BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-04-25
Company: WELLS FARGO & COMPANY
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
In XX/XX/XXXX-XX/XX/XXXXI was forced insurance when I was covered by my own XXXX XXXX. I was given years of fees, aprox. {$2000.00} and insurance aprox. {$3000.00}. that was added to my auto loan. Not knowing they were being under investigation in XX/XX/XXXX-XX/XX/XXXX for insurance fraud and fees. I was trying to do the right thing by trying to resolve my insurance problem, during this period i provided them with my auto insurance information to the Presidents Office by faxing it numerous times in XX/XX/XXXX. What I did not get, that I did not hear from them and I was still trying to reach out to them with no call backs. Until XX/XX/XXXX i was mailed a letter which they charged of my account, I suppose they did not want me to be aware of the scandal they were having. It is time they take responsibility for their actions and all the stress they caused me.

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 2023-08-27
Company: WELLS FARGO & COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Firstly, I paid My state of XXXX. state income taxes. They never received a payment from Wells Fargo Bank. Secondly, I made a payment to XXXXXXXX XXXX XXXXXXXX XXXX, who also didn't receive money withdrawn from My checking account. XXXX XXXX credit card # XXXX XXXX XXXX XXXX. Lastly, Wells Fargo brokerage illegally transferred stock certificates to XXXXXXXX XXXX XXXX  : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX without My permission. Kindly audit My brokerage account for illegal activities on the part of Wells Fargo Bank. The brokerage account number is XXXX Wells Fargo Advisors . Inconclusion Their are times when ; The fund I invested should have made XXXX  gains, but it decreased in value. I question If shares were transferred to conceal someone stealing from My account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06
Company: Paypal Holdings, Inc
State: MO
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other service problem

Complaint:
On XX/XX/12, our company received an email from paypal that a customer had sent us money. We did NOT have a paypal account, did NOT agree to any terms of service, and had NOT asked the customer to send the money via paypal. The customer simply put in our email address and Paypal took the money. 
We immediately did set up a Paypal account. However, significant information was then required. We had to pay a fee which we had not agreed to before setting up the account. And, now, XXXX weeks later, they have still not released the funds to us.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-26
Company: EQUIFAX, INC.
State: PA
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 have no affiliation with these creditors and I did not make this inquiry. Please remove it from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-30
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
Around XX/XX/2013, I was sent a XXXX XXXX Citicard I had not requested. When I activated my replacement Citi XXXX, the XXXX XXXX card was automatically activated too. I contacted customer service to close it and was informed that I couldnt close it without closing the XXXX too. Recently, Citicard closed the XXXX XXXX account without notice or explanation after refusing to for over 7 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 2021-11-24
Company: CAVALRY INVESTMENTS, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
THIS ACCOUNT ITS NOT MY ITS FRAUD. 

COMPANY : CALVARY PORTFOLIO ACCOUNT NUMBER XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-03
Company: I.Q. DATA INTERNATIONAL, INC.
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
On XX/XX/XXXX I received a final notice from my old apartment complex that said I owed the amount of XXXX or it would be sent to a collections agency. On XX/XX/XXXX, I received multiple harassing phone calls from IQ Data Inc. from phone numbers ( XXXX ) XXXX and ( XXXX ) XXXX. I received five phone calls from this number in a seven hour period, sometimes repeatedly, to my personal cell. As well as, two phone calls to my other number. Totaling seven phone calls in a seven hour period. I called the company back and spoke with a collections agent named " XXXX '' and verified he was making these calls and his supervisor. I informed them that this was harassment and I would file a complaint and to discontinue contacting me, they refused to acknowledge this request. I also have not received a 30 days notice. 

All of this information will be provided in attachment ( s ) below.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-03
Company: NATIONSTAR MORTGAGE LLC
State: MO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I closed on the sale of my house in XXXX XXXX, MO on XXXX XXXX, XXXX. The property was encumbered by mortgage held by Nationstar Mortgage dba Mr. Cooper. 

The payoff demanded was inclusive of interest through the end of XXXX which I questioned with settlement agent as mortgage is NOT a government loan. 

I have yet to receive from Nationstar/Mr. Cooper the  interest overage included in the payoff and seek to confirm this is acceptable practice given my payoff is shown as received as of XXXX XXXX and mortgagee has retained approximately 22 days of interest UNNECESSARILY. This is ROBBERY, unethical business practice by Nationstar. 

My inquiries to mortgagee via their website has resulted in their reply stating they need one week to research ....???? 

What is my recourse? Is Nationstar within acceptable standard to require this overage and withhold these monies for this long?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03
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: Account status incorrect

Complaint:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, XXXX XXXX sections XXXX within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT. 
XXXX XXXX {$1100.00} XXXX XXXX XXXX {$1500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03
Company: EQUIFAX, INC.
State: GA
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:
This is XXXX XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX****-Balance {$7300.00} XXXX XXXX  XXXX {$2300.00} XXXX {$0.00} XXXX XXXXXXXX****-Balance {$7000.00} XXXX {$0.00} XXXX {$53.00} XXXX XXXX {$970.00} XXXX {$1000.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX {$1400.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX {$2100.00} XXXX XXXX XXXX {$1000.00} XXXX XXXXXXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-30
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In late XXXX I received Nationstar/Mr. Cooper XXXX Statement for {$1100.00} & balance of {$97000.00} XX/XX/2018, mailed XXXX Check # XXXX, {$97000.00} to Nationstar/Mr. Cooper XX/XX/2018 Nationstar/Mr. Cooper deposited check in XXXX XXXX Account # XXXX XXXX payment of {$1100.00} was due by XX/XX/2018 XX/XX/2018 Nationstar/Mr. Cooper reported my account delinquent to XXXX, XXXX  and XXXX  Credit Reporting Agencies while in possession of {$97000.00}, labeled my Nationstar/Mr. Cooper Account Delinquent and charged a late fee of {$56.00}. 

It took 35 days for Nationstar/Mr. Cooper to refund my {$97000.00}, with additional interest charge of {$8.00} per day, an additional 7-day hold placed on Nationstar/Mr. Coopers check by XXXX before I could access the {$97000.00} and re-start the process. This took a total of 45 days. 


TIMELINE BREAKDOWN OF THE {$97000.00} XX/XX/18 Friday : Nationstar Deposits Funds XX/XX/18 Thursday : Nationstar Returns Funds to me ( via XXXX ) XX/XX/18 Saturday : I Deposit Funds, but they are held until XX/XX/18 XX/XX/18 Friday : Total Funds Available XX/XX/18 Friday : Nationstar Receives {$98000.00} The Payoff Amount for XX/XX/2018 was {$98000.00}. 
The Payoff Amount for XX/XX/2018 was {$98000.00} This 42 day time frame of my {$97000.00} being unavailable increased my interest charge by {$250.00}. 

XX/XX/18 Payoff {$98000.00} XX/XX/18 Payoff {$98000.00} = {$250.00} Attachment 1 Nationstar/Mr. Cooper XXXX Payment Statement Attachment 2 Cancelled XXXX Check XXXX Attachment 3 Nationstar/Mr. Cooper Payment Activity Please view the two Posted Payments date XX/XX/18 Attachment 4 Merged Credit Report Attachment 5 Nationstar/Mr. Cooper Loan History Please view Transactions XXXX XXXX Attachment 6 XXXX Deposit Slip

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I call the credit bureaus and told them i was a victim of identity theft. I was told to send all the proper docs to get these account removed. I sent in everything they ask me to and the accounts are still there.

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 2020-07-28
Company: Experian Information Solutions Inc.
State: NY
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 very distressed that you have included the below information in my credit profile due to its damaging effects on my good credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. No doubt the inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit recently which was highly embarrassing and has negatively impacted my lifestyle.

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 2023-07-24
Company: BARCLAYS BANK DELAWARE
State: CA
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:
On Friday, XX/XX/2023 I returned a loaner car to XXXX XXXX XXXX. Since there was a previous issue of being billed for fuel, I made sure that the fuel level was above the gallons when the car was received. On my XX/XX/2023 Barclays billing statement I disputed an amount of {$15.00} which I believe was an unauthorized fraudulent refueling charge by XXXX XXXX XXXX The dispute was ruled/credited in my favor for the full amount. I was issued a new card with a new number by Barclays. Upon receipt of my XX/XX/2023 statement, the charge of {$15.00} appeared again. I have just disputed the charge once again.

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 2021-12-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
This is XXXX XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX XXXX {$680.00} XXXX XXXX {$0.00} XXXX XXXX {$7300.00} XXXX XXXX XXXX {$2300.00} XXXX {$0.00} XXXX XXXX {$7000.00} XXXX {$0.00} XXXX XXXX {$970.00} XXXX {$53.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX {$1000.00} XXXX  XXXX ( Original Creditor : XXXX XXXX BANK ) XXXX {$1000.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX  ) XXXX {$1400.00XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX {$2100.00}

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 2017-09-11
Company: NATIONSTAR MORTGAGE LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I am currently in the foreclosure process with Nationstar Mortgage XXXX a.k.a XXXX XXXX XXXX. On or about of XXXX XXXX, XXXX Nationstar started the foreclosure process. Prior to that I sent them a check in the amount {$17000.00} to catch-up on my mortgage. This amount was good through XXXX XXXX, XXXX. On XXXX XXXX, they sent the check back to me telling me that the total amount required to bring the account current was {$21000.00}. I received this letter on XXXX XXXX. I contacted them the same day and was told that the number changed to over {$270000.00}. I am now being told that in order to reinstate my mortgage in need to pay them in excess of {$31000.00}. I have made numerous attempts to make payments to get my mortgage reinstated. I have also requested that they provide me in writing what legal fees I am required to pay them. I was told this morning that they do not have to provide that to me in writing. I have the means to reinstate my mortgage and move forward with making my loan payments. They are refusing to work with me. I so have equity in my home and I suspect that they are trying to force foreclosure so they can take my house and sell it for a profit. I am asking your assistance in this matter. 

Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28
Company: EQUIFAX, INC.
State: NY
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 very distressed that you have included the below information in my credit profile due to its damaging effects on my good credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. No doubt the inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit recently which was highly embarrassing and has negatively impacted my lifestyle.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: Experian Information Solutions Inc.
State: VA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.

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 2017-09-13
Company: NATIONSTAR MORTGAGE LLC
State: MS
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:
WHILE I WAS IN XXXX XXXX, MORTGAGE PAYMENTS THAT WERE MISSED WERE NOT REPORTED TO ME UNTIL THE CHAPTER XXXX XXXX IN XXXX XXXX. NATIONSTAR NOTIFIED ME IN XXXX XXXX THAT I WAS BEHIND WHILE BOA HAD MY LOAN. WITHIN 3 MONTHS THE PAYMENTS WERE MADE CURRENT AND HAVE BEEN CURRENT SINCE THAT TIME. I AM ASKING NATIONSTAR TO PLEASE REMOVE NEGATIVE INFORMATION FROM MY CREDIT REPORT TO HELP MY XXXX XXXX. I AM CURRENTLY INTERESTED IN REFI OR DOWNSIZING MY HOME. IT WOULD REALLY HELP IF THE NEGATIVE INFORMATION WAS REMOVED TO ALLOW MY XXXX XXXX TO IMPROVE FOR BETTER INTEREST RATES.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Wrong amount charged or received

Complaint:
Hello, I am a user of the Coinbase trading app. Last Friday XX/XX/XXXX I made a purchase to acquire XXXX shares. Coinbase has had a system error and because of this they have locked out all access to my account. I can not trade or sell or withdraw any funds whatsoever and their customer support has done nothing. The amount of shares have also since been reduced that is not accurate to the amount purchased.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
Company: SANTANDER HOLDINGS USA, INC.
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
I had a checking account with Santander Bank that I called to close in XXXX. I thought it was all set. When I went to set up a business banking account with a small local family bank, I was denied three times due to having an open defaulted checking account. I was referred to a collections agency and took care of the balance. I called Santander to confirm they received this payment and they said they had and this should be removed from my report in a few days. One week later I went back to a second small local bank and it was still on my account. I called early warning services who said Santander never notified them of my payment, and that I could file a dispute but it could take up to 30 days. I called Santander again and they said they sent me a letter and emailed a copy but I never got it. In the meantime..Im sitting on business checks that I cant cash because I cant open a business account. How are small business owners supposed to support their families when they are repeatedly being denied a business account due to Santander not closing an account when a client requests it, letting it overdraft, charging outlandish overdraft fees that are now illegal, sending it to collections then NOT updating XXXX after the customer finally finds out about and pays off their account that should have been closed in the first place?

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 2017-10-05
Company: NATIONSTAR MORTGAGE LLC
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
In going through my statements & escrow balance today, it shows that {$1000.00} was sent to my hazard insurance carrier on X/XX/17. The bill for my hazard insurance is {$700.00}. I went through all my statements and the only disbursement is the {$1000.00} - which is incorrect. I contacted Nationstar Mortgage but no one could tell me, or would tell me, why the information showing on my account online is incorrect or why there is no statement showing the that correct amount was paid to my hazard insurance carrier. I also can not see where the {$1000.00} was deposited back into my escrow account and where the {$700.00} was paid - I actually ca n't reconcile my escrow account at all ( it does n't help that there is usually more than one statement per month - very confusing ).

There are also disbursements out of my escrow account each month ( approx {$100.00} per month ) but no description of where that money is going.

No one at Nationstar will assist. I have called several times today and am constantly told that I ca n't talk to anyone who might have the answer. I do n't understand this at all.

Company response to consumer: Closed with explanation