BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-28
Company: Rocket Mortgage, LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We refinanced our home with Quicken Loans/Rocket Mortgage. Quicken Loans/Rocket Mortgage had the payoff amount for our original home loan to XXXX XXXX XXXX XXXX  ( we provided them with the payoff amount that was good until XX/XX/20. We had our closing on XX/XX/20 and Quicken/Rocket was supposed to send the payoff amount on XX/XX/20. Apparently, XXXX XXXX XXXX XXXX  rejected their payoff amount and it was returned on XX/XX/20 and no one from Quicken/Rocket notified us nor did they contact XXXX XXXX XXXX XXXX to find out what was the reason. We received a call from XXXX XXXX XXXX XXXX  on XX/XX/20 asking us if anything was wrong and letting us know that we were past due on our mortgage payment with them and that if we do not make a payment by XX/XX/20 our credit score will be impacted. When we contacted Quicken/Rocket about this on XX/XX/20 they acknowledged the payment was returned and are still trying to figure out why and how to resolve this. They claim there was discrepancy with the amount they sent but given they had the payoff amount no one is able to provide us with the details on what has occurred. We have informed Quicken/Rocket that if this is not resolved today ( XX/XX/20 ) then we will be making the payment to XXXX XXXX XXXX to ensure our credit score is not impacted and they will need to reimburse us for this since we have already made our 1st mortgage payment to Quicken/Rocket on XX/XX/20.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
I changed to a different company by refinancing. I was having issues with my mortgage due to being a XXXX veteran and being on a budget. I could not get assistance from Wells Fargo and the fees were too high. So I left and found a company that would work with 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 2020-07-27
Company: EQUIFAX, INC.
State: TX
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:
XX/XX/2020 RE : Method of Verification Request Dear Equifax : This letter is in response to your recent claim that verified the accounts they are reporting is accurate. Please find attached certified letter XXXX sent on XXXX XXXX. This is regarding Credit Report on XXXX XXXX number XXXX. 
Please be advised that I am exercising my rights under FCRA 611 ( a ) ( 6 ) ( B ( iii ) which provides that a consumer may request a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. 
In compliance with this method of investigation request, please provide the following : The description of the procedure used to determine the accuracy and completeness of the information. 
Name, address, and telephone number of each person contacted regarding this alleged account. 
A copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 
Any automated response or XXXX verification is unacceptable. I am requesting a re-investigation along with your method of verification. 
The item in question is inaccurate and represents a very serious reporting error. See Below : - XXXX XXXX XXXX XXXX 4 Accounts ( XXXX ) Balance {$8600.00} Charge Off Balance $ XXXX Charge Off Balance {$2400.00} Charge Off Balance $ XXXX Charge Off - XXXX XXXX ( XXXX ) Balance {$31000.00} - XXXX XXXX ( XXXX ) Balance {$1000.00} Paid in Full Close - XXXX  ( XXXX ) ) Balance {$2000.00} I expect to receive a response within 15 days of receipt of this letter in compliance with the FCRA. If not, I expect this item will be removed from my credit files immediately. 
Thank you for your prompt attention to this matter. I look forward to resolving this matter as soon as possible. 
Regards, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: WA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
This event has happened approximately 8-10 times. When I make a principal payment mid-month, they charge me interest and escrow. I have to call them back and have someone fix it, and sometimes it takes several calls. We have only had the loan for a year.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
CAPITAL ONE BANK the Debtor acting as Debt Collector, is making claim against XXXX XXXX XXXX XXXX, ESTATE, the Creditor in a total misrepresented amount of {$360.00} past due allegedly as of XX/XX/XXXX. A violation of Title 15 USC 1692e. ( 1 ), ( 2 ) ( a ) ( b ), ( 4 ), ( 6 ) ( a ) ( b ), ( 9 ) and ( 10 ). 

CAPITAL ONE BANK is also in violation of NOTICE OF SURETY ACT & BONXXXX No. RE XXXX XXXX XXXX XXXX. See Maryland Department of Assessments and Taxation UCC File # XXXX and Instrument No. XXXX recorded in XXXX County real estate records viewable at XXXX. 

For the record, as pursuant to Public L. No. 10 Ch. 48, 48 Stat. 112, 113 ( HJR 192 ), all public debts shall be discharged for full " Acquittance Discharge Settlement '' and 'Closure ' to include but not limited to all so-called debts CAPITAL ONE BANK may portend or intend to demand to enforce, or to compel an individual to some specific performance for an alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05
Company: JPMORGAN CHASE & CO.
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I was charged {$140.00} from a vendor named XXXX. However, I never authorized that transaction. I called Chase to refund the amount and they have since refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13
Company: EQUIFAX, INC.
State: IL
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 XXXX XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60days later. I have not received a response yet I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should e deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-22
Company: WELLS FARGO & COMPANY
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
checked my credit report and saw a negative reporting by Wells Fargo. Called them. Spoke with XXXX XXXX who explained he did not see any late payments. I am currently trying to buy a home and ca n't get financing because of this.

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 2022-08-09
Company: EQUIFAX, INC.
State: NC
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 submitted a letter to the 3 Credit Bureaus XX/XX/2022 to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. 
Please see this complaint is processed to the letter of the law. This was already included in my prior COMPLAINT # XXXX, and I'm including it again. XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27
Company: Experian Information Solutions Inc.
State: TX
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:
RE : Method of Verification Request Dear Experian : This letter is in response to your recent claim that verified the accounts they are reporting is accurate. Please find attached certified letter XXXX sent on XXXX XXXX. 
Please be advised that I am exercising my rights under FCRA 611 ( a ) ( 6 ) ( B ( iii ) which provides that a consumer may request a  description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. 
In compliance with this method of investigation request, please provide the following : The description of the procedure used to determine the accuracy and completeness of the information. 
Name, address, and telephone number of each person contacted regarding this alleged account. 
A copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 
Any automated response or e-Oscar verification is unacceptable. I am requesting a re-investigation along with your method of verification. 
The item in question is inaccurate and represents a very serious reporting error. See Below : - XXXX XXXX XXXX XXXX 4 Accounts ( XXXX ) Balance {$8600.00} Charge Off Balance $ XXXX Charge Off Balance {$2400.00} Charge Off Balance $ XXXX Charge Off - XXXX ( XXXX ) Balance {$850.00} - XXXX XXXX ( XXXX ) Balance {$31000.00} - XXXX XXXX ( XXXX ) Balance {$3100.00} - XXXX XXXX XXXX Balance {$1100.00} - XXXX   XXXX ( XXXX ) Balance {$5800.00} - XXXX XXXX ( XXXX ) Balance {$1300.00} - XXXX XXXX Balance {$5000.00} Corporate Account from previous employer Balance $ XXXX Closed paid in full I expect to receive a response within 15 days of receipt of this letter in compliance with the FCRA. If not, I expect this item will be removed from my credit files immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22
Company: BARCLAYS BANK DELAWARE
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
So you are aware, we are paying on this debt. One month was owed that we accidentally skipped, and my husband made payments, today after I told him what happened. 
Our XXXX XXXX Barclay 's credit card apparently went to collections - this is my husband 's card, mind you, not mine - and a XXXX XXXX  ( spelling? ) from the company XXXX, called ME AT WORK asking for me to call them back at ( XXXX ) a number that took me to Barclay 's credit card company. When I spoke to a representative, I told him that I was complaining about the company calling me at work. He said he found us in the system, using my husband 's cell phone number ( the one that is in collections ), and said he can't discuss it at all to anyone and that I needed to call XXXX, which is XXXX 's number. Barclay 's couldn't even find my work number when I asked him to search that way. I am furious that they called ME and it's not even my card AT WORK, which they were never given permission to do. This is harassment and I wanted to file a complaint report against 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 2020-12-06
Company: Yamaha Motor Finance Corporation USA
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I have an account with Yamaha for two jet skis that I purchased. My XXXX payment was due on XX/XX/2020 and I made the payment over a week early on my banks bill pay. I started getting text and email messages that my payment was due in a few days so I called Yamaha and they said they had not received it. I called my bank, XXXX XXXX XXXX, and verified that they transferred the funds to Yamaha on XX/XX/2020. They called Yamaha and spoke with them while I was on the line, and provided them with confirmation that Yamaha received the payment. this was on XX/XX/2020. XXXX XXXX XXXX provided them with all of the information they requested and they said they would follow up with me within 24 hours. I have gotten three collection calls since then, and each time I explained that the payment was made and they were supposed to be investigating where it went. Every time, the person on the phone assures me he is going to escalate this issue to a supervisor and it will be resolved. It has been almost three weeks since the payment was received and two weeks since I was promised that I would have a resolution within 24 hours. Today I received both an email and a text message that my payment is past due and I have to make it immediately. If this is not resolved this is going to affect my credit and cause me damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31
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:
I looked up my credit report and there was a information on it that I had applied for a loan for a house and I was wondering what has happened because I have not ever applied for any loans, ever. I hope that we can resolve this so I dont have anyone trying to establish any lines of credit in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30
Company: PNC Bank N.A.
State: NC
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 debit card and statement showing I had opened 2 accounts with PNC Bank. I did not open any accounts with PNC. I called customer service for the bank immediately and had the accounts closed on XX/XX/21. I was told on the phone that I would receive a call from their fraud investigation dept but have yet to speak to anyone. Today, I received a Virtual Wallet Spend Statement in the mail, there was no balance or any transactions shown on the statement. I called customer service again and was told I would need to go to a local PNC Bank branch to verify whether or not the accounts were closed. I would like further information as to how this account was opened and some clear resolution from PNC Bank as I have heard nothing and no one has reached out to me about fraud. To be told that I have to spend my valuable time finding and going to a bank branch just to verify that these fraudulent accounts have really been closed is ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06
Company: JPMORGAN CHASE & CO.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
This complain for my small business account : XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX ID were compromised and my checking account was accessed. Someone transferred {$5000.00} out of my account via XXXX without my authorization. I have emails confirming that hack/theft through XXXX. Seeking assistance in getting my stolen money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Yesterday, XX/XX/XXXX a charge appears for {$280.00} yet I made no purchase yesterday. So I call them and as they are explaining to me what happened they hung up on me. I call back and speak to a XXXX who says they can't get details about the charge so I say why did the earlier rep have ability to access it. So I ask for a supervisor and none is available. So they waste an hour of my time and I have no more info. What a XXXX company.

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 2023-09-01
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

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

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


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-02-18
Company: DISCOVER BANK
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
companies refuse to permanently reverse reported fraud charges, even after numerous claims and being informed of fraudulent charges being opened under name

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-19
Company: Colony Brands, Inc.
State: VA
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:
my computer was hacked and i identity was stolen and i never applied to XXXX on XX/XX/XXXX and it is a hard inquiry and its on XXXX  and i would like it removed i have no phone number or address for them and i would like it removed

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-12
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX, Experian and XXXX  has reported my account by XXXX/XXXX  as 30 days late for XX/XX/2020. The payment was made in XXXX so my account is not late. Included with this report is proof that the XXXX payment was made.

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 2023-01-22
Company: WELLS FARGO & COMPANY
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I had a account with Wells Fargo and had it like 2 months my friend was transferring money to me it went through and Wells Fargo stopped it and then told me they were closing my account I didnt get a reason nothing when I tried to talk to them they didnt want to hear it its funny I still get emails about my balance Ive told them take me off ur list for emails and somehow I still get them

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 2023-08-31
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
After sending a lot of Dispute Letters and FTC reports, these negative items are STILL reporting. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-07
Company: Incomm Holdings Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
XX/XX/XXXX 2017 Received a XXXX prepaid debit card in the mail. 
It was not activated. It was unexpected. 
The card was sent by XXXX XXXX by XXXX. 
It was addressed to a person that does not live here. 
Suspect this is a scam whether intentional or not.

Company response to consumer: Closed with explanation