BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-08-20
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Deposits and withdrawals

Complaint:
XXXX XXXX, 2015, USAA Banking Services phoned me to ask if I had authorized an additional credit card to be sent to an undisclosed address in Florida to which I replied no. They responded that they would cancel my existing card and send me a replacement.Upon reviewing my on-line acccount I discovered USAA had already sent the additional card to Florida on XXXX XXXX. I contacted USAA and told them of their mistake and they said they would correct their mistake. On XXXX XXXX they then expressed a second card to their bogus address in Florida, followed by a third card sent on XXXX XXXX. My attempts to discuss their actions over this elapsed period, as of today XXXX XXXX, has been been met with " someone will need to get back to you on this matter ''. No one will discuss my accounts, banking account, credit card theft, or other services. My on-line account reflects XXXX account number ( which I do not have ) and current Billing Statement reflects a different account which I do not have. At the present time I have no USAA credit card.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-19
Company: EQUIFAX, INC.
State: TX
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:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-30
Company: ECMC GROUP, INC.
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I can't get a straight answer as to what I actually owe. Each number gives me a different answer, each website also different numbers. None show correct payments.

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 2017-02-28
Company: National Recoveries, Inc.
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I contacted National Recoveries when I first started new employment and entered into a loan repay program. All of the paperwork was submitted by email and fax. My name and address was to be corrected. The company did collect from my bank account the agreed upon amount for 8 of the 9 months. The repay program was for 9 months. The bank account had my correct address and name. The debt collector should have had this information corrected. I never received a notice that I needed to sign a new repay agreement. I was told after the repay program I could enter into a deferment. However, upon realizing the last payments at 9 months was not taken out of my bank account, I contacted National Recoveries. At this time I was told that they sent me a packet ( to the incorrect address and incorrect name ) and that I would need to reinter into a new agreement and pay another 9 months. I decided to let my lawyer handle this, as I quickly realized this company is a scam, and makes money off of keeping clients in debt rather than helping to get them out of default. The longer they keep you in their company and as a non payer, the more money they receive from the US Dept. of Edu. Fast forward to 2016 and my entire tax return is withheld due to this debt, that they continue to hold me under rather than letting me complete my repay agreement so I can enter into a default. As a single mother of XXXX children, working a state job, and receiving state benefits just to make it paycheck to paycheck this is a disgusting tactic employed by this company. I do not understand why the EDU continues to use them as a contractor.

Company response to consumer: Closed
Consumer complaint received 2017-03-06
Company: CITIBANK, N.A.
State: MA
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
Regarding CFPB Complaint # XXXX : On XXXX XXXX, 2017, Citibank stated that it would contact the major consumer reporting agencies to request the removal of any data related to my consumer Home Depot account from my credit history. I accepted this resolution and the dispute was closed. 

However, on XXXX XXXX, 2017, I received XXXX letters from Citibank ( see attached documents ). XXXX of them acknowledging the agreement and the second XXXX retracting it.

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 2016-12-30
Company: Early Warning Services, LLC
State: TX
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
Initially, I disputed an item on the Early Warning report after which I received an updated copy. Upon reviewing the report, I noticed that every payment to my creditors whether ACH, checks and Debit Card payments are in this report since 2013. I do understand reporting an account is Overdrawn and resulted the closure of the account, Bank closed the account and credit score for the account but not all my transactions. I called XXXX XXXX XXXX to find out why they would report all the transaction history on the account, I was told they did not provide the information to Early Warning. Next, I called Early Warrning to ask them why we 're providing all transaction history to other people inquirying without my permission. They told the only items that will reflect on the report were payments processed twice. I explained to her the transactions on my report are payments successful the first time. In addition, I asked them to remove all the transactions and leave the statuses on the accounts. My report also includes purged accounts, pending close accounts dated as far back as 2013, and accounts that should be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WI
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:
I checked my credit report and noticed bank of america have placed a hard inquiry on my profile and I never applied for any type of account or credit card with them I have no knowledge of this inquiry

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 2022-02-28
Company: U.S. BANCORP
State: HI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
When I transfered funds from a XXXX XXXX account into my US Bank account. I accidentally withdrew from the US Bank account when I had no funds. They fixed the issue but when I tried to transfer the same amount into the US Bank the fraud department thought it was the original transfer out of the us Bank and automatically " fixed it '' by taking our second transfer of XXXX XXXX We called US Bank they said it would be resolved in 10 days. We keep checking on the status and now they don't even have a record for part of the calls. We just want our money back and they would do that. 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 2017-06-10
Company: Waterfall Revenue Group
State: DE
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
collection debt from A1 collections service for {$42.00} #  XXXX  and {$150.00} #  XXXX  both are result of fraud unauthorized services

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I HAVE ASK THE CREDIT COMPANYS TO LOOK INTO THIS ACCOUNT THAT IS NOT MY ACCOUNT

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 2017-05-22
Company: Rocket Mortgage, LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I recently purchased a home. Throughout the process I was aggressively steered towards unhealthy loans b y Quicken Lo ans and    XXXX   XXXX   XXXX  . Those two  companies pushed me towards  high APR FHA loans with the lowest down payments against my very strongly worded in terests in paying a higher down p ayment. The loan officer I spoke with at Quicken Loans seemed to make a specific effort to avoid discussing  the APR of the loan she wanted to push other than over the phone. My overall mortgage shopping experience greatly concerned me, especially when put in the context of the anti-steering disclosure I eventually received at closing of my conforming mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-07
Company: American Credit Resolution, Incorporated
State: TX
Product: Debt collection
Sub-product: Payday loan
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I received a call from someone telling me that they were going to deliver paper work to me. They gave me a number to call and an account #. Once I called they said that they were going to send me documents unless I set up payment arrangements with the company. I have given them money and made payment arrangements. This company would n't provide me with their Professional License #

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2021-01-05
Company: Square Inc
State: NM
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/2020, a friend ( XXXX XXXX ) asked if I would accept a transfer of {$100.00} from his friend ( XXXX XXXX ) then withdraw the funds using my CashApp card and give {$100.00} cash to XXXX. I saw no reason to object and completed the transaction as described. On XX/XX/2020 XXXX asked me to do the same, and so a second transaction for {$100.00} was completed. 

A week or more later, I was informed by CashApp that the sender had filed a dispute with his credit card issuer and that CashApp had issued a " refund '' to XXXX  with no authorization from me. What's more, because there were no funds in my CashApp account, CashApp helped itself to funds in my linked checking account with XXXX. All of this was done without my knowledge or authorization. Again, the sender disputed the transactions initiated from his account ( CashApp has refused any further information on the nature of the dispute ) and requested a refund, which CashApp issued with no due diligence, no inquiry, no notice, no permission. 

I now suspect a scam with my friend XXXX ( and arguably CashApp ) a willing participant. XXXX first feigned surprise and assured me he would sort it out immediately. He then assured me that a mistake had been made, that XXXX did not intend to dispute the transaction and that somehow in trying to correct his mistake, XXXX had accidentally disputed the second transaction. This sort of chaotic response is typical. Next, when I pressed for an update, I was cast as the wrongdoer and XXXX ( who ended up with the money! ) cast as the victim. Again, familiar patterns of behavior. It's XX/XX/XXXX and no one is working to recover my {$200.00}. XXXX initiated the scam. XXXX has the money but has no connection with CashApp and no longer returns my phone calls. CashApp accepts no responsibility. They are hostile, insisting that I should work this out with the sender. I have no way to contact the sender and CashApp refuses any further assistance, and offers veiled threats of account closure for troublemakers like me.

Clearly, I need to choose better friends but where was my miscalculation of risk? It seems my expectation that CashApp would take reasonable steps to protect my interests when handling my funds was ill-founded.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
This complaint serves as follow-up to the refund of my closed savings account balance in the amount of {$5000.00}. The savings account was closed by Chase on XX/XX/2020. While the account was open, I deposited three personal checks on the Chase mobile application to fund my savings account. 
The XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX, confirmed that three of my personal checks posted in my checking account and were paid in full to Chase for the savings account, prior to its closure on XX/XX/2020 for check # XXXX for {$2000.00} and check # XXXX for {$2000.00} and on XX/XX/2020 for check # XXXX for {$1000.00}. XXXX advised me on XX/XX/2020 to check-in with Chase immediately for a refund since the funds were already deposited. 
On XX/XX/2020, I was informed by customer service that a cashiers check would be mailed for the full balance of {$5000.00} within 7-10 days from the date of closure to my home address. The 7-10 day window has passed and I have not received a refund of my savings account balance for {$5000.00}. I request that CFPB assist with the recovery of my funds from my closed savings account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-01
Company: AFNI INC.
State: IL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was offered a settlement offer and exchange to have the account removed, which I took advantage of, as of the date of this dispute this account remains on all XXXX of my credit files.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
There's unknown incorrect unauthorized accounts wrongfully reporting on my credit file and I'm demanding that these accounts be removed as pursuant to the laws of the FCRA. Please block the following. 

1. XXXX XXXX XXXX 2. XXXX XXXX XXXX 3. 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 2017-01-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
XXXX checks that I had already deposited through my Bank of America mobile app XX/XX/2016 were stolen out of my vehicle. I had failed to write " void '' across the front of the checks. I did not know this was necessary as the app told me to write " for deposit only '' below my signature, which I did. I thought this was sufficient to prevent the checks from being nefariously used by someone else. Originally, the checks that I deposited XX/XX/2016 were cleared and I spent the money on bills and daily life needs. XX/XX/XXXX, the thieves used the same XXXX checks to deposit in an ATM. Bank of America allowed this fraudulent transaction to occur and immediately took the funds out of my checking account to cover these duplicated checks. They never asked me if I had mistakenly tried to use the checks again, which I would have told them " No! '' and explained that thieves and defrauders were at work here. My account was overdrawn by almost {$2000.00} because of this. I feel as though I have not only been victimized by thieves and defrauders but also by the the financial institution that my wife and I have used for over 12 years. Bank of America are accomplices to theft and check fraud by ( 1 ) allowing the fraudulent transaction to go through and ( 2 ) by taking the money out of my account to cover their mistake. They also took {$800.00} out of my wife 's checking account that was not directly tied to our joint account, where the duplicated checks were said to have occurred initially, after the account was made negative by the fraudulently deposited checks. This has caused my whole family untold amounts of XXXX. XXXX We filed a police report for check fraud but I just received notice that the case has been closed due to lack of surveillance video at the scene of the XXXX, fraudulent, transaction. Bank of America told us that we had to contact my employers bank, ( XXXX ) in order to see when the checks went through the 2nd time at XXXX. They knew that these checks had already been payed by XXXX after I deposited them XX/XX/XXXX. There was no reason for XXXX to pay these a XXXX time. My boss, the writer of the checks, went repeatedly to XXXX in order to ascertain this. XXXX had no record of the checks coming into their system a 2nd time. Bank of America paid the thieves without sending the information to XXXX the 2nd time. The fraud department of Bank of America has told us there is nothing they can do to help us. They are still incurring monthly charges to the accounts because we ca n't close the account with a negative balance.

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 monetary relief
Consumer complaint received 2016-04-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WV
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint:
I had a credit card debt with bank of America, this debt was written off on XXXX/XXXX/2009, somehow a XXXX Ohio got the debt, they took me to court and got a judgement even though I sent all paperwork back, including a copy of my ssXXXX, now they send a XXXX XXXX police officer to my home threatening to sell items from my home, my bank account, car. claiming I owe XXXX which is mainly court cost and paperwork, interest, how can there be interest on a debt that was written off 7 years ago per bank of America .harassment from this law firm has gone on now 4 years.

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 2022-02-28
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:
Hello, it has come to my knowledge that the information reporting on my credit is noncompliant according to the metro 2 compliance system which all credit bureaus must follow. Please remove all deficiencies and inaccurately reporting items according to metro 2 compliance. All information reporting should be CERTIFIED COMPLIANTLY REPORTED according to the mandated format!

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 2022-02-28
Company: Rocket Mortgage, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I received a notice of property taxes due on XX/XX/XXXX for {$3500.00}. 
I logged into my online account and noted a property tax payment by my mortgage company, Rocket Mortgage, was not scheduled until XXXX of XXXX. 
I called Rocket Mortgage on XX/XX/XXXX to ask about how the payment I was being billed for would get handled. At that time I was told to await a call in XX/XX/XXXX hours. 
I never received a call. In light of the approach due date for the tax payment I continued to call and was advised to await a call from them. On Friday XX/XX/XXXX. I called again and was advised that I would definitely receive a call, today XX/XX/XXXX. Having not received a call by XXXX AM I called once again. 
It was at this time I was told that Rocket Mortgage was not going to make this payment from my escrow and that its responsible for it. 
I explained that my escrow balance was over {$9000.00} and that I didnt understand. 
The XXXX advised once again that I would receive a call by the tax department either yet today or tomorrow, XX/XX/XXXX, a day after the tax is due. 
Non-payment of a legitimate tax obligation from my escrow is absolutely unreasonable.

Company response to consumer: Closed with explanation