BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-19
Company: Google Compare Credit Cards Inc.
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Somehow Google pay captured my new debit information from a payment I made then used that information to pay other accounts, like XXXX, XXXX XXXX which is a gaming app and XXXX XXXX which was a three month free trial. Today I got money deposited and XXXX grabbed all the money. I am XXXX, XXXX, and on a low pension and like everyone else who got sidelined when XXXX hit have been living on a really low pension. 

I am really tired of the aggressiveness of online companies like XXXX, XXXX, XXXX and XXXX in grabbing payments. I got a notice that XXXX was having trouble collecting funds. I am like okay, because they don't have the new debit card number and I don't even know why they were trying to charge me because I never gave the new debit card number nor authorized any payments. When I complained to XXXX about this they were not sympathetic. They want me to go without money so that the billionaires at XXXX could get richer. I talked to XXXX at XXXX and informed that this is XXXX  abuse and still still XXXX refused to give me a provisional credit, They wanted me to go without a debit card bec ause I won't be able to get a new card until middle of next week. I pay XXXX $ XXXX for priority service and they still discriminate against for be a woman, XXXX and XXXX. 

I do not understand why I have to be penalized over {$56.00} while XXXX and XXXX make millions. For me the hardship is that I can't buy food or pick up prescriptions without access to funds. I also fail to understand why XXXX insists on using call centers in XXXX XXXX that have no sympathy or empathy for the hardships I might be experiencing. I feel that my needs would be more recognized in a country that is not chauvinist and misogynist as everyone knows the XXXXXXXX XXXX where the dictator leader kills people who suffer from drug addiction.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-19
Company: CCS Financial Services, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My name is XXXX XXXX and I am submitting this complaint without any influence from any third party or agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09
Company: EQUIFAX, INC.
State: NJ
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:
This is the XXXX time I've updated this questionable information by sending a letter to the XXXX credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-24
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
After I spoke to a rude customer service representative, which is not the first time. I was told that my transaction where not used as debit therefore the posting time will take longer time and overdraft fee will be charged on my account. I checked my account every day on my mobile device ; I feel that there is unfair that as customer there is not way how this fees where charged online. I checked and find that my transactions where all used as debit transaction which according to the information given are faster in process. I do n't understand how come due to a holidays when the bank information was accurate according to the online monitoring in one day {$240.00} was charged. I am currently encountering financial problems and soon the business will be closing. I do n't have funds to loose in overdraft fees. I called, I went the branch and the information given is never accurate. I need this matter to be escalating to a supervisor because I feel that I resentful by this bank, which just charge a lot of hiding fees. I think I should deserve a reimbursement because there is no detail information in which customer can understand how those fee are assessed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-24
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: IA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Settlement process and costs

Complaint:
My mortgage was paid off XX/XX/2016 and my escrow funds have not been sent back to me in a timely manner. Carrington Mortgage Services takes advantage of customer funds that are not theirs.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-19
Company: Rocket Mortgage, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Rocket Mortgage forced me to pay PMI and told me they would remove that once I hit the 80 % equity mark. In order to remove this they make you call them so they can " calculate '' if you meet the requirements. Even though the monthly statements tell when you've met the requirements they won't remove it until you've hit 78 % mark. This PMI for to XXXX XXXX, who requires this as an insurance, even though they are the ones who defaulted in 2008, not me. I had spoken to Rocket Mortgage previously and was apparently not quite at the 80 % mark. I think I was half a % off. They did NOT count this as a request to remove. I called today and they put me through so many phone tree options tht it can be seen as a tactic to dissuade customers from calling to remove the PMI. I presses a phone tree option 23 times before I got a default operator whom I had to beg to send me to the PMI rep. They purposely make it difficult to get this removed and this " insurance '' if you can call it that goes directly to the XXXX and XXXX XXXX XXXX account, for doing nothing. Hundreds of thousands of dollars through this scam. I should be able to get a refund on my PMI for when I met the 80 % mark, especially since the insurance did nothing for me and certainly did not protect me from anything. It also did not provide any service.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06
Company: Self Financial Inc.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
In XX/XX/2020 I decided to end my business with Self lender inc due to the pandemic. I requested a refund of deposit money which should have been XXXX instead self payed out only XXXX in total. The following month they took XXXX from my account which I had to get my bank to do a stop payment that cost me XXXX dollars. I contact the company about the matter and they assured me the account was indeed closed and it wouldnt happen again and my money would be on the way. Well we are now in XXXX and no money has reached me and no one from the company has tried to help solve this problem and return my money which my family could use right now due to my husband being unemployed because of the pandemic. This company also continues to report the card as opened and over the credit limit which is ruining my credit!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-11
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
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:
Oopps I WAS WRONG thinking USAA PERMANET CREDITS XX/XX/XXXX {$170.00} XX/XX/XXXX {$75.00} ARE REALLY PERMANET even though they ARE INCLUDED IN TOTAL CREDITS THIS PERIOD & SHOW AS ADJUSTMENT PURCHASES CREDIT see XX/XX/XXXX statement attatched. See attatched statement XX/XX/XXXX XXXX USAA REVERSED THESE PERMANET CREDITS {$170.00} & {$75.00} XX/XX/XXXX. See attatched USAA Statement XX/XX/XXXX {$15.00} {$17.00} {$25.00} PERMANET CREDITS USAA ** REVERSED XX/XX/XXXX see attatched statement. USAA can view these statements on line. TWO YEARS XX/XX/XXXX FRAUD NEVER CREDITED WITH ANY USAA PERMANET CREDITS ** THAT STAY PERMANET. DOES USAA HAVE ANY PERMANET CREDITS PERMANET??? I HAVE BEEN THROUGH ALL TEMPORARY CREDITS then awaited them TO BE MADE PERMANET TWO YEARS LATER and after I. Have had to FIGHT USAA TO MAKE PERMANET CREDITS DUE cleverly at a later date USAA REVERSES USAA PERMANET CREDITS. AGAIN, DOES USAA HAVE ANY PERMANET THAT ARE PERMANET???????

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-19
Company: EQUIFAX, INC.
State: AL
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:
on XX/XX/2021 I made a call to XXXX XXXX XXXX and explained to them that I had an incorrect late payment on my account. I was told it would be investigated and I would be notified by mail. Later XX/XX/2021 I received a letter informing me that " this account was reported as deleted for XXXX XXXX ''. I checked my report 30 days later and it was still there. I have tried for several months to get this removed form my account. This process has cause me to lose out on property, funds and caused a lot of frustration and destress. XXXX placed a 30 day late payment on my account and I have never been late. I bought a new car and in the process of the dealership transferring the payoff of the first cat to XXXX financial the communication between the two were lost. I was received 2 different contracts and the financial company said they only got one. I had to prove to them that I had 2. I am in the process of XXXX XXXX XXXX and this late payment is holding the process up. Because of this mistake I have lost out on many homes and funding. I need help getting this Item removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-18
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
On XXXX XXXX, XXXX, I went to the XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, NY, to open a checking account. Because I have had a savings account at this same branch since XXXX XXXX, and a positive banking relationship, I was astonished and embarrassed to be denied XXXX a personal checking account for myself and a corporate checking account for my law firm, a P.C. incorporated in NY in XXXX XXXX. The reason for these denials was that the XXXX indicated that my P.C. and I XXXX combined XXXX owed TD Bank a total of {$200.00} in overdrafts. I dispute this. I was given neither notice of these alleged overdrafts nor an opportunity to prove that these alleged charges were illegal and invalid. 
Four or five years ago, XXXX, I opened both personal and corporate checking accounts with TD Bank , NA. My XXXX partner noted that I was spending an inordinate amount of time in the XXXX XXXX XXXX Branch of TD Bank, contesting unwarranted and unjustified overdrafts. Finally a friendly TD Bank officer told me quietly that it was bank policy to maximize the number of overdraft fees on each account, by manipulating the receipt of debits and credits. In XXXX XXXX a XXXX federal judge approved a {$62.00} million class action settlement arising out of TD Bank 's illegal overdraft policies. ( In re : Checking Account Overdraft Litigation XXXX. Because TD Bank has continued to practice its illegal overdraft policies despite the XXXX settlement, a new TD Bank overdraft fee class action was filed on XXXX XXXX, XXXX, in federal court XXXX XXXX XXXX et al. v. TD Bank NA, case number XXXX, XXXX XXXX XXXX for the XXXX XXXX of XXXX XXXX XXXX This litigation is still pending, and I am still waiting for a refund check for the overdraft fees improperly charged to my XXXX accounts. 
Meanwhile it would be prudent for XXXX and XXXX to cease and desistfrom implementing TD Bank policies to force customers to pay illegal overdraft fees, or to forego checking accounts at other more reputable banks.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-19
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Today at XXXX XXXX I called Chase Bank to update my information so I can access my online banking. When I spoke to the second rep my password was changed and I lost all access to my online banking. I have 3 accounts with chase bank. One ending XXXX, XXXX ( e.i.n ) and an additional account which was closed without my permission and was in good standing. They have been deleting transactions and they have been money in my account like stimulus checks which I never received. I have been XXXX and my identity have been stolen which I have a police report number Report number XXXX XXXX XXXX. I will like full access to my account which I was denied since XXXX of 2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14
Company: CREDIT ACCEPTANCE CORPORATION
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted a complaint previously complaint number XXXX Credit Acceptance stated `` We added you to our COVID Protected Status in XX/XX/2020 but unfortunately, our review of your account indicates that although you continued to be impacted by the pandemic, your account was inadvertently removed from our COVID Protected Status in XX/XX/2020. I apologize for this missed opportunity to better serve you. To make this right, we will do the following : 1 ) We have asked our credit reporting team members to update how we report your account to the credit bureaus by changing your payment history for XX/XX/2020 through present to reflect a D ( no data ), which is consistent with how your payment history would have reflected had kept your account in our COVID Protected Status as indicated above. Please allow up to 30 days to see these changes reflected on your credit report. 2 ) We will add your account to our COVID Protected Status on a going forward basis. We apologize for any inconvenience or frustration this missed opportunity caused you, and we again thank you for being a Credit Acceptance customer. It is our sincere hope that we have addressed your concerns. If you have any additional questions regarding your account, please contact XXXX directly at XXXX. Respectfully, XXXX XXXX Legal Counsel Regulatory Compliance '' Credit Acceptance has negatively affected my XXXX XXXX for over 2 years now it has been hard to get approved for anything with so many late payments including a place of my own. Currently I am living with a family member, and this is a state of emergency in regard to not being able to establish proper living quarters because of my payment history on XXXX, XXXX and XXXX. Credit Acceptance needs to update my credit report with XXXX, XXXX and XXXX immediately as it is unfair, unjust and inaccurate. 15 US Code 1692 Congressional findings and declaration of purpose ( A ) Abusive practices There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy.

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 2018-12-04
Company: EQUIFAX, INC.
State: NJ
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:
Someone managed to open a card using my information. Once I discovered the issue monitoring my credit I begin the dispute process with both the company and Equifax. 
Equifax did not speak with me or ask any specifics around the fruad and deemed the account legitimate and stopped investigation. 

The problem now lingers and my credit is being effected as a result of a improper investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-19
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I had someone, whom I do not know XXXX ( 2 ) payments to this unknown person, XXXX for {$300.00} and another for {$400.00} on the same day ( XX/XX/XXXX ). The last attempt was for {$420.00}, but Chase Bank stopped that one, thankfully. They text me while I was driving, but could not reach anyone soon enough to find out what the problem was. I put in a claim to the fraud department only for them to come back and say they were authorized by me. I have had numerous fraud problems in other areas of my account and had to close out my credit card with them many times. I should not be responsible for these transfers. Why did they stop the last one for {$420.00}, I guess they figured something nefarious was going on. I have changed my passwords and user ID several times, delete anything to do with XXXX and deleted my mobile app. No one but me has access to my banking nor my phone, it was hacked, obviously. Hope you can help. Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14
Company: Early Warning Services, LLC
State: NH
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Scam on XXXX XXXX  involving zelle. Buyer asked to zelle me for a product. Stated they have a business account and needed email. They said they sent money and I received emails that they sent it and the email stated they needed to send XXXX more to make it a business account. They said I would need to send the XXXX back once they sent the money. I sent XXXX $ to them when I received the money. When I got the email that they sent it I send the money and never received any payment in my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08
Company: PNC Bank N.A.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Several times now PNC bank has charged NSF fees with a positive balance. When I call them they have no explanation why it happened. Furthermore, just this past week they submitted checks thru after business hours but before midnight and checks were being set up to post and bounce. I ran to the bank put cash in and they still tried to charge me the fee even though my balance was in the positive. I am constantly watching my account now for all of these extra charges, fees, and late night submissions after their business hours. Almost every time a rep can not explain why it's happening and removes the fees. Problem is loan providers do not want to see fee and charge refunds even if it is the banks fault. This has never been a problem with PNC for the XXXX our personal and business accts have been with them. The last XXXX there is a constant issue with my account and I am constantly asking for a XXXX to try and make sense. They usually just apologize for the mistake and move on. It's like they know this is a problem but not sure how they can address other than refund the issue and perfusly apologize. I am on the verge of closing and moving accts to another bank for our personal and professional needs.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-06
Company: Specialized Loan Servicing Holdings LLC
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My mortgage loan was transferred to XXXX. During the time my loan was with XXXX, they made no real attempt or good faith effort in trying to help me make continue where I left off with XXXX. I paid XXXX over {$7000.00} ( PITI ) during the trial period. I even made two ( 2 ) additional payments because the trial was three ( 3 ) months as I made a total of five ( 5 ) payments. 
I sent the requested documents for a modification to XXXX several times as the representatives would say they did not get them, which I do n't understand because they were uploaded on the website. Once they finally offered a modification it was an interest only mortgage which I did not think was fair or reasonable. All I wanted was to keep the plan I previously had, approved through the XXXX program and then approved by XXXX of {$1400.00} ( PITI ). I mailed a payment of {$1400.00} and waited for someone to post my payment and it never got posted. I called XXXX and spoke with a representative and he claimed they did not get my payment, even though I mailed it to the address provided by them. 
Shortly after that, the mortgage was then assigned to Specialized Loan Servicing ( SLS ), without any notification from XXXX. I received a packet from SLS asking me to tell them what my balance was. I thought this to be very strange. I started to get really suspicious and began to review all my documents and letters from XXXX. In my discovery I found dates that did not make sense and I also discovered other things to be discussed with a CFPB representative and uploaded. SLS has now violated the rules issued by CFPB of " No Surprises '', SLS did not send me one bank statement and I did not hear from them for an entire year. When I was doing my research, coupled with the fact the XXXX was still filing motions in the Court further increasing my suspicion on this whole situation of " who has interest '' in the note. XXXX was filing motions and foreclosure when supposedly SLS owned the loan at the time ; this was very upsetting and confusing. Now, for the additional violations of SLS they, out of nowhere filed a motion joining the 2015 filings of XXXX, trying to make the process of foreclosure faster, all without any notification to me and without the offering of assistance. Who is this organization? Now, there is a class action lawsuit against. I have uploaded the documents files by SLS and the assignment. Please keep these documents.

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