BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-10
Company: LD Holdings Group, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My husband and I applied for a loan with LoanDepot, Loan Officer, XXXX XXXX. Before we went to closing, my husband and I told Mr. XXXX that we intended to pay the entire mortgage from the sale of our home in XXXX XXXX. Mr. XXXX requested that we pay the first month payment. He said we will receive a payment book. We never received a payment book. The closing date was XX/XX/XXXX. My husband called Loan Depot on XX/XX/XXXX, to ask what our mortgage payoff amount was. The response was {$210000.00}. My husband did pay the first months mortgage payment, at the request of Mr. XXXX. 
I called Mr. XXXX asking why we had to pay the first mortgage payment, due to the fact that every day, we were accumulating interest. The {$210000.00} is the amount we expected to pay. Due to the fact that Mr. XXXX asked us to pay the first months mortgage, so that he will be recognized as well as receiving his money as Loan Officer. Meanwhile, accumulating every day was interest. As of XX/XX/, we received a payoff amount of {$210000.00}. 
My husband called LoanDepot, spoke to XXXX on XX/XX/, that the amount owed was {$210.00}. 
We paid off the mortgage on XX/XX/2021 in the amount of {$210000.00}. That was the amount that was indicated. The mortgage amount we thought we were going to pay was {$210000.00}, if we were to pay off immediately. 
My husband and I were manipulated by Mr. XXXX to pay the first months mortgage. 
My husband and I believe that we should be receiving {$1200.00}. 
To date, We have not received any money. 
We did receive a Letter from LoanDepot, dated XXXX XXXX, XX/XX/XXXX. This letter is to acknowledge that our loan has been paid in full. However, till this date, have not received anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
Equifax, XXXX  and XXXX  have constantly abused their assumed position of being consumer reporting agencies. The misuse and unauthorized reporting, validating debt and other actions without my consent is noted according to Congress Law in the attached letters that I've previously sent via certified mail. These " credit bureaus " are not operating with in the boundaries of FCRA and FDCPA

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03
Company: EQUIFAX, INC.
State: TX
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 sent a letter on XX/XX/XXXX, to remove the following items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days after I sent the last letter last XX/XX/XXXX. Ive already included this in my previous Complaint # & I am including it again. 
XXXXXXXX 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 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

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-17
Company: EQUIFAX, INC.
State: NV
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 was shocked when I reviewed my credit report and found late payments on the dates below : Account Name : US DEPT ED Account Number : XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
After my initial complaint XXXX investigated and deemed the accounts was not mines. Their decision was by far correct, and in accordance with the FCRA all criteria was met. However, after many attempts Transunion did just the opposite and today them same accounts remains on my report. The following closed dated accounts are XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/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 2019-06-16
Company: PNC Bank N.A.
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I purchased some merchandise off of XXXX on XX/XX/XXXX and the seller requested that I send the money through XXXX. I sent the XXXX and after the funds were sent I heard little from the seller and they eventually ended up blocking me and and I have no contact to the seller. I issued a dispute and there was no solution I end up losing my money and my bank said they could not do anything more regarding the situation. They told me I would have to directly go through XXXX  to resolve the matter XXXX does not have a phone number they can be reached at and the email support is not reliable

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22
Company: Paypal Holdings, Inc
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I contacted a gentleman about buying his concert tickets to the XXXX and XXXX XXXX XXXX concert at XXXX XXXX XXXX in XXXX, Maryland. We agreed upon {$20.00} for the tickets and using Paypal as our transfer method. When I sent the confirmation to the gentleman ( XXXX XXXX XXXX ), he blocked me and I did not receive my concert tickets.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-10
Company: SYNCHRONY FINANCIAL
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Hi, Credit card company ; Walmart. Made a purchase on XX/XX/19. Received bill on XX/XX/19. Credit card bill due on XX/XX/19. Shouldn't there be more time for me to pay this bill? I read something about 21 days from receiving the bill untill due date. This is not the case. This is not the first time Walmart has done this. This is why I'am filing a complaint.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX, the IRS alerted me that they have deposited to my Wells Fargo checking account my {$1200.00} stimulus Direct Payment from the CARES Act. 
To this day ( XX/XX/XXXX ), I have yet to see my bank credit that amount to my account. 
After several phone calls to both the IRS and Wells Fargo and no resolution, I contacted US Congressman XXXX XXXX who agreed to call the Treasury and get an update on my behalf. The Congressman sent me a letter that indeed the IRS did send the {$1200.00} to my Wells Fargo checking account, yet my bank statement does not reflect such transaction. 
I sent so many emails to Wells Fargo and made many phone calls to them, asking them to help me find out what happened to my missing money from the IRS, and all I got is the biggest run-around ever, promising a call-back with a resolution, and no such resolution was delivered to me so far ( more than 1 year after the {$1200.00} was supposed to have been deposited ). 
I have 2 case numbers from Wells Fargo ( case number : XXXX - and Wells Fargo case number : XXXX from Wells Fargo Case Specialist XXXX XXXX ), but every time I reached out to them for an update on my missing stimulus direct payment, they keep referring me to the IRS. It's like they really don't care and wish I will just forget about it. 
I have been heavily impacted by Covid, and I am undergoing a lot of health and financial hardships, but Wells Fargo has so far completely ignored my pleas and mental anguish. 
Wells Fargo have been involved in scamming their clients in the past, and I am sad to say that they are again using the pandemic crisis to scam vulnerable impacted customers of their stimulus payments. It's unfair and I am praying for oversight. They are not above the law!! If any regular citizen is caught stealing {$300.00}, they get charged with felony theft and face serious consequences. Wells Fargo should not be allowed to steal from long-term " valuable customers '' in our darkest hours! 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 non-monetary relief
Consumer complaint received 2023-07-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
I banked with Bank of America and they over charged me regularly with overdraft fees and I want part of that settlement. I banked with them for years.

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 2022-12-03
Company: Experian Information Solutions 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:
I ordered a copy of my report in smartcredit and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, XXXX, Experian and XXXX has not answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. Please check the payment history, date open, last activity, and Status of the accounts listed below. I believe it was reported in error. 
XXXX XXXX XXXXXXXX Balance Owed : {$660.00} ; XXXX  XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$350000.00}

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 2018-09-05
Company: World Acceptance Corporation
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
an unauthorized payment was deducted from my account without my permission or acknowledgement, this caused additional overdraft fees on my checking account. there was no post dated payment set up or permission to process on that date amount was XXXX there was no contact from world finance or indication that payment would be processed ..there was no info on loan docs that they could submit transactions at will

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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:
Capital One After receiving the attached document on XX/XX/2021. Capital One decided to close my account and I did not request for Capital One to close my account On XXXX XXXX stating that it was based on business concerns that did not relate to my credit worthiness. When on XX/XX/2021 at XXXX and XXXX on a recorded line from 3 reps. one specifically by the name of XXXX, and The Fraud account manager Supervisor XXXX stated that my account was closed due to excessive account returns.Which indeed in not a fact. Another rep. then stated the account was closed due to account usage with no further details. Then finally the final rep then stated it was due to inconsistent activity. which once again is not a fact. To then send me a letter via email stating it was based on business concerns that did not relate to my credit worthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2018-09-05
Company: BANK OF THE WEST
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I transferred money from my IRA to my checking account both at Bank of the West. BoW failed to transfer the funds and wrongfully dishonored three checks. B o W did reverse fees but refused to compensate me for costs incurred and damages suffered.

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 2018-07-30
Company: Freedom Mortgage Company
State: VA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/18, it was noted that our account had an escrow surplus. I initially reached out to the company on XX/XX/2018 to inquire what kind of steps we needed to get this check. They stated it should have been in the mail and that we needed to wait. I reached out again on XX/XX/18 because we had not received the payment, so they offered to send out another check, but it would take at least 10 business days for this to occur. According to the account, they sent another check on XX/XX/18. We received the check on XX/XX/18. I deposited it on XX/XX/18. 2 days later on XX/XX/18, it was noted that the check was returned by my banking institution. I reached out to freedom mortgage and spoke with a supervisor and was told that they could not resolve this issue at that time and that it would take time to get to the root cause of why the check was not able to be processed. I called my bank to inquire what the reason for the return was, they stated there was a stop payment placed on the check. I called back to Freedom mortgage to relay this information and asked to speak to the supervisor again, and he was conveniently unavailable, but they made a note of this discovery, along with the check number on my 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 explanation
Consumer complaint received 2023-04-27
Company: Experian Information Solutions Inc.
State: IN
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 request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please delete the following fraudulent items : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance XXXX XXXX {$0.00} ; XXXX XXXX  XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$1000.00} ; XXXX XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXXXXXX Balance Owed XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$1000.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$1100.00} ; XXXX XXXX XXXX  Balance Owed : {$0.00} ; 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, MO XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$1000.00} ; XXXX XXXX XXXX Balance Owed : {$1100.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; 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

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 2019-06-16
Company: RentDebt Automated Collections, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Rentdebt Automated Collection has place a inquiry of {$2800.00} on my credit report from previous apartment rental. 
My leasing agreement was fulfilled and I was allowed to stay a additional two more weeks until my new residence was available. I paid the pro-rated daily amount that I used and stayed till the end of my entire lease never missing a payment. A letter not to renew was provided to the leasing agent. 
A few months later I received a enormous balance due of {$2800.00}. 
Spoke to the rental leasing office the gentlemen there said he was able to remove some of the bogus charges that the manager at the time place on my account but that was the best he could do. 
This is not acceptable as to they had no real grounds to charge me these fees and were placed on there without any accuracy. 
In addition the apartment was rented immediately after I moved so no funds were lost from the company from my vacated the property. 
Please remove this inaccurate information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am writing to dispute the following information that your Transunion is reporting. I have circled the items I dispute on the attached copy of my credit report ( s ). 
This item XXXX for {$2000.00} is inaccurate because the debt has been paid in full because my XXXX has been approved for discharge of XXXX  loans. I have tried disputing this matter online with Transunion and each time they have responded with " your account is valid ). I have reached out to XXXX directly and they have also agreed with me in saying the account is {$0.00} and Transunion should close the account. I even tried reaching out to the company XXXX supplying the account as open and the 800 phone is invalid.

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 2023-08-10
Company: JPMORGAN CHASE & CO.
State: DE
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: Card was charged for something you did not purchase with the card

Complaint:
Chase is not responsive to my report of fraud on my account. They are telling me the fraud I have reported on my card is not fraud - when it clearly is. 

They are then telling me that I have this long manual process to get the charge cleared from my account. I was told I need to reach out to the vendor who charged the card as fraud, who does not have a customer service number & who charged the card without permission, I expect chase to resolve this issue & not place the onus of fraud onto its customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-17
Company: Experian Information Solutions Inc.
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: Their investigation did not fix an error on your report

Complaint:
The accounts do not reflect their accurate status..Derogatory accusations must be Metro 2 Compliant to retain or report so delete any not physically with proof of permissible purpose from the exactly and legally identified me..I do not authorize you or anyone to report not proven compliant information and you must comply.. 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