BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-17
Company: WELLS FARGO & COMPANY
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Fraud or scam

Complaint:
I came to the Wells Fargo establishment in XXXX. Store location XXXX. The service manager XXXX XXXX XXXX XXXX XXXX refuses to give me my money. 

I arrived to the bank the first time to withdraw {$3500.00} and she XXXX XXXX XXXX XXXX said I needed my drivers license I used to open my account ; even though I had my ID with the same address on it. Ive also withdrawn money using my ID previously. 

I went home and came back stood in the long line with the appropriate credentials ; I was called by a gentleman teller who just started his shift because I was in the long line outside when he walked into the bank. 

He told him my request and he was assisting me. I filled out my deposit slip and passed it to him and as He was typing : She XXXX XXXX XXXX XXXX said something to him then told me : that since I didnt fill out some papers that the bank sent me in the mail ( that Ive never gotten ; nor seen ) she didnt even show me, nor offer to get the form for me to see. That I couldnt take out any money from the bank. Bank policy. 

I asked Whats The Policy? She told me you can Only Get Money from the ATM outside. Ive never felt more disrespected in my life. Why? What policy? 



And for the money to be held ; holding me up from my conducting my family business XXXX XXXX XXXX XXXX. is horrible. We have to pay a car off that comes with late fees if it doesnt get purchased within a short time period or potentially lose the car totally. 

I feel violated of some many levels as a man who does good business I like to keep those same ties as this is a new venture that is being ruined on their behalf. 

I felt like I was prejudiced. Treated unprofessionally and stereotyped by the service managers personal beliefs over the consistute over the rules that govern the bank as I expressed my dire need of the funds to conduct major business for my family company. But this is my second trust issue with the bank which is why I changed my direct deposit from them prior to this. 

But to be denied my funds To Run my familys company and conduct my day to day business as a small business owner is vital. But I asked to be treated with decency when I come into the bank in my pajamas before I get dressed for the day. 
As I get treated when I come into the bank with my clothes on. Thats fair, professional, trusted, leading business as opposed to bias based assumptions that cripple small businesses to paperwork!!! 

I would definitely like this bank to compensate me for all lost damages and time and treat me as a valued customer with respect and decency. They made me raise my voice in public to ask a question.

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 2021-03-17
Company: Southwest Credit Systems, L.P.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
A representative of " southwest credit XXXX '' in XXXX Texas continues to call and tells me I have outstanding debt. They state my current home address isnt what's in their file. I tell them to send a letter to my current address then. Clearly the name and phone number is verified but they state I, I have to verify more info before they will discuss- it's " company policy ''. They want more personal information but wont discuss what's owed nor who is owed. They refuse to send a letter to my current address until I give them more personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25
Company: Paypal Holdings, Inc
State: OK
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have not been able to access billing for my Pay Pal account with XXXX XXXX. I received a paper bill on my account yesterday. 

I attempted to sign in on internet and it says we are not able to confirm it is you. 

I almost fell over when I saw the balance was up to {$240.00}. So I called the number on the billing. I asked for the amounts charged and found three transactions totaling approximately {$50.00} at best. 

I asked for the fees to be removed and they went thru the approval system too get one for {$41.00} removed at that time I then asked for the customer service representative or a phone number to contact them. I was told they didnt have access to that. She stated I would have to call the bank So again I asked for contact information and she was not able to provide it. 

I told her that I believed these fees had been limited by a recent law. She then said I am not able to access that information. 

She then asked me for payment in full and I offered a {$50.00} payment. She accepted and it was processed. 

She then said if I paid the balance by XX/XX/XXXX there would not be any fees added. 

I told her I would be contacting consumer credit and will find out if this is a legal practice. To charge four times the balance in late fees. Then would make the payments if found to be wrong. 

{$41.00} dollars monthly on a {$50.00} charge for five months is absolute consumer XXXX. Please advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27
Company: BARCLAYS BANK DELAWARE
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
On XX/XX/XXXX I was making an online purchase at XXXX. During checkout I received a promotional offer to apply for a XXXX XXXX from Barclays Bank, and use it for this first purchase and receive 30 % off my purchase. I was immediately redirected to the Barclays XXXX site to apply. I received instant approval and was returned to the XXXX XXXXXXXX site to complete my order. The new XXXX was now showing as a payment option and I selected it to complete my purchase. It even showed below it that my savings by using this card for my purchase of {$100.00} would be {$32.00} for a new total of {$76.00}. I did not receive the promotional discount. I called Barclays on XX/XX/XXXX, XX/XX/XXXX and again on XX/XX/XXXX, speaking to managers each time. I was repeatedly assured that it would be resolved and I would get a callback. I never received any call, and the reason was different with each person I spoke to. No one seemed to have any knowledge of the promotions being offered and it was very obvious that I was speaking to a foreign call center. The customer service I received was awful and I got no help at all resolving this issue.

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 2021-05-06
Company: Avant Holding Company, Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Avant has since last year been repeatedly changing the payment status on an older, closed account on my credit report. The changes have done damage to my credit score via XXXX and have been performed at least once a month, with one change on XX/XX/XXXX having resulted in a 70 point drop to my credit score. ( Please see attached document ) I've disputed with XXXX without result.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of Identity theft. Please delete or remove these items on my behalf. These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16
Company: Finance of America Holdings LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I own 2 properties, a XXXX and a parking spot under 1 mortgage. I refinanced in XX/XX/XXXX. In XXXX of XXXX my servicing and escrow was moved to XXXX 

In early XX/XX/XXXX I received a final notice on unpaid property taxes on my parking spot, and was notified I could lose the property in 30 days if not paid. I paid the tax bill and penalty on my own. Today I saw the property taxes for this property were removed from my account XX/XX/XXXX. When I inquired with XXXX  customer service insisted they were paid correctly. I then got on the phone with the city of XXXX treasurer customer service who confirmed they received my payment but not from XXXX. Then after a second phone call XXXX  customer service agreed they had not made the payment with the funds made from my account. Another payment was made from my escrow XX/XX/XXXX for property taxes due XX/XX/XXXX but I have no way to confirm if its being made correctly until its too late. I found customer service to be evasive and unable to remedy in an appropriate time frame. It is unclear why these payments were not made to begin with but I would guess it has to do with when my account was moved. 

Additionally my monthly payment has moved from XXXX to XXXX dollars this month. Between XX/XX/XXXX and XX/XX/XXXX my XXXX dispersion has moved from XXXX to XXXX, with the additional dispersements in new line items that can not be explained by customer service after I spoke on the phone with them this afternoon. This may be correct ( I don't think so but I'm not certain ) but they are unable to explain the increase and given previous errors i must now insist on full explanations for all these projections There have been other issues with XXXX that I am bringing up now. I have been unable to access tax documents on a computer due to website issues. I've tried multiple computers and tablets and multiple browsers. They insist its not an issue because I can get them on the app.

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 2021-10-08
Company: Fay Servicing, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Since XX/XX/XXXX we have been attempting to work with Fay Servicing on a loan modification or any other assistance to allow us to keep our home. We have been denied with no explanation, denied due to lack of income, denied due to excess equity/assets as well. The reasons change each time and information given by call center representatives is not consistent. Our initial case manager was XXXX XXXX, good luck receiving a call back or response to emails. 20 months later, we are now with XXXX XXXX and supervisor XXXX XXXX. XXXX recognized in the system, after our MANY calls that issue was with their office and not our error with loan modification. In XX/XX/XXXX documents were sent with my wife 's maiden last name. We contacted Fay twice and was told new documents would not be sent that a notary will still assist us. Wrong, was denied by notary at our credit union because name did not match. XXXX collected our payments we had been trying to pay and had new documents sent to us. XXXX tracking and Fay confirmed they received them on XX/XX/XXXX. We were told to keep paying as agreed {$1800.00}, which we have. Today, and the last few days, Fay has refused to take payments due to foreclosure. What foreclosure, we have never been informed of this. XXXX emailed VP of loss mitigation a few months ago, no response. We have not received monthly statements for several months. We have emailed several times just this month asking why we don't have access to full account & why they never send statements. No response. We are also told there is a system glitch that refrains system from accepting our loan modification and cant override template.They are trying to figure it out. Teams and departments, do not communicate with one another. We are trying to keep and save our home but Fay seems to want to keep it for themselves. We have an XXXX statement that shows XXXX is owed, I dont understand where this amount comes from since we have been calling in payment every month. I dont understand why this month, all of a sudden we are not allowed to make any payment. I dont understand why Fay did not and has not worked with us during Covid-19 crisis. Fay was informed several times, I was hospitalized 4 times, my father died unexpectedly, we were exposed by immediate family member and quarantined for almost a month. I was forced to retire due to medical issues and Covid-19. My wife received a paycut to avoid layoff due to Covid. Our credit union was willing to assist with refinancing just so we could get away from Fay but of course, Fay is not reporting our payments so it looks as if we are delinquent. We have also asked why one of the few statements we can access, shows foreclosure attorney fee and no response. Statements attached for review.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-24
Company: Ditech Financial LLC
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
We bought our home in XXXX XXXX was are mortgage company. Through the years from XXXX and XXXX, are mortgage jumped to XXXX, XXXX   XXXX XXXX, XXXX, XXXX, XXXX, Greentree, XXXX XXXX and everyhome now Ditech. We were never told about our mortgage being sold. Ditech is forclosing on us with a note dated from XXXX XXXX. There documents say they received our loan from XXXX in XXXX.but we were paying Greentree since XXXX. Because everhome sold our loan to them. That's the only time we got notice sale of our mortgage. We can never get anyone on the phone to discuss our loan. We had to use are son 's phone because it had a different phone number and immediately someone answered. But didn't show us having an account with them. So she transferred me. And was left on hold for an hour and 45 minutes. Just hung up. They say we can modify but keep saying there missing things. Now we're a little over a year of them refusing to except payments and not answering the phone. Also kept sending everything they asked for but keep getting letters and statements with different amounts owed. Or items missing. Horrible to drag customer 's along the longest they can, and cause them to get father behind when we could have payed our mortgage 4 months after the missed payments. There customer service knows nothing and you never talk to a representative. Something needs to be done.

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 2023-02-17
Company: LAKEVIEW LOAN SERVICING, LLC
State: NE
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
They simply have no way to contact them other than mail. I go to the website and log in. I then navigate to the Contact XXXX section, but that opens a new browser window where I am no longer logged in, and in order to send them a secure message, I have to be logged in. So I tried their XXXX number, but an automated voice says " We are experiencing high call volume, try our call-back service instead '' and then nothing happens. 

In 2023, the company that bought my mortgage ( I had no say in the matter ) shouldn't be allowed to simply not offer any immediate form of customer service, especially when they advertise both options on their website only to have them non-functional. I'm fed up with being forced to use such a poor company.

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 2022-11-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint not some company or not any other third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2021-03-17
Company: Resurgent Capital Services L.P.
State: CT
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 received a letter from the LVNV Funding ( Resurgent ) collection agency in XX/XX/2021, I requested debt verification. The company sent me a copy a statement. The statement was not dated. I received this on XX/XX/2021, I then requested validation of the debt, specifically, I requested that the company supply me with a copy of my signature, verification of the amount currently due and validation that the company is licensed to collect a debt in the state of Connecticut. As of today, XX/XX/2021 I have not received a response. Today I called the company at XXXX and asked for the compliance department. I spoke to a rep there who advised me that all they have is a copy of the statement and the terms. They do not have any additional information to validate the debt they are attempting to collect. Because the company did not respond to me within 30 days, nor validate the debt, I am requesting that they immediately cease and desist any future collection attempts and remove this debt from all three collection agencies within 15 days of today.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX  XXXX XXXX Balance Owed : {$5400.00} XXXX  XXXX XXXX  XXXX Balance Owed : {$2200.00} DEPTEDXXXX XXXX Balance Owed : {$170000.00}

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 2023-02-22
Company: Experian Information Solutions Inc.
State: SC
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX SC XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX, SC XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXX SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX  SC XXXX XX/XX/XXXX XXXX XXXX ( Original Creditor : MEDICAL ) XXXX Balance : {$290.00} ; XXXX XXXX XXXX XXXX XXXX : {$4700.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX : {$7400.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$200.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$780.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1600.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$620.00} ; XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$200.00} ; XXXX & XXXX XXXX XXXX Creditor XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1700.00} ; XXXX & XXXX XXXX XXXX Creditor : XXXX XXXX XXXX XXXX  XXXX Balance : {$1100.00} ; XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$2600.00} ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-03-17
Company: Shellpoint Partners, LLC
State: CT
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:
New Rez Shellpoint is reporting a commerical account on my personal credit. This is INACCURATE and needs to be corrected. I have put in multiple requests for them to remove this commerical loan from my personal credit but they are not deleting the account despite assurance that it will be removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation