BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-22
Company: WELLS FARGO & COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
They changed me so much money overdraft Fees

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 2021-02-06
Company: Paypal Holdings, Inc
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Wrong amount charged or received

Complaint:
Venmo charges : In XXXX of last year, I had {$14000.00} transferred into my acct from my brides for upcoming weddings ( I am XXXX  employed and have XXXX XXXX XXXX XXXX XXXX business ) I pay for my flowers using my Venmo card. They take out {$1000.00} every time I receive my flowers that goes towards my bill with XXXX XXXX. And they only take out when I receive flowers from them, not on any other days. On XX/XX/1921, XXXX and XXXX Venmo took out a {$1000.00} on each of these day but I didnt have any flowers delivered to me on those dates. I NEVER get flowers on a Friday, Saturday or Sunday. XXXX XXXX is not open on XXXX to deliver and they are closed on Sundays! ) The XXXX was on a Wednesday but I didnt have a wedding that week. They not only withdrew the money from my Venmo acct but also tried to reload from my personal banking acct as well. When they did this it caused my bank to have several overdraft fees not only from the money they tried to get but also caused checks I had written as well to overdraft. Along with taking out other transactions from my bank acct as a Venmo reload as well. I had more than enough money in my Venmo acct to cover all of these fees, so they were paying themselves twice for 1 transaction. I contacted Venmo, using the chat button because there is no way to call Venmo. XXXX said she could not find my transactions from my brides sending me money and I asked if maybe that was the whole problem. On XX/XX/XXXX, they froze my acct because they said I owed them {$840.00} on XX/XX/XXXX they gave me a temporary credit of {$1000.00} for each the XX/XX/1921, XXXX and XXXX transactions but they took out {$1000.00} for what they say I owed them for them leaving me {$2900.00}. Before they could take any more of the money, I transferred as much of it as I could out of the acct. But I could only send {$1000.00} to my bank acct, it would not let me transfer any of the remaining money. So I sent {$1900.00} to my XXXX and she then sent it to my bank acct using XXXX. I immediately closed my acct with Venmo and they finally sent me an email telling me after investigating they found no wrong doing on their part and I now owe them {$4000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22
Company: WELLS FARGO & COMPANY
State: NM
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
The amount was {$870.00} and it was deposited amount was in there and then they tried to charge months later and set the account negative which put a hardship on me which made no sense we paid a negative amount that was not even supposed to be charged and we shouldnt have paid and tried contacting and doing a complaint and kept giving a run around saying we owed that when we clearly didnt we had money in there and never overdrafted that money. The Date was XX/XX/2022

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 2021-09-14
Company: DISCOVER BANK
State: CT
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: Card was charged for something you did not purchase with the card

Complaint:
In XX/XX/2021, my Discover Credit Card was stolen and purchases were being made without my permission. From XX/XX/2021 to XX/XX/2021 my card was charged {$11000.00}. When these transactions took place Discover failed to notify me that these transactions were happening. They did not call me or message me asking if I was making these purchases. One of the charges included was a hotel charge in Florida of over {$4000.00}, how can they charge me for that and not call me to confirm it was me. In addition, I only have a {$9500.00} credit limit on my account, so how in the world did my balance jump to {$11000.00}. They have deemed that the transactions are valid, even after I provide proof that I was in CT with credit card statements that showed my presence in CT through purchases I made. I have cooperated with them to the best of my ability, yet they have failed to help me in this terrible situation. They have failed to protect me in this situation and have left me in a position with a debt that I can not afford. The negative impact on my life will be astronomical from this situation, and the only thing they care about is themselves and taking advantage of their customers. They also provided zero proof that I benefited from any of the transactions. 

In addition, there were two fraudulent plane ticket purchases and two fraudulent hotel rooms both booked during the same week. Discover was claiming that I was in two different places during the same week, their only explanation was that my name was on there providing zero proof of their claim. After speaking with XXXX XXXX from the executive office of discover he told me that the only way that they would open the case up is if I file a police report. I went to multiple police stations to try and get someone to write a report for me and they all said the same thing, " We do not write police reports on credit card fraud because of its international nature. '' Yet Discover continues to tell me that I need one. They have pinned this debt to my name with no worry in the world. XXXX XXXX from discover has not been helpful to resolve my issue and has not returned my phone calls. Discover does NOT protect you if you are a victim of fraud. This is my third time writing a complaint with them and its been close to 6 months since the fraud occurred, nothing has changed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24
Company: WELLS FARGO & COMPANY
State: OK
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I was in a loan modification plan with Wells Fargo. I completed all payments etc, but instead to fixing the loan they sold it off to XXXX XXXX, which ended up costing me more money and loan was never moditified.

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 2021-02-06
Company: Better Mortgage, Inc.
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I applied for a refinance with Better Mortgage. I locked in a rate of 2.37. The appraisal on my house came back significantly lower than an appraisal that was completed in XX/XX/2019. When I spoke to the loan officer, XXXX XXXX, she said there was no issue with the lower appraisal. It just required the loan amount to be dropped a few thousand dollars. We continued the loan process and I incurred costs for a mortgage payment and just the general strain of getting documents together. As we were ready to close, I asked why the rate on the lending disclosure was 3.0 and not the 2.37 which had been locked. It took several days for them to get back to me. XXXX XXXX finally emailed me and told me that because the appraisal was lower than what was on my application, they had to raise my rate. XXXX XXXX never responded to any other email I sent regarding how nobody told me the rate was raised until we were at the final stages. I received no response to a question on what amount of loan would be subject to the locked 2.37 %. I got an auto generated email from Better with my appraisal. I also got a refund to my credit card from better with no explanation. To be clear, better emails you constantly with updates, questions and posts everything on their website. But they provided no information to me. They also appear to have removed my documents from the account. 

A company should not be allowed to significantly change the interest rate at the last minute. They also should not be allowed to just end communications once you inform them that youre not willing to allow that type of behavior. 

Had XXXX XXXX informed me the appraisal would increase my interest rate so significantly, I would have challenged the appraisal immediately. I have a current appraisal that sets the value far higher. But I was not afforded any opportunity to address the issue. And Better cut off all communication. 

They tried to rush me into doing a mortgage that would save me {$40.00} a month. Why would anyone be willing to do that.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-22
Company: EQUIFAX, INC.
State: GA
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:
First, Let me just say that I have disputed two alleged medical collections with Equifax ( the only collections on my Equifax credit file ) for about 2 years now only for them to say the debt is verified. Now according to the FCRA, in order for Equifax to report this debt, they must provide me with the complete and accurate information from the reporting agency. As you will see from the pictures, they have incomplete data for the collection agency. There is no collection company name, address or phone number for this so called medical debt. Again, according to the FCRA, Equifax must provide this information in my Credit File in order for them to report this debt, so that I may be able to question the collection agency who is reporting this information to Equifax. Also, there are incomplete account numbers but the numbers that they do provide ( which are VERY SUSPICIOUS and I think you'll agree ) are extremely similar with the only difference is one is for {$250.00} and the other for {$350.00}. Also, if you'll take notice that the allege debt for {$350.00} was reported on XX/XX/XXXX and then three months later the allege debt for {$250.00} was reported on XX/XX/XXXX. Seems strange that these two medical collections would be so similar in amounts and allege account numbers to be reported by the same collection company EXACTLY 3 months apart. So to this end, I did some research ( which I shouldn't have had to ) to find out that these two medical collections are being reported by a XXXX XXXX XXXX, XXXX. I have reached out to them several times to get these bogus debts taken care of and removed from my Credit Report to no avail. Back in XX/XX/XXXX, I asked them to send me original documentation that bares my signature for these two debts that says I entered into an agreement with XXXX XXXX XXXX and I now owe XXXX XXXX XXXX " X '' amount. I have yet to receive such documentation. Now, I'm a pretty reasonable person ( more like desperate now that I'm trying to become a homeowner ), I reached out to them again by phone in XXXX of this year and spoke with a representative to try to resolve this debt once and for all. Although, I DO NOT believe this debt belongs to me AT ALL, I just need the collections gone ( to be able to purchase a home ) so I offered to pay them 25 % of the debts as long as they would remove them from my Equifax Credit Report, since the amounts are small. However, the representative told me that they would not be able to delete the accounts ( but they were willing to take my money- go figure ) I would like both of these egregious accounts deleted from my Equifax Credit Report because 1 ) they do not meet the FCRA requirements and they are hindering me from purchasing a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-07
Company: SYNCHRONY FINANCIAL
State: SD
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 pulled my XXXX  credit report on XX/XX/2020, and noticed that there was a " Regular '' ( hard ) Inquiry that was not made by me. The inquiry was fraudulent ; made by someone trying to open a SyncBAmazon account in my name. The account was not approved, luckily. Here is the inquiry, as it appears on my credit report : SYNCBAMAZON XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Requested On : XX/XX/2020 Inquiry Type : Individual I filed a dispute with XXXX asking that the hard inquiry be removed. They responded that I should " contact the creditor directly. '' I called SyncBAmazon on XX/XX/2020. They agreed that the credit request was fraudulent, and said they would notify XXXX that is was fraudulent. 

When I pulled my credit report on XX/XX/2020 to see if it had been removed, I noticed that the hard inquiry was still there. So I called SyncBAmazon again on XX/XX/2020. They said they had already notified XXXX  that the hard inquiry was fraudulent ( after I had called on XX/XX/2020 ), but that it takes 60-90 days for the credit bureau to update their information. They also said they would notify all 3 credit bureaus again on that day ( XX/XX/2020 ). 

It has now been over 4 months since I notified both XXXX  AND SyncBAmazon. This fraudulent inquiry needs to be removed from my account ASAP, and I shouldn't have to spend so much time getting it fixed.

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 2019-06-20
Company: TekCollect Inc.
State: NH
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:
Original creditor was XXXX XXXX XXXX XXXX. I was renting and filled the 50 gallon tank assigned to my apartment just prior to moving out. I was expecting a credit based on the amount of oil left in the tank upon my departure, but instead my account, with amount due alleged to be {$700.00} to Tek Collect Inc., on XX/XX/2018. I have called said creditor multiple times to attempt to remedy the situation. The last call I made in mid XXXX where I was informed that XXXX had stopped the collections process and said delinquency has dropped off of two credit reporting agencies, however XXXX still reports it as in collections and I am unsure how to proceed in correcting this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-23
Company: ZWICKER & ASSOCIATES
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXXk and Zwicker & Associates tried to collect a debt that was beyond the statue of limitations and forced me into a second arbitration after XXXX defaulted in the first arbitration. " XXXX 's dilatory conduct resulted in unnecessarily lengthy cloud over my credit history. 
XX/XX/XXXX, XXXX filed a claim against me in small claims court. 
XX/XX/XXXX, case went into arbitration. 
1. XXXX XXXX failed to pay arbitration fees. XXXX XXXX XXXX made several attempts to collect arbitration fees. XX/XX/XXXX, XXXX warned the parties that if fees were not paid in 30 days, they would assume that XXXX is not interested in pursuing arbitration. On XX/XX/XXXX, the case was closed by XXXX XXXX XXXX. This was a breach of XXXX 's contract agreement. 
2. XX/XX/XXXX, XXXX filed a motion to return case to active docket. " XXXX ( wrongly ) alleged that I failed to pay fee. One of the misstatements. 
3. XX/XX/XXXX, XXXX the case was dismissed without prejudice. The court stated leaving this open on my credit history is unduly prejudice. 
4. XXXXXXXX, XXXX, XXXX filed motion to vacate the dismissal knowing the statue of limitation had passed ( see page 4 of 13, # 4 ). XXXX asked to stay the case knowing they were in default for failure to pay therefore XXXX wasn't entitled to a stay ( see page 12 of 13, sect 24 ). 
5. XX/XX/XXXX, XXXX filed a 2nd arbitration. 
6. I filed several motions to dismiss case with prejudice. 
7. XX/XX/XXXX, I was forced to arbitrate ( the second arbitration ). XXXX never supplied me with documentation of the alleged debt and told the arbitrator they did not give me a copy. I told the arbitrator the statue of limitation had passed. The Arbitrator still ruled against me. 
8. I filed an appeal in the Court of Appeals of Indiana. I won my case on appeal. The Appeal Court stated the Small Claims Court had abused its discretion by granting XXXX 's motion and reinstating the action against me three years after the complaint had been filed and 2 years after the matter had bent sent to arbitration. 
9. The Appeal Court stated, " XXXX 's dilatory conduct resulted in unnecessarily lengthy cloud over XXXX 's credit history. '' " In it's motion to set aside the dismissal, XXXX offered no explanation for its inaction and no good cause for reinstatement. '' 10. XXXX and Zwicker & Associates clearly violated the FDCPA and FCRA I am attaching the Court of Appeal Opinion and the remanded ruling from the Small Claim Court. 
.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
They closed my accounts unexpectedly and wont respond to any of my complaints I filed against them this is not fair when Ive been a long time customer they dont want to do business with me and wont tell me why claim its under their contract horrible policies this bank is crazy Ive been with them for years and this is how they treat me I feel discriminated for being told I can never do business with them again or have any 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 explanation
Consumer complaint received 2019-06-20
Company: Paypal Holdings, Inc
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Two my initial complaints to CFPB received two misleading responds to obstruct justice. I am so angry that it is difficult for me to write. Paypal lies boldly and hope that they can be treated above the law and get away with their unfair practices. PayPal continue to keep my money imprisoned and do not allow family and friends option to move money from my account for free. They want 2,9 % to get from me. I never bought anything and never sold anything through PayPal. I just was sending money to family and friends and PayPal try to block MY MONEY. Isn't illegal financial abuse and crime to keep somebody's money for free on hold, blocked from the owner of the money? This message I sent them again and PayPal never answer my concerns. They act like career criminals. I demand sanctions against PayPal. Here is my message to them : I am sorry, I have no trust to PayPal anymore at all. I prefer to have conversation in writing and have on record what power abuse you practicing over my account. 

1. You refused to send money for free through family and friends option.

2. Now you refused to deposit money on my account through family and friends option for free..

3. You refused to send me PayPal debit cash card.

4. You gave me PayPal credit cash back card and after I used it once and pad right away the balance you did not like it and was blocking my attempts to use PayPal credit card anymore.

5. You submitted misleading statements to CFPB to obstruct justice and fair investigation. 

Your power abuse is outrageous and you demonstrate criminal behavior, because it is a crime to imprison somebody else 's money. I will demand for sanctions against PayPal for unfair practices. I am not going to thank you for imprisoning MY MONEY. I am supplying the copy of that message to CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-07
Company: Westlake Services, LLC
State: WA
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:
There were 2 credit inquiries on XXXX XXXX, 2021 by XXXX XXXX and XXXXWestlake Financial Services regarding auto loan. I didn't make any inquire for auto loan application in last one month. I checked my credit score on the same day on XXXX XXXX XXXX website and found these inquires which I didn't recognize. I reported it to XXXX I also enabled temporary credit fraud alert on 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 2019-08-08
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I recently changed cell phone providers which caused a notification on my account to verify my phone number. The phone number itself did not change but the account would no longer allow me to make XXXX transactions untill my number was verified. I called three weeks ago to put in a manual update request. After 7 business days ( i was told processing takes 5 days ), i checked and the information was still not verified even though i recieved a confirmation email. I called back and the customer service agent put in another expedited request and the number is still not verified. I do not have access to transfer my funds untill this system error is corrected.

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 2023-12-14
Company: EQUIFAX, INC.
State: CA
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief