BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-11-28
Company: Rocket Mortgage, LLC
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Quicken Loans DBA Rocket Mortgage NMLS ID : XXXX lists a 15 year conventional mortgage rate of 3.25 % with 2 points. 

Description https : //www.quickenloans.com/XXXX XXXX5-Year Fixed-Rate Mortgage : The payment on a {$200000.00} 15-year Fixed-Rate Loan at 3.25 % and 75.00 % loan-to-value ( LTV ) is {$1400.00} with 2 points due at closing. The Annual Percentage Rate ( APR ) is  3.704 %. Payment does not include taxes and insurance premiums. The actual payment amount will be greater. Some state and county maximum loan amount restrictions may apply. 


On Monday XX/XX/XXXX Rocket mortgage ran a cyber Monday promotion with the following details : *Client will receive an additional XXXX discount points. Offer is valid on Rocket Mortgage applications received between XXXX ET and XXXX ET on XX/XX/XXXX. This offer is only available to clients who complete the " Lock My Interest Rate '' step of the application process on the Rocket Mortgage website. Applies to refinance loans in the amount of {$100000.00} or greater only. Offer does not apply to jumbo loans. Additional restrictions/conditions may apply. Not valid with any other discount or promotion. 


Upon completing their application I was not offered the discounted rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13
Company: Incomm Holdings Inc.
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I purchased in my vanilla card and added approximate {$250.00} To the card. There was some kind of miscommunication regarding the ownership between my mother and I we both called in and claimed we both use the card. My vanilla gift card would not finished her ongoing investigation until I called yesterday the XXXX only to find out that the funds are no longer valid. The company is retaining possession of the funds I put on the card

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
These accounts are fraudulent XXXX {$550.00} XXXX XXXX {$610.00} XXXX XXXX Universit {$1600.00} XXXX XXXX {$0.00} XXXX XXXX XXXX {$630.00} XXXX XXXX {$1800.00} XXXX XXXX   {$1100.00} XXXX XXXX {$1000.00} XXXX XXXX {$2100.00} XXXX XXXX {$100.00} XXXX XXXX   {$100.00} XXXX XXXX {$500.00} XXXX XXXX {$100.00} XXXX {$1800.00} XXXX {$2000.00} XXXX XXXX {$740.00}

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 2019-04-25
Company: RGS Financial, Inc.
State: LA
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:
RGS FINANCIAL IS REPORTING A NEGATIVE REMARK ON MY CREDIT REPORT. MY LAWYER AND I HAVE PREVIOUSLY ADVISED THEY DELETE THEIR NEGATIVE ITEM OFF MY CREDIT REPORT. ACCORDING TO THE ( FCRA ), they are to provide me SIGNED DOCUMENTS with MY signature on them, stating I OWE them the amount shown on my credit report. 

WHO IS RGS FINANCIAL? Ive never contacted them for anything. 

PLEASE DO NOT PROVIDE ME WITH ANY STATEMENTS WITH MY NAME ON THEM, NOR ANY IDENTITY INFO FOR VERIFICATION SUCH AS : name, address, date of birth or social security number. Im assure you are aware of the amount of identity theft there is in the country. 

I DEMAND REQUEST FOR SIGNED DOCUMENTS STATING I AGREED TO PAY RGS FINANCIAL OR ANY SIGNED CONTRACTS I HAD WITH THEM OR PROMPTLY STOP REPORTING TO THE 3 MAIN CREDIT BUREAUS ( XXXX XXXX XXXX ) THIS UNVERIFIED ACCOUNT IS PREVENTING ME FROM LIVING A FAIR LIFE. 

PLEASE PROVIDE ME WITH THE CORRECT VERIFICATION PROVIDED OR I WILL USE LEGAL ACTION IN COURT WHICH IS AWAITING!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
My identity was stolen back in XX/XX/2016. Multiple credit lines, banks, and other products were open under my name. My wallet was stolen and my drivers license, social security card and credit cards were stolen. Bank of American was one of the banks that opened these fraudulent accounts under my name. Now they have placed me in XXXX XXXX XXXX marked with a notation of fraud. I was never aware of these accounts being opened. I was never notified by bank of American and Bank of America has not validated that any of the accounts and checks that were cashed were mine, they have not provided me with any documentation with my signature. By law any fraudulent accounts that were opened due to Identity theft should be blocked and removed. Bank of America is in violation of many federal banking laws and the FCRA federal laws I have filed complaints with the OCC and my local attorneys general office. I am aware of my consumer rights and my father is an attorney. If this issue isnt corrected by Bank of America I will seek litigation to clear my name!

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 2018-03-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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:
Capital One has refused to acknowledge any payment I have made since the month of XX/XX/XXXX,  and has continuously placed late payments on my credit profile regardless of the balance of any payment arrangement that has been offered. I have contacted the presidents office on more than one occasion, only to be ignored. My account has not been reviewed, nor reported accurately, and when I call in to speak to someone I am given a new reason why another late payment has been reported. There have been errors in customer account handling ad well as credit reporting on my account, which at this point has caused me to seek legal council. I was called in XX/XX/XXXX and told the account would be looked into, to only receive a generic letter stating there were no errors made which was a lie. 
A payment was made on XX/XX/XXXX in the amount of {$100.00} via a customer service representative. I was provided with the confirmation # XXXX. I continued to check my bank account to ensure the funds were removed, but by XX/XX/XXXX, the funds were still there. I contacted Capital One to see what happened with the payment as I had not received any communication from Capital One or my bank ( XXXX XXXX  ) regarding the payment. After a lengthy call with a Capital One supervisor as well as my bank on a 3-way call we arrived at the conclusion the bank had made an error. I immediately paid the {$100.00} again ( confirmation # XXXX ), yet I still received a non-payment placed on my credit profile for the month of XX/XX/XXXX. I made another payment of {$39.00} on XX/XX/XXXX ( confirmation # XXXX ) yet I recieved a non- payment placed on my credit profile for the month of XX/XX/XXXX as well. I am making every effort to effectively communicate as well as pay yet my efforts have been ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-25
Company: U.S. BANCORP
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: Account information incorrect

Complaint:
US Bank did not notify ( phone or mail ) that my account was negative. I called on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/2018 and three times I was told my account was current and not 30 days late. I was told I had to pay to the {$950.00} to bring my account current. {$950.00} is my monthly payment.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
FRAUDULENT INFORMATION IS BEING REPORTED AND THE REPORTING AGENCY IS BEING NEGLIGENT DESPITE ME SUBMITTING POLICE REPORTS AND THEFT AFFIDAVITS

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 2017-11-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
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:
My complaint # XXXX about XXXX  regarding Bank of America account # XXXX still has not been resolved. The paperwork provided by Bank of America does not validate the alleged amount owed XXXX {$880.00} ). This is my third request for a re-investigation.

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 2019-04-25
Company: EQUIFAX, INC.
State: MD
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:
My loan payments were always sent on time. I keep explaining this to Equifax but they keep on saying that the accounts are accurately reported and verified. The accounts were not reported correctly and I would like it fixed! Please CFPB step up and correct the status because I was never late on my accounts. 


XXXX XXXX XXXX XXXX XXXX and XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 have submitted numerous disputes with Transunion, XXXX, and XXXX about two of my accounts. The first one is passed statue of limitations here in Florida and I have even tried to work out something with them. I have yet to hear or see it removed after two months. XX/XX/XXXX is when the first dispute was finished. 

The Creditor 's have not responded either. 
Here is the first account. 


XXXX XXXX View All Accounts Previous Next Details Account # XXXX Original Creditor - Company Sold - Account Type Revolving account Date Opened XX/XX/XXXX Account Status Closed Payment Status Charged off as bad debt Status Updated XX/XX/XXXX Usage 96 % Balance {$670.00} Balance Updated XX/XX/XXXX Credit Limit $ XXXX   Monthly Payment - Past Due Amount {$670.00} Highest Balance {$600.00} Terms - Responsibility Individual account Your Statement - Comments Profit and loss writeoff Contact Information XXXX XXXX XXXX, OH XXXX ( XXXX ) XXXX Payment History On Time120120+ Days Late3030 Days LateFPFailed to Pay6060 Days LateNNegative9090 Days Late The second is my XXXX Account which I have an active one and for some reason they said I got a Card in XXXX that is negative. This is 100 % % % % Not true. I did have one over 10 years ago but when I called and got my new XXXX card they added this from XXXX which I never once opened an account! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$2500.00} XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13
Company: TRUIST FINANCIAL CORPORATION
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am filing this complaint because REGIONAL ACCEPTANCE CO ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts under Section 611 ( 5 ) ( A ) of the FCRA- they are required to. Promptly delete all information which can not be verified. Please resolve this manner as soon as possible thank you

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 2021-02-02
Company: Nelnet, Inc.
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
The Department of Education/NELNET is showing that I have 6 late payments, not sure why it's showing that I have 6 late payments when I am in a repayment plan. I've called the Department of Education/NELNET and asked them about this issue and was told that they did not see any late payments that my loan was showing current. Please remove this immediately because it is causing negative marks on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-27
Company: Santander Consumer USA Holdings Inc.
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
I had called XXXX on XX/XX/XXXX to open a claim to an accident that happened on XX/XX/XXXX. I was on a three way call with XXXX and who I thought was an agent from Santander to finalize all of the information on the account and to have XXXX CLOSE the account with Santander. There was talks on faxing documents to XXXX ( from Santander ) when they received certain information from each other the loan would be taken care of. I had given my social, all personal information, and permission to have this done with Santander. I was under the impression the loan was closed out with Santander that day due to the information I was given from the " Santander '' agent. I received a letter of automatic payments coming out again from Santander. Upon calling them to check on the status of the closed loan, they had no record of me even calling. I had asked several times if he was sure and he said yes. I am afraid at this point my information is compromised, and that we didn't have a good phone number for Santander. I was three way 'd in so I do not know the number the agent from XXXX  had called. I reached out to XXXX to have them verify from me that on there end I had called and had the conversation and they confirmed everything with me for verifying I called and handled this on the XX/XX/2018.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26
Company: BBVA FINANCIAL CORPORATION
State: CA
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:
BBVA Bank in XXXX, Alabama, is an absolute outrage, and shocking to the conscious. In XXXX, XXXX, someone opened an account in my name and deposited and withdrew {$5000.00}. It was Identity Theft. I am on Social Security and S.S. notified me in XXXX, XXXX that this account was opened in my name I immediately notified BBVA, the FTC, the IRS and the local Sheriff. One year later S.S. notified me that they would begin to deduct {$95.00} a month starting XXXX, XXXX to repay S.S. 
BBVA bank first put me through a worthless, futile year of trying to report this fraud by phone through their lying, incompetent phone reps. Then BBVA put me through a 3 month worthless, futile period of trying to report this issue by confidential email through their lying, incompetent email reps ( I uploaded notarized ID Theft documents, color copy photo documents of my birth certificate, social security card and state photo I.D . with a notarized affidavit of my motor vehicle change of address ). At the end of all these lies, BBVA informs me that I have to submit all documents through regular mail. 

This bank is a total scam bank. First they will send you through their worthless call center. Then they will send you through their worthless confidential email. Then thewill XXXX UP on your actual mailing address and list the WRONG MAILING ADDRESS. I received a scam email from them from their confidential email system which they stated my actual physical address, but I do not receive mail at this address. I RECEIVE MAIL At MY P.O. BOX AND I HAVE TOLD THIS TO THEM OVER AND OVER AGANI. This bank is a fraud in every way possible!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-15
Company: Paypal Holdings, Inc
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I sent funds via PayPal for a service. The person was suppose to provide a business logo and did not. I emailed the merchant and fiord a claim with PayPal. The person did not provide the logo or a refund. The person stated they didnt receive the funds but PayPal confirmed they did. 

Payment {$64.00} XX/XX/19

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
My car was damaged at the dealership, XXXX XXXX XXXX on XXXX XXXX in XXXX, New Jersey. The car was financed by Bank of America and it had {$12000.00} in damages by the dealership employee with no valid drivers license. The car is a XXXX XXXX XXXX XXXX XXXX XXXX. The bank has refused to rescind the deal after my car was damaged by the dealership. The car should have been a total loss on XXXX XXXX. The car was fixed by XXXX XXXX XXXX at XXXX Collision in XXXX, New Jersey. My signature was forged on documents that i accepted the car back from the dealership. That is no true. The dealership committed fraud on me and the bank. That is not what I paid for when i bought the car on XXXX XXXX from XXXX XXXX XXXX with a XXXX mile extended warranty. I want this problem rectified.

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 2021-02-02
Company: BTH Management
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I noticed on my credit report that Plaza servic just place a collection from XXXX XXXX XXXX on my credit report. They are not the original creditor. I never received a collection letter for me to dispute this prior for them placing this on my credit file. I mean for them to do this during this pandemic that the hardships is causing everybody is cruel and inhumane. They will try to claim they did send me a letter so it can stay on my credit file or say they can't find me.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-25
Company: WESTERN UNION COMPANY, THE
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/11 while I was out of town in GA someone created a Western Union online account in my name and withdrew {$490.00} from my  checking account. The next day I called my bank to report this fraud. A month later they stated it was authorized by me due to the person having my name, address and cell phone number as well as bank card info. The report also listed an email address which was not mine and an ip address which is from XXXX, Fl and XXXX. I live in MD and have XXXX. I've called both my bank and Western Union multiple times but they are not doing anything about it. I've also gave them the police report claim number and my XXXX phone records to prove that I did not call Western Union or text Western Union during that time. I am not sure if this has been happening to anyone else, but something needs to be done.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28
Company: Northstar Location Services, LLC
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Sent a debt validation letter, it had a tracking number and they received it on XX/XX/2020, the fair debt collection laws they are not allowed to contact me until they validate the debt in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-17
Company: CITIBANK, N.A.
State: OK
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've paid my monthly payments for years with the same account and now they will not accept my payments through this account over the phone but I can go to one of their locations and make it on the same account with no problem with the account that they don't accept over the phone

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 2019-04-25
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
XXXX XXXX did not notify ( phone or mail ) that my account was negative. I called on XXXX, XXXX, and XX/XX/2018 and three times I was told my account was current and not 30 days late. I was told I had to pay to the {$950.00} to bring my account current. {$950.00} is my monthly payment.

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