BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-06
Company: Rocket Mortgage, LLC
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
I started a VA 'streamline ' refinance application with Quicken Loans ( QL ) on XX/XX/XXXX. I was told that I would be closing in XXXX back in XXXX to which I requested information regarding why I did not hear about the closing details ( phone record to XXXX, XXXX should be with QL regarding his assertion I would be closing in XXXX ). When that failed, I gave the benefit of doubt that due to COVID, they were behind and he assured me they would be able to close in XXXX ( Phone records should also show this by QL ). I called their company to find out why it was taking so long and the representative stated it does seem unusually long beyond even the 'normal ' delays/circumstances for it to be still waiting for closing ( 77+ days and counting ). I should have closed in XXXX starting my savings of well over {$600.00} dollars a month, only to be still here in XXXX without a closure to my refinance. To top it off, the client care specialist stated that 'Due to COVID restrictions verifications are only good for 10 days ' ... ..I would really like to see the regulations that say now due to COVID 'verifications ' are only good for 10 days, otherwise this is harassment on top of being mistreated on the loan process. I attempted to resolve the issue with Mr. XXXX XXXX by requesting the new mortgage rate ( 2.725 % down from 2.875 % ) and at least one month of savings ( {$660.00} estimated ) toward closing since they have failed to close me the last 2 months and now pushing to the 3rd month on a supposedly streamlined VA refinance. I really wished I went with another company, I feel either this team or the company has severely mistreated me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28
Company: PNC Bank N.A.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I received a notice from XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX ( XXXX ) XXXX that my loan # XXXX was being transferred to PNC Bank XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX loan # XXXX. In a letter from PNC, I was told that funds would be drafted from my bank account and that the banking information was to be provided by XXXX XXXX. I highly objected to this. I did not give anyone permission to pass on my private information or PNC access to my financial instutution. 

After talking with PNC, I was told that my private banking information was going to be sent by XXXX XXXX without my permission and funds would be drawn from my bank account by PNC bank without my permmission. 

I placed a call to XXXX XXXX and it was explained to me that if they set-up a contract with PNC that granted the transfer of my banking information through a data conversion. Private information was to be shared without permission and accessed without permission. When I asked PNC Bank if this was legal they hung up on me and refused to discuss the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: WY
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:
On XX/XX/XXXX - XXXX, we were in XXXX XXXX, CO babysitting our grandchildren ( ages XXXX & XXXX ), their mother was at a XXXX inservice and there was no school for children. On XX/XX/XXXX miles away, someone made {$200.00} withdrawal at an ATM in XXXX XXXX, CO. We have another charge on the our credit card to show we ate breakfast in XXXX XXXX , and yet another charge at XXXX XXXX XXXX on a debit card at XXXX ( debit card is from our local credit union ), which shows we were in XXXX XXXX. 

We discovered this fraud charge on XX/XX/XXXX and called USAA immediately. USAA FSB VISA made an immediate adjustment and a new credit card was issued to my wife. We thought this was over, however, on XX/XX/XXXX, a rep from USAA Fraud called and left a voicemail to return a call. We thought it had already been taken care of, however, my wife returned the call and left a message. USAA did not return the call until XX/XX/XXXX, which was a voicemail asking for another return call. My wife returned the call on the XXXX, however, the rep did not pick up and she left a second voicemail. 
When my wife was unable to connect with the fraud rep, I checked my USAA credit card online, and the charge of {$200.00} had been reapplied. I called the USAA Fraud rep extension and left a voicemail ; I did not receive a call back. During the week of XXXX XXXX, we received a document asking us to swear to the fact that we did not make the alleged charge ; we signed the document asserting we DID NOT make the charge. Since that time, I have called USAA multiple times without any success. USAA Credit Card Service can not talk to the Fraud Dept, only leave an email?? Nobody has ever called us back or offered to resolve the fraud. On XX/XX/XXXX, I sent a registered letter to the XXXX of USAA detailing the calls and people we have talked to at USAA, no response was received ; I have the USPS Return Receipt to show it was received. 

We never went to XXXX on XX/XX/XXXX, or made a withdrawal on our credit card. We are both XXXX years old and we would never drive three or four hours with our grandchildren in the back of our car to make a cash withdrawal from an ATM XXXX miles away roundtrip.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
According to the fair credit act section A1A you are required by federal law to verify the physical verification of the original sign consumer contract all accounts you post on your credit report otherwise anyone paying for the reporting services could fax mail or email in a fraudulent account I demand to see verifiable proof and original consumer contract with my signature on it that you have on file this accounts listed below your fails should possibly have verify these accounts has hurt my ability

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-02
Company: American Credit Acceptance, LLC
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: Old information reappears or never goes away

Complaint:
I had a car loan in XXXX, or XXXX from American credit acceptance and the car was repossessed in XXXX But every year or month they put it on my credit as a new loan. It has been over a timeframe to come off of my credit. Which it is XXXX and it is still stopping me from getting a vehicle.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-12
Company: WELLS FARGO & COMPANY
State: GA
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:
I never got a mortgage with Wells Fargo Home Mortgage and I request them to provide a contractual agreement ( mortgage ) as proof I applied or have a mortgage with them. Not address or statements is not proof actual contract. 



Highest Balance {$140000.00} mortgage balance opened date XX/XX/XXXX closed date XX/XX/XXXX term 360 months Monthly Payment {$1300.00} Date of last payment XX/XX/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 2021-01-23
Company: CITIBANK, N.A.
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Placed order with retailer on XX/XX/2020 in the amount of XXXX, per the credit offers posted on the retailer XXXX, purchases on a personal XXXX credit account of at least XXXX qualify for 12 month financing promotion, meaning no interest if paid in full within 12 months of the purchase date.

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 2020-02-24
Company: DISCOVER BANK
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
I applied for a discover secured credit card and within few days I was approved and the card was sent out ... they took my XXXX dollars I work hard for and I received the credit card today XX/XX/2020 and I try and use the card and it didnt work and now I was told I need to fill out a form and return the IRS form back ... and in order to use the card and this is wrong I dont have a higher income and Im on XXXX  and I would want my secured deposit back if I dont get my card activated and they wasted my money and time and I dont feel like going anywhere in public and run errands ... this is XXXX and Im tired ... .. Im considering taking legal actions against discover for harassment

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-28
Company: SYNCHRONY FINANCIAL
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I recently reached out to and spoke to XXXX XXXX, senior specialist for Synchrony, on or around XX/XX/XXXX and she advised that XXXX would be re-opening the dispute I placed on or around spring/summer XXXX. The first fraud claim for I received back from Synchrony stated that the it was denied for the following reason : merchandise was shipped to customer 's verified address. As of XX/XX/XXXX, the claim was reopened and denied again. This time the reason selected for denial are as followed : ( 1 ) customer benefited from use of card/participated in the purchases and ( 2 ) customer accepts responsibility for the charges. If my wallet, credit cards, and license was stolen then of course someone could have easily purchased the my card. For one, the person who stole my wallet had every piece of my information, so I had to get a new ID and put locks on all credit reports. Of course they would have the items mailed to my house and swiped. Also, how does one claim have one reason and the second claim have 2 totally different reasons for denials. It makes no sense at all. Also, I never accepted responsibility for the charges nor did I ever speak to anyone and tell advise them of that since this claim was resubmitted. Back in XXXX a previous neighbor brought a package to my home that had been delivered to their home in error. She said she's been holding it since XXXX or XX/XX/XXXX, because I'm never home when she comes by. After looking at the details of the box it is a table. This XXXX case needs to be reopened and someone needs to tell me what I need to do with this box that was not purchased by me. Also, the box is unopened. I am willing to do whatever is necessary to get this handled in a timely manner and my credit report fixed with the errors.

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 2023-05-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I reviewed my Consumer Reports and noticed that I had several payments on my accounts that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the accounts : XXXX XXXX : Act # ( XXXX ) and XXXX Act # ( XXXX ). Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,

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 2020-05-19
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
On XX/XX/2020 at XXXX, I called Chase Credit Card company to inquire about a credit limit increase for my Chase Amazon Credit Card . I was never informed this would require a hard credit check and would reflect on my credit report. They ran a hard credit inquiry without my authorization. I have requested and received credit limit increases on other credit cards I have prior to this and have never had a new hard inquiry hit my report as a result of a credit limit increase on an already established credit line. I called Chase and spoke to XXXX ( a credit bureau specialist with Chase ) and requested to have the hard inquiry taken off of my credit report as I was unaware that would happen and was not notified of it, therefore it was not authorized by me. He then told me that Chase customer service should have informed me and had failed to do so when I spoke to them. However, he said he could not reverse the hard inquiry because it didnt qualify. I feel as though I was taken advantage of and that Chase knowingly did not inform me of this procedure and blindly took it upon themselves without my personal authorization to run a hard credit check on my behalf. I would like this immediately removed from my credit report and would like Chase to take responsibility for their actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-31
Company: Bread Financial Holdings, 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: Old information reappears or never goes away

Complaint:
I am writing to dispute the following information that appears on my XXXX  report : Account Number : XXXX : Source of dispute information : COMENITYCB/XXXX Dates associated with item being disputed : XX/XX/2011 Explanation of item being disputed : Product not received, it shouldnt still appear on my credit report. Please remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19
Company: Experian Information Solutions Inc.
State: AR
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:
This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. XXXX XXXX XXXX XXXX {$38.00} COLLECTIONS XXXX {$140.00} COLLECTIONS XXXX {$82.00} XXXX XXXX XXXX XXXX {$27000.00} XXXX XXXX XXXX {$360.00} XXXX XXXX XXXX {$2300.00} XXXX XXXX {$120.00} XXXX XXXX    XXXX {$9700.00} XXXX XXXX XXXX {$7600.00}

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 2020-05-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. XXXX XXXX XXXX XXXX {$38.00} COLLECTIONS XXXX {$140.00} COLLECTIONS XXXX {$82.00} XXXX XXXX XXXX XXXX {$27000.00} XXXX XXXX XXXX {$360.00} XXXX XXXX XXXX {$2300.00} XXXX XXXX {$120.00} XXXX XXXX   XXXX {$9700.00} XXXX XXXX  XXXX {$7600.00}

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 2020-05-19
Company: NAVY FEDERAL CREDIT UNION
State: TX
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/XXXX I used my Navy Federal Credit Union Visa card to get a Logo design from XXXX XXXX XXXX for {$59.00}. The company never designed the logo and stop responding my emails even after I was told by one of the " Account managers '' the refund was not going to be an issue. Everytime I contact their online support, I'm told I was going to get a call back. Never get one. 

Since XXXX XXXX Stop responding, I filed a dispute with NFCU. After more than a month they denied my request because the merchant said they give me the service. That was not true, I gave NFCU email and text copies of my conversation with XXXX XXXX which showed they are not responding to me. I also requested copy of evidence from the merchant provide but was denied. 

I requested a second review and NFCU will not reopen the case unless I have a written notice from XXXX XXXX that a refund is due. To me this makes no sense. I tried to resolve the issue ( my order was not deliver ) with the merchant and they stop responding. 

NFCU won't help with the disputed even when this disputed qualify for Fair Credit Billing Act and claims and defenses process because I never go my order and the merchant won't work to resolve the issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 sister informed me that I received a letter in the mail from where I use to live stating that I owed a debt of child support. I did a little investigating and I was told that someone has given my name and social security number to claim money every month. They have the wrong person. I decided to pull my credit report and it showed the exact same thing and several other accounts that had been opened under my name. These are unknown suspicious items I have never seen in my life. Please remove these fraudulent items from my credit report. 

XXXX  XXXX XXXX {$6500.00} XXXX XXXX XXXX XXXX {$6700.00} XXXX XXXX XXXX XXXX {$5500.00} XXXX  XXXX  XXXX   XXXX {$96.00}

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 2020-10-29
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Dear sir/ma'am, I am XXXX XXXX, I am very diligent in paying my balances. I am an honest person. I managed to get my credit score in ranges of XXXX XXXX by acting with discipline and diligence in paying my dues. This incidence below has led to substantial dip in my credit score from XXXX to XXXX without any fault of mine. 
I want to bring to your notice about in accurate reporting of delinquent account on my credit report. This is about XXXX XXXX # XXXX, as reflected on my credit report. There was a confusion and gap in communication. I never have got any communication and wasn't even aware that I am being charged on that card which I have never used for any transaction. I have spoken with XXXX officials and that has been rectified and corrected infact the same card has a negative balance of ( $ XXXX ). I can attach the statement for the same for your records and review. There is no balance due on me and the recent statement is a proof of that. Can you please suggest how can I get this erased from my credit report of all 3 organizations i.e XXXX, Experion and XXXX. It will be a great help as I have always been sincere and diligent in paying my debts. 
Despite closing with XXXX, I still see the dent in my credit score. The whole event should have been removed without even mention of that, as first there was no fault of mine and 2nd the mis communication was settled with XXXX with resolution of the case. 

Please help me in addressing this huge dent in my credit score with all 3 reporting agencies like XXXX, experian and so. 

Regards, 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 2022-12-29
Company: Kikoff Inc.
State: CT
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:
I was informed that I didnt have any late payment on the record they stated the reimburse the late payment charge but didnt remove from credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation