BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-17
Company: Experian Information Solutions Inc.
State: NC
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:
I have sent investigation and dispute letters on the following dates : XX/XX/XXXX, and XX/XX/XXXX Not only have they not performed any investigation into these items like I requested, but they have not sent me any investigation results by mail. This is a DIRECT VIOLATION OF MY RIGHTS! I have tried to be nice, and respectful, but the bureaus have ignored my requests to investigate these accounts that are reporting incorrect information on my credit reports. The following items should be removed from reporting to my file immediately because they have not investigated them in the time allowed by the FCRA laws.

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 2016-06-14
Company: Ditech Financial LLC
State: OR
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Acct # XXXX Ditech Loan Servicing XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Fax # XXXX XXXX I faxed and have proof of submission to have PMI removed from my loan and they continue to stall and refuse my request. I called multiple times and have been getting the run around they are purposely preventing me from requesting this PMI removal so they can make more money charging hundreds of dollars more for unnecessary PMI for the housing market in XXXX, XXXX my assessed value far exceeds the requirement. Today I XXXX XXXX, 2016 I will attempt a XXXX time to send a CERTIFIED letter even though i have proof and confirmation my fax was received by them on XXXX XXXX, 2016.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17
Company: FC HoldCo LLC
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Flagship Credit Acceptance have called over 5 times in a single day. They leave at least 2 messages a day. On XX/XX/XXXX they called 5 times and left 2 messages. Even when payments are set in the system Flagship agents will still call and then apologize because there is a payment in the system. The interest rates are extremely high and they are overcharging. The car that I have financed with them isnt due to be paid off until XXXX and I got the car in XXXX. Payments are $ XXXX  monthly.

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 2019-10-20
Company: Grant & Weber
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
This collection agency is in violation of FCRA 1681s-2 for fraudulent reporting to credit reporting agencies of a debt I do not owe. 

This collection agency is also in violation of the Fair Debt Collection Practices Act ( FDCPA ), formally known as and codified under 15 USCA 1692 ( a-p ) as they failed to provide me with the following information : 1 ) Collection notice about the debt ; 2 ) Proof that I owe this debt ; 3 ) How this amount has been calculated in a way I can understand ; 4 ) Copies of papers or documents where I agreed to pay what you say I owe ; 5 ) Proof that they are licensed in CA, and failed to provide license number  to me.

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 2021-06-17
Company: INTERCONTINENTAL CAPITAL GROUP
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Began refinancing process with InterContinental Capital Group XX/XX/2020. The refinancing was my house as well as a duplex I own. I previously submitted a complaint ( XXXX ) which get their attention and they finally got our refinancing done for my home about two weeks ago. I am still trying to find out the status of the refinancing on my duplex. In spite of my continued emails and phone calls, I cant get anyone to answer me. At this point ( its been 8 months ), I want to know if the loan is ever going to happen or if I should just go with another loan company. People I have talked to during this loan process ; XXXX XXXX ( senior loan officer ) XXXX XXXX XXXX ( Production Coordinator ) XXXX XXXX XXXX ( Loan Officer Assistant ) XXXX XXXX XXXX ( Loan Processer ) XXXX X XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
Public record State tax lien and Bankruptcy ( yr XX/XX/XXXX ), was disputed and previously deleted, and now on XX/XX/XXXX, a reinserted public record for the same state tax lien and banruptcy has been added to my credit report FCRA 611, Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] Requirements relating to reinsertion of previously deleted material. 
Certification of accuracy of information. If any information is deleted from a consumer 's file pursuant to subparagraph ( A ), the information may not reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies the information is complete and accurate. 
If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. Additional information. As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing no later than 5 business days after the reinsertion date. 

( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumer 's file disputing the accuracy or completeness of the disputed information. 

I received no such notification

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 2021-06-17
Company: Convergent Resources, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
COI is harassing me and inaccurately reporting information to the credit bureaus resulting in my profile being compromised. I am livid and intend on filing litigation for these unethical and ILLEGAL tactics. The original fraudulent account was already removed from my credit report and COI is going against that for their own financial gain. Attached is a copy of my FTC report. Please remove this account immediately.

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 2021-06-17
Company: Flagstar Bank, N.A.
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My loan was sold to Flagstar effective XX/XX/2021. My escrow account was {$6000.00}. Flagstar did not pay my HOMEOWNER INSURANCE from my escrow, despite telling me theyd overnight it to my insurance company. My insurance was subsequently canceled. I had to spend an enormous amount of time trying to get this rectified. Then they didnt pay my PROPERTY TAX, which incurred a late fee of {$220.00}. I contacted them XX/XX/2021 about the delinquent property tax bill. They sent me ONE email stating that that was all Id hear from them, which was ridiculous. I spent numerous hours and made numerous phone calls trying to get them to pay my property tax. No one ever reached out to again, I had keep trying to contact them. I finally spoke with a person at the headquarters named XXXX XXXX. He told me the property tax was paid on XX/XX/2021. No one ever notified me. I had asked numerous people numerous times ( including Mr. XXXX ) to inform me of any payment but I never heard back from anyone. This company is awful and the customer service is non existent.

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 2016-12-07
Company: First Data Corporation
State: TX
Product: Prepaid card
Sub-product: Payroll card
Issue: Unauthorized transactions/trans. issues

Complaint:
I disputed a transaction and provided complete back-up, and the Money Network Institution overturned it with no proof, other than the word of the merchant. I sent in all the information I had to prove it should be granted. They also refused to provide me with a copy of what the merchant provided to them to determine their decision. This made my account overdrawn, and they are unwilling to do anything about it. I made a flight+car reservation with XXXX on XX/XX/2016, according to the cancellation terms, I could cancel within two days of departure. I cancelled on XX/XX/2016, completely within the time frame, the merchant rep I spoke advised me there would be no penalty, but they would credit my card so I called Money Network to dispute my transaction, they said that the merchant provided them proof it was a non-refundable flight. I sent them copy of my reservation that did not show in any way it was non-refundable, I am including a copy, XXXX issued a credit for travel, which I do n't understand since it is " non-refundable ''. I formally asked for the copy of what they provided and was refused. They illegally withdrew the funds based on false information provided by the merchant, and will do nothing to resolve it. My account is now overdrawn by {$260.00}, minus the few deposits made to the account the new balance as of today is $ XXXX. I would like to make a formal complaint for the lack of due diligence and misrepresentation that a complete and thorough investigation would be made.I disputed the transaction the same day I cancelled on XX/XX/2016. There was no lapse in time from when I cancelled the reservation to when I disputed the charge. Clearly they do not care about the customers or the security of their hard earned money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-18
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I am invested in a XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX Texas. They were returning my investment via Wire Transfer from their account to mine via XXXX XXXX ( their bank ) via Chase into XXXX XXXX, where my account is- under the name of XXXX XXXX XXXX, XXXX. The original wire was made XX/XX/XXXX ( see attached IMAD # ) but the wire issuer made a single digit mistake - making the first digit a " XXXX  '' instead of a " XXXX  '' - which stopped the wire. We attempted to contact CHASE who received the wire, but repeated phone calls and emails to Chase 's wiring department went unanswered - phone calls said " because of XXXX, then hung up '' every single time. We had no way to contact them. On behalf of myself, the recipient of the funds ( {$23000.00} ), XXXX XXXX initiated a recall on XX/XX/XXXX furthermore I contacted CHASE where I have a credit card and they said they could do nothing. Since our recall, neither XXXX XXXX, XXXX XXXX, XXXX XXXX or myself have gotten no response. If we call they have a recording " because of XXXX we can't take this call or something to that effect '' - and hangup. As we approach the holidays, it's going on 90 days and it is now creating significant hardships and we see no alternative but to write the CFPB as Chase will not return my money and there is no other recourse. Please see the attached two documents that show the initial WIRE AMOUNT - the mistaken Account # ( XXXX XXXX not XXXX XXXX ) and the IMAD # of the wire made. CHASE Is holding my money and will not give it back or communicate. The recall on XX/XX/XXXX has done nothing. In addition, XXXX XXXX below ) also made a second wire for {$10000.00} I believe, which they are also in possession of and will not return. 
Please email me if questions XXXX or call XXXX XXXX XXXX XXXX XXXX - key contacts involved are below. 

Cc : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | XXXX, WA ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-04
Company: Experian Information Solutions Inc.
State: OH
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 paid a debt collector to pay off a debt is had. Filed a dispute with experian and showed proof I paid that off what we agreeded on and they still didnt take it off 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 2016-03-28
Company: Commonwealth Financial Systems, Inc.
State: NY
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I received a letter about medical services. I am XXXX and unable to mail them a validation of debt notice. I have no idea where these charges came from.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-29
Company: Commonwealth Financial Systems, Inc.
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This collection agency placed an account on my credit report that is not mine, they never sent me any information stating that they are placing this on my credit report. I sent them a letter asking them to validate the obligation and they ignored it. They are in violation of section 809B of the Fair Debt Collection Practices Act and section 392.101 of the Texas Finance Code.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-04
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
This is a problem with equifax. In 2016, they had me listed as deceased on my credit report. I called and spoke with someone in 2016 and provided them with current bills in my name, copy of my current driver 's license and address. I did think it was resolved. The last four years I have been improving my credit score, slowly but surely. This past XXXX, after applying for a XXXX XXXX credit card, I was declined due to " one or more of the applicants are listed as deceased ''. I don't know what else to do or how to go about correcting this. Can you help and guide me as to what steps I need to do since nothing worked back in 2016. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14
Company: Rocket Mortgage, LLC
State: GA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Approximately XX/XX/2022, I contacted RocketMortgage regarding different options about a loan. I have had a loan for two years on my primary home at XXXX XXXX XXXX XXXX XXXX, GA XXXX. There is no issue with this loan. 

The contact was because I have a business opportunity that may require some cash. While my initial inquiry was through an online chat, I soon got a call from a representative. I believe his name is XXXX XXXX. I stated that the call was informational only and I wanted to learn about possible amounts for three different options -- a straight refinance ; a second mortgage ; and a HELOC. 

XXXX XXXX put me on hold and came back a few minutes later. He provided an estimate on how much cash I could pull out of my property if I refinanced and he provided an estimate on a second mortgage. He also said that Rocket Mortgage did not offer a HELOC. I had the information I needed and ended the conversation. Before the conversation ended, XXXX XXXX asked if he could call back every couple of weeks until I made a decision. And I agreed that would be fine. 

On Monday, XX/XX/XXXX, I received an electronic communication from Rocket Mortgage saying my payoff letter for my existing mortgage was ready. That's disturbing because I never requested one. I went to my online account with Rocket Mortgage and found a new loan in my documents -- number XXXX -- and it was categorized as " refinance '' under the label " Loans We're Working to Close. '' While online, I went to the chat function and eventually, though painfully, worked through the automated system and reached a human being. I explained to that agent the issue and he apologized, then gave me someone else to contact. I said this was their problem and they need to fix it. He said he would escalate my complaint to the executive team. 

Today, XX/XX/2022, I received a call. I didn't write down the name of the person but his direct phone line is XXXX XXXX XXXX ( I believe but am not confident that the last name XXXX XXXX XXXX XXXX ). He was calm but defended the existing of a loan document that was never requested as " that's just how we do it when we get an inquiry. '' In the original call, I gave permission for the person to run a soft credit check -- and that is the only permission I gave. I did not request a payoff letter. I did not request a refinance that " We're Working to Close ''. 

The creation of the second loan application is fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-01
Company: PNC Bank N.A.
State: IL
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
On XXXX/XXXX/2016 I went to pnc bank on XXXX I put in my account {$230.00}, $ XXXX, went in taking under orders {$130.00}, I ordered some shoes right away but somehow, they did n't come out right away, I was made to put nearly, actually a whole another {$100.00}, in the bank which makes total a {$330.00}, deposit bit I do n't have all such worth of transactions nor, goods making this transaction show dollar for dollar wat, I used, the banks Delayed '', inacccurate, management, accounting my cash to my account fastly, inacccurate not my fault, inacccuratesnfact this is n't the first time I post money n it was gone, or never usable, or used n then I was told " you went busty how can a merchant such as finishline b allowed to say " item went thru, when it didmt? how can bank hold off giving items to them when funds were there,? then turn around n charge XXXX? XXXX bank also when I went to it a XXXX, XXXX, charged in words across the teller till STATING YOU MADE XXXX COMPLAINT VS US '' XXXX? WHICH I CHE KED HER PUT HER IN HER PLACE, BUT THIS STATEMENT TELL ME THAT IT 'S IN THE COMPUTER MY COMPLAINT IN THEIR RECORDS WHICH EXPLAINS WHY I MAY HAVE BEEN CHARGED N ERROR. IF U SPENT XXXX $ XXXX/WITH ONLYBXXXX $ WORTH OF TRANSACTIONS TO SHOW FOR IT, THEN BE TOLD YOUR NEARLY $ XXXXNEG, PUT MORE MONEY IN WHERE 'S MY CASH GOING? I DEMAND IT BE RETURNED, THIS BANK HAS ALSO DENIED LOANS TO BLK, VETERAN XXXX CLIENTS LIKE ME, N BEEN DISHONEST DENYING NOTARIES, TO ME AS WELL, THIS BANK HAS ENGAGED IN RETALIATORY, ACTIONS VS ME SINCE I 'VE BEEN DOING BUSINESS WITH THEM AND MUST B FINED ALSO FOR ALLOWING TRANSACTIONS TO GO THRU, NUMEROUS TIMES ONLINE N THE PORTAL, ONLINE DO N'T MATCH WORD FOR WORD SPELLING OF MY NAME ON CARD, /BANK FILES, WJICH MEANS SECURITY OF PNCBANK, XXXX THEIR ATTITUDES N WORKERS

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I created a checking and savings account online with funds deposited and was approved. Upon approval, I was advised I could make my account online while my card was sent. I received several transfers via XXXX on this account through my family and was unexpectedly advised my account was closed when I tried to activate the card sent. They never contacted me to identify any issues with creating the account and did not disclose it was closed. They did not either advise where my funds for the account were until I called which they advised would be sent via certified check within 10 to 15 business days. They did not offer any assistance or advise my account would be closed.

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 2022-04-15
Company: EQUIFAX, INC.
State: CA
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 violated my rights on XX/XX/2022. 

The viloated laws were 15 U.S.C 1681 section 602 A, 15 U.S.C 1681 Section 604 A Section 2, 15 U.S.C 1692c

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-30
Company: Ditech Financial LLC
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Each year Ditech pays my FLOOD insurance from my escrow. My FLOOD is paid by ME personally each year ( from inception of flood policy ) & has NEVER been a part of my mortgage. My Flood ins refunds me MY annual payment & I repay it BACK TO mortage escrow. My escrow does n't show I paid it & DiTech wants to raise my monthly mortgage payment & pay " shortage '' + when they were NEVER AUTORIZED to pay my flood insurance. I AM " NOT REQUIRED '' TO CARRY FLOOD INS. IN MY AREA. I call, I write, I email, I fax, to NO AVAIL for a response to my issue & get them to stop paying my flood insurance. This goes on for months, I pay the shortage ( s ) & monthly payments STILL GO UP. THIS IS AN ANNUAL EVENT almost from inception.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief