BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-09-24
Company: Penn Credit Corporation
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This company Penn Credit Corp is calling me multiple times a day from multiple States with different phone numbers trying to collect a debt for XXXX XXXX who has been informed multiple times ( Police report, FTC Report etc. ) that the account is the result of ID Theft and is therefore XXXX XXXX is in violation of FTC Rule 605B.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-19
Company: Bull City Financial Solutions, Inc
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have made several attempts to dispute the validation with the creditor, XXXX XXXX, collection agency Bull City Financial in the amount of {$560.00}. This debt has not been validated by the original creditor or the 3 credit bureaus and are still reporting this debt as being owed. I have asked for removal due to lack of verificatio of this debt with no resolve. I started my efforts in XX/XX/2017.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I had an account with XXXX XXXX XXXX in which I cancel the policy. Before canceling the policy I open a policy with another carrier. Ive made several attempts to inform XXXX but it was ignored. I contacted the XXXX XXXX XXXX and finally, the policy was canceled and a refunded check was sent to me. 

After receiving the refund from XXXX XXXX I asked for the calls from XXXX XXXX XXXX to be stopped as well as for the negative information to be removed from my credit report. XXXX XXXX XXXX as well as XXXX XXXX XXXX has again ignored my request. I am asking CFPB to please assist in getting this negative information removed from my credit report and stop the calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-24
Company: WELLS FARGO & COMPANY
State: FL
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: Problem with personal statement of dispute

Complaint:
Two 30-day late mortgage past due payments that were directly caused from Wells Fargo website malfunctioning. I have 3 mortgages with Wells Fargo and pay electronically every month prompted by a monthly alarm I have set on my phone. While trying to pay my XXXX XXXX mortgages electronically an issue occurred when Wells Fargo had changed their website in the XXXX/XXXX  XXXX timeframe. When I logged in and tried to pay, it would act as if it was processing the payment and then a prompt would come up saying " No Internet Connection '' and it did not give me a confirmation. I tried several times logging in and out, but it still gave me this message. I was at work and needed to go to my next meeting so I thought I would try again later from home. Unfortunately, I completely forgot and didn't realize until I went to pay the mortgages the next month. I then immediately paid them in full. This time it would let me pay the 1st mortgage, but when I tried to pay the 2nd one it gave me the " No Internet Connection '' message again. This issue went on until the XX/XX/XXXX timeframe in which I was required to log off and log back on to pay each individual mortgage, often having to log on and off more than once to get it to work per each of the 2nd and 3rd mortgages that I tried to pay. As of XXXX it appears to be working correctly and I have made no changes to the computer that I am using or the networks at work or home. I called Wells Fargo to explain my situation in XX/XX/XXXX and the customer service representative that I spoke with told me that it would not go on my credit report because I had caught it in time. However, I recently applied for a vehicle loan and the lender informed me that I had two 30 day mortgage past due flags from Wells Fargo on my credit report. Other than this issue with the Wells Fargo website I have been rock solid on payments for years usually paying within 1 to 5 days of the beginning of the month. With the aforementioned in mind I had respectfully asked that Wells Fargo remove the 30 day delinquencies from my credit report and after their review they denied my request. I would like assistance to get these 30-day delinquencies removed as they were directly caused by their website malfunctioning. 

3 Wells Fargo Mortgages : 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 2018-02-19
Company: Synovus Bank
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I called XXXX XXXX the middle of last month to close out my credit card. They closed my card and told me I had a final balance which was {$38.00}. They would not accept a credit or debit card payment over the telephone. They only wanted a check or checking information. Before I paid them, I called again to verify the amount, then I sent a check for the amount in the beginning of XX/XX/XXXX. I just recently got a bill that said I owed double the amount. I called the company today and they told me I paid the closeout late fee late, so they charged me another late fee with interest. I as to speak to a supervisor but the customer service agent refused to transfer me and he eventually hung-up the telephone on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28
Company: Square Inc
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Problem with personal statement of dispute

Complaint:
My problem is it with the company a XXXX XXXX they've been holding my money for three weeks they haven't transferred money to my bank account I use them as a credit card processor for my small business I've been trying to contact them every single day and nobody answers is just a machine I need to know what's going on and where is my money they hold in almost {$4000.00} I would like to get my money and cancel the account

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
These are not my inquiries, I have never applied for these.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-19
Company: NRA Group, LLC
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have made several attempts to dispute the validation with the creditor, XXXX XXXX, collection agency National Recovery in the amount of {$82.00}. This debt has not been validated and the credit agencies, XXXX   and XXXX are still reporting this debt as being owed. I have asked for removal due to lack of verificatio of this debt with no resolve. I started my efforts in XX/XX/2017.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-11
Company: LD Holdings Group, LLC
State: VA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I am writing to express my continued disappointment in Loan Depot 's inability to appropriately manage my escrow account. This is a failure that originally occurred with last years analysis, was corrected following weeks of explanation, only to occur again with the 2020 escrow analysis. At this stage, Loan Depot has failed to remediate the issue and has ceased all communication ; hence my escalation to you. 

Below is a summary of the issue : - My property sits on two separate lots of land ; one in XXXX XXXX, the other in XXXX XXXX. As such, Loan Depot manages two separate tax lines for me - My semi-annual tax liability for the XXXX XXXX real estate [ XXXX and XXXX ] is in the amount of {$1800.00} which is accurately reflected on the escrow statement dated XX/XX/2020 - My semi-annual tax liability for the XXXX XXXX real estate [ XXXX and XXXX XXXX is in the amount of {$2.00} which is erroneously stated as a {$1800.00} projection in each instance on the escrow statement dated XX/XX/2020 - It appears as though the XXXX XXXX tax liability has been doubled, resulting in a substantial escrow shortage and even more substantial monthly escrow deposit amount increase each month thereafter - As noted above, this is the second consecutive year this has happened - On XX/XX/2020, the new mortgage payment, including the recently analyzed escrow amount, was withdrawn from my account in the amount of {$2200.00} [ up {$360.00} from previous months ] - On XX/XX/2020, a written complaint was sent to Loan Depot expressing my disappointment in their ability to appropriately manage the two tax lines, requesting an immediate reanalysis of my escrow accounts and a refund of the XX/XX/2020 payment overage - On XX/XX/2020, I received a voicemail from a supervisor at Loan Depot who simply read the details of the escrow analysis to me before stating that the complaint was considered closed ; it clearly is not - On XX/XX/2020, I called Loan Depot to escalate the complaint. They stated a manger would call back within 24 hours. This has not happened to date.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18
Company: Bright Capital Inc
State: NV
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Wrong amount charged or received

Complaint:
The company know at as Bright XXXX took XXXX dollars from my account. Soon after trying to get hold with someone for days I get a email to downgrade my account. Which I follow through in which they tell me my money will come in 2-3 days its almost been a week they took money unexpectedly which caused my checking to go in the negatives. They claim to have 24/hrs service but all I got was a bot and e-mails please I would like this matter to be resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-10
Company: CHERRY CREEK MORTGAGE COMPANY INC.
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On Saturday, XX/XX/XXXX I received a letter from the county of XXXX for a " Delinquent Property Tax Statement. '' I contacted the mortgage broker at Cherry Creek Mortgage Company that did my transaction when I closed on this home in XXXX of 2018. XXXX had my loan from the date of closing until XX/XX/XXXX when it went to XXXX XXXX XXXX. XXXX never paid the first half property taxes that were due on the last day of XXXX. XXXX has taken the stance that even though they didn't pay the property taxes, the current mortgage service provider, XXXX XXXX should pay it because there is plenty of funds in my escrow to do so. 

The reality is I am apparently delinquent on my property taxes due to Cherry Creek Mortgage Company not paying the property taxes and outside of my contact who is a mortgage broker they do not appear to be working to assist this situation getting taken care of efficiently and effectively.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-22
Company: CREDIT ACCEPTANCE CORPORATION
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: Old information reappears or never goes away

Complaint:
credit acceptance corporation paid off why is it still showing take it off XX/XX/XXXX - XX/XX/XXXX XXXX is closed take off XX/XX/XXXX closed XX/XX/XXXX To Many Inquires showing They need to be taking Off As Well any Bad Charge-off showing

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 2020-07-07
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I am writing this as I just got off the phone with the Chase fraud dept after waiting 6 weeks for them to tell me they were not going to return the nearly {$7400.00} that was removed via ACH transactions. There were multiple transactions starting with {$2.00}, {$2.00}, {$2.00}, {$3.00}, {$1.00}, {$9.00}, {$3.00}, and {$9.00} which were deposits. 

Since they were deposits and were in my savings acct at first I didnt pay much attention because I thought they were dividends due to the amount in the account. Then as Covid was gearing up and we were dealing with my husband becoming unemployed, homeschooling, and trying to get our accountant to do our taxes etc the next few weeks the with drawls started weekly {$480.00}, {$780.00} and {$980.00} totaling {$7400.00} The source was labeled XXXX XXXX. We use XXXX XXXX and XXXX for a lot of our business transactions so at first I assumed my husband was purchasing something for business. Being at the computer more with pandemic unemployment claims etc I finally noticed the amount was unusually low and caught the activity. I then made a claim with their fraud dept. Apparently they only look at 60 days from the first transaction and will not do anything about replacing the money when it is apparent fraud. One year ago there were two with drawls totaling {$11000.00}. via ACH transfers. All at the same bank. We opened a new account and transferred the money to the new account, with their help and guidance, within a few days the ACH with drawls started happening again. We then with drew the money as cash and put it into a third account. Since the connection between the accounts in my mind was broken there was nothing for a while. Apparently regulation E, which I was not aware of, states that there is only a 60 day window to make the claim. Even if we were to claim the transaction window starting XX/XX/XXXX it would have fallen in their window. Since we did not authorize this source it atomically goes back to all transactions even if it was a tiny deposit looking like a dividend. Which then puts it passed 60 days but the large part of the stolen money was within 60! days. This EFTA was made in XXXX! The internet was not even around then. How can this still be a thing in todays time. When these hackers know how the system works. This can not be right. 

With everything going on especially XXXX - XXXX you would think that they would do something about this. Fraud is fraud. I have been a member of Chase since XXXX and am surprised at them not wanting to help at all. Have you had any experience with this situation before and can you help us get our money back from Chase. 

Thank You for your time. 

XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-08
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
I filed a dispute on XXXX  thru Experian in XXXX & XXXX XXXXas 3 months was missing stating I did not pay the monthly amount on a modification I had started with XXXX  on XXXX XXXXwhich I PD on XXXX XXXXbut on Experian it states PD XXXX XXXX but references XXXX  and was for XXXX XXXX {$2100.00} 2nd mod PD end of XXXX XXXX {$2100.00} for XX/XX/XXXX last payment for Modification was XXXX XXXX for XXXX XXXX for {$2100.00} those were the 3 modification payments Start in XX/XX/XXXX, - XXXX XXXX disputed the dates & XX/XX/XXXX said no payment i am going to The XXXX XXXX XXXXXXXX tomorrow to get payments sent to XXXX  from XXXX XXXX, XXXX. Which will prove XXXX received the monthly payments. The Attorney Generals Office in XXXX reached XXXX & had my percentage rate reduced from 5.0 % to 3.375 % and my monthly payments were reduced to {$1900.00} per month. When I was emailed from Experian that my dispute was ready checked Experian put in No Payments for XXXX  which also Reduced my mortgage Fico Score for mortgage from a XXXX and put down to a XXXX for Mortgage this should be made right I paid as I was suppose to in XXXX  after Fraud/Identity Theft!

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 2023-06-04
Company: ALLY FINANCIAL INC.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Ollo card XXXX XXXX XXXX XXXX XXXX. I asked for confirmation of debt. I requested for the wet signatures. I reviewed a statement bill. This is not confirmation of debt. They told me the debt was confirmed. I asked who confirmed it and asked for the name, address, phone number and job title like lawyer. They could not answer that question. I said I just confirmed you are a incompetent XXXX. Banks can not loan money modern money mechanics book from federal reserve. XXXX. Banks take peoples signature promises to pay and exchange them for credits. Basic bookkeeping with debts and credits

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 2018-02-19
Company: General Motors Financial Company, Inc.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
the car was sticker price XXXX was not on vehicle,, calll XXXX gave them vin, XXXX rebate, XXXX down loan should of been XXXX, the contract was not given to me but was going to be mail out, GM gave me a copy, XXXX total this is fraud, esp when no sticker was on the window, the excuse the sticker was in didnt have one.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09
Company: General Motors Financial Company, Inc.
State: OR
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 is unknown hard inquiry on my credit reports. Im requested the verification of the inquiry and the method of verification. AMERICREDIT, Inquiry : XXXX XXXX, 2019. For the first time no response came in 15 days company did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 XXXX was paid prior to my filing for bankruptcy, was at a XXXX   balance before collections, and should not have gone to collections in the frist place.

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 2020-05-23
Company: U.S. BANCORP
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
My insurance cost has now gone up do to US Bank filing an insurance claim against my insurance on XX/XX/XXXX. The bank gave a fictitious date of damage as XX/XX/XXXX in XXXX, AZ to the insurance company. That never happened and since I own the vehicle and have the vehicle in my possession, this is a fraudulent claim. The insurance company said that lean holders have the right to do this and if the insured does not fight it, the insurance has to pay it. Again, this is a fraudulent claim.

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 2021-02-09
Company: First Choice Credit Management
State: KY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
We signed an agreement, with First Choice Credit Management, to pay four different debtors. We agreed to pay, {$170.00} dollars/monthly for thirty two months. It started on XX/XX/XXXX. It ended on XX/XX/XXXX. They promised that all the debts would be paid. They settled with three, of the debtors, and told us, that the fourth debtor, would be paid too. We started getting letters, from lawyers, who the fourth debtors, got to help them collect their money. We called and told First Choice that the lawyers, were calling us. The First Choice team, said dont worry about the calls, because they were going to get it settled. They told us, we did not owe, any more money, which is what the agreement stated. They ended up not getting the last debt settled, and sent it to another debt management company. The new company wanted four more payments, from us. We said no, because that was not part, of the original agreement. We had to take the balance, that was left, in my wifes account, and we are paying the debt back ourselves. We are very unhappy that they did not fulfill their commitment and were untruthful to us. We dont want anyone else, to have to through this nonsense. I called them several times and they never returned my calls. I wanted to speak, with a manager, and they did not see fit to call me back.

Company response to consumer: Closed with monetary relief