BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-26
Company: U.S. BANCORP
State: MT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/XXXX, I accidentally sent money with XXXX to Elan Card Member Service instead of my XXXX XXXXXXXX card. The payment was {$1500.00}. I noticed the error on XX/XX/XXXX. I immediately called Elan @ XXXX to correct the payment. I visited with XXXX. She saw the credit on the card and said she would begin the process to return the payment to XXXX. She said it would take just a couple of days. I did not receive the credit back so I called XXXX on the XXXX XXXX. I was on hold for over 2 hours to talk to a representative. Just to have them tell me they could do nothing to help me to get my funds returned. So I again called Elan. XXXX told me there was nothing she could do. I would have to wait 19 days for an investigation to see if they would return my funds. I do not have a balance on this card. They have a credit for the amount sent. I asked how they could keep my money when they knew it was sent in error. She said it wasn't her problem. I would have to talk to a different department and she hung up on me. So I tried to file a dispute with XXXX XXXX XXXX XXXX  to help me receive my funds. They denied my dispute. It is now the XXXX of XXXX and I still have no idea if or when I can expect to receive my funds.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16
Company: Experian Information Solutions Inc.
State: TX
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:
In accordance with the Fair Credit Reporting act XXXX  XXXX # XXXX, XXXXXXXX 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, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2018-12-01
Company: Rocket Mortgage, LLC
State: UT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I recently refinanced my home through Rocket Mortgage ( Quicken Loans ). I was told my loan was due on the first but I had until the XXXX to pay before my loan will be considered past due. 

It was going fine with auto pay until Rocket Mortgage ( Quicken Loans ) decided to change the date for their billing statement to the XXXX of the month. No advanced notice was given that if I did not change the date of my auto pay that I would be considered past due. 

It was not until I received my last billing statement in the mail that my loan showed that I was past due by one payment. 

I consider this a deceptive practice by Rocket Mortgage ( Quicken Loans ). If I now had to show my billing statement to someone in order to obtain a new loan it would show that I'm late by a payment. 

I contacted Rocket Mortgage ( Quicken Loans ) and they advised I'm not really late and it just shows that I am on the statements. This makes absolutely no sense. If I'm not really late why are my statements showing that I am. Since I am very concerned about what is on paper along with what my credit report shows this has forced me to move my auto pay date to the beginning of the month. Moving the auto pay to the beginning of the month also forces me to move up my payment by one pay check which impacts my overall budget. 

Rocket Mortgage ( Quicken Loans ) should be ashamed of themselves for such an underhanded and deceptive practice. They advertise a mortgage experience engineered to amaze and this definitely does not fall into that category. I'm completely disgusted by this billing experience. 

I would like my mortgage statement fixed to show that I was never past due since according to them I'm not and it just shows that I am. 

It makes me wonder it they think they move the statement date up that they can have more funds on hand sooner to originate more loans. If this is not the case I would like them to explain why they would do this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Wells Fargo have charged me overdraft fees 25 times since XXXX. I am now over drawn because of the overdraft fees and I believe this is unfair and unjust especially in these trying times. I'm already struggling to make payments and now I have over XXXX $ in overdraft fees. In addition The Wells Fargo customer service phone line is down and the branch are closed so I have no way of contacting the bank to discuss this matter. I'd also like to add that a lot of banks are offering free overdraft, something that Wells Fargo should consider.

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 2022-10-07
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: Their investigation did not fix an error on your report

Complaint:
I'm victim of identity theft, my personal information has been stolen, I have sent numerous times dispute letter to credit Bureau and they didn't fix my problem. 
In accordance with the Fair Credit Reporting act. The List of account bellow has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX  XXXX XXXX XXXX XXXX 15 U.S.C. 1681 Section 602 A. States I have the right to privacy. 15 US.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C. 1681 c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crime which antedates the record by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person known or reasonable cause to believe that the information is inaccurate. 
I have attached a copy of all supportive documents for my statement

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-22
Company: Collection Service of Nevada
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This collection of {$160.00} does not belong to me, it has been effecting my credit since the date showing on XXXX XXXX. I have not used this service I am being billed for, this account needs to be removed from my credit history and credit score. 

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 2022-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. This is the item I demanding to be deleted 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 2022-10-07
Company: CITIBANK, N.A.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XXXX XX/XX/2022, I sent a sum of {$1000.00} to a XXXX XXXX after I was introduce to an crypto- currency investment for profits that I was convince to be legitimate type of investment. 

I sent {$1000.00} from Citi Bank account - XX/XX/2022 I found out later that this whole investment was a scam. I contact both bank right away. I have received a notice from Citibank that they are unable to assist in retracting the funds.

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 2022-01-26
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Per tracking, Its been XXXX months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR
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:
Information reported incorrectly on my credit report. Account : XXXX. 
Please update information as informed by creditor XXXX XXXX  to XXXX   and TransUnion XXXX XXXX Form XXXX control # XXXX Submitted on XX/XX/2018. 

XXXX SC : XXXX Transunion SC : XXXX By submitting this XXXX, the creditor certify that have verified the accuracy of the data in compliance with all legal requirements.

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 2020-01-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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 XXXX is reporting an account with a balance to my credit report. However I have already paid this off and it should not be reporting with a balance. I would like this removed as it is inaccurate and was already paid.

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 2022-10-07
Company: Conn's, Inc.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/21, I purchased furniture from Conn 's Appliance , Inc. invoice XXXX in XXXX, VA. The amount of the items purchased was {$4200.00} ( with fees XXXX + XXXX + XXXX ) a total of {$4600.00}. However the amount of the contract was for {$5800.00}. An overcharge of {$1100.00}. The math is wrong. ( The Lamp and end table were promotional items and were paid for in cash ). I was also charged for a Gaming Desk which purchase was cancelled. In addition the service contract was cancelled inadvertently without my knowledge. Attached please see a copy of the contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07
Company: Netspend Corporation
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
I purchased XXXX prepaid cards and loaded them with XXXX dollars. They are from ( XXXX ) XXXX from netspend and ( XXXX ) XXXX from XXXX and I have reached out to both companies and all they did was gave me the runner round. I sent in all of the documentation regarding this issue and they said 5 days, and this has been going on for a month now. They asked if the cards was in my possession and told them they was. And the cards that I purchased has another name to these cards. So XXXX of the recipes are fading from being in my wallet. So the cards that I submitted will not be in my name and it will have someone else name on 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 2015-09-15
Company: Diversified Adjustment Service, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
i 'm STILL getting regular phone calls from a robot identifying itself as " Diversified Adjustment services '' and it 's driving me crazy. they call at various times, sometimes waking me up. they fill up my voicemail. i have no debts! XXXX of the numbers they call from is XXXX it 's been MONTHS!

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26
Company: ENCORE CAPITAL GROUP INC.
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-13
Company: DISCOVER BANK
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
A checking account was opened with Discover in my name despite having a security freeze in place with all three credit bureaus. Discover stated the account will be closed. I have since placed a freeze with XXXX to prevent future fraudulent bank accounts. When I initially had my identity stolen a few years ago, I was not made aware of this additional site to freeze, and did not realize that banks don't use the credit bureaus for checking accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX has violated my rights, 15 U.S.C 1681 section 602 A. States I have the right to privacy. 
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 
15 U.S, C. 1681s-2 ( AX1 ) A person shall not furnish any information relating to a consumer to any consumer reportina agencv if the knows or has reasonable cause to believe that the information is inaccurate

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 2019-11-22
Company: Mr. Cooper Group Inc.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Aurora Loan Services abusive loan servicing practices. In XX/XX/XXXXthey held XXXX plus in their restricted account and refused to release it to us. They placed forced insurance on our account in XX/XX/XXXX and refused to take it off after we notified them we had insurance creating shortages in our escrow account. 
In XX/XX/XXXX they closed XXXX XXXX and forded all other periodic statements to a fictitious address of XXXX XXXX XXXX. 
In XX/XX/XXXX were notified we by their attorney XXXX XXXX our loan was in default by 39 days, we immediately contacted them and was told we had XXXX in a suspense account and we need to send about XXXX to cure the default, which we did, they refused the money and said its in their attorneys hand. 
We have been fighting since and have requested documentation from them of our servicing of our loan until now, they have refused to give them to us. 
They have denied Loan Modifications, They have forwarded Fraudulent Documents in the Courts. 
They have refused to work out anything with us.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-22
Company: ALEXANDER-ROSE ASSOC, INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Creditor was sent an accord and satisfaction payment and had endorsed and deposited the payment. Now creditor is refusing to acknowledge they agreed to the accord by endorsing and depositing the accord and satisfaction payment. If they were not in agreement they should have sent my payment back but they endorsed and deposited and have receive the funds. 

This debt should now be paid as agreed via payment. 

Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-22
Company: Bread Financial Holdings, Inc.
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/XXXX, 60 Days late XX/XX/XXXX, 90 days late in XX/XX/XXXX, 120 days late in XX/XX/XXXX, and 120 in XX/XX/XXXX I am not sure how this happened. I believed I was under a different payment program due to family situations, I was assured by a representative that they would not mark my payments late!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-05
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In accordance with the fair credit Reporting act XXXX Account # XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section A 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I submitted to CFPB complaint XX/XX/2020 ( XXXX ) and CFPB closed the complaint upon the receipt of PHH Mortgage response ; I responded to the PHH Mortgage with entire year XXXX paystubs as well as a Hardship letter ; XXXX c/o PHH Mortgage affiliated with OCWEN responded with resending same Unaffordable Trial Period Plan XXXX with extended the period ; forbearance is still in effect ; however, I receive mortgage statements that includes missed payments and late fees and other charges related to missed payments. 
XXXX c/o PHH Mortgage failure to is acknowledge true income amount from XXXX paystubs ; failure to acknowledge XXXX PHH Mortgage XXXX miscalculating errors and continue using incorrect income information in processing creating enormous calculation error is not honesty in fact and it is UNFAIR XXXX c/o PHH Mortgage has not observed reasonable considerations imminent default is due to enormous increased mortgage {$1400.00} to {$2800.00} XXXX XX/XX/2020 ) during a Worldwide COVID Pandemic- ( personally affected ) not considering XXXX. 
Loan Modification can reduce your monthly payment to a more affordable amount ; Loan modification can lower interest rate extend the loan term. It is evident that loan modification is extremely beneficial. 
XXXX c/o PHH Mortgage/OCWEN have not exhibited good faith, fair dealing, ordinary care, honesty in fact, and observed reasonable standard of Loan Modification. 
This whole situation is incredibly distressing to the world and I would be able to make payments if fairly affordable.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021, I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person.

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