BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-01
Company: PNC Bank N.A.
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I bought a house in North Carolina last XXXX My escrow was set up to pay the insurance and the property tax. The closing agent sent out the check to the address on the invoice, and the money got deposited. However, the insurance company said they did not cash the check and asked me to re-pay the invoice. The closing agent submitted the claim last XXXX, but the bank investigation has not finished yet. I have attached the insurance company 's affidavit and the scanned cashed-out check. 

I tried to contact the bank, but the money was not under my name, so they refused to help. The money is mine, but I have no way to monitor it or know when they will refund me. 

Could you help to solve this problem?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
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: Investigation took more than 30 days

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, Florida XXXX SSN : SS # : XXXX DOB : Date of Birth : XX/XX/XXXX To Whom It May Concern, I am writing to dispute several items on my credit report that appear to be in violation of various laws and regulations. The following accounts and inquiries are of concern : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I would like to request that these items be investigated and corrected as necessary to bring my credit report into compliance with all applicable laws and regulations. I look forward to hearing from you regarding the status of this dispute. 

Sincerely, 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 2023-06-07
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

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 2023-06-07
Company: CMG MORTGAGE, INC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I pay my mortgage monthly online via XXXX XXXX XXXX. It arrives by the XXXX. My bill states that if my payment arrives after the XXXX of the month I will be assessed late fees. 
I confirmed with the bank all dates of delivery were by the XXXX th at the latest. 
I called CMG motrtgage and complained about the late fees being tacked on. They reversed them. 

I suspect I am not alone in being charged unnecessary fees by this mortgage lender, I suggest someone look intro the issue. 
I was kept on hold twice for 15 minutes while they supposedly fixed the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-09
Company: Freedom Mortgage Company
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
The first point of contact was with Loan originator XXXX XXXX on XX/XX/19and started a streamline loan, which the assumption it would take about 3 weeks to finish. On XX/XX/2019, through XX/XX/2019, I realized I was not going to close on time was told to pay  my mortgage and I did with late fees. Was sent a piece of information by email stating I was in the process of closing my loan but given several closing dates. The last person of contact was XXXX on XX/XX/19 with a scheduling date and time of XXXX XXXX ( XXXX ) XXXX in the scheduling department, spoke to XXXX in the Recovery closing team department ( XXXX ) XXXX, he never gave me a direct line to call just told me my closing disclosure forms would be in the email by the close of the day on XX/XX/19. Spoke to XXXX XXXX this same day and she told me XXXX was working on my file her number is ( XXXX ) XXXX. Received an email from XXXX XXXX and her phone rang stating she was at home all week ( XXXX ) XXXX never got a chance to speak with her at all. Have been given the run-around and getting frustrated due to the closing dateXX/XX/19. Need correct answers and documents before closing so there will be no surprises on the closing date.

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 2023-03-08
Company: Block, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
The victim, XXXX XXXX was blackmailed to send them money starting from XX/XX/XXXX until she realized that was a scam on XX/XX/XXXX. I was using this online service that does my school work for since I am an student and was struggling to pass the class because of the language barrier. The scammers were doing my work at first until I was asked to send money as " Deposit '' to clear the record of my school portal that they have accessed. They kept asking that the money was not enough to clear the record of my portal. I started sending money on XXXX and XXXX. XXXX stopped working so I went to the bank and did the wire transfer. Here are the dates and the amount I sent XXXX : XXXX {$250.00}, XXXX {$100.00}, {$600.00}, {$500.00}, XXXX {$200.00}, XXXX {$400.00}, XXXX {$200.00}, {$900.00}, {$250.00}, XXXX {$600.00}, {$510.00}, {$80.00}, XXXX {$1100.00}, {$1200.00}, XXXX {$1400.00}, XXXX {$1800.00}, {$100.00}. total : {$10000.00} Transferring money : XXXX {$1000.00}, XXXX {$400.00}, XXXX {$600.00}, XXXX {$1400.00}, XXXX {$4000.00}, XXXX {$5600.00}, XXXX {$8600.00}, XXXX {$4000.00}, XXXX {$6800.00}. Total {$32000.00} There are about {$4000.00} more that she sent through cash app. XXXX {$500.00}, {$250.00}, XXXX XXXX $ XXXX {$100.00} XX/XX/28 {$300.00}, {$300.00} During this time, i would get 100+ of phone calls day and night and was told that if i dont send money they will report it to school and make kicked out. I asked for my friend help on Saturday night and found out that this was a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22
Company: Upstart Holdings, Inc.
State: KS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
On XXXX XXXX, 2021 I mailed a letter to the company disputing this account. I gave them 30 days and checked my credit report and no dispute comment had been added. On XXXX XXXX, 2021 I sent a second letter to the company about the dispute. I never received a reply, and once again after 30 days a dispute comment was not added on my credit report. On XX/XX/2021 I sent letters to XXXX XXXX, and XXXX regarding this dispute. I did not receive any replies and once again after 30 days the account did not have a dispute comment added. On XX/XX/2021 I sent a second letter to the 3 credit bureaus regarding the dispute. Once again, after 30 days, no dispute comment was added to my credit reports. The company has violated the Fair Credit Reporting Act, section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Act Section 807 ( 8 ) by not placing a " notice of dispute '' disclosure on my credit reports within the required 30-day period. This company also never provided me with copies of any documentation bearing my written signature in response to my dispute.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-10
Company: Ad Astra Recovery Services Inc
State: AZ
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Received a loan you didn't apply for

Complaint:
I have received over the last 12-16 months a company named XXXX XXXX trying to collect a debt. The debt recovery company is Ad astra debt recovery services. I did not realize that several hundreds of dollars was coming out of my bank account and this was a while back. I am trying to locate the information with the account number and other information important to this case. I have been a victim in two ways. 

First, I had a debt collector trying to tell me I need to pay a loan which was not mine. 

Second, is that I am a victim of financial fraud because some one used my identity as XXXX XXXX and stole money from my credit union account in XXXX County California.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-24
Company: CCF Intermediate Holdings LLC
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX Loan amount XXXX wheres all these extra charges coming from. I tried calling and the representative responded the system may be glitching and nothing more was said.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
This is not a duplicate complaint. I informed chase bank that my delay in notifying them was due to extenuating circumstances and they did not extend the time as pursuant to 12 CFR Part 1005.6 ( b ) ( 4 ). In the attached letter from chase bank, you will see that they refer to the 60 day period which means they are aware of 12 CFR part 1005.6 ( b ) ( 4 ) and chose to ignore it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-07
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Tried to open new checking and savings. Was denied and the referenced the security freeze I have with Experian and that I needed to lift it first. 

First of all, I have an alert, not a freeze. They didn't even understand the basic terminology and the ALERT is there for good reason. I'm not changing that ALERT. Most companies ask security questions from my credit report and go from there. These people were unprofessional and intended on ESCALATING the situation further when I was already clearly upset.

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 2017-12-21
Company: HONOR FINANCE, LLC
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: Investigation took more than 30 days

Complaint:
The issue I present before you for review and subsequently action is this : 1. I am attempting to apply for a mortgage for a home and when my credit report was requested by XXXX XXXX XXXX XXXX XXXX the report was incomplete from only 1 Credit Reporting Agency and that is XXXX XXXX. The XXXX XXXX report has NO information regarding my auto loan on which I have been paying, out of my personal ( singular ) checking account for over 6 months. The other 2 Credit Reporting Agencies have the information just as it is shared with all agencies. All 3 agencies receive the information associated with my social security number ending in XXXX and the information regarding my co-owner on the note, XXXX XXXX XXXX ( my spouse ) and his social security number ending in XXXX, however XXXX XXXX seems to have difficulty making the connection between all the variables. Variables : A. My name on my drivers license, when I applied for the loan was XXXX XXXX XXXX but on my social security card was XXXX XXXX XXXX. Variable B. I am the co-owner of this loan with my husband XXXX XXXX Varable C. The finance company, Honor Finance, reports both XXXX XXXX and XXXX XXXX as making the payments on this loan on time and without lapse. 
2. I have attempted to correct this oversight and have spoken to various representatives of XXXX XXXX, including those in a supervisory role, but have not been able to correct the error they are making in their reporting. I have Faxed ( XXXX17 ) documentation explaining the issue and still nothing gets accomplished. I have been told on every single call " the issue is the name they are reporting and the social security number do n't match and that is the relevant issue and I ( representative ) will correct the record and the error will correct itself. '' Thais statement is incorrect!!!!! 
3. I believe the customer service associated with this company is so sub-par and the representatives have NO desire to actually correct the mistakes. I am quite confident, that had these reports, associated with my social security number, been derogatory in nature, there would be NO hesitation as to how they would adversely impact my report. 
I would like to enlist your assistance to address and correct this issue as I am sure I am not the only consumer who has had to deal with such atrocities! Thank you - XXXX XXXX. ( formally-XXXX ) XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Florida XXXX XXXX E-Mail : XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-18
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I don't know why Chase just lock my account and I can not use my app on Friday XX/XX/2023. I called them and they just unlock my account without telling my anything. Today, XX/XX/2023 I want to transfer my money to a friend and it's been auto cancelled and I called them again they just told me my account is locked forever and I can not transfer or withdraw any money of my account. Still they didn't tell me the reason and I don't know why and I have no money to live at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-07
Company: HOVG, LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have contacted XXXX XXXX credit regarding accounts XXXX IN THE AMOUNT OF {$2000.00}, XXXX IN THE AMOUNT OF {$920.00} and XXXX IN THE AMOUNT OF {$2000.00} on 4 different occasions thru certified mail asking to verify that I owe their company any funds and for what. Ive also ask for anything bearing my signature that verifies I have obligations to pay them or have had any business dealings with them. Yet they have failed to validate according to law. This collection company is damaging my credit file and cant provide legal proof. I have not had any dealing with XXXX XXXX or XXXX XXXX XXXX whom they represent. I have not given any companies authorization to share any medical information either. This company is in violation of HIPPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-10
Company: Diversified Consultants, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XXXX of XXXX, I sold a house I owned in XXXX, CA. I called XXXX XXXX XXXX to close my account ( XXXX XXXX and internet ). The gentleman on the phone gave me instructions on how to return the modem ( through XXXX store, which I did within 2 weeks ) and said a kit would be sent to me so I could return the DVR. I gave them my forwarding address. I never received the kit. The following month and for the next two months, I received a bill at my forwarding address ( interesting they could get a bill to me, but not the kit? ) for non-return of equipment. Each month I called them to tell them I hadn't received the kit. Each month, they said they had sent it. I asked them where they sent it, but they said they couldn't look that up. They promised to send another kit each month, each month I verified that they had my forwarding address. I never received a kit. Then, I received a notice that they were sending the bogus, non-return fee to collections. I finally got hold of a supervisor and after about a half-hour, she was able to see that they had been sending the kits to my old address ( the house I had sold ). She verified my forwarding address and sent a kit. I told her that this better not show up on my credit report and she said it wouldn't as soon as they received the equipment. I sent the equipment back the day I received the kit and thought no more about it. A couple of months later, I checked my credit report and the collection was on it ( {$240.00}, XXXX XXXX XXXX ). I first filed disputes with the credit bureaus and they wouldn't remove it. I then called XXXX XXXX XXXX AGAIN, got hold of someone who said I owed {$3.00} and change, but the collection should not be showing. I paid the {$3.00} over the phone and she said she couldn't send me anything in writing ( WHAT? ), but that all the bureaus would be notified that the account balance was XXXX. The collection dropped off my credit report for about three months, then it mysteriously reappered. I disputed it again with the credit bureaus and they sent the dispute to the collection agency ( Diversified Consultants, XXXX XXXX XXXX, XXXX, MI XXXX ). Diversified Consultants sent me a letter saying they had received the dispute, but I also had to write a letter to them disputing the charge, which I did on XX/XX/XXXX. Today I received a letter from Diversified Consultants stating that they investigated the case and they will not remove the collection. I don't know what else to do-it 's affecting my credit. XXXX has closed my credit line and it's starting to hurt me financially. XXXX XXXX XXXX wont send me anything in writing. HELP!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-12
Company: EQUIFAX, 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX NORTH XXXX, FL XXXX XXXX EQUIFAX Report Number XXXX I AM DISPUTING THE VALIDITY OF THE INQUIRY. None of these inquiries will have my signature on file and unless the company can show a hard copy with my signature, I ask that these inquiries be removed, and an updated report be sent to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13
Company: BARCLAYS BANK DELAWARE
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Account Name : BARCLAYS BANK DELAWARE Account Number : XXXX Date Opened : XX/XX/XXXX Balance : XXXX Reason : Identity theft Please remove it from my Credit Report. 


Account Name : XXXX XXXX XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : XXXX Reason : Identity theft Please remove it from my Credit Report. 


Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : XXXX Reason : Identity theft Please remove it from my 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 2019-08-09
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
my housing application was rejected based on derogatory notes on my credit report. On XX/XX/19 I Called Equifax to get a copy of my credit report. Their rep gave me a run around and after 30 min. when I asked to talk to a manager he put me on 10+minutes of hold and never returned. I needed copy of report because I was denied housing and needed the issue to be resolved quickly. So, next I went on Equifax website to " request free copy of your Equifax credit report : Online at Equifax.com/FCRA '' ( https : //aa.econsumer.equifax.com/aad/landing.ehtml ) I submitted my info, but at the end, instead of the report I got a message " we are unable to deliver your credit file online. You may call us to request your credit file be sent to you by contacting us at XXXX '' ( see attached ) I called the # but there was no one to talk to and that wasted another 15 minutes of my time. 
I called Equifax # again : XXXX, asked to talk to a manager. A supervisor came online and after getting all my private info told me I had to send more info by mail. I told him I had already applied online and I should be able to access the same info Equifax provided to 3rd party  about me, and I didn't have the luxury of another month or two to wait for the back and forth. Instead of providing the info they provided to 3rd parties about me so that I can contest it, the supervisor hung up on me! 

I am lodging this complaint against Equifax for 1-wasting more than an hour of my time on the phone and acting rudely by hanging up, 2-for deceiving me and others to input private info into website but once they got all that private info, refusing to release the credit report, 3- dragging the matter with no intention to resolve it, while they provided derogatory remarks about me to the landlord, as a result of which I was denied housing. 
Finally, since I already filled out their online application and did call XXXX but no one was available, and since I need this info soon to do damage control, I want Equifax to send me the credit report immediately, by email to ( XXXX )

Company response to consumer: Closed with non-monetary relief