BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-02
Company: AmeriHome Mortgage Company, LLC
State: MS
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/XXXX I received a letter stating my Escrow taxes had not been paid yet. I pay them every month with my house payment. I called my tax office and they informed me that XXXX had not received the right PPIN which is there responsibility to pay my tax. I called XXXX and explained this to them, I sent emails and explained this. The amount of my taxes are XXXX and XXXX. I can not get anyone to tell me anything. They will not return my call, I have called everyday and today is XX/XX/XXXX. My next step is to contact my attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15
Company: JPMORGAN CHASE & CO.
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XX/XX/2020 I opened a new account with Chase Bank online. I received the new debit card and information to begin direct deposit by XX/XX/2020 I would also receive a {$200.00} bonus for doing so and how to download and use the Chase app on my XXXX. As I received SSXXXX I missed the XXXX deadlind for direct deposit so set up for direct deposit to begin in XXXX. I received a small rebate check from XXXX so using the phone app I deposited the check into my new Chase Account. It never rolled over to funds I could use. I then received a letter on XX/XX/2020 dated XX/XX/2020 that Chase would be closing my account as I had not provided them information requested. I immediately called Chase as I have not be asked to provide anything more. After a substantial hold the agent came back and said they were closing my account as the XXXX check is a third party check it isnt mine. I escalated immediately as this check is mine with my name and my address the same as this account. The excalation supervisor looked it all up and agreed there was nothing wrong on my behalf. The Chase banking system had linked it incorrectly to another persons account. I did nothing wrong. However Chase still was closing the account they could do nothing. I asked about them then opening a new account as they were the ones to mess up not me. I was flatly told if I wanted a Chase account it was up to me to go reapply. I recalled and asked additional agents. Emails were sent to the CEO of consumer banking and the Chairmans office. Nothing ever answered. I am owed back my XXXX money. I should have the bonus. Now I have no account for the SSXXXX  check. Chase thinks its fine. They XXXX  up on their systems. They call me the liar despite the proof is in their hands and they do nothing for service.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17
Company: Experian Information Solutions 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:
I applied for a credit limit increase on one of my credit cards however, I was not approved because apparently there is an account reflecting badly on my credit. I had no idea what account they were referring to until I looked over my credit report and saw one account from a company called XXXX. This account does not belong to me nor am I affiliated to that company in any way. I never opened any account with that company and I did not allow anyone to open an account with them in my name. I did not benefit anything as a result of this account that was opened in my name without my permission such as money, goods, services or anything else and I never made any payments towards this debt. I don't know who is responsible for this account but I have already filed a police report as well as a complaint with the Consumer Financial Protection Bureau.

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 2020-11-17
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:
I applied for a credit limit increase on one of my credit cards however, I was not approved because apparently there is an account reflecting badly on my credit. I had no idea what account they were referring to until I looked over my credit report and saw one account from a company called XXXX. This account does not belong to me nor am I affiliated to that company in any way. I never opened any account with that company and I did not allow anyone to open an account with them in my name. I did not benefit anything as a result of this account that was opened in my name without my permission such as money, goods, services or anything else and I never made any payments towards this debt. I don't know who is responsible for this account but I have already filed a police report as well as a complaint with the Consumer Financial Protection Bureau.

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 2019-05-29
Company: U.S. BANCORP
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
XX/XX/XXXX US bank raised my mortgage due to Escrow shortages. They didnt call or email they just sent a letter in the mail. Honestly looked just like my statement. Called them we basically split the difference really silly. It's all recorded I was asked to pay XXXX different amounts. I asked for a supervisor back in XXXX still to this day XX/XX/XXXX still have yet to speak with supervisor. My payments started out at XXXX in XXXX by XXXX I am at XXXX I get the tax and stuff. My Escrow account is alway XXXX because they move things around saying that I owed them from past years. The company stated that I have to have a Escrow balance of XXXX to start every year. But I always am short so I have to pay back the Escrow shortages and my payments go up. My credit score was a XXXX in XXXX now I'm having trouble getting it back up. I have almost XXXX in equity in my house but I cant refinance it due to the one missed payment and I cant catch up due to the Company wanting to break that one payment up over 3 months so I would have to pay almost XXXX a month which is not happening. If yall can pull the calls and just listen to what they said and how they are screwing me over. 

Also they sent me a project Escrow payment for the year which was XXXX. But for the whole year of XXXX I payed XXXX a month just in Escrow.

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 2021-09-01
Company: EQUIFAX, INC.
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 checked my consumer resport and I the consumer seen that there was accounts on my report that I did not give consent to be opened under my personal credit

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18
Company: Westcreek Financial
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I have filed a dispute in regards to the incorrect items on m y credit report. It has been well over 30 days and I have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-04
Company: PNC Bank N.A.
State: PA
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:
In XX/XX/XXXX, I hired a contractor to do some work on a property that I owned. This contractor gave me a quote for almost {$12000.00} to do a variety of things. We paid him half, or {$6000.00}. The contractor, over the proceeding months, did no work, stalled a dozen times, had us pay additionally for materials under the guise of starting the work, and we finally fired him in XX/XX/XXXX. We hired another contractor for what money we had left for the project in XX/XX/XXXX to complete the most urgent repairs. We then disputed the {$6000.00} for services NOT rendered with PNC, and at this point, the most urgent repairs are already completed, which PNC does not seem to understand. 

Over the last few months, we have given PNC everything that they have asked for to get the {$6000.00} back, only to be told a different thing by a different person every time that I call. Earlier in this debacle, we were given an incorrect case # and documents were faxed to the wrong number, and the case was closed. The last time that I spoke to the woman who was in charge of our dispute, she said I needed a statement by the contractor stating what he did, and the condition of the house when he did the work. I provided this, only to get a denial letter two weeks later. I had called to inquire about the dispute, only to be told that they needed some completely different document to be signed by the contractor, which was not told to me before. I have called there more time than I can count. I have been told so many different things I don't know how else to resolve this. I sent them emails where the contractor admitted to not doing any work, text messages, receipts, statements, estimates, - every piece of well-documented proof that shows this man took our money and did NOTHING. 

PNC refuses to give accurate information so we can provide the myriad of documents that they are requesting. I think the heart of the issue lies in that they believe we are disputing work that we paid for that had to be redone ; the issue is we paid for work, and NOTHING was done. PNC needs to give us accurate information and resolve this dispute. We do not owe the {$6000.00} that we paid, as the contractor broke his contract and did nothing. We have given PNC all the documentation to support this, including the contractor, XXXX XXXX, admitting that he did nothing, admitted that he owed us, and was asking if we are going to sue him. 
This needs to be resolved now. 

Dispute # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 not been late on this account there was no full investigation on this account for late payments. There was an automated response from e-Oscar system stating the information was verified. I request physical verification in XXXX of XXXX of this year showing I was LATE as I have NEVER been late. XXXX XXXX Account # XXXX Please correct XXXX payment history as it not reporting correctly. 

Please PYSICAL VERIFICATION OF LATE 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 2021-03-26
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
We was contacted for a rental property claiming he received my number from XXXX XXXX. We was in contact with him about the property and when we got closeto seeing it he said that property was secured and he gave us another address to see. He gave us the code to get in and we liked it. So went through the process of paying him the application fee the deposit and the XXXX month 's rent. We was supposed to get a email from a lockbox company for our key. It was XXXX hours and I was getting worried it was a scam. So I called invitation homes and they told me it was a scam

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-03
Company: Freedom Mortgage Company
State: NH
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
My Mortgage Company Is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX NMLS ID : XXXX XXXX I have made every payment. The Mortgage company failed to pay my town property taxes out of the escrow account that were due XX/XX/XXXX. I was notified by the town on XX/XX/XXXX that the taxes had not been paid and that they intended to put a lien on my house for non-payment of taxes. I immediately notified Freedom Mortgage and followed up several times, but they failed and refused to pay the taxes. 

On XX/XX/XXXX I paid the taxes, interest and penalties in the total amount of {$4900.00}. I have called and emailed Freedom Mortgage numerous times but they have failed and refused to reimburse me for the tax, interest and penalties I had to pay because they failed to do so. All they will tell me when I call is " we have a ticket open. '' I could not afford to pay this {$4900.00} and to make it worse, I still had to come up with my regular mortgage payment on XX/XX/XXXX. This is a serious financial hardship. 

Please help and take all possible regulatory actions against 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 2021-03-26
Company: FIDELITY CAPITAL 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: Public record information inaccurate

Complaint:
FIDELITY INFORMATION C Original creditor : XXXX XXXX XXXX : {$2900.00} STATUS DATE : XXXX XXXX This formal complaint regards a fraudulent entry on my personal consumer credit account, erroneously reported since XXXX XXXX, listed by FIDELITY INFORMATION C XXXX regarding original creditor : XXXX XXXX XXXX XXXX adversely affecting and damaging my credit score and financial status since XX/XX/XXXX. 

After multiple attempts and repeated requests, including certified mailings with court certified documents ( mailed XX/XX/XXXX to FIDELITY INFORMATION C XXXX validating my dispute regarding the above stated fraudulent entry, XXXX XXXX XXXX has continuously refused to remove the fraudulent listing and repeatedly disputed my requests for removal with major credit reporting agencies. 

I am seeking full redress and a complete cease and desist from FIDELITY INFORMATION C ( regarding original creditor : XXXX XXXX XXXX for any future dispute rebuttals, and immediate removal of any and all negative reports or entries from my personal consumer credit account, including any and all public reporting involving my name or likeness. 

I have full documentation ready and available upon official request.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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:
XXXX XXXX  - XXXX & account XXXX - is currently reporting on my credit report recently. These accounts were paid a long time ago and they were sent to collection in error. I have never received anything from them or the bureaus regarding my disputes.

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 2018-04-03
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
The answer to the complaint XXXX is totally wrong. There is no correlations between the deposit between XX/XX/XXXX and the deposit on XX/XX/XXXX. Both of them come from a XXXX XXXX account, but from different CHECKING ACCOUNT. One of them is Personal and the other is Business. I do not receive my money yet. 

My complaint is about the deposit on XX/XX/XXXX, The check number is XXXX. 

Please, feel free to verify the information provided by me in the attachments.

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 2018-04-01
Company: KILOWATT FINANCIAL, LLC, A SPRUCE FINANCE COMPANY
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have paid this company every month. They call me repeatedly even after they have been paid, Four to Five times a day. as early at XXXX XXXX in the morning. YES, I owe them money, but I cant pay them until I get paid, and I pay them every month. Recenly I was in very sick with XXXX, and I'm not thinking about paying anybody. They received their payment and then they dinged my credit for being past thirty days. I get it, but have a heart. I've written on my payments, its all the money I have. They cash the check, then call me five times in one day. They wont stop. There robo calls. I don't answer because then I get yelled at. I'm done. I pay these people every single month. Yes, The pay might be five or even ten days late, but they get paid every month when I get paid. This harassment has got to stop. They can call me once a day. but five, six and seventimes a day is XXXX, and then to get yelled at when trying to explain I'm sick. Please tell them to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
This is my 6th complaint that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific accounts in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts : 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 explanation
Consumer complaint received 2021-02-25
Company: CITIBANK, N.A.
State: KS
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I was a with THE HOME DEPOT/CBNA customer since XXXX and during that time, I have enjoyed my experience greatly. I am writing to see if you would be willing to make a " goodwill '' adjustment to your reporting to the three credit agencies. I have late payments on the above referenced account ( XX/XX/XXXX ). Since that time I was an exceptional customer paying every month on time. Because of my exceptional payment history over the last years, I would like you to consider removing the negative payments from my credit report. At the time of the late payments, I was in the process of changing jobs. I say that not to justify why the payments were late, but rather to show that the late payments are not a good indicator of my actual credit worthiness.

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 2021-02-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Account status incorrect

Complaint:
Hello, I trust that you can help me quickly resolve inaccurate reporting on my credit reports with XXXX and TransUnion. Ive worked with both agencies and the inaccurate reporting still continues. 

XXXX  and TransUnion are reporting the XX/XX/2020 payment of my XXXX XXXX XXXX as 30 days late. The creditor has said that they did not report the XXXX payment late, as it was received on time. 

A check was mailed and posted by my bank XXXX XX/XX/2020. Please have TransUnion and XXXX report accurate information and remove the 30 day XXXX late payment for the account mentioned above. I need this done immediately, as it is affecting my ability to secure a loan.

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 2019-02-25
Company: ONLINE Information Services, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I DO NOT KNOW THIS COMPANY. IT A SOME SORT OF COLLECTION AGENCY. 
I DO NOT WANT TO DEAL WITH THEM AS INFORMATION IS INACCURATE

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26
Company: LEXISNEXIS
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:
Company : LexisNexis XXXX LN ) Once I received my credit report from LN, I sent in my reply to the incorrect reporting of information. I received XXXX letter asking that i verify jy identity, which i returned promptly, Did not hear anything form them again. This events happened in and around XX/XX/2020. At the beginning of this year i sent in a request for my credit report. Again. I did NOT hear form them - over 3 months ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-18
Company: Experian Information Solutions Inc.
State: MA
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:
XXXX XXXX Account number XXXX, Paid before colections, paid as agreed, and current. PLEASE DELETE.

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