BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-11
Company: JPMORGAN CHASE & CO.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
The XXXX said they are auto buy my home owner insurance with the amount triple my Mortgage. 

The usually I paid mortgage with XXXX {$870.00}, XXXX : {$1200.00}, the property Tax and escrow fee : {$1300.00} so total every month : {$3400.00} But on XXXX XXXX, 2022 they auto took money from my bank : {$19000.00}. When I discovered on my bank account a days after that, I call them, and then they excused that the XXXX they bought for my home owner insurance, from XXXX to XX/XX/2022. And they said they send me XXXX letters for that. 
I Argued with them, if i receive any XXXX of the letter i fix the problem right the way, because no way we see the amount jump from {$3400.00} to {$19000.00} and admit to pay this amount. 
They said I accepted their rules when I set up the XXXX pay via their website. XXXX I said I never authorized for any insurance took my money from my bank, I just authorized for the mortgage amount, Property tax and Escrow fee only, this is the illegal activities without my permission, I required them to refund the full amount before we deal with other issue, them They denied to refund money. 

So I am write this complain to CFPB because : 1 - Illegal make the transaction with big amount without my permission.

2 - Ask them to refund the full amount they took from my bank illegal immediately.

3 - Please Investigation about the indistinctive contract they lured the customer.

Please respond my complain ASAP, because they took the big amount of money ( {$19000.00} ) impact effect to my others bills to pay. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 7 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/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 non-monetary relief
Consumer complaint received 2022-11-11
Company: Convergent Resources, Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
FCRA violation. The item listed on my XXXX report is unidentified and / or erroneously added by mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
on XX/XX/23 I sent a letter regarding inaccurate I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year, I have sent disputes and have made a complaint with the federal trade commission and XXXX XXXX XXXX because to my knowledge I do not recall any of these accounts. I need this problem fixed asap I will not wait another 50 days to receive any response because clearly, they are ignoring me

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09
Company: Avant Holding Company, Inc.
State: MN
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: Investigation took more than 30 days

Complaint:
Its been over 30 days, and the creditor has not updated information nor provided proof or documentation in regards to a late payment. They have not supplied this information. They must delete the alleged late payments on my credit report. Under federal law, they had 30 days to complete the investigation and by failing to do so, the item must be deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15
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:
Two purchases were made on my card after I lost this card along with my wallet including my drivers license, social security number, two XXXX  credit cards. 

I notified this company within 48 hours that my card was stolen and these purchases were not me. One was for {$6000.00} and the other {$2000.00}. I had to close my bank account because of the fraud. I have told this bank multiple times I was not involved in these purchases. It is now affecting my credit score.

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 2023-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The following items continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these items. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US SM BUS ADMIN ODA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2022-11-05
Company: Block, 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:
Dear Sir/Madam I own small business named XXXX XXXX  XXXX I had a customer recently which we Have done following job for her, - XXXX  TVs Mounted in highrise - Providing Full motion mounts- XXXX  Wire Concealment - A cage bed assembled - a picture hanged After we done the job customer told us she pay by his boyfriend card and we used square to take the payment and the customer entered card information by herself. 

The customer AFTER TWO WEEKS claimed she can not recognise the transaction to their bank and the square app without taking any permissions deducted the money from my bank account and then we disputed return inside square app and uploaded pictures of communicated text message and also the job we have done. But after about 45 days square informed us the customer bank gave the money to their customer and in this way the customer who provided a fake name to us never pay any money to us for her service and scammed us. 

We contact our bank and provided documents and our bank return the money to our account but square contact us today and threatened us in email and requested us to pay the amount to them. We cant understand why we should pay our money as a debt to a card company and why they never denied the customer fake claim from beginning since the customer told their bank after two weeks and how someone never see a balance for amount of {$1100.00} during two weeks?!! And suddenly after two weeks they contacted their bank and told they cant recognise the transaction?! 


Now square company make a negative balance for the amount of {$1100.00} for us and prevent us to take card payments and threatening us to use all possible ways to take the debt in email. We encourage them to tale their debt from the scam customer but for whatever reason Square has strange collaborations with theft customer and it is obvious for us they possibly used this trick for many other companies yo take a free service and wont pay and run away! 

They threaten us in email as follows Please be aware that if we do not hear back from you or are unable to agree to a repayment solution, Square reserves the right to pursue all available options in recovering this outstanding balance. We look forward to helping you get your account back on track. 



By the way during two years of using square all our customers left positive feedback even inside square and we never had a customer to dispute their transaction! 




Finally Can you please follow the matter asap? And request Square to remove the negative balance from our account? And prevent them to do same story on other companies!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of accounts which do not belong to me or were opened without my permission. 
XXXX XXXX .... Balance : {$6700.00} ; XXXX XXXX XXXX XXXX XXXX. Balance : - ; XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$370.00} ; XXXX XXXXXXXX .... Balance : {$5900.00} ; XXXX XXXX XXXX XXXX Balance : {$9100.00} ; XXXX XXXX & XXXX XXXX Balance : {$350.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1300.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2022-11-05
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I continued to run into delay and snare statics to remove inaccurate and false information on my credit report from the CRA and furnishers such as personal address despite provide prove 15 U.S. Code 1681s2 A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. 

If a consumer submits an identity theft report to a person who furnishes information to a consumer reporting agency at the address specified by that person for receiving such reports stating that information maintained by such person that purports to relate to the consumer resulted from identity theft, the person may not furnish such information that purports to relate to the consumer to any consumer reporting agency, unless the person subsequently knows or is informed by the consumer that the information is correct.

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 2022-10-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
I have tried to fix this problem and have told the company I had fraudulent activity and my cards were stolen there are many more things on my credit file I have not opened and my wallet was stolen many many times to where I have had personal information taken and tried to be used and I dont know what to do

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-24
Company: PNC Bank N.A.
State: AR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Hi, I received a brochure from PNC Bank saying if I refinance my current PNC Mortgage to a Harps mortgage loan and also open a checking account, I would receive {$400.00} incentive in my checking account. 

The condition ( s ) of the incentive is : ( 1 ) initiate a direct deposit within 60 days. 
( 2 ) Make 3 bill payments within 60 days. 

I talked with XXXX the loan officer at that time and confirmed it. He opened the Mortgage loan and a checking account. I fulfilled all the requirements from my end and still didn't receive the {$400.00}. 
I contacted XXXX who escalated it to XXXX who then escalated to the customer relations officer with no result. All they said is that I did do a direct deposit and 3 bill payments but made one of the bill payments which is initiated through my other bank and came out of my PNC Bank?? How does a non employee know if it is different when it is initiated from PNC or other Bank? All I know is, the payment came out of PNC bank. 
I also called XXXX and another employee of the bank before the 60 day period ended, to confirm that I met all the requirements, who did confirm that I met them and to wait for my {$400.00}. If the employees ' themselves don't know the technicalities of the account, how can you expect it from others? 
Also, I called before the 60 days, so had I been told that one of the bill pay will not be counted towards the incentive, I would have initiated another one since I have plenty of time then.

Bottom line, I am not happy with PNC. My other banks ' will go out of the way to help for being their customer but never have I seen a bank like this who said that it is up to me, if I decide to close my accounts with them.

I have been an excellent customer for them for over 14 years with 2 Mortgage loans, credit cards, checking accounts and money market accounts! Is this how they treat their loyal customers?

I feel like I am being scammed of my {$400.00} and now I am ready to close my Mortgage and my credit card and also my family members ' other 2 accounts. 

I know, that I should have brought this complaint long ago, but better late than never! 
I want others to know not to fall for this kind of incentives from PNC, they will beat you up with technicalities which you will never know. 
. 
I was busy then and didn't get around to write this sooner, but I still have my mortgage and credit card accounts with PNC, so I am bringing it now. 

Thanks, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-01
Company: SYNCHRONY FINANCIAL
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 status incorrect

Complaint:
I have tried to resolve an issue with Lowes via credit bureau dispute and via phone. I believe Lowes is being negligent and lazy about their credit reporting and it is preventing me from getting a much needed loan.

The matter is that the Lowes account went delinquent in XX/XX/2015 and was sold to XXXX in XX/XX/2015. I settled with XXXX in XX/XX/2015 yet Lowes continues to report on my credit report every month and they are reporting a negative status. 

That practice is illegal and they by law have to fully investigate consumer claims. They are not doing that

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 2022-10-25
Company: WELLS FARGO & COMPANY
State: IA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
Wells Fargo has made my life XXXX through my private student loan. I have had a private loan with Wells Fargo from when I started college ( XXXX ) until a year ago when ( XXXX ) when they pawned off all their student loans to XXXX. Now Wells Fargo no longer gives me access to my account for me to give dates and examples. Throughout the span of this loan I tried to get Wells Fargo to lower my payments or even give me income driven which they denied several times. I have had to make payments to Wells Fargo rather than paying rent or getting myself groceries, to that the woman said, well thats just how it is.I can not believe how cruel and cold they have been towards me. The mental stresses they have put upon me is not right. They would rather get their money and have me suffer. There have also been a number of times in which they have not accepted a day late payment and charged me late fees as well as not accepting partial payment to suffice one of the loans. XXXX claims to have taken on the same liabilities as Wells Fargo. I have been in forbearance with XXXX for 9 months now. I only have 3 months left until I have to start paying that ridiculous payment. Which I absolutely will not be able to do, especially with the current economy.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27
Company: Experian Information Solutions Inc.
State: PA
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:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against 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 non-monetary relief
Consumer complaint received 2019-05-01
Company: Harris & Harris, Ltd.
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX court issued me a traffic citation. Amount due was {$72.00}. Debt collection was handed over to a collection agency ( Harris & Harris : XXXX ). Collection agency has tacked on additional {$30.00} worth of penalty and interest. Court ( customer service ) confirmed that the court only recieves the original amount ( {$72.00} ) and they have no visibility or control on what the collection  agency will charge. 

There is lack of transparency on what specific penalty and interest rates this private collection agency can charge, and lack of rules that govern this. Who decides how much fees and interest they can charge? What if they decide to charge a XXXX dollars? I am under no contract with the collection agency and the court is only aware of the original amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11
Company: TD BANK US HOLDING COMPANY
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I recently received a credit report update that showed a new credit card opened up under my name. The card is with TD Bank ( which I have no knowledge of doing ) and is associated with an address and phone number that I have never lived at / used. 

This card was opened on XX/XX/22 and I believe this was an incident of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-01
Company: AUTOMOTIVE CREDIT CORPORATION
State: MS
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/2019 ; I was notified that a name under my social security number is showing up. This name is not mine and I have not attempted to apply for any credit. As this is not my name with a XXXX at the end, this is believed to be fraudulent activity and coinsides with the notification that my name is also showing up under another race. I have attempted to resolve this issue with no results. I would like the inquiries removed from my report as I did not apply for any credit. Thank you for your time and support.

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 2018-08-24
Company: EQUIFAX, INC.
State: GA
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:
Since XX/XX/XXXX, I have made several complaints to CFPB and BBB about 2 XXXX XXXX cards showing up on my credit. XXXX XXXX even took me to court over the accounts and could not prove the accounts were mine. We went to court twice, the cases were both dismissed after the second court date. These accounts need to be removed from collections AND my credit.

Company response to consumer: Closed with explanation