BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-16
Company: Rocket Mortgage, LLC
State: DE
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have had a mortgage with Quicken for 4-5 years and have never missed a payment. I scheduled a payment for XXXX for my minimum amount and added almost {$30.00} to be applied to principle. This transaction went through on XXXX as intended. On XX/XX/XXXX, I checked my XXXX Bank account and noticed Quicken made another deduction for just my minimum amount. So in total, Quicken withdrew {$1500.00} on XXXX and {$1500.00} on XX/XX/XXXX. 
This second deduction caused my XXXX account to be overdrawn, which has never occurred. I notified Quicken of this situation on Monday XX/XX/XXXX and they said they would note the account and forward it to somebody to research. 

I get a call on XX/XX/XXXX at XXXX est from XXXX XXXX to review what i just explained. She tells me that two payments were scheduled and that i needed to contact my bank XXXX XXXX XXXX to stop payment and i am going to get a fee from Quicken for the returned payment. I expressed how ridiculous this was for many reason. 

Couple major issues i have with how this situation was treated : 1. We are in the middle of a pandemic and XXXX showed no empathy or willingness to help a customer ; she seemed to repeat the same lines without adding any personal touch to the call ( the call was recorded by Quicken between XXXX and XXXX est. ) 2. Quicken/XXXX   was notified of this error on XX/XX/XXXX by me and did not inform me until after banks are closed on the east coast on XX/XX/XXXX that i would need to do a stop payment on the " resubmitted '' payment that i already told them wasn't valid. This seems to be a very convenient way to generate fees or a very ineffective way to communicate internally. 
3. History shows my payment history ; its always minimum plus a little more towards principle. Anybody outside of the financial industry could evaluate this transaction and easily determine i didn't make/authorize two payments on two consecutive days. 
4. Inability for agent XXXX XXXX XXXX to make a decision that makes sense ; seemed very scripted and robotic, which is, in my opinion, a bi product of a company that is driven by internal policies that do not allow common sense to be used at the expense of losing a {$20.00} fee. 
5. I requested to escalate this call and was not provided XXXX XXXX superiors information. She said her boss was XXXX but would not give any contact information. 

All I wanted from the original call was to inquire about why two payments went through and to see if Quicken would cover 2 overdraft fees from XXXX. After speaking to XXXX, its clear what drives Quicken and it has nothing to do with Customer Service.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-06
Company: Incomm Holdings Inc.
State: WI
Product: Prepaid card
Sub-product: General purpose card
Issue: Unauthorized transactions/trans. issues

Complaint:
I received a XXXX XXXX pre paid credit card as a birthday gift on XXXX XXXX, XXXX with a {$50.00} balance. I called the activation number on XXXX/XXXX/XXXX and placed it in my wallet for future use. On Tuesday XXXX XXXX, XXXX I learned the balance was {$0.00}. I logged into the website and learned a transaction took place on XXXX/XXXX/XXXX from XXXX XXXX. I 've never had any dealings with XXXX XXXX and did n't authorize them to make a transaction. I called the XXXX XXXX Customer Service line on XXXX/XXXX/XXXX and explained the problem to the Agent. I received the Transaction Dispute form on XXXX/XXXX/XXXX @ XXXX from FSSGCWebInquiry XXXXXXXXXXXX. I ca n't provide you with the information for XXXX XXXX because I ca n't locate it on the internet and the XXXX company does n't provide that information on their transaction page. XXXX card states it 's issued by XXXX XXXX Bank and distributed and serviced by ITC Financial Licenses. 

The gift card dispute form says the dispute needs to be filed within 60 days of the transaction, but that 's impossible to do since I did n't know about the transaction and XXXX XXXX does n't send a monthly statement indicating when transactions take place. I searched the internet and found this has happened to multiple people using the XXXX XXXX gift card and with the same XXXX XXXX transaction. The transactions are routinely made one day after a person activates their card. The card is never used anywhere so the common denominator is consumers using the XXXX XXXX company for the gift card and the XXXX XXXX company 's phone line to activate the account. I would like a full refund for this fraudulent transaction. I posted a warning on my facebook page and learned the same thing happened to a friend XXXX years ago with the same company. He also bought a " XXXX XXXX '' card from XXXX XXXX, the account was drained and InComm denied his dispute. I searched your website and found other claims against ITC Financial and one of them describes a similar situation that I encountered.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-17
Company: The Bureaus, Inc.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
THE BUREAUS {$710.00} On XX/XX/XXXX I sent a letter over the The Bureaus to get more information on this debt that I do not recognize. They responded with a letter dated XX/XX/XXXX with a summary of the details which does not make much sense. 

Date of last payment showing XX/XX/XXXX but the date of the first delinquency is XX/XX/XXXX which is 85 days after the date of last payment. Charge off date XX/XX/XXXX which would be 243 days from the date of last payment but 158 days from the date of first delinquency which I thought would be 180 days for charge offs. Also I sent them another letter on XX/XX/XXXX for more information because nothing made sense including the bills they sent to me. Bill due dated XX/XX/XXXX with a balance of {$530.00} XXXX XXXX ) then a bill with no due date just a balance of {$710.00}. ( XXXX ) Where are the bills from XXXX? 

On XX/XX/XXXX there was a settlement letter from yet another place called XXXX XXXX XXXX XXXX on behalf of The Bureaus but nothing about what I have been asking.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28
Company: Earnest Inc.
State: AZ
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I requested an Earnest account for my tuition at XXXX XXXX. After I requested the loan I found a way to pay for the tuition without the loan. Earnest sent me a notice that the loan was dispersed to XXXX on XX/XX/2022. 

I asked XXXX if they received the payment and could they return it to Earnest? They did not received payment from Earnest. This was confirmed by XXXX on XX/XX/2022. 

Earnest stated they had dispersed the loan. XXXX does not have the funds on XX/XX/2022. Earnest will not cancel the loan without the funds being returned. 

Earnest charged me {$25.00} payment of funds that were not dispersed to XXXX. Asked Earnest again to cancel the loan. They stated they could not until the funds were dispersed on XX/XX/2022. XXXX again states no funds received. 

XX/XX/2022 Second payment is now due on a loan that has not dispersed to XXXX. I can not get the loan cancelled. There is no number for servicing. All correspondence is via email. Some emails go unanswered. Tuition is due in full on XX/XX/2022 and still no dispersement from Earnest. However, both payments are now due. This is impacting my credit and my opening of a loan for a mortgage. I have all billing and email correspondence for reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28
Company: PNC Bank N.A.
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
XX/XX/2022 I made a purchase online XXXX XXXXXXXX XXXX XXXX/ for {$490.00}. They said I would be provided with a tracking number once purchase was made. I tried contacting daily for the number and finally they responded today stating they needed {$200.00} more to cover shipping insurance. I contacted my bank and told them I needed a refund for a payment made using the banks XXXX app. The bank said no buyer protection is offered using XXXX and nothing they could do. This is PNC bank that I bank with. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX XXXX, XXXX XXXX XXXX XXXX, NC XXXX, XXXX XXXX XXXX XXXX, NC XXXX, XXXX XXXX PL XXXX XXXX XXXX, NC XXXX, XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX : {$0.00}.

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 non-monetary relief
Consumer complaint received 2022-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
The credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, and date last reported is not accurate. This is ground for removal. They also stated one account was deleted and it reported 6 different times after they reported it deleted. They violated my rights. 


15 USC 1681 SECTION 602 I have a right to PRIVACY.

15 U.S.C 1681 SECTION 604 It also states a consumer reporting agency can not furnish a account WITHOUT MY WRITTEN INSTRUCTIONS. 

Also the credit bureau took more then 30 days to complete my 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 2022-11-30
Company: ZIONS BANCORPORATION
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
My complaint is against Nevada State Bank. 

When a costumer have problem with his/her credit or debit card at certain time of the day, he/she is unable to get help from costumer service calling to the XXXX or XXXX line provided for the same bank provides in those cases. They just limit to say " Please call on regular hours, the department is closed!!!! It is incredible and doesn't make sense at all!!! 

It have happened to me several times because I usually consult my account in the evenings. The times it has happened I have been even when I have written my ID and password correctly, but my account HAD BEEN LOCK! Then, when I have tried to reach someone in costumer service to help me with the matter, like others banks do, the representative always says " you have to call in regulars hours because I did not have access t the account ''. The service is really awful! 

The last time that my account was locked was on XX/XX/2022 about XXXX XXXX XXXX time. I was thinking that the worst is that it could happen in a holiday like XXXX XXXX or a weekend that the bank do not work, it means that Nevada State Bank XXXX clients would have to be with their accounts Lock just because Nevada State Banks REFUSES to hire more representatives to help their clients as suppose to on evenings. It shows that XXXX XXXX is very poor and INCOMPETENT!!! 

I think this matter deserves attention to be corrected & this institution must takes care about ASAP, because it is very wrong and it represents an unfair business practice. 

Thank you very much

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 2023-11-09
Company: CITIBANK, N.A.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX High Credit : {$410.00} {$410.00} {$0.00} Last ReportedXXXX XX/XX/XXXX XX/XX/XXXX Date Last XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX none of these credit bureaus are matching DEPT OF ED/XXXX need to be removed only XXXX is reporting XXXX XXXX XXXXXXXX XXXX Monthly Payment : {$0.00} n/a {$1800.00} Last Reported : XXXX XXXX XXXX  Date Last Active : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Account Status : Closed Paid n/a shows paid on XXXX, closed on XXXX, XXXX not reporting

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 2022-06-28
Company: Capstone Credit & Collection, 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: Account information incorrect

Complaint:
I have an XXXX XXXX on my credit from Capstone and I have provided my marriage certificate and my drivers license to show that my name wasn't XXXX in XXXX. I have been married since XXXX so my old license was destroyed when I changed my name but the collection agency said they are not removing it because it was me The representative that I spoke to was rude and nasty and didnt want to hear anything I had to say when I called to find out how could I have gotten a apt in my maiden name 5 years later when I havent used my maiden name since XXXX. I am sending over this complaint to see if I can get some resolution to my problem. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28
Company: CCS Financial Services, Inc.
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I call XXXX XXXX directly to cancel my auto policy because I was starting a new auto insurance policy with another company. I seem to have still been billed 2 months after making a call to cancel in XX/XX/2019. So I was charged a total of {$700.00} which includes the remaining amount of the premium. Now in collections with CCS Collections. I reached out directly to XXXX XXXX when I received the email notification and they responded that my account was never canceled but could see where I called but could not pull the call for proof.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01
Company: NAVY FEDERAL CREDIT UNION
State: GA
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 am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you. 
"

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting Act : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 explanation
Consumer complaint received 2022-06-07
Company: Mr. Cooper Group Inc.
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XXXX of 2021 my escrow was re-analyzed by Mr. Cooper and my mortgage payment went down starting in XXXX. Because Mr. Cooper was late sending out this notice, my autopayment sent a mortgage for the old amount of {$1500.00} and not the new amount of {$1300.00}. I reached out and asked the extra to be applied to my principal. 

Immediately I started seeing unusual charges on my account like " Maintenance '' and " Lender Paid Expense ''. I started inquiring about these fees and was told they were related to " property registration that was filed in 2021 due to a delinquent account ''. I've never missed a payment so I started inquiring about why that happened and specifically who they paid the fee to. I tried via long phone calls and also via emails to XXXX, XXXX, XXXX and XXXX. I also spoke to the PA Dept of Revenue and the boro where the property is and nobody knows anything about delinquent accounts. 

Because the Mr. Cooper message portal marks every message as " resolved '' and disables replying, my only options are to sit on hold for hours to be connected with someone who says " they're looking into it '' or email people who then reply with paper mail saying " they're looking into it ''. 

I just received another statement with another " maintenance '' fee. I honestly think Mr. Cooper stole the money and is just avoiding me because they can't provide a receipt or recipient of where this money went or why. 

Any statements included show unexplained fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07
Company: EQUIFAX, INC.
State: MI
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:
On XX/XX/XXXXXXXX XXXX XXXX XXXX  balance the company says belongs to me doesnt in the amount of {$1200.00} ] THIS ACCOUNT DOES NOT BELONG TO ME I HAVE DISPUTED THIS IN THE PAST WITH THE ORIGINAL COMPANY ( XXXX  ) XX/XX/XXXX XXXX {$1400.00} balance the company says belongs to me is inaccurate/settled THIS ACCOUNT HAS BEEN SETTLED!! 

XX/XX/XXXX Accnt type : CREDIT CARD XXXX XXXX {$3800.00} balance the company XXXX XXXX claims belongs to me and it doesn't XX/XX/XXXX XXXX XXXX  HARD INQUIRY PULL i never inquired or applied for any credit with this company INACCURATE information/does not belong to me XX/XX/XXXX XXXX XXXX  HARD INQUIRY PULL I never inquired or applied for any credit with this company INACCURATE information/does not belong to me XXXX XXXX XXXX i never inquired or applied for any credit with this company INACCURATE information/does not belong to me XX/XX/XXXX XXXX  XXXX XXXX I never inquired or applied for any credit with this company INACCURATE information/does not belong to me XX/XX/XXXX XXXX THIS ACCOUNT HAS BEEN SETTLED!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 XXXX Account # XXXX81-5 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 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 2023-02-10
Company: NAVY FEDERAL CREDIT UNION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Bounced checks or returned payments

Complaint:
I was involved in a bank scam. I met this girl and she seemed pretty nice enough to let my girlfriend and I stay over her place because at the time I was homeless and my girlfriends mom kicked her out. While we were staying there some of our personal information was getting taken from us and even as a couple we would argue back and forth about who touched whoever stuff. We didnt realize that the people we were staying with and calling our so called friends at the time were stealing our information and using it to scam us. My girlfriend who has already filed a report for identity theft and myself am trying to file for bank fraud. In my situation it was quite different because I didnt know what was going on behind the scene of what happened but I do know what I was told was that they would deposit some money in my account and all I would have to do is go up to the bank walk in and get the money out of my account. The night that the money hit my account I told them that I didnt want the money because I started getting more information about what they were doing. They threatened me to go to the bank or they would start at the first address underneath my bank account. After that I got the money from the bank and walked out the bank with XXXX from the bank. They then told me to get in their car and they told me to give them the money. I did and they gave me XXXX from the XXXX I walked out the bank with. They then told me I had to go to another branch to take out the rest. I went to another Branch and took out the rest of the money. At the time I didnt have my car and the same people that ran that scam on me were the people I was staying with at the time. I was simply told that I would be getting money hitting my account but not everything that would come with it. In total they scammed XXXX out of my account.

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