BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-05
Company: WELLS FARGO & COMPANY
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Wells Fargo held my primary mortgage, XXXX holds my 2ndary mortgage. I was widowed on XXXX of XXXX and became a single parent of my XXXX old daughter. In XXXX, I was laid off due to COvid. In XXXX, I became severely XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I was XXXX XXXX XXXX XXXX XXXX XXXX XXXX and denied unemployment or workers comp inorder to keep my health insurance and have my medical bills paid. During all of this, for the past 4 years, I have constantly, consistently and purposefully remained in close contact with both WF & XXXX to request Mortage Forebearance and Mortgage Modification. I have begged them to settle with me for a discounted payoff. Over the 3 years, I have placed more than 50 phone calls and completed their forms and sustained constance abuse of both entities asking me to resubmit, stating they never received the applications, something was missing that they needed but they never told me. In late XXXX, after being blindsided with foreclosure papers from XXXX ( while I had been calling them weekly to learn if they'd accept a loan modification ), I was referred to Illinois Housing Assistance. I have submitted an application for financial yet they say they have reachecd out and need info from Wells Fargo. Wells Fargo says they never received IHAF request. Conveniently, Wells Fargo has just sold my loan to XXXX and they say they haven't received any request from IHAF. However, everyday when I call IHAF to see if they can award me some support, they claim neither of the 3 creditors have responded and they will not accept the information from me. I have over 75 contact dates, phone numbers, case numbers. 
I have now just received a letter dated XX/XX/XXXX that the new loan agent of the Wells Fargo Mortgage, will begin foreclosure proceedings in 33 days from today. 
I can not explain the discrimination and abuse I have endured in trying to make ends meet and to not default by staying in constant contact and providing every single notice of doctors appointments, and medical records. I have dates, records and the best news it, both WF and XXXX have taken all calls from me and my advocate on recorded lines which you can obtain for proof of my hardship and pleadings to 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 explanation
Consumer complaint received 2023-10-29
Company: Paypal Holdings, Inc
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I hope this message finds you well. I am writing to express my deep concern and dissatisfaction regarding the permanent limitation placed on my PayPal account with the email address XXXX. I believe that this limitation was placed in error, and I would like to request a thorough re-investigation of my case with the aim of having my account reinstated. 

First and foremost, I would like to emphasize that I have always strived to adhere to PayPal 's policies and guidelines. To the best of my knowledge and understanding, I have not engaged in any activities that would warrant such a limitation. I have been a loyal and responsible PayPal user for an extended period, and this sudden restriction has caused me significant inconvenience and distress. 

I kindly request that PayPal 's support team thoroughly review my account activity, transactions, and history. I am confident that upon careful examination, it will become evident that I have not violated any of PayPal 's terms or policies. It is crucial for me to have my account reinstated, as it plays a vital role in my financial transactions and online activities. 

I understand that PayPal takes security and compliance seriously, and I appreciate the measures in place to protect users. However, I believe there may have been a misunderstanding or error in the assessment of my account. I am more than willing to cooperate fully in providing any additional information or documentation necessary for the re-evaluation process. 

In conclusion, I kindly request that you re-investigate my case promptly and thoroughly. My goal is to have my PayPal account reinstated as soon as possible so that I can continue to use your services for my financial needs. I believe in PayPal 's commitment to fairness and integrity, and I trust that this matter will be resolved in an equitable manner. 

Thank you for your prompt attention to this appeal. I look forward to a favorable resolution and the restoration of my PayPal account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud. Please take an action with this innacurrate accounts.

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 2022-03-08
Company: EQUIFAX, INC.
State: CO
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:
To Whom It May Concern, Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third-party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

You were advised by me on XX/XX/2022 by certified mail that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by me- not a third-party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 

Here again is the incorrect information being reported : 1. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate it lists the bankruptcy court as the furnisher thats forgery and misleading when the courts dont report this type of account. 
XXXX XXXX Account Number : XXXX Please remove it to my credit report. 

Additionally, there is NO law that states a consumer can not use a third party, so using that as your excuse is an irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. 

I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to ensure the accuracy of my credit reports and now you are stalling the process even further. 

I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this letter dated XX/XX/2022 is formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more. 

I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-29
Company: M&T BANK CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I received an offering the mail from M and T bank stating If I deposit {$10000.00} until XX/XX/2023 I would receive {$350.00}. 

I opened a " My choice premium checking account and deposited {$10000.00} on XX/XX/2023 in person with representative XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX NY XXXX XXXXXXXX XXXX XXXXXXXX. XXXX said just make sure I keep the {$10000.00} until XX/XX/2023 to receive the promotional {$350.00}. He confirmed I met all the terms. I did in fact keep {$10000.00} in the account without any transactions whatsoever until XX/XX/2023 which is well past XX/XX/2023. 

I was told the {$350.00} would be deposited in my account. I never received it. I called XXXX left his messages and emails but he did not respond. I spoke with XXXX at M & T headquarters on XX/XX/2023. She said I met all the requirements and does not know why I didn't receive the {$350.00} promotion. She said she can not do anything else or help with the matter. 

I then spoke with XXXX XXXX on XX/XX/2023. He said the promotion was not sent to my name. I told him it was sent to my name and I have the original promotion and read all the terms and conditions. The promo was sent to me but show me where in the terms and conditions it needs to be in my personal name. He refused to answer and said he " would not get into that '' I reiterated that I have the promotion in front of me there are 4 terms listed 1-4 on the back to let me know where it states what he is saying that the promotion needs to be sent to my personal name. Again he refused and also refused to honor the promotional terms. I explained that I fulfilled the terms and kept {$10000.00} in the account from XX/XX/2023 until XX/XX/2023 and that XXXX confirmed I met all the terms and should receive the {$350.00} as promised. That if they do not give it to me it's more then false advertisement it is theft. Unfortunately he continued to say he can not and will not do anything further regarding the matter without substantiating or indicating which term I have not met on their promotional flyer 's terms and conditions. M & T is deceiving the public, committing false advertisement and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-16
Company: ALLY FINANCIAL INC.
State: NM
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2023, at XXXX XXXX MST XXXX sent my wife XXXX XXXX XXXX an email stating her account was in blocked status and that she needed to upload her ID to be verified. She uploaded her ID and the XXXX system said it was verified and that her account was then unblocked. On XX/XX/2023 at XXXX XXXX MST she received another email from XXXX stating her account was then blocked and permanently closed. She called XXXX on XX/XX/XXXX shortly after receiving the email and the representative said that it was because Ally bank told them that the {$400.00} transfer that I initiated on XX/XX/XXXX from Ally was unauthorized. I called Ally and they stated that was not true that the issue was on XXXX end that XXXX would not verify information to Ally for the business attachment to proceed. Ally suspended every single transfer and bank account I had with them and linked to them. After a phone call they unsuspended everything but the XXXX transfer. I was told by Ally that the transfer will be sent back to XXXX. I asked them how that can happen if XXXX closed the account. They said I had to call XXXX. XXXX called XXXX to see about getting the account unblocked. They then said it was blocked due to unusual activity but wouldnt explain further what that meant. They said that the money would still go through to Ally because the XXXX was closed that it would not be sent back to XXXX. There is no reason XXXX should have closed the account. There was no unusual activity. Taking money out of an account is not usual activity. The transfer was completely authorized by XXXX and myself via our Ally account. We can prove we own the XXXX account and the Ally account. We want the XXXX account unlocked. We want the {$400.00} transfer to go into our Ally account.

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 2023-10-29
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting 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 have XXXX inquiries from XXXX  XXXX XXXX Ive never applied for any credit card from them Im a identify theft victim n its hurting my credit with hard inquiries

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 2023-01-20
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I obtained a mortgage from Webster Bank through XXXXXX/XX/XXXXXXXX and the underwriting process ( I am not sure if the underwriter was internal or external ) made me suspicious ofXX/XX/XXXX 

I provided all of the required pay stubs and tax forms as requested in the loan application. Prior to my application being approved, I was asked to provide a letter from XXXX XXXX explaining the items on my pay check, my XXXX XXXX representative was emailed to confirm that I hold the position that I do, I was asked to explain why my title is "XX/XX/XXXX does not appear as a line item on my checkXX/XX/XXXX ), I was asked to clarify what type of XXXX I identify as, I was asked to explain a 1 month gap in XX/XX/XXXXduring which I changed jobs from the XXXX XXXXXX/XX/XXXXXXXX XXXX, and I was asked to provide additional pay stubs prior to closing ( this request seemed reasonable to confirm my income had not changed ). All of these requests were asked in a very piece-wise fashion ; I would address XXXX request from the underwriter and then days later have a new request. I have consulted with friends and colleagues who work at the same institution that I do, it does not seem that these requests are standard. 

My salary is quite high, my XXXXXX/XX/XXXX, and I haveXX/XX/XXXX. I am happy to provide my financial information in a secure way.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-29
Company: PENNYMAC LOAN SERVICES, LLC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- COVID-19 Relief PENNYMAC LOAN SERVICES Loan number XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX. 

THE REINSTATEMENT BALANCE PAYMENT HAS BEEN SUBMITTED AND ACCOUNT IS NOW IN CURRENT STATUS My name is XXXX XXXX and I am writing this letter in hopes of removing late payment from my credit report. I am currently going through a divorce. We separated in XX/XX/2020 because of the negative impact XXXX had on our marriage. Due to us being in the XXXX, we both were affected in negative ways. From the constant change in scheduling, to the disagreement in beliefs of the vaccine, to being XXXX in short notice it cause a terrible fall in our marriage. When he finally got fed up and moved out he completely stopped supporting the bills which in turn left to pay all the bills and then some .I just recently submitted a payment of $ XXXX to have my account reinstated. I am in a better place financially and will no longer have issues making any payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-27
Company: ENCORE CAPITAL GROUP INC.
State: DE
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I contacted CFPB about a debt collection notice I received from Midland Credit Management. The account they were trying to collect on was fake. It was for a XXXX credit card that I never opened. I filed the complaint with CFPB. Midland responded that they purchased the debt from XXXX and insisted I contact them to resolve the debt. XXXX later responded acknowledging that the account was falsely opened and stated that they would recall the account from Midland Credit Management. Both also CLAIM that they have not damaged my credit. 

If XXXX is acknowledging that the account is fake and that they're recalling the account from Midland, why is Midland claiming I have to file a report with the FTC in order to prove that the account is not mine? Credit card companies should not be able to simply purchase someone's personal information, open an account in their name, charge fees to the account to create debt, and then sell that debt to a collection company. How is this NOT fraud? The burden should NOT be on me to prove that I didn't open the account. If they're opening an account, they should document permission from the person so that they can prove that it was opened with permission. It shouldn't be that they can open a random account in someone's name and then demand I prove that I DIDN'T request the account. This is outrageous and I want it to stop NOW!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-29
Company: DISCOVER BANK
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I contacted Discover about an account on my credit report in XXXX and I have heard nothing back, and the account is still reporting. The account was opened in XXXX, but I don't remember opening an account with Discover that year. I also informed the credit bureaus as well as Discover that my personal information was compromised in a data breach. I requested documentation for this account over 60 days ago. I am demanding that this account be removed due to clear violations of the FCRA. I want to also point out the inaccuracies in the date last active. I will attach my credit report as well as my XXXX data breach claim. Please remove this account within 15 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-08
Company: LDF Holdings, LLC
State: CO
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
The original loan was for {$650.00}. I was paying 646 % interest on the loan. This loan was taken out on the XXXX of XXXX. They were taking {$180.00} out of my paychecks twice a month for three months. I looked at the loan to see when it would be paid off and found out that it wouldnt be paid off untilXX/XX/2020. 
I called the loan company on XX/XX/XXXX to see if I could reduce my payments and they refinanced the loan at a rate of 285 % interest and are now taking out payments of {$77.00} twice a month. This loan is scheduled to be paid off in XX/XX/2020. 
Every time I have called for a payoff amount, the amount is greater than the original loan. Both times Ive called for payoff, the amount has been {$750.00}. 
Ive paid over {$1000.00} on the loan, how can the payoff go up?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
I tried applying for student house but was denied due to my credit score, I came to find out I had two fraudulent credit cards under my name. One was Portfolio RECOV ASSOC account number XXXX. I got this from XXXX The original creditor is XXXX with a total of {$1200.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I have been a Capital One customer for years in many different capacities. But, I am really frustrated with Capital One because I have been unable to use my card for any purchases recently due to them claiming to suspect potential fraud. While I appreciate that they are keeping my account secure, they are going completely overboard. Most recently, they wanted a bank statement from my bank because I like to use the card and pay it off to avoid any interest charges and to be able to make big purchases when need be. Also, their customer support department is HORRIBLE and they love to give misinformation and nobody cares. It seems like Capital Ones customer support department can get away with saying anything when it could be incorrect because they are from a different country and they dont understand XXXX as well as we do. And whenever I try and get a XXXX based agent which is my right per my card member agreement, they make me feel guilty for doing so. Its such a shame now that Capital One is the worst bank Ive ever dealt with and I would not even want my worst enemies to apply for accounts with Capital One.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-01
Company: WELLS FARGO & COMPANY
State: MT
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
{$25000.00} fraud wire transferred out of my Wells Fargo Small business savings account. Wells Fargo did not take immediate action when fraud was reported within minutes of an inital transaction and several minutes prior to a second wire transfer. Wells Fargo failed to secure the account timely and failed to issue a recall in a timely manner, regardless of assuring me that they were recalling immediately and taking immediate action. They have stopped responding to my direct correspondence and have denied all requests for the money to be refunded.

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