BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-01-07
Company: WESTERN UNION COMPANY, THE
State: PA
Product: Money transfers
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
I received a friend request on XXXX from a lady who 's profile name is XXXX. she advertised how she can help people make additional income with a number provided XXXX which I decided to call to get more info. she texted me and said that someone would be calling me. Which they did, and the conversation was explaining there business helping others flip the money to help there assist their financial needs. I ask how do you get started? They replied that I had to give my full name to get registered in there system then drive to a local western union at send money to an specific name and address then 20-30 mins later i would receive a tracking number to pick up my flipped return payment. I ask whats the minimum to send and they repaid {$150.00}. which would flip and return to me in the amount of {$3000.00}. I then went to western union as instructed filled out the form to send {$150.00} to the name and place the told me which was to a XXXX in XXXX. The tracking number of this transaction is # XXXX and i waiting as instructed to get my refund. then i received a message saying the money is there but the irs just notified them that there is a fee of {$290.00} that needs to be paid in order to receive my refund. I went back and forth with them through text and phone calls on how I do n't have anymore money and how this was n't what was discussed prior to me sending the first transaction. I let them know i could n't send anymore and they insist if I could send what i have. I told them i had a XXXX and they assured me that after i send this that i would receive my money with an additional {$1000.00} and a new XXXX which would come in the mail. They even proved me with the tracking number to give me clarity of the transaction being legit. that number was # XXXX but i was n't able to see the amount or the name attach to it which left me still suspicious. so i declined to send anything else and told them i would be reporting them so they could stop calling which they did after I uttered those words. So here I am telling of my unfortunate tragedy. I just was looking to better my families financial status. Not sure what will come of this, but I pray they get caught so that they can not mislead anyone else.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-19
Company: SELECT PORTFOLIO SERVICING, INC.
State: MA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
There seems to be a mistake. I submitted a Qualified Written RESPA Request and Select Portfolio Servicing told me to go fly a kite. 12 USC 2605 clearly states that within 30 days the financial institution owes me a substantive response. 
Select Portfolio Servicing has NOT provided me with any response other than the tell me to XXXX. there is a missing security which will be reported to the FBI. 
The Qualified Written RESPA Request was sent Certified Mail XXXX on XXXX/XXXX/2016. 

The default provisions are now in effect.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-20
Company: BlockFi Inc
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
I am a customer of Blockfi online digital asset service. I hold funds in Blockfi 's Wallet where funds are owned by me based on their terms of use. I receive no interest from my wallet holdings and these assets are supposed to be available for withdrawal pending a reasonable processing time. I have requested a withdrawal of my funds but have not received funds and have reason to believe that my fund 's withdrawal request is being denied in violation of the terms of use.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27
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: Credit inquiries on your report that you don't recognize

Complaint:
I CAME ACROSS SOME RECENT INQUIRES THAT WERE NOT AUTHORIZED BY ME AND NEED REMOVED FROM MY CREDIT REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
I CAME ACROSS SOME RECENT INQUIRES THAT WERE NOT AUTHORIZED BY ME AND NEED REMOVED 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 2022-11-20
Company: Experian Information Solutions Inc.
State: NV
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:
Hello. This account XXXX  XXXX Account number : [ XXXX ] was opened by my husband for himself as reported in XX/XX/XXXX ( I'm only an authorized user ). 

However after asking that the payment history and dates be updated and corrected ( on XXXX XXXX, they have again all reported differently from all XXXX bureaus. The bill has been paid by due date every month since he's gotten it. 

But, there are many violations on the credit report when comparing XXXX 's credit report to XXXX 's credit report because Experian has completely deleted every record of having an account now according to my XX/XX/XXXX credit report pull. Which makes it a complete violation to report anything on the payment history, with no reportings showing for an account at all from that bureau. It has also been over 30 days again. 

I am aware that all XXXX bureaus must show the same reportings line-by-line on a credit report, or it's considered a violation. And According to the FCRA everything must be 100 % accurate. ( According to the CFPB bulletin on XXXX XXXX ) theres a requirement from the FCRA for CRAs to investigate all relevant information regarding a dispute. And there were XXXX things listed as requirements that has not been upheld regarding my credit safety as a consumer and citizen. 

I'm dealing with adverse affects because of my credit now because of me disputing and trying to get a fair credit investigation. My credit score has dropped a lot within the past month. And me and my family have not been able to obtain our own housing now. So the address that was on file previously is no longer ours. 

15 USC code 1681n ( a ) ( 1 ) ( A ) I'm requesting monetary relief and proper corrections to the account. 

Tracking numbers : XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX XXXX XXXX XXXX ( Experian ) XXXX XXXX XXXX XXXX XXXX XXXX ( Experian )

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 2022-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 


XXXX XXXX XXXX XXXX Balance : $ - ; XXXX XXXX XXXX Balance : {$1900.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$0.00} ; XXXX XXXX XXXX ; XXXX XX/XX/2021

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-27
Company: Lending Club Corp
State: NY
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with the payoff process at the end of the loan

Complaint:
Loan funds for payoff were sent in XX/XX/2021 to pay in full. Lender emailed saying they needed more information to apply funds received. Additional confirming information was provided. Multiple attempts and phone calls were made. The company confirmed the payoff funds were received by their treasury team. The loan was refinanced with funds from another bank.. After confirming through providing the check document which was cashed, the company refused to apply the funds as requested for the payoff amount. They instead cut a new check and returned it to the sender, the other bank. No attempts were made to contact me to follow up on the issue and the company refused to put any confirmation in email or writing. I am still trying to track down the check, which they say has been sent. This process has taken over two months and has been a nightmare, causing great hardship to my family.

LendingClub refuses to acknowledge receipt of funds. LendingClub is trying to avoid paying off my loan, so they can charge additional fees and interest. LendingClub refuses to follow up on any issue. This behavior is unacceptable from a regulated financing institution. Clearly the management and administration of funds and payments is haphazard and overly automated. This issue poses an operational risk.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-04
Company: ERC
State: NC
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I was informed about this when I pulled my credit report. I contacted the company and was insured that if I would do the pay off it would be completely removed from my credit. So I paid the amount they asked for and it 's still on my report. It 's been over a year and when I call they hang up on me. I ca n't get no one to talk to me about this.. I 'm a single mom who 's trying to buy a home and I hurt myself trying to pay the complete amount to insure it would be removed from my credit report. Please someone help me with this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-20
Company: BlockFi Inc
State: AL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I have a crypto wallet with Blockfi and Blockfi has stopped my ability to withdraw funds. The amount of XXXX  is about {$7000.00} ( amount goes up and down according to market ). I don't get involved with Blockfi loans, I only have an interest account with them. My account had nothing to do with Blockfi involvement with XXXX! ... Thanks for your help! 
XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-19
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My mortgage servicer has denied me access to mortgage payment history for the period XX/XX/XXXX to XX/XX/XXXX. During this time period the servicer changed from XXXX XXXX XXXX To Select Portfolio Servicing. Select Portfolio Servicing ( SPS ) after receiving the loan this company moved immediately to foreclosure. This action was against the California Homeowner Bill of rights that went into effect on XX/XX/XXXX. I would like a resolution that includes the servicer 1. Allowing me the opportunity to apply for a loan modification. 2. Supply me with the complete payment history from XX/XX/XXXX to XX/XX/XXXX when the alleged delinquency took place.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXXXXXX XXXX MI XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2021 Delete this account. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/2021 Delete this account. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/2021 Delete this account. 
XXXX. The inquiry was not authorized XXXX OF XXXX Date of inquiry : XX/XX/2021 Delete this account. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2021 Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, MI 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 non-monetary relief
Consumer complaint received 2022-11-20
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Fair Collections & Outsourcing , Inc. is in violation of the Fair Debt Collections Act ( FDCA ) and has been calling me without my permissible purpose, according to Title 15 USC 1692b ( 2 ) and Title 15 USC 1692b ( 5 ). I attached a letter with the remedies.

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 2022-11-20
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Experian is reporting negative item on my consumer file without consent from me. I am requesting to remove this negative information from my report immediately this is DEFAMATION OF CHARACTER.

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 2021-09-27
Company: RateGenius Loan Services Inc
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
On XX/XX/2021 my wife and I were looking at rates to refinance a vehicle. We purposefully did NOT submit any applications as we are also mortgage shopping. This morning, XX/XX/2021, I received alerts that my credit reports had been pulled multiple times. On my XXXX Credit Report there is one inquiry from XXXX XXXX with no contact information whatsoever, and on my XXXX Credit Report there are 2 separate inquiries from the same credit union, XXXX. I contacted XXXX who claimed they received authorization from Rate Genius. Rate Genius 's employee, " XXXX '', advised me to dispute the inquiries but otherwise offered no assistance into the matter. 

I expect all inquiries to be removed as I did not authorize them.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-22
Company: Clear Debt Solutions, LLC
State: TX
Product: Debt collection
Sub-product: Payday loan
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
Continue to get calls at my workplace when asked not to! Also, leaving messages, or trying to speak to co-workers to try to contact me!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-16
Company: LD Holdings Group, LLC
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Mortgage abruptly changed to a new Servicer ( from Imortgage to XXXX Mortgage ). My payments are automatically sent every XXXX via my bank. With the late notice, I did not have time to change the payment to the new servicing company. I called the previous company ( Imortgage ) -- to explain and request the payment be transferred to the new Servicer XXXX XXXX XXXX. Problem is Imortgage is no longer taking live calls pertaining to my account. I just get an automated message telling me they are no longer servicing my loan. Then the call disconnects. What can I do? I recently received a statement from the new Servicer XXXX XXXX XXXX telling me that my loan payment is late. When I called them to explain, and complain that they did not give customers enough notice, they did not seem to care. They told me to call Immortgage to 'figure it out '. Well, clearly Imortgage doesn '' t want to be bothered either. The XXXX rep I spoke to claimed to have made notes on my account ... but really not sure about that. Should I call my bank and stop payment? Or do I just wait and hope it gets worked out? I am SO frustrated, and really could use the advice. Thank you!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
Company: WELLS FARGO & COMPANY
State: AZ
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
XX/XX/2023 : owned accounts between Wells Fargo Bank-checking and XXXX XXXX XXXX XXXX XXXX were linked for electronic transfers per Wells Fargo process . 
XX/XX/2023 : {$1000.00} transferred to XXXX from Wells Fargo. Transaction credit never acknowledged by XXXX. Trace ID provided by Wells. 
XX/XX/2023 : Spoke with XXXX on-line help to see why the deposit was not reflected in my savings acct. Spoke with Wells Fargo on-line transfer help line to see why deposit to XXXX was not made. Initial claim generated with Wells Fargo Claims Dept. Claim XXXX XXXX 
XX/XX/2023 : Wells Fargo closed claim per " miss-applied funds '' by XXXX. Wells went into my XXXX savings account and transferred {$1000.00} back to Wells account to close the claim. The original {$1000.00} transfer was never shown as a credit to my XXXX. 
XX/XX/2023 : FDIC Case XXXX XXXX filed on-line via the FDIC web site. 
XX/XX/2023 : Wrote a claim letter to XXXX at their XXXX XXXX XXXX Claims office for the missing {$1000.00} electronic transfer deposit from Wells Fargo. 
XX/XX/2023 : FDIC Case XXXX XXXXXXXX was referred to : The Office of the Comptroller of the Currency - complaint completed on-line Case XXXX XXXXXXXX. 
XX/XX/2023 : received a dated letter from the OCC Consumer Assistance Group referring my case to : Consumer Financial Protection Bureau. 
XX/XX/2023 : completed a complaint on-line with Consumer Financial Protection Bureau .

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 2021-09-27
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: TX
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I am disputing the charge for {$1600.00} made on XX/XX/21 to my HSBC credit card and XXXX deposit paid on XX/XX/21. The total amount I am disputing is {$1700.00}. 

I entered a contract with XXXX XXXX for 4 movers and 1 truck/s, at $ XXXX and a {$100.00} deposit nonrefundable to move me from XXXX XXXX  XXXX, XXXX  XXXX TX XXXX to XXXX XXXX XXXX XXXX on XX/XX/21 XXXX 
Before my move date, I received a call asking if I minded multiple trips. I specifically said I do not want multiple trips. On XX/XX/21, 4 movers came with a surprisingly small truck and began moving at XXXX. The truck did not have a lift in the back to assist with getting the refrigerator, heavy XXXX XXXX XXXX and my XXXX XXXX XXXX in the truck. Around lunch time they told me the truck was full and they needed to make an additional trip. 
Before delivering thXXXX XXXX XXXXad to XXXX XXXX XXXX XXXX, the 4-men crew stopped for lunch. They were gone for 1.5 hours. The 4th person never returned. My contract stated 4 men and a truck at $ XXXX. They unloaded the first load and then 2 men and me returned to XXXX XXXX XXXX, XXXX  TX to finish loading the large items such as the heavy XXXX XXXX XXXX, the XXXXXXXX XXXX XXXXXXXX XXXX, the refrigerator and a handful of other inventory items. The 3rd man stayed at XXXX XXXX XXXX XXXX to begin assembling the beds. The 4th man never returned to the job.

The 3 men delivered the final items. After a full inspection I realized : 1. I was missing a large decorative vase that went with two others. I have a bad hip and was not able to go onto the truck and inspect it before they left to see what had been left there. 
2. My XXXX XXXX XXXX was shattered. The men did not wrap it, nor did they put the blankets on it when they loaded it. All they could say was XXXX we have another job to go to after this one. 
3. My XXXX XXXX XXXX was so damaged that I could not even open it. 
4. There were scratches and dents on my XXXX XXXX XXXX. 
5. There were scratches on my dining room table. 
The damages noted above exceed the moving costs I paid, of a {$100.00} deposit paid on XX/XX/21 and {$1600.00} on XX/XX/21 ( Total paid {$1700.00} ). I am disputing all moving charges paid through my credit card company. I will be filing numerous online social media complaints and a XXXX XXXX XXXX Complaint against XXXX XXXX XXXX for your Gross Negligence and Breach of Contract.

Company response to consumer: Closed with explanation