BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-02
Company: Experian Information Solutions Inc.
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX removed this collection company off of my credit file. I have submitted investigation report to XXXX and to Experian showing the removal of this item from my XXXX report. XXXX XXXX is not the debt collector for this alleged account. The reason for removal is that XXXX XXXX XXXX did not have to legal authority from the original creditor to place this inaccurate information on my credit file. That is why XXXX removed this account. I have ask and sent supporting documentation to Experian and XXXX showing the collection has been removed. They both have sent back in less then 24 hours that the information has been verified through their quick investigation. I'm requesting Names, Written Contract and is the companies registered to collect a debt in the state of Maryland that has reached it's statue of limitation.

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 2017-05-01
Company: Experian Information Solutions Inc.
State: CT
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:
There are multiple duplicate student loan accounts on my credit report and they ca n't determine which ones are duplicate and original. If they determine the difference between the original ones and duplicate ones they should delete them. It is adversely affecting my credit, making my income to debt ratio much higher than it is. I have been refused for a mortgage because of this problem

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-02
Company: Aargon Agency, Inc.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I ( a natural person ) was issued a false debt that was furnished on my consumer credit report. I disputed this alleged debt directly with the debt collector and in its findings it was found that the alleged debt did not belong to me and was inaccurate. Furthermore, the debt collector, AARAGON COLLECTION AGENCY LLC provided my letter of deletion and a XXXX out balance which I have uploaded alongside with this complaint for the companys failure of. However, during the duration of this inaccuracy furnished on my consumer report has cause harm and damage. Why should I have suffered anxiety, loss, and a consumer report with a negative account that did not belong to me for the unlawful willing failure of. During this time I was depressed, overwhelmed with anxiety, and violated by AARGON COLLECTION AGENCY LLC. The furnished alleged debt on my consumer credit report violated the FCRA by failing to follow reasonable procedures to assure maximum possible accuracy in consumer reports, infringed upon a consumers right to privacy, and no permissible purpose/no written instruction.

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 2020-04-08
Company: Rocket Mortgage, LLC
State: VA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Hello, my name is XXXX XXXX. I am a widowed and XXXX veteran that resides in XXXX  XXXX, VA. I retired from the military the summer of XXXX and live on a fixed budget. Recently, I was in communication with a couple of associates that work for Quicken Loans. I was attempting to secure a mortgage loan to refinance my house. 

From a period of time from XX/XX/XXXX to XX/XX/XXXX, encompassing 17 calls ( 9 of which were incoming from Quicken Loans ), and 11 emails, all communication was suggesting that my loan application had been properly vetted and was approved. An appraiser was even sent to my home and my home appraised for $ XXXX more than was necessary for the numbers to work. However, at the last minute, I was told that a portion of my household income ( recently acquired rental houses ) was not verifiable income because of less than 2 years viability ( showing on tax returns? ). Why didn't they say that at the very beginning? Not only was this whole process a hard pull on my credit, it was a colossal waste of time for me. 

I would think that the associates that routinely process applications for mortgage loans on a daily basis would be knowledgeable enough to know this before getting that deep in talks with a client or potential client. I have been in my home for almost 9 years and have not had a late payment on my mortgage. There were 2 loan scenarios that were presented to me ; one was a refinance with rate reduction only and the other was a cash out refinance. BOTH loans had a monthly payment that is less than what I currently pay. It seems terribly unfair to have been led astray with the guidance that I received during this process. I'm currently in an adjustable rate loan and was looking to get some stability in my budget by getting a fixed rate mortgage ... especially with having my daughter start college this past academic year. I was told by the company ( on XX/XX/XXXX ) that even though I was led astray by their loan professionals that there is no recourse in this matter. Please advise ... 

XXXX XXXX XXXX XXXX loans offered to me by Quicken Loans : # XXXX ; # XXXX Here are the associates that I was in communication with : XXXX XXXX, NMLS # XXXX ; XXXX XXXX, NMLS # XXXX ; XXXX XXXX, NMLS # XXXX ; XXXX XXXX, NMLS # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23
Company: The CBE Group, Inc.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
They call me morning night they wont stop i have asked them to stop calling because im handling all my debt but they wont they even called my afooted mother when im with my birth mother and i told them that im not here and hell call when hes back to help stop but 30 mins later they call again hope this helps if not ill go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08
Company: Synovus Bank
State: MA
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 was shocked when I reviewed my credit report and found late payment on the dates below : XXXX and XX/XX/2019 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-17
Company: SYNCHRONY FINANCIAL
State: PA
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 have went on XXXX XXXX to check my credit score because I am trying to get an apartment. I realize their are several hard inquiry 's that do not belong to me nor did I ever apply for these accounts. it make me very upset because I been working hard on trying to fix my credit! I have reached out to the company 's and basically told me there is nothing they can do about this situation.

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 2015-10-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
you have an address on XXXX in XXXX texas and i have never lived in XXXX texas there is also an account for time warner cable on my report and i havent had XXXX i have lived in XXXX texas for about 2 yrs now and was XXXX for almost a yr prior to that and they do not have XXXX in XXXX also it says it was opened in 2014 that is impossible since i have lived in XXXX during that yr and can prove it

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-02
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I did not get the {$300.00} bonus after fulfilling offer terms of XXXX direct deposits and with {$7500.00} balance. Promo code was XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-02
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I did not get the {$300.00} bonus after fulfilling offer terms. I did not have a checking account 12 months prior to account opening. But I did not get bonus with reason that I had an account 3-4 years back. 

Also I had to email them to remove monthly fees every month, although I kept the required {$2500.00} balance from beginning to avoid that fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-02
Company: WELLS FARGO & COMPANY
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
My Name is XXXX XXXX. I recently had my house broken into they stole my wife purse along with my mobile phone and other things. The guy XXXX  himself {$500.00} twice I contacted the bank and they refuse to help me in addition Ive been hung up on by representatives.

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 2015-12-03
Company: Financial Corporation of America
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
In XX/XX/XXXX I filed a complaint against this company and they responded by stating the following : '' Financial Corporation of America shows no open inventory or credit reporting under your name or social security number ''. 

Again I submit my complaint ... In XX/XX/XXXX my personal information was compromised when my car was broken into and my handbag stolen. Since XX/XX/XXXX a series of accounts have been opened using my personal information this has caused my once great credit to plummet to XXXX. Over the past 18 months I have had creditors collections agents harass me for balance owed to accounts that I know nothing about and my credit is non-existent and my hopes of purchasing a home is in jeopardy because of I am a victim of Identity theft.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-02
Company: CITIBANK, N.A.
State: CA
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:
I used my Citibank Credit card to purchase XXXX XXXX airline ticket. The ticket was given to me through XXXX but the charge on my credit card shows " XXXX XXXX ''. XXXX XXXX cancelled my ticket and had to provide me a full refund. XXXX at first was not giving me a full refund, so i started a dispute with citibank. XXXX after 2 months finally agreed to refund me the full amount upon which i closed the dispute. But after passing of further 2 months XXXX did not refund me the money. I called XXXX XXXX and they said that XXXX has charged the credit card and they will provide the refund. I was surprised to hear this and got suspicious. I tried to call XXXX but there helpline will not let me connect to any help line and says my Itinerary number is not valid. i can not connect with XXXX, so i called the citi disputes center and told them that XXXX confirmed to me that I will get a refund but has not responded. Citi tried to open the dispute again but told me that they can not re-open this dispute. 
Upon calling XXXX XXXX  they say XXXX can help me get the refund. Both XXXX and XXXX XXXX are not helping and Citi dispute team has not helped. As a consumer i have been played and lost my valuable money and time. The winner here are corporate giants XXXX and XXXX XXXX and I can not do 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 2020-04-08
Company: Mr. Cooper Group Inc.
State: CO
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I had an escrow analysis performed on my mortgage in XXXX of 2020. Another escrow analysis was performed in XXXX. I received an escrow account disclosure statement on XXXX XXXX, to pay nearly {$1300.00} in shortage. I asked for an extension, as this would be nearly impossible for anyone to produce that amount of money in such a short amount of time. I asked for mid-XXXX  since I wasnt even provided 30 days notice to pay this. The servicer would not XXXX it. I asked to talk to someone about a refinance, as a nearly $ 400 monthly increase in my mortgage payment is very challenging. She said she would transfer me, then hung up on me. I would think that especially in todays economy, and given the fact that I wasnt even given 30 days notice to pay, a small extension could have been granted on this unexpected large payment. I have always paid my mortgage early or on time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04
Company: MoneyLion Inc.
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Last month i had a financial hardship im still having. I tried calling to setup payment of my loan for the next month since i needed to catch up on payments and the app was giving me trouble. Causing me to sign up for three payments for XXXX when i was trying to pay for just XXXX and XXXX. The membership fee i figured would be waived as i was unable to benefit from any of the perks of the membership for the credit builder loan such as XXXX  ( which i wshould have received anyways because its a perk of using direct deposit ). Long story short i was cut off of my XXXX  advances although i have direct deposit and received it before i even signed up for the loan and whatever other supposed perks you get from a loan you inly received XXXX $ from but ate paying for a XXXX $ loan. So, while they are keeping the XXXX $ i wasnt able to receive ( because they are collecting intrest on it lets be real ) charging me {$46.00} a month for the loan ontop of an additional XXXX $ membership fee which really only allows another {$100.00} XXXXXXXX advances, but there's a catch to that as well. If the system doeant detect your deposit, the same consistent deposit youve been receiving every month same amount same time of month, that extra hundred is not available and your paying an extra XXXX $ a month for basically nothing. I do not use any of their other services as theyre not services that arent already included with direct deposit acct. This bank is an absolute greed monger and im disgisted by the lack of customer service as well.there is absolutely no customer service whatsoever. And dont even bother asking for a supervisor. Theres never one available and they have up to five days to get back to you at their convience not yours.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: Smith, Rouchon & Associates, Inc.
State: HI
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Smith roush and associates. 
Acct #? 
Date opened XX/XX/20 Dont know what doctor this was, or what i was seen for? If you can tell me what i was seen for, to verify this bill. That would be great. Otherwise it needs to be deleted. I didnt sign no paperwork with this Smith Roush company. 
Verify and validate

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-02
Company: U.S. BANCORP
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
The US bank employee refused to add my wife to my checking account, she stated I had to make an appointment at a different branch due to them being busy. An employee was on the phone and she wasnt busy. She took a check I wanted to deposit and refused to assist me further. I asked her could she call another bank to see if they had any availability to see me and she stated she could not do that. That isnt true another employee did it at another branch after I left that US bank. She was rude and kind of mean and I thanked her anyway. She was a XXXX XXXX  and seemed very irritated with myself and my wife. I am XXXX and my wife is XXXX. 

The bank is located at XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX and it was approximately XXXX in the afternoon. She advised me to go to another branch to receive service to add my wife to my account. Again no one was in the bank and she refused to service us. We had to go to two more banks before we received service. When we went to the second US the same day - XXXX XXXX ( Client Relationship Consultant ) at US bank located at XXXX XXXX XXXX, XXXXXXXX XXXX  XXXX called the US Bank located at XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX and asked if they could assist us. Her branch was really busy, however she took the time to assist us in finding a branch that could help us. So we drove to the third branch in XXXX to get assistance and they did an excellent job!

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 2017-02-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
This debt has not been properly verified. There is no contract with my signature per request.

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 2015-11-30
Company: ENOVA INTERNATIONAL, INC.
State: CA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I have an installment loan in which payments {$210.00} are deducted bi-weekly. I had a loan payment which was due on XXXX XXXX 2015, however, my paycheck was deposited early and I wanted to make sure that the loan payment was made. I spoke with an agent on XXXX/XXXX/2015 to arrange payment for the XXXX/XXXX/2015 payment which was subsequently deducted from my account on XXXX/XXXX/2015. Today, XXXX/XXXX/2015, I noted that an additional charge of {$7.00} drafted from my bank account. I contacted the company and was told it was a fee for paying early. I was at no time advised of this while making the early payment. I was also advised that a rebate offer that I used when initially applied for the loan would be voided because I made a payment a few days early causing me to incur an additional charge of over {$80.00}. I was never made aware of this when making the payment a few days early and only made the payment to prevent any issue with timely payment since the XXXX holiday was coming up. I should not be penalized for trying to take care of my obligations and ensure prompt payment.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-02
Company: Winklevoss Exchange LLC
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Problem adding money

Complaint:
XXXX i called this number thinking that they are real GEMINI SUPPPORT. but instead of fixing my problem, they stole all my money. then I checked the internet with their number and i found that they are scamming people with this number. Its my request to FTC to anyhow stop their number as they are running the biggest crypto currency scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-02
Company: MoneyLion Inc.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX I filed a dispute for several transactions on my debit card for a company who had locked and took away my access to the digital content I had purchased and didn't issue me refunds on. On XX/XX/XXXX I submitted my written complaint to the debit card company as I was told I would have to do so in order to be considered for provisional credits. They stated my 10 business days would start the day I sent written confirmation not the day I began the dispute with a phone call. On XX/XX/XXXX when I had heard nothing back from money lion I contacted the support to find out what was going on. I was told the dispute department had additional questions I needed to anwser I replied back to those questions the following day and contacted support again on the XXXX. This time I was told because I had not answered back the requested for the questions my 10 days provisional credit would take longer as they needed more time. I told them that was the reason that law was in place to which they began giving any and all reasons why I hadn't been issued my credit. Then finally to blaming me for sending my initial written claim to the wrong dept. I sent It to the email I was emailed the claim form in. They still won't issue my credits stating they need more time. It has been 19 business days since I called In dispute and 13 since I wrote to get the credits as they require

Company response to consumer: Closed with explanation