BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-04
Company: United Shore Financial Services, LLC
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/2021 - UWM ( United Wholesale Mortgage ) accessed my two checking accounts for 14 unauthorized transactions. My XXXX XXXX XXXX account they took out {$300.00} seven times, and put back {$300.00} seven times causing overdraft fees. On the same day to my XXXX XXXX XXXX account they took out {$1000.00} seven times and put back {$1000.00} seven times. Both of these cause my banking accounts to be flagged as a risk. All unauthorized transactions. 
On XX/XX/2021 illegally accessed my XXXX XXXX account again pulling out my rent of {$1100.00} and then pulled out my rent again on XX/XX/2021 for the exact same amount of {$1100.00} duplicating my rent payment. 
UWM website states that they were having payment issues for many customers and it would be resolved by Monday XX/XX/2021. Funds were not returned. I called and they have not resolved the issue stating they needed my banks verification to reverse the charge. Multiple overdraft fees have been incurred. My bank has referred me to the banks collections department despite a three way call that was meant to verify the funds had been debited that would have fixed this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-18
Company: TRANSWORLD SYSTEMS INC
State: KS
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Paid off the debt because it was affecting my credit score.  But the company has refuse to remove the collection debt from my credit score. I have called them several times but they refuse to remove it from collection even tho I already paid them. The company is transworld systems inc. I paid the debt collection so my credit score would improve. But they refuse to remove the collection. And it's still affecting me allot.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
My name is XXXX 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.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-21
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XXXX XX/XX/2019 I wrote a check to a person that holds an account with Wells Fargo for the amount of {$4000.00} which, for whatever reason, he decided he wanted a different amount when he went to cash that check. The teller at the branch located at XXXX XXXX XXXX XXXX in XXXX XXXX, Texas gave the check back to the account holder who subsequently returned it to me for me to destroy, which I did. Later that day I found out that Wells Fargo erroneously cashed the check and deposited the money into the account holder 's account. Wells Fargo immediately reversed the transaction and took the money out of the account holder 's account. On XXXX XX/XX/ 2019 I visited the branch with the account holder to ascertain how Wells Fargo would return the {$4000.00} to me. XXXX XXXX instructed both myself and the account holder that within 24 hours I should see the money in my XXXX XXXX checking account. That was on XXXX XX/XX/2019 and I still have not seen that money. After numerous complaints to the CFPB I was instructed to provide Wells Fargo with instructions on how to get the money into my account, which I have. I was also instructed to file a claim with my bank to have the transaction reversed. My bank has informed me they have filed the claim but have not heard back from Wells Fargo regarding the transaction. XXXX XXXX at the branch has instructed the account holder that the money is no longer with Wells Fargo, which is a lie as the money is not in his account and is not with XXXX XXXX or in my account. Wells Fargo is holding onto the money and refusing to return it to its rightful owner.

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 2020-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
i am a victim on ID theft, there are som inquiries on my report that I didn't allow

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 2019-10-23
Company: PNC Bank N.A.
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
Our complaint is with PNC home mortgage loan department, specifically with XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX based out of IL and possibly Michigan from the phone numbers. We were referred to work with XXXX XXXX through our local PNC branch on XXXX of 2019. Initially everything was going smoothly and our credit report was ran and we received a preliminary pre approval, then wanted to get a final approval so that we could start looking for a home in a decent price range and were left with no answers from the senior loan office XXXX XXXX. We left messages sent emails with no response and it wasnt until we were able to connect with our local branch and speak with an employee there who the reached out to her supervisor and magically got a hold of XXXX XXXX. Upon speaking with XXXX XXXX we were told we could begin searching for our home and could use our preliminary pre approval to do so. We found a home rather quickly which then began the nightmare of working with this individual and everyone who we were told to contact for assistance and loan processing. We put in an offer on the home and it was accepted the same day and were told by XXXX XXXX that everything was good to go for a closing date of XX/XX/XXXX and even receive paperwork with this date so adjust our work schedules accordingly. Upon the acceptance of our offer and moving forward it has been nothing but XXXX. We receive emails for the request of further information needed and we left hanging with no phone calls from the lender to discuss this and when we call and leave multiple messages to the point where mailboxes are full, no calls are returned. When a call is returned it is always that more information is needed or that a mistake was made on the lenders end so we need to move the closing date out further. XXXX XXXX is the manager for XXXX XXXX, also never returns calls or emails, but XXXX admitted that a XXXX dropped the ball at one point in the process and it delayed things. Then XXXX admitted hat she submitted the wrong employment dates to the IRS and this is causing another delay. This individual has made this experience of home buying a toto also nightmare and disaster. Our realtor has reached out several time to our lender and left several messages with responses that are truly unexplainable from XXXX XXXX. Since every call is recorded I would love for someone to investigate what exactly is going on with our mortgage loan because this is unheard of. I have emails Ive send to everyone who is working on this loan and no reply. Purchasing a home should no be more than 30 days, when investigates you will find that this process has gone on for well over that and we still have yet to receive a final answer and are expecting our XXXX child in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
reporting company claims without contacting me first which is a violation showing late payments having negative items on my report these are all violation by these credit reporting agency ... .i wrote an d send in declaration showing and telling these company that they in violation but they keep doing the same thing ....

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-29
Company: GOLDMAN SACHS BANK USA
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
In early XXXX of XXXX, found some one use my name to open Apple Card at Goldman Sachs back to XXXX. Reported ID theft follow the persons with my call suggestion from Goldman Sachs. ( See below attachment. ) The balance shouldn't my responsibility Back due to i never open the account. 
Had 4 or 5 phone call with them already and no progress to solve the problem. Continue receive email weekly like attached document to let me to pay the balance. 
1. It is not my responsibility to pay it due to i never open it 2 don't know how to pay it either.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-27
Company: NCB Management Services Inc.
State: DE
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
COMPLAINT ID XXXX SUBMITTED ON XX/XX/2021 PRODUCT Debt collection ISSUE Attempts to collect debt not owed

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Can not access Transunion reports, file a freeze, or use any of online tools they offer. Have called multiple times been transfered back and forth. Some tell me I have multiple files some tell me there is nothing wrong. I am getting no where with them

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 2018-12-28
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I own a small business : In XXXX my friend and I purchased a commercial 4 bay garage. I needed this space to store inventory for my business. My friend wanted space to store a classic car. We had problems finding insurance for this property because it was listed as commercial but we did not have business hours at this location. I reached an agreement with my business insurance agent to insure this property as part of my business policy. 

In XX/XX/XXXX my wife and I signed a purchase agreement for a house in Florida. I applied for a mortgage from Citizens bank. My wife banks at a credit union and I have my personal and business checking accounts at Citizens. My wife and I also have our 401K accounts at Citizens. 

I wanted to close my 401K account and use this money for a down payment on the Florida house. Citizens could not transfer this money between my 401K and my checking account so I was issued a check that I deposited into my checking account. 

Citizens would not approve my mortgage request based on the following : I could not prove the large deposit in my checking account. I deposited a Citizens check into a Citizens checking account. 
The underwriter was using my garage against me. I was sent a document that had the following questions. 
Did I own this property free and clear? Answer : I own the building with XXXX XXXX. 
How was this building insured? The Loan officer was calling my insurance agent. My agent refused to talk to the loan officer. 
Are the condo fees paid for on this building? Answer : There is not a condo association for this garage. 

This underwriting department is fixating on a garage that is being used as a storage locker and is paid for. The taxes are current and the property is insured. 

The underwriter also wants evidence that I lived at an address on XXXX XXXX in XXXX, PA. Answer : I have never lived in XXXX . XXXX XXXX lives on XXXX XXXX. 

Underwriter is looking into a credit inquire from XXXX. Underwriter needs a billing statement from XXXX. Answer : I changed cell phone companies in XX/XX/XXXX. XXXX has me enrolled in auto pay. My bill is automatically charged to my credit card each month and I do not receive a bill from XXXX. 

The underwriter wants a signed lease for the Florida property between me and the tenant. WHAT LEASE? WHAT TENANT? 

These four issues are keeping me from getting a mortgage that I have a 40 % down payment for. This bank has me backed into a corner. I am going to lose my {$5000.00} down payment. I have a $ XXXX annuity that I purchased through Citizens Bank. My wife has $ XXXX in her Citizens 401K and we have over 100K in cash to use for the down payment for a {$230000.00} purchase. 

I thought I was a great risk for the bank. The bank was a risk for me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-20
Company: Ocwen Financial Corporation
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Every month I sent in two money orders for some reason PHH Mortgage do not record but one money order they put the other total in suspense, I have proof of the money orders every month for some reason they do not count but one money order, this has been going on for years, they put me in foreclosure two years ago because of the same thing they're doing, every month they say that I am missing one money order. The money orders goes to suspension they will not pull it down though it is the total of my monthly payment I need help thank you XXXXXXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23
Company: Lending Club Corp
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
We had some expected medical expenses which caused me to miss a payment in XXXX. I sent them an email letting them know I would make the payment XX/XX/19 ... in the last week from XX/XX/19 to XX/XX/19 they have called my cell phone over 20 times and I have talked directly to someone 3 times in the last 24 hours. The last young lady I spoke with I asked her why they were still calling me when I had already spoken to twice to them in the last 24 hours ... she told me that their Auto Dialer will continue to call me until the payment is posted and there was nothing they could do. I believe that is in violation of the FCC and CFPB regarding robo calls and the NPRM regarding debt collections. I have repeatedly explained that there was no way for me to make up the missed payment, and based on my previous good payment history I asked that the loan be re-written/re-financed or allow me to skip a payment. They stated that there was no way to do that and had no alternative to offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-06
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I'm submitting this complaint to notify the credit bureau AGAIN that I was a victim of identity theft. It appears that the credit agency is unconcerned by my desire to challenge unlawful things on my credit record. Because this is a clear breach of FCRA laws, I require that the items be removed from my file as soon as possible. 
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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: BCI FINANCIAL CORPORATION
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Wrong amount charged or received

Complaint:
The big picture is that I'm changing from XXXX XXXX to XXXX. XXXX did a correct wire transfer without any problems on XX/XX/2022. The amount was USD XXXX and arrived in my account at XXXX, My problem began when I told them that I was going to change to another bank, and they charged me a closed fee in both accounts ( brokerage and checking ) of XXXX each account also the regular last wire transfer of XXXX, they told me that a las advisory feed needed to be pay, So I paid all my the fees that they required. I gave them the go-to proceed to do the last wire transfer to XXXX, which amount was USD XXXX deducting all charges ; they filled up the form to transfer as usual the problem was that the money never arrived at destiny because of a wrong account number that XXXX XXXX assumes XXXX instead to use the correct form used on XX/XX/XXXX, XXXX the transfer to XXXX passed clean XXXX 
Now to do the transfer, they demand to pay USD XXXX for rejected wire transfer and XXXX the fee to send the last transfer to XXXX again. I have attached emails and documents that explain this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-28
Company: JPMORGAN CHASE & CO.
State: NY
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:
A new hard inquiry was made on my XXXX  account for a Chase card on XX/XX/2018. I did not authorize this. This is likely identity fraud as it is the second hard inquiry that I did not authorize in the past month on my credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-08
Company: NATIONS DIRECT MORTGAGE, LLC
State: LA
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 was on a deferment plan that was approved for XX/XX/XXXX to XX/XX/XXXX due to me not working due to COVID19. Somehow, Nations Direct Mortgage reported me late on XX/XX/XXXX. I have attached my mortgage statement for that time period.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-02
Company: Jim Bottin Enterprises, Inc
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX XXXX continues to contact me regarding a debt owed for a gym membership. I have contacted the gym and requested a call to discuss the membership. My calls have gone unreturned. XXXX XXXX robo-dials and does not make a representative available to speak with. I have tried speaking with someone to dispute the debt but have sat on hold for too long. This company calls at all times everyday. My original debt was {$7.00} but each month that it goes unresolved, they increase it by {$7.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-09
Company: EQUIFAX, INC.
State: NJ
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:
Hello, it has come to my knowledge that the information reporting on my credit is noncompliant according to the metro 2 compliance system which all credit bureaus must follow. Please remove all deficiencies and inaccurately reporting items according to metro 2 compliance. All information reporting should be CERTIFIED COMPLIANTLY REPORTED according to the mandated format!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-21
Company: EQUIFAX, INC.
State: CT
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:
On XX/XX/2019 I paid 2 collection agencies. I was told my credit report would be updated. My credit report at Equifax was never updated. I was told by XXXX XXXX XXXX I had to wait. I filed 4 complaints with the XXXX XXXX   XXXX against XXXX, XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX. As of XX/XX/XXXX there is no change to my Equifax Credit Report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI
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:
Recently applied for VA home loan and was told that I had some collection or derogatory marks which I did not recognize. I believe these accounts were opened fraudulently without my authorization. They are reporting as XXXX XXXX XXXX, 08 XXXX XXXX, 10 XXXX, 11 XXXX, XXXX  XXXX. None of which I have ever done business with. Please help me rectify this matter and get it resolved in a timely manner.

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