BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-23
Company: PulteGroup, Inc.
State: NV
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Good afternoon To whom it may concern, As a proud XXXX veteran that served the country and a man of integrity that now serves the community working for XXXX. Im reaching out in need of some assistance with a matter involving Pulte XXXX in XXXX XXXX, NV, and my earnest money in the amount of {$19000.00} given as a deposit for the purchase of a new home for my growing family consisting of my spouse, three boys and baby on the way. On XX/XX/XXXX a contract was signed with Pulte Homes to buy a new house using the VA loan but also contingent on me selling my current VA residence to utilize the proceeds as down payment. With the unforeseen events occurring in the entire country and the rise of interest rates I have seen myself forced to reduce the sale price of my home three times for a total amounting to - {$50000.00} and had lots of showings of the property but no solid offers. The mentioned contract that was contingent on the sale of my house to use the profit as a down payment also had a VA addendum that states if I can not obtain the VA financing, I have the option of a refund of all deposits and Pulte Homes will not honor the addendum. Instead, they have decided to keep my earnest money and create a certificate of credit for another three months after the expiration of the contract on XX/XX/2022. On several occasions I told them I wanted out of the contract because my home was not selling and to give them a chance to put the house on the market for other potential buyers, but because of their high inventory of houses not selling they continued to make new efforts to keep me and my money. I didnt want to break the contract forfeiting my hard earned {$19000.00} that was originally saved to help purchase a vehicle for my oldest son now XXXX. I sacrificed the savings that was destined to help purchase a vehicle for my son for a bigger purpose that will benefit the entire family and now kindly asking for some assistance in the recovery of those funds. Thank You.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: Bay Area Receivables, Inc
State: MD
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:
Bay Area Receivables is reporting false information to credit bureaus regarding a bill. XXXX seperate accounts XXXX balance is {$2500.00} and the other balance is XXXX. I have tried to resolve the issue but Bay Area Receivables area refuses to acknowledge those bills are not in my name. XXXX XXXX XXXX XXXX requires that the information is accurate.

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 2021-05-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Transunion has been contacted several times to investigate an error on my credit report. I contacted Transunion directly on XX/XX/XXXX and a representative stated he was opening another dispute of the company XXXX representing XXXX. My complaint is the amount owed to XXXX is incorrect and I have requested the documentation from the date I came to the store showing I purchased my XXXX from the company and showing how XXXX came up with the {$900.00} amount. I disputed using XXXX XXXX on XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX and XX/XX/XXXX. Each time, the dispute is listed as valid, however, no documentation is provided to me to review. Therefore, the company is unable to prove the {$900.00} debt and I am requesting it is removed from my Transunion credit report.

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 2023-09-01
Company: PNC Bank N.A.
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
XX/XX/XXXX I fell victim of a scam that my banking institution is very aware of as I was told they get numerous calls a day about this scam that's going on. The scam is that there are people posing as loan companies or loan officers that convincingly get you to give your login information. Once they have it they start disputing transactions without you having knowledge off it and getting the credits somehow. Even though it's the customers account the customer isn't receiving these credits the scammers are. The customers are unaware that there are transactions being disputed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-04
Company: TCF NATIONAL BANK
State: MI
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:
My family moved from XXXX to XXXX XXXX Michigan and there was no TCF Bank / XXXX XXXX  in the town we moved to. We did a change of address because we still had a couple bank accounts open with TCF Bank / XXXX XXXX. They changed all of our accounts over however missed one. Somehow XXXX put some unauthorized charges through our account causing overdrafts and a negative balance. TCF Bank sent notices to our old address and there was no one living at that address so the mail did not get forwarded. By the time we knew about the account being negative TCF Bank had sent it to collections within a month. TCF Bank / XXXX XXXX never called us or anything, instead their rude obnoxious collections company was the first we heard of a {$260.00} negative balance. I called customer service and could have paid them right away, however they told me there was nothing they could do. They told me I could go through the collections company or I could go right to the bank branch and take care of it. Over our holiday break on XX/XX/XXXX, we drove 220 miles to  the closest TCF Bank / XXXX XXXX. We paid the balance and got a receipt. The employees at the branch treated us very well, they were very nice at the branch level. Two weeks later, on XX/XX/XXXX we received notification that the " unpaid '' balance had been put on both myself and my wife 's credit! I called the branch and they said they would take care of it right away and for some reason our payment had not been applied. About a week later we were still getting calls about this unpaid balance from the rude obnoxious collections company. I called the branch again and they said it has been taken care of however it is still on our credit! See also my complaint on XX/XX/XXXX # XXXX to the CFPB regarding TCF Bank / XXXX XXXX. Maybe they are just incompetent when it comes to customer service at their main office, maybe it's coincidence, maybe they are targeting me and my family. My wife is XXXX  and this is all very stressful! TCF Bank soon to be TCF Bank / XXXX XXXX  has horrible customer service, deceptive bank products and gouges their customers with high unnecessary fees. I want this taken off me and my wife 's credit or we are considering talking to a lawyer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: GOLDMAN SACHS BANK USA
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: Overcharged for something you did purchase with the card

Complaint:
On XX/XX/XXXX I made a purchase with my Apple Card from a company called XXXX in the amount of {$39.00}. A few days later I noticed three separate charges in the amount of {$5100.00} each had posted to my account with a name of XXXX XXXX. I immediately started a chat with Apple to dispute these charges as I did not recognize the name XXXX and also most certainly did not make any transactions in the amount of {$5100.00}. After the chat they took the charges off, stating that it would take up to 90 days for the dispute to resolve. Then, On XX/XX/XXXX the three seperate charges for {$5100.00} were then charged back to my card. So again, I immediately started a chat with Apple to dispute these charges again. But this time, they said that the merchant sent them 'proof ' that I made these transactions. They also provided me with an address and phone number, and suggested I call the merchant myself. That sounded absurd to me to call someone who fraudulently charged my card... isn't this the investigation team 's job at Goldman Sachs?! Apple said they would email me the 'proof ' ( which they still have not done ), and would put this under investigation for another 90 days. But now, I am unable to use {$15000.00} on my credit limit because it's frozen due to this dispute. I am unable to speak with the dispute department, nor able to speak to any sort of supervisor or manager. I was told that XXXX XXXX does not speak to consumers directly, nor does the people that do the actual investigation. 

After I got off the phone with Apple on XX/XX/XXXX, I did some XXXX on with the information they provided to me on the merchant XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I found out that it was XXXX. I immediately called in, and was instructed to start a chat and provide my proof of purchase with XXXX in the amount of {$39.00} back on XX/XX/XXXX to Apple. Which I did by providing a screenshot of my purchase. To this date ( XX/XX/XXXX ) I still have not heard back from Apple, nor received the alleged proof that they received from the merchant. 

Since then, I have made 5 calls to XXXX, and sent 3 email messages to multiple people in their company, and nobody has returned a call or any message. I have no idea what to do from here.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29
Company: The CMI Group, 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:
I recently got a copy of my credit report and I noticed some errors on them. There are collections accounts that does not belong to me. I tried contacting the collection agencies and the credit bureau ( all three ), and has them to send me copies of any documents bearing my signature. They only verified them through e-Ocars and NOT a physical person according to the FCAR 609 ( e ) Please your assistance is needed to correct this matter.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-23
Company: Convergent Resources, Inc.
State: PR
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I switched carriers since XXXX was not capable and did not had the resources to provide services to XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX requested the final statement, yet. the company instead sent the balance to a collection agency which contacted me since before XXXX XXXX in violation of the Fair Debt Collection Practices Act. The company did not sent a final billing statement for charges, in violation of the XXXX XXXX Billing Act, and the debt collection agency never identified as such and made threats. The account was not even 30 days pending, the account was never refused to be paid, and was not paid on the moment of transferring the lines because the company was not capable of reproducing a billing statement. 

I am asking the agency to assume jurisdiction and apply all punishable measures by law to the company and its debt collection agencies.

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 2022-06-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/22 I received a paper check from XXXX XXXX XXXX. This was my first payroll check from this employer. I deposited the check in the amount of {$2100.00} at the Bank of America ATM on XXXX XXXX XXXX, XXXX, FL. I had to verify on the screen the amount was correct. When the receipt printed the amount was {$110.00}. Immediately I called Bank of America at the number on the ATM. It took several attempts to get to speak to anyone. I gave the information to the person on the phone. She advised me that she would be a dispute in the system. Because it was a Saturday I she said there was nothing further that could be done. She advised it would be 10-14 days before I could access the funds. I advised her that was not acceptable. FDIC requires my funds to be accessible. It would not take 10 days. I requested the check be returned. I have the stub to verify the amount of the check. She then flagged the check as fraud. Bank of America needed time to investigate the amount of the check. I request the check returned as I could not wait to access those funds. On Tuesday XXXXI entered the Bank of America Branch at the same location. The associate told me only the Branch Manager could help me fill an official complaint but was not available. I return an hour later and was told the Manager still had not arrived. On Wednesday XX/XX/22 I again called Bank of America and was given the explanation by XXXX ( XXXX ) that information on the check could not be verified and the check had been destroyed. I requested a supervisor to file a complaint. I waited an addition 30 minutes for XXXX ( XXXX ) who informed me that he had research the original claim and that XXXX XXXX was holding the funds. He also stated the funds would be XX/XX/22 at XXXX. He advised me to call XXXX to obtain an electronic transfer of funds. I called XXXX XXXX XXXX and was informed the problem was with Bank of America. The funds for the check had been allocated. I feel so betrayed. My rent check was returned. I am in fear that I will be evicted. I have had this checking account for 25 years. I want my fund released immediately. They have flagged my account for their convenience. There is nothing fraudulent about the check. My automatic deposit starts on XX/XX/22. I am also filling a complaint with the Office of Comptroller of the Currency and Federal Deposit Insurance Corporation Office of Inspector General. I believe this is a business practiced to avoid compliance with Federal Deposit Insurance Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/XXXX I went to get gas from the XXXX station at XXXX XXXX XXXX XXXX, PA XXXX. At the station there was an individual that asked to pump my gas and would not leave me alone when I said no. I put {$20.00} worth of gas in the tank of my XXXX XXXX XXXX, the only car I own, replaced the pump and left the station. 

The evening of XX/XX/XXXX, I noticed a charge of {$170.00} on my Bank of America credit card account. Suspecting that the individual somehow used my card details to steal {$150.00} worth of gas, I called Bank of America to report the fraud. I was told that the charge was likely just a hold placed by the gas station and I could not file a claim until it posted. When it later posted, I called back and filed my claim on XX/XX/XXXX ( initial letter from BoA attached ). 

I subsequently filed an official report with the XXXX police department reporting the fraud on XX/XX/XXXX ( document attached ). 

I received no further contact from Bank of America, until I received a charge for the full {$170.00} that was fraudulently charged to my account on XX/XX/XXXX. I did not receive any explanation at all until I received a " Resolution Letter '' on XX/XX/XXXX. The only explanation for this was that the chip of my credit card was read at the gas station, which was never in dispute and was reported to the bank at the start of the dispute process ( document attached ). 

My vehicle can not even physically hold that amount of fuel, I do not own any other automobiles or other gas powered vehicles. I did not authorize any other person to utilize my card to make additional purchases past the initial {$20.00} amount. There is no history of myself ever making a gas purchase of anywhere near that amount on any account I own, including the account in question. 

Due to the failure of either the merchant or bank to prevent this fraud from occurring, I should not be responsible for the extra charges.

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 2022-06-16
Company: EQUIFAX, INC.
State: VA
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:
XXXX XXXX XXXX XXXX XXXX  # XXXX XXXX, XXXX XXXX Equifax is in violation under Consumer Credit Reporting act 15 U.S.C 1681 section 602 A. States I have a right of privacy 15 U.S.C 1681 Section 604 2 it all states a consumer reporting agency can not furnish a account without my written instruction this is th 3rd attempt I disputed please honor my right, and remove this from my credit file

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
XXXX XXXX XXXX XXXX XXXX  # XXXX XXXX, Transunion XXXX XXXX XXXX in violation under Consumer Credit Reporting act 15 U.S.C 1681 section 602 A. States I have a right of privacy 15 U.S.C 1681 Section 604 2 it all states a consumer reporting agency can not furnish a account without my written instruction this is th 3rd attempt I disputed please honor my right, and remove this from my credit file

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 2021-05-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
To who it may concern I would like to report several violations against me. There are some errors and its been over 60 days and I haven't heard anything back. I also sent another letter and have not heard anything. I sent all the letters certified mail and have the delivery receipts to prove that they received my letters this is a violation under 15 U.S.C. 1692g. I demand the violations be addressed and deleted from my credit reports.

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 2019-07-07
Company: Freedom Mortgage Company
State: AR
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 disputed the 30 day delinquent reporting when I learned of it by applying for a loan on XX/XX/18. 
I submitted a written letter to Freedom Mortgage Company and requested to investigate my complaint and to remove the 30 day delinquency notice because the payment was made to their company on time. 
I am writing to request assistance in having a 30 day delinquent entry removed from my credit report from all 3 credit bureaus. 

The correction of the error being sought is described below in regard to the mortgage on my property. 

A 30 day delinquent entry on my credit report by Freedom Mortgage Company because of an escrow shortage ; which is only a proposed or projected change. Its was not an actual payment that made that the company made and needed to recouped. Further, the proposed or projected escrow change was paid in full once Freedom Mortgage Company was contacted. 

Payment application errors : Freedom Mortgage Company rejected the full payment I made in XX/XX/2018 in the amount of {$1200.00}. It was not applied to the loan or returned to me. Why was it not returned to me if it was short within a timely fashion to avoid it being 30 days late? Freedom Mortgage Company should not be unjustly enriched by unapplied funds sitting in their account that was intended to be applied to subject mortgage loan. 
Freedom Mortgage Company did not properly credit the payment received on XXXX XX/XX/2018 in the amount of {$1200.00}. Said payment should have been credited to : Freedom Mortgage Company Loan #. 
Freedom Mortgage Company credited the XX/XX/2018 payment on XX/XX/2018 ; which resulted in a 30 day delinquency notice being placed on my credit report and a significant drop in my credit score. 
The payment should have been applied on the day it was received in accordance with 12 CFR 1026.36 ( c ) ( 1 ). 
Freedom Mortgage Company should be required to remove the delinquent entry. It is harsh, detrimental and unjust. 
Mortgage Companies should be required to notify consumers via certified mail, phone or fax if unapplied funds are being held because of the adverse impact it has on a consumers credit worthiness, standing and capacity.

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