BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-11
Company: DISCOVER BANK
State: DE
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:
Im writing to Dispute a Billing Error in the full statement balance of {$8100.00} Reasons as follows : Pursuant to 15 U.S.C 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or by the issuer of a credit card or similar device Should be excluded from a consumer report. The definition of a credit card under 15 usc 1681 is the same as it is under 15 usc 1602 ( 1 ) which is the term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining, money, property, labor, or services on credit. Notice, congress said ANY card. The credit card is my social security card. This is the credit card I used to originate every consumer credit transaction below. They should be removed from my consumer report pursuant to 15 usc 1681a ( 2 ) ( B ). I am demanding that you remove these Transactions from my report immediately as they are a violation of my rights as a federally Protected consumer under title 15 chapter 41. 



15 U.S. Code 1666d - Treatment of credit balances Whenever a credit balance in excess of {$1.00} is created in connection with a consumer credit transaction through ( XXXX ) transmittal of funds to a creditor in excess of the total balance due on an account, ( XXXX ) rebates of unearned finance charges or insurance premiums, or ( XXXX ) amounts otherwise owed to or held for the benefit of an obligor, the creditor shall ( A ) credit the amount of the credit balance to the consumers account ; ( B ) refund any part of the amount of the remaining credit balance, upon request of the consumer ; and ( C ) make a good faith effort to refund to the consumer by cash, check, or money order any part of the amount of the credit balance remaining in the account for more than six months, except that no further action is required in any case in which the consumers current location is not known by the creditor and can not be traced through the consumers last known address or telephone number. 



18 U.S. Code 8 - Obligation or other security of the United States defined The term obligation or other security of the United States includes all bonds, certificates of indebtedness, national bank currency , Federal Reserve notes, Federal Reserve bank notes, coupons, United States notes, Treasury notes, gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drafts for money, drawn by or upon authorized officers of the United States, stamps and other representatives of value, of whatever denomination, issued under any Act of Congress, and canceled United States stamps. 

Im requesting a full refund. The obligation again has already been paid by the United States. Please send check to address on this letter. 


Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

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 2021-03-16
Company: Tower Loan of Mississippi, Inc.
State: AL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I spoke with XXXX XXXX the week of XX/XX/2021, I was behind on my payments. I explained to XXXX XXXX I had just loss my mom and I would pay the following week, I did not because I forgot, yet in grieving process. I have gotten behind at times before due to coronavirus work issues but never not paid. I returned home XX/XX/2021 and the man up XXXX XXXX from me gave me my mail. There was a unprofessional message written on one of my statements from Tower Loan for the world to see, which violates my privacy. I called down to their office and XXXX XXXX answered, I confronted him about this and he informed me, he wrote the message and he was within companys regulation to collecting a debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05
Company: Paypal Holdings, Inc
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX-XX/XX/2020, I traded cryptocurrency on a legal, secure platform and used PayPal as a method of receiving payments. I instructed the buyer to make screenshots from her own account as a form of receipt and made sure she was paying from her own account. 

However, I received a message from PayPal, saying buyer has opened a case against me and claimed the transaction was unauthorized and asked the payment to be reversed. I uploaded evidence on PayPal 's portal, including 1 ) XXXX as legal cryptocurrency trading platform ; 2 ) evidence that I have already delivered the currency to buyer 's account ; 3 ) screenshot from buyer, clearly showing that buyer was able to use own account to make payment and screenshots. It is definitely an authorized payment from buyer 's end. 

After uploading these convincing evidence, PayPal did not contact me once before closing the case in buyer 's favor, and immediately deducting the payment with {$20.00} chargeback fee. I believe it is PayPal 's responsibility as a third party digital wallet vendor to make sure it prevents fraudulent access to accounts, not only mentioning that these evidence strongly prove the buyer 's account was in her own possession when she made these payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-23
Company: WELLS FARGO & COMPANY
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
My bank account woth welfargo was closed they had charged me with well over XXXX in return check charges and overdraft fees when the transactions were already cleared out of pending they would put them back in pending and move the transactions around to delay the processing so if I was XXXX penny sort it shouldn't of allowed the debit to go there instead they allowed it and charged me thousands of dollars I even went and took photos once I realized when was going on and I complained with them but they said no im wrong.

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 2023-10-01
Company: WELLS FARGO & COMPANY
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
I used my debit card with a chip reader to purchase food from a food truck. the foods from the both food truck services caused me to get food poisoning ; the merchants of both food truck services left no way to contact them via a phone number. they claimed they do business with XXXX. 
I submitted a claim for both purchases through Wells Fargo Claims center through their desktop website saying the same thing ; that the food made me sick, and i immeadtely requested a refund for both services. 
Wells Fargo alleges that it takes them 10 FULL BUSINESS days to resolve said claim. This is unacceptable. 

Wells Fargo has also made numerous threats to close my account, in which i find offensive since i've been a member with them for YEARS.

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 2023-06-16
Company: CCS Financial Services, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I received a collection letter from Credit Collection Services dated XX/XX/ in regard to a Progressive account. I do not recognize this account. I informed the company but they refused to acknowledge my concern. On XXXX I contacted the company and spoke to XXXX. This person was extremely unprofessional, rude, and would not listen to me. I requested to speak to a supervisor and was transferred to a XXXX. I explained everything and asked to investigate and remove any negative information from my credit report,

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-10
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:
XX/XX/XXXX & XXXX, 2020 : I received an e-mail message purporting to be from my brother, saying that he needed {$5000.00} for a medical issue, Since he had had a XXXX XXXX  several years back, I didn't question the request. It turns out the request came from someone who had hacked into his computer. I had wired the money to the XXXX XXXX office of Wells Fargo. Shortly afterwards, having learned from my brother that the email was a scam, my local bank representative contacted Wells Fargo and discovered ( a ) that the money was deposited in a Wells Fargo account in XXXX, NY ( my brother lives in XXXX ), and ( b ) that the account was already closed. There are only two ways the false account was set up in my brother ' name : ( a ) an inside job ; or, ( b ) using the information stolen from his account.I have since learning about the scam contacted Wells Fargo ; I have received over the last five and a half months, letters from seven different " Escalated Complaints Specialists '' from different Wells Fargo locations throughout the country, each saying in a form letter : " We received your complaint and are committed to promptly addressing your concerns.... It is our goal to review your concerns and provide you with a response within ten business days from the date we received your request. '' Over all these months, I have NEVER received the promised follow-up, nor has any of these so-called Case Specialists ever asked me for information of did any research into this fraud. 

I have 36 pages of history describing the scam and the lack of a follow-up, even though I have sent certified letters/response required. The last letter I sent was to the CEO of Wells Fargo in XXXX XXXX. It was only after a month had lapsed that I received the receipt back UNSIGNED. 
An earlier certified letter was sent to XXXX XXXX yet was received -- according to the USPS -- in XXXX, NY. The signature on the return receipt was illegible, and there was no printed name below the signature. 

So, this is a very brief summery of the wire fraud of which I was a victim. I would be happy to provide you with the complete account in order for you to " follow the money/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 explanation
Consumer complaint received 2023-10-04
Company: Nelnet, Inc.
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
Hello, I have attempted to call Nelnet 4 times to get my password reset. The system says they are now requiring XXXX factor authentication when i log in but when i attempt to reset my password the online notification states they do not have a valid email address or phone number on file. However the XXXX times i have spoke to a representative this is information the use to validate my account along with my birthday and my social. I am unable to get in to view my bill and do not want to pay over the phone until i have had a change to view my bill and ensure i am set up on the best repayment plan. The representative told me they cant help me, but i do want to pay them and they are making it impossible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16
Company: Maximus Education, LLC dba Aidvantage
State: MO
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:
XXXX XXXX XXXX and Department of ED Aidvantage are reporting double accounts for the same amount. One account from XXXX XXXX for XXXX and the same account being reported by Dep. of ED Aidvantage for XXXX. And this amount twice/ {$81000.00}, and this amount twice/ {$30000.00}. 

In Essence, I only have one loan with one servicer, but it is being reported to my credit report that I have two servicers, and two loans. Six loans total, which is inaccurate. 
XXXX x XXXX XXXX x XXXX XXXX x XXXX Please have them correct this error as it is negatively affecting my credit score and DTI, thus causing me to not qualify for much needed loans, and a mortgage I am trying to qualify for. Therefore causing me financial harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-09
Company: EQUIFAX, 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: Account information incorrect

Complaint:
I requested my credit report from Equifax on XX/XX/2019. I saw that there was negative information reported by XXXX XXXX XXXX in the file that Equifax maintains under my Social Security Number.  Upon reviewing that copy of my credit report, I saw an entry listing an account was charged off {$790.00}. I wrote and certified mailed a letter to Equifax challenging the accuracy, compliance and reportability of this listing. I ask them to please validate that information with XXXX XXXX XXXX and provide me with copies of any documentation associated with this account, bearing my signature. I requested in the absence of any such documentation bearing my signature, I formally requested tthat the information be immediately deleted from the credit file they maintain under my Social Security Number. I also stated that I do not consent to XXXX  or any means of automated verification. 
They replied back XXXX XXXXr XXXX " Verified '' that the account they are reporting under my name is accurate. I then on XXXX XXXX certified mailed another letter to Equifax Requesting that the description of the procedure used to determine the accuracy and completeness of the information was being requested, to be provided within 15 days of the completion of their re-investigation. Additionally, to please provide the name, address and telephone number of each person contacted regarding this alleged account. I formally requested a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. And that any automated response or XXXX  verification is unacceptable. I requested a re-investigation and their method of verification. They did not reply back in 30 days so on XX/XX/2019 I sent a third certified mail letter letting them know that by not repying in a timely manner to my initial letter they not only violated federal law, but they had failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. And I have evidence via certified mail receipts, so they must remove the item.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16
Company: Chime Financial Inc
State: KY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
From XX/XX/XXXX to currently I've had XXXX disputes XXXX but each dispute had XXXX to XXXX merchants from make a to XX/XX/XXXX. But rmmmmm says that I was never asked for any help or give it any money back for the money that was taken. Ever dispute that I made I never received a provisional credit but I was denied now that I have the information that proves I'm innocent they still want to. Issue me and put it right away. I still if you used to give me anything back. That would help me financially after but for me I know that I was. Innocent of using the money that somebody stole my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-17
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
This is a repeat occurrence where Wells Fargo is charging a monthly " DIRECT PAY MONTHLY BASE '' of {$10.00}, even though I never asked for this service to be activated. This is happening on two business checking accounts. Whenever I try to get this corrected, branch staff tells me they can not help and I need to use a customer service hotline which requires a significant amount of time, a commitment I can not easily make during business hours during the week. This feels like a deliberate tactic to trap customers like me into accepting these fee, for a service I never asked for and never benefited from. I have never in my life made a " direct pay '' transaction at Wells Fargo!

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 2021-03-15
Company: Mortgage Research Center, LLC
State: VA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
We have given our most recent mortgage company, VeteransUnited Home Loans, just over six weeks to respond so, at this point, I believe its reasonable to give up hope that they ever will. Heres the justification for what I suspect you will agree was a shady practice, the remedy for which you may able to offer us advise.

Our first loan officer for VeteransUnited Home Loans didn't know his loan products well enough to offer us the correct one. We had originally settled on what we felt was a fair price but, with TWO days to go before the original closing date, after having thought our loan type had been determined for over a month, our loan officer informed us that the product for which we had originally contracted was not available after all and, to make it available, would require an interest rate that would have been prohibitively expensive. When we asked the seller for an additional week that VeteransUnited Home Loans demanded to process the revised contract through underwriting, the seller refused to extend the deadline unless we paid the full appraisal price. We wanted the house and feel that that mistake cost us {$5000.00} extra to get to the appraisal price or certainly lose the house. We hold our loan officer 's team responsible for our lack of leverage at this critical phase in the process.

Furthermore, in order to get the original rate, we were compelled to replace my wife with our daughter on the deed and, because shes only XXXX XXXX XXXX, she has not had an opportunity to achieve an " Excellent '' due to her immature credit history, that cost us .75 % ( {$2200.00} ) to maintain the same interest rate.

So, {$7200.00} poorer than we bargained for, we feel cheated and mistreated and would not come near VeteransUnited Home Loans again and persuade everyone we speak to do the same. Any remedy you can suggest we pursue would be very welcome. 
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 2023-10-04
Company: ENCORE CAPITAL GROUP INC.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Please find the attached documents. 

I dispute the debt that Midland Credit Management purchased from XXXX XXXX Bank and assert my rights under the arbitration agreement in the original credit card agreement. As the debt purchaser, Midland is bound by these arbitration terms. 

While I acknowledge that arbitration can be costly, often exceeding the debt 's value, I'm willing to resolve this matter amicably without the need for arbitration. 

I want to mention that my personal email was shared with XXXX XXXX for debt collection, despite my request for arbitration. Additionally, Midland has not provided proof of my liability for the alleged debt, which I have no record of creating with them. Their provided statements do not establish ownership or the provision of services or credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06
Company: Experian Information Solutions Inc.
State: TX
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:
This is the second time I've sent a letter to the credit bureaus to correct this erroneous information. I will file a lawsuit against you because I think you failed to verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I had brought up this in my prior COMPLAINT #, and I'm discussing it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX 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 XXXXXX/XX/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