by the tax assessor it was photocopied for record keeping purposes and destroyed by the assessors office. No notification was sent from the tax office to BSI to make them aware of this destroyed, unnecessary check.
This is most likely the cause of confusion for BSI, since BSI was not made aware of the destroyed check by the tax office.
To bring this matter to a successful resolution, I ask BSI to : Speak directly with the tax office POC, XXXX XXXX XXXX, at the phone number below ( note that she is out of the office on Fridays ) to confirm that check # XXXX and # XXXX were not cashed. XXXX XXXX is also available by email XXXX XXXX XXXX Senior Treasurer-Tax Collector Specialist, Financial Division XXXX XXXX County Treasurer-Tax Collector 's Office XXXX XXXX XXXX XXXX. XXXX | XXXX XXXX, CA XXXX Phone : XXXX | Fax : XXXX | XXXX NOTE : DAY OFF-FRIDAY After BSI confirms with the tax office that the extra {$2500.00} payment was not needed, and never cashed, then BSI needs to reimburse me for the {$2500.00} associated with the erroneous check/payment that was debited from my impound account.
Sincerely, XXXX XXXX XXXX Below are property tax bills for the XXXX tax period in question as well as the years prior and subsequent to this period. All consistent with the information provided in the tax offices email ( attached to this complaint as a separate document ) showing that exactly two payments of {$2500.00} were needed NOT THREE!! | BSI Financial Holdings, Inc. | CA | 92009 | Consent provided | Web | 2022-06-22 | Closed with explanation | Yes | N/A | 5697899 |
|||
2022-05-23 | Vehicle loan or lease | Loan | Problems at the end of the loan or lease | Problem with paying off the loan | Company believes the complaint is the result of a misunderstanding | Equity 4 U, Inc. | WI | 53189 | Consent not provided | Web | 2022-07-13 | Closed with explanation | Yes | N/A | 5592533 |
||
2022-11-25 | Checking or savings account | Checking account | Managing an account | Fee problem | JPMORGAN CHASE & CO. | OR | 97210 | Consent not provided | Web | 2022-11-25 | Closed with explanation | Yes | N/A | 6249793 |
|||
2014-07-18 | Mortgage | Conventional fixed mortgage | Loan modification,collection,foreclosure | Onity Group Inc. | SC | 29651 | N/A | Web | 2014-07-18 | Closed with explanation | Yes | No | 944052 |
||||
2015-04-10 | Mortgage | Other mortgage | Loan servicing, payments, escrow account | Onity Group Inc. | WI | 53151 | N/A | Fax | 2015-04-14 | Closed with explanation | Yes | Yes | 1324842 |
||||
2022-04-23 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Credit inquiries on your report that you don't recognize | EQUIFAX, INC. | NY | 11717 | Other | Web | 2022-04-23 | Closed with explanation | Yes | N/A | 5487624 |
|||
2022-07-27 | Mortgage | FHA mortgage | Trouble during payment process | CARRINGTON MORTGAGE SERVICES, LLC | TX | 78516 | N/A | Phone | 2022-07-27 | Closed with explanation | Yes | N/A | 5818042 |
||||
2022-08-20 | Credit card or prepaid card | General-purpose credit card or charge card | Getting a credit card | Problem getting a working replacement card | Avant Holding Company, Inc. | NY | 10468 | Consent not provided | Web | 2022-08-20 | Closed with explanation | Yes | N/A | 5900298 |
|||
2022-08-20 | Debt collection | I do not know | Written notification about debt | Notification didn't disclose it was an attempt to collect a debt | EQUIFAX, INC. | FL | 33838 | Consent not provided | Web | 2022-08-20 | Closed with explanation | Yes | N/A | 5900392 |
|||
2022-06-22 | Debt collection | I do not know | Attempts to collect debt not owed | Debt is not yours | HW Holding, Inc | GA | 30064 | Consent not provided | Web | 2022-06-22 | Closed with explanation | Yes | N/A | 5697001 |
|||
2022-06-22 | Debt collection | Credit card debt | Communication tactics | Frequent or repeated calls | CLGF Holdco 1, LLC | FL | 32407 | N/A | Phone | 2022-06-22 | Closed with explanation | Yes | N/A | 5697203 |
|||
2016-05-18 | Mortgage | Conventional fixed mortgage | Loan modification,collection,foreclosure | Onity Group Inc. | WA | 98683 | Other | Web | 2016-05-23 | Closed with explanation | Yes | No | 1930514 |
||||
2022-06-22 | Debt collection | Credit card debt | Communication tactics | Frequent or repeated calls | CAPITAL ONE FINANCIAL CORPORATION | FL | 32724 | Consent not provided | Web | 2022-06-22 | Closed with explanation | Yes | N/A | 5696690 |
|||
2022-06-22 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | EQUIFAX, INC. | WI | 53222 | Consent not provided | Web | 2022-06-22 | Closed with explanation | Yes | N/A | 5696513 |
|||
2021-02-19 | Checking or savings account | Checking account | Problem with a lender or other company charging your account | Transaction was not authorized | CAPITAL ONE FINANCIAL CORPORATION | TX | 77035 | N/A | Phone | 2021-02-19 | Closed with explanation | Yes | N/A | 4151445 |
|||
2022-11-28 | Student loan | Federal student loan servicing | Improper use of your report | Reporting company used your report improperly | Nelnet, Inc. | GA | 30277 | Consent not provided | Web | 2022-11-28 | Closed with explanation | Yes | N/A | 6243046 |
|||
2020-01-18 | Debt collection | Medical debt | Attempts to collect debt not owed | Debt is not yours | TRANSWORLD SYSTEMS INC | AR | 72687 | Consent not provided | Web | 2020-01-18 | Closed with explanation | Yes | N/A | 3500907 |
|||
2022-08-20 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Old information reappears or never goes away | EQUIFAX, INC. | FL | 33838 | Consent not provided | Web | 2022-08-20 | Closed with explanation | Yes | N/A | 5900597 |
|||
2022-08-20 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Public record information inaccurate | EQUIFAX, INC. | NM | 87120 | Consent not provided | Web | 2022-08-20 | Closed with explanation | Yes | N/A | 5900777 |
|||
2015-01-11 | Credit reporting | Credit reporting company's investigation | Investigation took too long | Experian Information Solutions Inc. | TN | 38116 | N/A | Web | 2015-01-11 | Closed | Yes | Yes | 1189629 |
||||
2022-06-22 | Debt collection | Other debt | Attempts to collect debt not owed | Debt is not yours | CL Holdings LLC | PA | 17110 | Consent not provided | Web | 2022-06-22 | Closed with explanation | Yes | N/A | 5696198 |
|||
2022-06-22 | Money transfer, virtual currency, or money service | Domestic (US) money transfer | Other transaction problem | Bread Financial Holdings, Inc. | FL | 34472 | N/A | Phone | 2022-06-22 | Closed with monetary relief | Yes | N/A | 5696293 |
||||
2022-06-22 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | CAPITAL ONE FINANCIAL CORPORATION | IL | 60617 | Consent not provided | Web | 2022-06-22 | Closed with explanation | Yes | N/A | 5696315 |
|||
2022-11-17 | Debt collection | Credit card debt | Attempts to collect debt not owed | Debt was result of identity theft | ENCORE CAPITAL GROUP INC. | IL | 60623 | Consent not provided | Web | 2022-11-17 | Closed with explanation | Yes | N/A | 6210588 |
|||
2012-03-20 | Mortgage | Conventional fixed mortgage | Loan modification,collection,foreclosure | JPMORGAN CHASE & CO. | CA | 91326 | N/A | Web | 2012-03-21 | Closed without relief | Yes | No | 37487 |
||||
2012-08-28 | Mortgage | Other mortgage | Loan modification,collection,foreclosure | JPMORGAN CHASE & CO. | CT | 06606 | N/A | Referral | 2012-08-31 | Closed with explanation | Yes | No | 143481 |
||||
2022-06-22 | Debt collection | Other debt | Attempts to collect debt not owed | Debt is not yours | Company believes it acted appropriately as authorized by contract or law | Financial Assistance Inc | VA | 23832 | N/A | Phone | 2022-06-22 | Closed with explanation | Yes | N/A | 5695737 |
||
2022-06-22 | Debt collection | Credit card debt | Attempts to collect debt not owed | Debt was result of identity theft | CAPITAL ONE FINANCIAL CORPORATION | CA | 95608 | Consent not provided | Web | 2022-06-22 | Closed with non-monetary relief | Yes | N/A | 5695654 |
|||
2022-06-22 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account information incorrect | CBC Companies, Inc. | FL | 32714 | Servicemember | Consent not provided | Web | 2022-06-22 | Closed with explanation | Yes | N/A | 5695310 |
||
2022-08-20 | Credit card or prepaid card | General-purpose credit card or charge card | Other features, terms, or problems | Privacy issues | Synovus Bank | GA | 30281 | Consent not provided | Web | 2022-08-20 | Closed with explanation | Yes | N/A | 5899560 |
|||
2022-11-27 | Vehicle loan or lease | Loan | Managing the loan or lease | Billing problem | TD BANK US HOLDING COMPANY | AZ | 85032 | Consent not provided | Web | 2022-11-28 | Closed with explanation | Yes | N/A | 6244431 |
|||
2015-08-26 | Bank account or service | Checking account | Deposits and withdrawals | JPMORGAN CHASE & CO. | FL | 33411 | Consent not provided | Web | 2015-08-26 | Closed with explanation | Yes | No | 1537000 |
||||
2013-06-17 | Mortgage | Conventional adjustable mortgage (ARM) | Loan modification,collection,foreclosure | JPMORGAN CHASE & CO. | MO | 63129 | N/A | Web | 2013-06-18 | Closed with explanation | Yes | No | 435095 |
||||
2022-06-22 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account information incorrect | EQUIFAX, INC. | CA | 90015 | Consent not provided | Web | 2022-06-22 | Closed with explanation | Yes | N/A | 5695151 |
|||
2022-06-22 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | EQUIFAX, INC. | TX | 75228 | Consent not provided | Web | 2022-06-22 | Closed with explanation | Yes | N/A | 5695149 |
|||
2014-08-18 | Mortgage | Conventional fixed mortgage | Loan servicing, payments, escrow account | JPMORGAN CHASE & CO. | CO | 81645 | Older American | N/A | Phone | 2014-08-20 | Closed with explanation | Yes | No | 988485 |
|||
2022-04-23 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | EQUIFAX, INC. | CA | 94605 | Consent not provided | Web | 2022-04-23 | Closed with explanation | Yes | N/A | 5486679 |
|||
2022-07-27 | Student loan | Federal student loan servicing | Dealing with your lender or servicer | Need information about your loan balance or loan terms | AES/PHEAA | MI | 48092 | Other | Web | 2022-07-27 | Closed with non-monetary relief | Yes | N/A | 5817870 |
|||
2019-02-16 | Checking or savings account | Checking account | Opening an account | Didn't receive terms that were advertised | BBVA FINANCIAL CORPORATION | CA | 94115 | Consent not provided | Web | 2019-02-16 | Closed with explanation | Yes | N/A | 3154011 |
|||
2016-12-01 | Debt collection | Other (i.e. phone, health club, etc.) | Disclosure verification of debt | Not given enough info to verify debt | JPMORGAN CHASE & CO. | FL | 34984 | N/A | Referral | 2016-12-02 | Closed with explanation | Yes | No | 2232447 |
|||
2014-10-22 | Mortgage | Other mortgage | Loan servicing, payments, escrow account | JPMORGAN CHASE & CO. | CA | 94518 | N/A | Web | 2014-10-22 | Closed with explanation | Yes | No | 1081259 |
||||
2022-06-21 | Mortgage | Conventional home mortgage | Trouble during payment process | Selene Holdings LLC | OH | 43235 | N/A | Phone | 2022-06-21 | Closed with explanation | Yes | N/A | 5690909 |
||||
2022-11-24 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Credit inquiries on your report that you don't recognize | AMERICAN EXPRESS COMPANY | DC | 20011 | Other | Web | 2022-11-24 | Closed with explanation | Yes | N/A | 6239885 |
|||
2014-05-21 | Credit reporting | Incorrect information on credit report | Account status | TRANSUNION INTERMEDIATE HOLDINGS, INC. | MN | 55019 | N/A | Web | 2014-05-21 | Closed with non-monetary relief | Yes | No | 863145 |
||||
2022-06-21 | Money transfer, virtual currency, or money service | Money order | Lost or stolen money order | PLS GROUP, INC | NY | 11432 | Older American | N/A | Postal mail | 2022-06-21 | Closed with explanation | Yes | N/A | 5694420 |
|||
2022-06-21 | Checking or savings account | Checking account | Managing an account | Deposits and withdrawals | CAPITAL ONE FINANCIAL CORPORATION | PA | 19063 | N/A | Referral | 2022-06-22 | Closed with explanation | Yes | N/A | 5696466 |
|||
2016-02-12 | Consumer Loan | Installment loan | Shopping for a loan or lease | Social Finance, Inc. | TX | 77340 | Consent not provided | Web | 2016-02-22 | Closed with explanation | Yes | No | 1783830 |
||||
2021-08-02 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | EQUIFAX, INC. | SC | 29153 | Consent not provided | Web | 2021-08-02 | Closed with explanation | Yes | N/A | 4596062 |
|||
2022-06-21 | Debt collection | Credit card debt | Attempts to collect debt not owed | Debt is not yours | BSI Financial Holdings, Inc. | MN | 55411 | Consent not provided | Web | 2022-06-21 | Closed with explanation | Yes | N/A | 5695382 |
|||
2014-05-12 | Consumer Loan | Vehicle lease | Managing the loan or lease | CarMax, Inc. | NJ | 07981 | N/A | Fax | 2014-05-14 | Closed with explanation | Yes | No | 847315 |
||||
2014-06-30 | Debt collection | Credit card | Disclosure verification of debt | Not given enough info to verify debt | JPMORGAN CHASE & CO. | GA | 30907 | N/A | Web | 2014-06-30 | Closed with explanation | Yes | Yes | 917251 |
|||
2022-06-21 | Checking or savings account | Checking account | Managing an account | Deposits and withdrawals | Company believes it acted appropriately as authorized by contract or law | NAVY FEDERAL CREDIT UNION | WV | 26301 | N/A | Phone | 2022-06-21 | Closed with explanation | Yes | N/A | 5694324 |
||
2014-04-04 | Debt collection | Non-federal student loan | Communication tactics | Called after sent written cease of comm | IQOR US INC | MI | 49519 | N/A | Referral | 2014-04-08 | Closed with non-monetary relief | Yes | No | 794026 |
|||
2014-06-10 | Mortgage | Other mortgage | Loan servicing, payments, escrow account | EVERBANK, NATIONAL ASSOCIATION | OR | 97024 | N/A | Referral | 2014-06-12 | Closed with explanation | Yes | No | 888552 |
||||
2016-01-27 | Credit card | Other | JPMORGAN CHASE & CO. | NJ | 07052 | Consent not provided | Web | 2016-01-27 | Closed with explanation | Yes | No | 1760524 |
|||||
2013-05-02 | Mortgage | Conventional adjustable mortgage (ARM) | Loan modification,collection,foreclosure | JPMORGAN CHASE & CO. | NC | 27517 | N/A | Web | 2013-05-02 | Closed with explanation | Yes | No | 396894 |
||||
2016-12-20 | Bank account or service | Other bank product/service | Deposits and withdrawals | JPMORGAN CHASE & CO. | FL | 33155 | N/A | Referral | 2016-12-20 | Closed with monetary relief | Yes | No | 2255747 |
||||
2016-01-22 | Mortgage | Other mortgage | Application, originator, mortgage broker | JPMORGAN CHASE & CO. | NY | 11201 | N/A | Referral | 2016-01-25 | Closed with non-monetary relief | Yes | No | 1753901 |
||||
2022-06-21 | Debt collection | Medical debt | Written notification about debt | Didn't receive enough information to verify debt | Receivable Recovery Services, LLC | FL | 33511 | Consent not provided | Web | 2022-06-21 | Closed with explanation | Yes | N/A | 5694176 |
|||
2020-04-16 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | EQUIFAX, INC. | PA | 19124 | Consent not provided | Web | 2020-04-16 | Closed with explanation | Yes | N/A | 3608971 |
|||
2012-10-30 | Mortgage | Other mortgage | Loan modification,collection,foreclosure | JPMORGAN CHASE & CO. | FL | 33029 | N/A | Referral | 2012-11-01 | Closed with explanation | Yes | No | 181353 |
||||
2015-11-28 | Credit card | Identity theft / Fraud / Embezzlement | JPMORGAN CHASE & CO. | SC | 29657 | N/A | Referral | 2015-12-09 | Closed with explanation | Yes | Yes | 1674304 |
|||||
2022-07-27 | Payday loan, title loan, or personal loan | Title loan | Problem with the payoff process at the end of the loan | Rapid Auto Loans LLC | FL | 33023 | Consent not provided | Web | 2022-07-27 | Untimely response | No | N/A | 5817702 |
||||
2022-08-19 | Money transfer, virtual currency, or money service | Virtual currency | Fraud or scam | Coinbase, Inc. | CA | 94122 | Consent not provided | Web | 2022-08-19 | Closed with explanation | Yes | N/A | 5898260 |
||||
2013-11-28 | Mortgage | Other mortgage | Loan servicing, payments, escrow account | JPMORGAN CHASE & CO. | CA | 92661 | N/A | Referral | 2013-11-29 | Closed with explanation | Yes | Yes | 615248 |
||||
2014-10-20 | Mortgage | Conventional fixed mortgage | Loan servicing, payments, escrow account | JPMORGAN CHASE & CO. | MI | 48126 | N/A | Web | 2014-10-20 | Closed with explanation | Yes | No | 1078506 |
||||
2014-10-27 | Consumer Loan | Vehicle lease | Managing the loan or lease | ALLY FINANCIAL INC. | CT | 06716 | N/A | Web | 2014-10-27 | Closed with non-monetary relief | Yes | No | 1089843 |
||||
2021-09-01 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | EQUIFAX, INC. | LA | 707XX | Other | Web | 2021-09-01 | Closed with explanation | Yes | N/A | 4679866 |
|||
2013-03-05 | Mortgage | Conventional fixed mortgage | Loan modification,collection,foreclosure | JPMORGAN CHASE & CO. | GA | 30068 | N/A | Web | 2013-03-05 | Closed with explanation | Yes | No | 341642 |
||||
2021-08-02 | Mortgage | FHA mortgage | Applying for a mortgage or refinancing an existing mortgage | On XX/XX/XXXX I called Quicken Loans to inquire about Refinancing options. I was in the process of an application with another lender and I was unhappy with their terms, etc. I spoke with XXXX XXXX of Quicken who convinced me to move my business over to Quicken. He stated the refinance would only take approx 30 days to complete. I did so that day and within 2 days had completed all paperwork requirements etc. I was now waiting for the appraisal to take place. Weeks went by and i never heard from anyone. I placed numerous calls, emails, chats to different people and was told that it was a delay due to " volume ''. Finally, on XXXX the appraisal was completed. Again, silence for days/weeks afterwards. On XXXX I called and spoke with a rep who said the appraisal was " in hand '' and Quicken and the appraiser have been in constant contact discussing some issues in the report, specifically regarding a " capping of a water line '' and a possible " apartment ''. I asked to see the report and she said it will post shortly to my account. It never posted. I again never heard from anyone at Quicken. I called, I emailed, I chatted with Quicken and was repeatedly told the report is not yet finalized. They also told me there were NO ISSUES regarding the appraisal -- the delay was purely due to volume. I explained that someone already told me of a possible issue and every person i spoke to denied this fact. Finally, on XX/XX/XXXX the " dashboard '' for my account with Quicken was updated ( still no word from anyone and no copy of my appraisal was provided ) and it showed a drastic change to my refinance # s. My loan amount was reduced by {$30000.00} approx. and my debt to be paid off with the loan were removed. The entire formulation of the refinance was changed without any explanation or notice to me. I called my banker, I called customer solutions, etc. again and now i was told, " Oh, the appraisal came in low '' So, bottom line is ... .you need {$13000.00} to {$15000.00} cash to settle this loan at the new rate. '' Again, no mention of the issue with the apartment. I asked for a copy of the appraisal and was finally sent a copy on XXXX. My issue with Quicken is : 1. They took 4 weeks to send an appraiser. 2. They had the results of the appraisal since early XXXX but repeatedly lied to me stating the appraisal had never been seen and was still being created. They strung me along for 8 weeks. I lost my other offer. They " low balled '' my appraisal with XXXX in order to " kill my deal '' for reasons other than the apartment conditions. They did not want to take on this loan but they knew they had strung me along for 8 weeks and figured the low appraisal would be their ticket out. I have a XXXX bed XXXX bath home and comps are all running in my immediate area for $ XXXX and they came back with an appraisal of {$400000.00}. Absurd. My kitchen and bathrooms were completely remodeled. {$400000.00} is a ridiculous appraisal and they know it. I sent them XXXX recent comps in my immediate neighborhood of $ XXXX sold values. When i did that, then and only then did they say, " well ... you have to satisfy the conditions of the appraisal also. Those conditions are ... rip out the cabinets, sink etc in lower level or obtain a C/O/permit. " Quicken had no intention of closing on this refinance ... they knew that was the course they were taking in early XXXX but they chose to string me along for a total of 8 weeks. It was ONLY due to my insistence on XX/XX/XXXX that this issue be addressed that they finally showed me a copy of the appraisal. I lost my other connection/relationship and find their practices unfair and self-serving. No one should have to go through this again, hopefully. I have copies of emails, chats, etc. showing how they lied to me continuously and misled me. I hope this casts a shadow on their reputation and makes them reconsider their business practices. Thanks | Rocket Mortgage, LLC | NY | 117XX | Consent provided | Web | 2021-08-02 | Closed with explanation | Yes | N/A | 4596100 |
|||
2020-04-16 | Debt collection | I do not know | Attempts to collect debt not owed | Debt is not yours | Company believes it acted appropriately as authorized by contract or law | Phoenix Financial Services LLC | NC | 28215 | Consent not provided | Web | 2020-04-16 | Closed with explanation | Yes | N/A | 3608925 |
||
2020-04-16 | Money transfer, virtual currency, or money service | Debt settlement | Fraud or scam | Ameritech Financial | N/A | Referral | 2020-04-16 | Untimely response | No | N/A | 3608963 |
||||||
2014-04-09 | Mortgage | Other mortgage | Loan modification,collection,foreclosure | JPMORGAN CHASE & CO. | CA | 90232 | N/A | Postal mail | 2014-04-11 | Closed with explanation | Yes | No | 800227 |
||||
2016-03-18 | Mortgage | Home equity loan or line of credit | Loan modification,collection,foreclosure | JPMORGAN CHASE & CO. | MN | 55109 | Consent not provided | Web | 2016-03-18 | Closed with explanation | Yes | No | 1839295 |
||||
2015-09-09 | Mortgage | Other mortgage | Application, originator, mortgage broker | JPMORGAN CHASE & CO. | MI | 48221 | N/A | Referral | 2015-09-15 | Closed with explanation | Yes | No | 1556376 |
||||
2016-06-22 | Bank account or service | Checking account | Account opening, closing, or management | JPMORGAN CHASE & CO. | CA | 94515 | N/A | Referral | 2016-06-23 | Closed with monetary relief | Yes | No | 1979358 |
||||
2014-06-17 | Debt collection | Other (i.e. phone, health club, etc.) | Cont'd attempts collect debt not owed | Debt is not mine | IQOR US INC | CA | 94582 | N/A | Phone | 2014-06-19 | Closed with non-monetary relief | Yes | No | 898388 |
|||
2013-01-11 | Mortgage | Conventional fixed mortgage | Loan modification,collection,foreclosure | Specialized Loan Servicing Holdings LLC | KY | 40740 | N/A | Web | 2013-01-14 | Closed | Yes | No | 229004 |
||||
2022-06-21 | Money transfer, virtual currency, or money service | Mobile or digital wallet | Unauthorized transactions or other transaction problem | Block, Inc. | NY | 10469 | Consent not provided | Web | 2022-06-21 | Closed with explanation | Yes | N/A | 5693722 |
||||
2014-01-28 | Debt collection | I do not know | Cont'd attempts collect debt not owed | Debt is not mine | Halsted Financial Services, LLC. | AZ | 85748 | N/A | Web | 2014-03-04 | Closed with explanation | No | No | 687930 |
|||
2016-06-15 | Consumer Loan | Vehicle loan | Managing the loan or lease | NISSAN MOTOR ACCEPTANCE COMPANY LLC | TX | 75287 | Consent not provided | Web | 2016-06-15 | Closed with explanation | Yes | No | 1967964 |
||||
2022-06-06 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | LEXISNEXIS | CA | 93550 | Consent not provided | Web | 2022-06-06 | Closed with explanation | Yes | N/A | 5639041 |
|||
2022-08-19 | Money transfer, virtual currency, or money service | International money transfer | Money was not available when promised | JPMORGAN CHASE & CO. | CA | 91361 | N/A | Phone | 2022-08-19 | Closed with explanation | Yes | N/A | 5897172 |
||||
2022-06-21 | Payday loan, title loan, or personal loan | Installment loan | Problem with the payoff process at the end of the loan | Self Financial Inc. | TX | 77598 | Consent not provided | Web | 2022-06-21 | Closed with explanation | Yes | N/A | 5693670 |
||||
2014-01-16 | Debt collection | Medical | Communication tactics | Used obscene/profane/abusive language | J R Brothers Financial, Inc.(Closed) | AZ | 85226 | N/A | Web | 2014-01-23 | Closed with explanation | No | No | 672073 |
|||
2022-05-20 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | EQUIFAX, INC. | CA | 95747 | Consent not provided | Web | 2022-05-20 | Closed with explanation | Yes | N/A | 5583806 |
|||
2012-11-15 | Mortgage | Home equity loan or line of credit | Loan servicing, payments, escrow account | SUNTRUST BANKS, INC. | VA | 24014 | N/A | Referral | 2012-11-16 | Closed with non-monetary relief | Yes | No | 192095 |
||||
2012-08-07 | Bank account or service | Checking account | Deposits and withdrawals | JPMORGAN CHASE & CO. | AZ | 85213 | N/A | Referral | 2012-08-15 | Closed with explanation | Yes | No | 131820 |
||||
2014-07-26 | Credit card | Customer service / Customer relations | JPMORGAN CHASE & CO. | NY | 11218 | N/A | Web | 2014-07-30 | Closed with monetary relief | Yes | No | 955486 |
|||||
2012-06-08 | Credit card | Late fee | JPMORGAN CHASE & CO. | OK | 73160 | N/A | Web | 2012-06-15 | Closed with monetary relief | Yes | No | 97839 |
|||||
2012-05-21 | Bank account or service | Checking account | Account opening, closing, or management | JPMORGAN CHASE & CO. | CA | 91710 | N/A | Referral | 2012-05-31 | Closed with explanation | Yes | No | 86312 |
Subsets and Splits