BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL
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:
Have bought clothes from XXXX XXXX on XXXX for XXXX dollars and then when i received them I did not like the poor quality so I returned them back to XXXXXXXX XXXX using their prepaid return label with XXXX  tracking number XXXX and XXXXXXXX XXXX received the return but they NEVER refunded me my money and until now I never received my refund back from XXXX XXXX So I disputed the charge with capital one credit card on XX/XX/ and until now capital one card has not resolved the case to my favor even though I RETURNED THE ITEMS AND I PROVIDED TRACKING INFORMATION THAT SHOWS ITEM RECEIVED BACK BY XXXXXXXX XXXX XXXX tracking number XXXX. XXXX XXXX is not refunding my money and capital one card is not permanently refunding my money Order number from XXXX XXXX XXXX I want my money back because I returned the items back to the seller and I want capita one Visa card to refund me my money permanently

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-04-05
Company: PENNYMAC LOAN SERVICES, LLC.
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
PennyMac received {$470.00} in prepaid interest when they bought my mortgage from XXXX XXXX on XX/XX/XXXX. The loan was almost completely paid off on XX/XX/XXXX. But a recent payoff demand statement does not account for the pre-paid interest collected at closing. Is it possible that PennyMacs system just ignores prepaid interest they receive and customers dont notice it because they usually dont pay their loans off immediately? 

please ask PennyMac to explain the payoff calculation. If you think an investigation of their system is in order because this is a general practice, that also would make sense. 

here is the history of my loan all of these dates and values are from PennyMacs website : XX/XX/19 new loan, balance {$230000.00}. {$850.00} collected as prepaid interest for XX/XX/XXXX XX/XX/19 loan sold to PennyMac who took a {$470.00} discount for 17 days of interest ( XX/XX/XXXX XX/XX/XXXX ) XX/XX/19 principle pay-down of {$200000.00} XX/XX/19 principle pay-down of {$30000.00}XX/XX/19 regular payment of {$1800.00} of which {$120.00} was interest and {$1600.00} was principal. The remaining {$90.00} went to Escrow.

XX/XX/19 the principal balance is now below {$2500.00} and id like to pay the loan off.

XX/XX/19 Payoff demand letter shows : XXXX {$2400.00} principal balance ( correct ) XXXX ( {$9.00} ) interest due ( wrong! ) XXXX {$13.00} recording fee and release cost so, total interest ive paid is : {$850.00} + {$120.00} = {$970.00}.

with the loan almost completely paid off by XX/XX/XXXX, the total interest due on the mortgage is around {$580.00}. So i would expect an interest credit of around {$390.00}. However, the payoff demand letter shows an interest credit of less than {$10.00}. 

i would like PennyMac to explain where the other {$380.00} went or credit that to my account so i can pay off the loan. Numerous attempts to communicate with PennyMac have gone unanswered. 

again, if PennyMac routinely accepts prepaid interest without crediting customer accounts, then every PennyMac mortgage customer has lost this money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07
Company: WELLS FARGO & COMPANY
State: UT
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX I received a phone call from my bank, Wells Fargo, that ended in me getting scammed out of {$3500.00} through the XXXX money transfer service. The number that called me even came through as the number associated with Wells Fargo customer service line. After waiting 2 weeks and not hearing anything, I called Wells Fargo who then informed me a decision had been made, and I would not be getting my money back. The institution receiving the funds refused to refund them and, as I learnrd, XXXX does NOT protect against scams.

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 2023-01-18
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: Investigation took more than 30 days

Complaint:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-13
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Hello, My issue is with my Credit Card at Wells Fargo company. The card number ending in XXXX. I opened my account at Wells Fargo around XX/XX/2023. On the day I just active the credit card, I started to receive Fraud/unauthorized transactions activities in this credit card. 

Therefore, I never used this credit card to make any purchase. And I contacted with Wells Fargo Fraud department and told them that those are all fraud transactions and please closed my account. 

Now, my account is closed, which I really appreciate for your help. However, my credit reports shows I have 2 late payments from this credit card. I think this is unreasonable. Since those are fraud activities, I don't think I have to entitled the 2 late payments on my credit reports.

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 2019-11-03
Company: Phoenix Financial Services LLC
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:
I noticed an account placed on my credit by this company and took the initiative to call and asked for validation of the debt in order to resolve and reconcile the account in question. I recall speaking to a female representative who informed me I would receive an Itemized bill to breakdown the charges as well as services render. I provided both my email and mailing address and have yet to receive document to date. Around that same timeframe the company did remove the account from my credit in which I thought was to have me validate and confirm charges with the requested documentation, NOPE! ( Because I never got it ).  Ironically they placed it right back which affected my score immensely. How do you want me to pay a debt but refuse to send me documents? its been more than 6 months since I requested this! Not ethical or logical! Furthermore, if they are refusing to validate the debt it is not fair practice to keep placing this on my credit and then later decide to remove it just to place it back.! Collecting on a debt but refusing to send proper validation! Unbelievable!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27
Company: EQUIFAX, INC.
State: CA
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:
UNDER 15 USC 1681 CONGRESSIONAL FINDINGS ( a ) and fairness and accuracy of information has been violated because ive sent a letter clearly showing the errors and inaccuracies

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
ION XX/XX/XXXX  I RECIEVED AN EMAIL FROM PRE-PAID BANK OF AMERICA CONFIRMING THAT I AUTHORIZED A PIN CODE CHANGE TO MY EDD DEBIT CARD. IT HAS BEEN OVER 14 MONTHS SINCE I HAVE SEEN OR USED MY BANK OF AMERICA EDD CARD. I ASKED BANK OF AMERICA EDD *WHY WOULD BANK OF AMERICA PUT XXXX ON A CARD THAT HAS NOT BEEN USED IN OVER 14 MONTHS *HOW WAS THE CARD AUTHORIZED TO MOVE OVER XXXX TO A XXXX XXXX ACCOUNT THAT DOES NOT MATCH MY NAME NOR ADDRESS * BANK OF AMERICA DID NOT RESPOND TO ANY OF MY QUESTIONS. I NEVER RECIEVED ANY COMMUNICATION REGARDING THE STATUS OF MY CLAIM SO I CALLED BANK OF AMERICA ON XX/XX/XXXX  TO CHECK THE STATUS OF MY CLAIM AND I WAS INFORMED THAT MY CLAIM WAS DENIED... 
* THEY HAVE NOT PROVIDED ME WITH ANY REASON OR HOW ARE THEY CONVINCED THESE ARE MY CHARGES THAT I MADE. 

THE EMAIL REGARDING MY PIN CHANGED WAS SENT ON THE XXXX  OF XX/XX/XXXX  HOWEVER I DIDENT ACTUALLY CHECK MY EMAIL UNTILL THAT NIGHT OF XX/XX/. AND THE FRAUD CHARGES HAD ALREADY HAPPEN. I HAVE FILLED A CLAIM WITH BANK OF AMERICA AND WOULD LIKE TO PURSUE INVESTIGATION INTO WHO PLACED THESE CHARGES. MAYBE A IP ADDRESS OR VIDEO FOOTAGE FROM XXXX XXXX XXXX MIGHT HELP FIND WHO HAS DONE THIS TO ME THE FOLLOWING CHARGES WERE UNAUTHORIZED AND FRADULENT CHARGES XX/XX/XXXX  XXXX XXXX XXXXXXXX {$5000.00} XX/XX/XXXX XXXX XXXX XXXXXXXX {$5000.00} XX/XX/XXXX  XXXX XXXX XXXX XXXX {$500.00} XX/XX/XXXX  XXXX {$150.00} XX/XX/XXXX  XXXX {$270.00} XX/XX/XXXX  XXXX {$220.00} XX/XX/XXXX  XXXX {$130.00} XX/XX/2023 XXXX {$200.00} XX/XX/2023 XXXX {$280.00} XX/XX/20XXXX XXXXBILL PAYMENT {$860.00} ACCOUNT ENDING IN XXXX FRAUDULENT TRANSACTIONS 11 TOTAL FRAUDULENT CHARGES {$13000.00} XXXX XXXX  TRANSFER PRE PAID BANK OF AMERICA CLAIM NUMBER XXXX have reached out to bank of america pre paid and filled a claim and recieved confirmation of claim on XX/XX/.

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 2023-11-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
XXXX XXXX XXXX XXXXXXXX also CAPITAL ONE XXXX15 USC 1681 section 602 A States I have the right to privacy. 15 USC 1681 section 604 section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report more than seven years. 15 USC 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any consuming reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate I HAVE NEVER given authorization nor permission to report to credit nor do i have an account with this agency! My rights has been violated and they are in violation according to the statutes mentioned above

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-27
Company: EQUIFAX, INC.
State: MD
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I was not aware that I could opt out.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-03
Company: Bread Financial Holdings, Inc.
State: MT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I never applied for this and would like it immediately removed. This was the result of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-24
Company: Resurgent Capital Services L.P.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My account was originally with XXXX XXXX XXXX. My credit card info was stolen and someone charged hundreds of dollars from a hotel company in XXXX on XXXX XXXX of XX/XX/2018. The credit card company refused to take it off after multiple attempts and closed the account due to it being over the credit limit by an extreme amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-18
Company: ALLY FINANCIAL INC.
State: MI
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I paid off my lease with a certified bank check on XX/XX/2021 and the check was cleared on XX/XX/2021. Since then, Ally Financial has not sent me anything. During multiple calls on their Customer Support ( XXXX ) line they said that the documents will be sent to me. They also provided a number for Ally Remarketing Department, XXXX. I spent total 5hrs+. trying to talk to somebody who could help. The line is a dead end. 
In Michigan, the lender must notify the secretary of state within 15 days of receiving a final payment. 
Three weeks after they received my payment, I had received nothing from Ally. By definition A lienholder is a lender that legally has an interest in your property until you pay it off in full ''. They received my money and have no legal interest in my car as a lienholder anymore. The amount of time to process the payment and release the title is way beyond reasonable since a processed transaction means the bank has verified the transaction amount and has adjusted the funds accordingly between the bank accounts used.. 
Ally Financial is seizing my title hostage violating my rights to sell the vehicle. I do not owe a penny to Ally and still can not sell my car. Ally Financial does not send me anything ( lien release, buyout package or the title ). They do not refuse to send the documents ; they just simply do not send them. 
I have been unsuccessful with getting anything directly from Ally Financial. I hope that the CFPB will assist me with this matter, Ally Financial honors the agreement and releases the title to the vehicle.

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 2020-09-23
Company: R & B Corporation of Virginia
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XXXX XXXX I estalbished an account with frontier communications they came to my home on XX/XX/2019. I was not at home when installing but my mother was there and she connected her computer to the wifi it work after the guy installed it. When I came home the internet was not working and I could not connect to the wifi. I tried rebooting with reset button and it would never connect to my laptop. The next day I called for trouble shooting and waited in line for them to tell me they would call me back within 24 hrs and no one ever did. I called back 2 days later ( went out of town ) I waitied on hold for 30 mins to do trouble shoot what was the issue. She told me she was giving me credit on the bill because my services were not working when asked what was my solutions because i wanted to cancel services because there were connections issues and didnt like I how I was treated with the hold time and no one not knowing how to fix my issue. I am now seeing on my report that they have placed me on collecetions for servoces that never worked and they promised they closed the bill and i was not going to be charged.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-24
Company: Global Payments Check Services, Inc.
State: MT
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
THIS IS A DUPLICATE ENTRY TO XXXX XXXX WHICH I ALREADY SUBMITTED A COMPLAINT REF XXXX. IT IS AGAINST THE FCRA TO DUPLICATE REPORT DEBT. SINCE THIS WAS SOMETHING THAT I ORDERED AND CANCELLED AND PAID ANYWAY AND SINCE IT IS A DUPLICATE IT NEEDS TO BE REMOVED

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 2019-06-28
Company: Capital Credit and Collection Service, Inc.
State: OR
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
In XX/XX/XXXX, I received a CPAP machine for XXXX XXXX from XXXX XXXX XXXX XXXX in XXXX XXXX. I was XXXX. They told me my insurance would pay for the machine for a year and then I would own it. They did not tell me they don't take XXXX. They knew I was going to XXXX XXXX for several months for ecclesiastical classes.They knew my XXXX birthday was in two months. After my XXXX birthday in XXXX, and knowing I was then in XXXX XXXX, XXXX XXXX informed me that they don't take XXXX. They demanded the machine back or payment in full. I said I would return it when I returned to my home in XXXX   but was required by my church to stay in XXXX XXXX until my classes were done. XXXX XXXX is a life threatening condition so I could not return the machine without being able to replace it ( and finding an XXXX and then replacing it temporarily in XXXX XXXX would have been very difficult and would have taken me away from my classes. ) When I returned to XXXX, I attempted to return the machine to XXXX XXXX but they had already sold the debt to Capital Credit in XXXX Oregon. I received no letters from Capital Credit. In early XXXX, a Capital Credit representative called me. I explained the situation. She said she would note this for my file and would contact XXXX XXXX. I told her I still had the machine, it was in good condition and I could return it. ( I had obtained a new XXXX machine from a supplier In XXXX that does take XXXX. ) After this phone call, I received nothing from Capital Credit ; no letters or phone calls. In late XXXX, I found a collection report from Capital Credit at XXXX and XXXX. I disputed it.. In XX/XX/XXXX, Capital Credit sent me a letter saying they were enclosing the documentation I had requested and the amount had increased by {$790.00} to {$2000.00}. I had not requested documentation, I had disputed the debt. I called Capital Credit several times and left messages but no one ever called me back. And they sent no further collection letters or calls since that one in XXXX and it is now XX/XX/XXXX. I still have the machine. It is in good condition and could be returned to XXXX XXXX. I am a minister in my church and I have no other credit collection reports at the credit agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-20
Company: Paypal Holdings, Inc
State: TN
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I had sent a transfer for an item for the amount of XXXX $ on XX/XX/XXXX to be completed on XX/XX/XXXX and the seller has since said that his account no longer works and to send it to a new account. The seller won't answer my messages or calls and will not refund the amount. No confirmation the item has been sent, and in trying to create a dispute that PayPal backs its marketing on financial security. Their website does not work and I can not make a complaint. When I call PayPal 's customer service I can never get a representative and the line always goes dead before any resolves had been made. Looking at previous comments made by other users, many people have the same issues that do not seem to get resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
There was unauthorized checks cashed in to my account that I had not authorized and next day a Wells Fargo agent called me and said we are closing your account and you can't get nothing out of it and I been with them since 2015 and I have been having trouble with my account and no banker would help me get a new checking account only thing they would do is send me a new card and money I lost never returned

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 2021-11-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I consumer, XXXX entered into a consumer credit transaction with Capital One starting in XXXXCapital One violated me in the following ways. I did not receive enough information to verify debt, or any mail notices to my current address after my request to them to verify the debt they claim I owe. I keep getting harassed with email notifications from Capital One with my personal information and not disclosing they are in a attempt to collect debt from me which is a violation according to 15 USC 1692d. And all 3 of my accounts were closed without my consent, due to a bank issue. After accounts were closed without my consent Capital One still charged me late fees for months after accounts were closed without my consent.

Company response to consumer: Closed with explanation