BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-10-29
Company: BANK OF THE WEST
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
In XX/XX/2018 I applied for a HELOC loan through Bank of the West in XXXX, CA. 
I signed the final paperwork on XX/XX/2018 for the sum of {$100000.00}. 
On XXXX I received a phone call from the bank saying I had forgotten to sign a document. I thought that strange since I signed everything presented to me. I went down to the branch and spoke with Bank Manager XXXX and she asked me if I wanted to put the money in my checking account. I said sure that would be alright. She gave me a from to sign to ok this. I received my statements showing money in checking and HELOC account. However there were interest charges deducted from my checking account for {$390.00} XX/XX/XXXX-XX/XX/XXXX and {$450.00}. I went to the branch and spoke with XXXX that this was an error as I had not taken a draw on any money. She said when I signed that form that is considered on the entire {$100000.00}? I said what? Why would I do that when I had checks sent to be to use on the account. Why would anyone choose to pay interest because you asked me to come to the bank and ok putting into checking knowing I would have to pay interest. Who would be so stupid do pay interest while it sat in another account? She said well you signed it. I said that form said nothing about being charged interest. This is of course automatically deducted from my checking. 
I said I want that phony interest written off she said no. I did use {$4000.00} withdrawn so I could pay my contractor on XX/XX/XXXX and I realize I owe interest on that. So she said I could write a check for {$96000.00} to put in the HELOC account. I said all you are doing is changing account numbers? This is crazy. But wrote out check. 
I asked to speak to her supervisor and she said there was no one above her. I located district manager in XXXX XXXX XXXX and she said I signed the form so I have to pay. Went to my CPA he called her as he could not believe they try to get away with this and XXXX said the same to him. They deliberately called me to the bank to sign that form as I had already signed with original documents stating no to scam me on interest. 
I guess they didn't like it just sitting there and me not using it right away to generate interest? That is a lot of money taken from me that I didn't even touch. Help please.

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 2017-06-28
Company: U.S. BANCORP
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
My  XXXX  2017 payment was due on   XXXX   XXXX   2017.   XXXX   XXXX   XXXX   is a Sunday. I mailed my payment from  XXXX  on   XXXX   XXXX   a Tuesday to   XXXX   XXXX   Mo. I understand the mail is erratic but it seems that 4 days should be sufficient US Bank says they received the payment on   XXXX   XXXX   2017 a Monday. I called customer service to remove the late charge of {$27.00} saying the due date was a Sunday and to please offer a courtesy considering it was received on Monday   XXXX   XXXX  . I was refused. I asked to speak to a supervisor but no one called me back. I feel US Bank is just trying to collect fees and that the  XXXX  is ex orbitant

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 2020-07-01
Company: EQUIFAX, INC.
State: OH
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: Was not notified of investigation status or results

Complaint:
I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : DEPTEDXXXX, XXXX, XXXX, XXXX XXXX, XXXX, US DEPT ED, XXXX XXXX Company Inquiries : XXXX XXXX XXXX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-29
Company: WELLS FARGO & COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Step 1 : What is this complaint about? - Payment allocation Step 2 : What type of problem are you having? - payments are not being applied towards  the older balance ( purchase balance ) on my credit card. 

Step 3 : What happened? As of XX/XX/XXXX my credit card purchase balance was {$1100.00}. On XX/XX/XXXX, I did a balance transfer of {$3000.00} to my Wells Fargo credit card, per their promotion of 0 % until XX/XX/XXXX on balance transfers. Since then I made the payments as follows, to pay off the balance accumulating interest. However, my payments are not being applied entirely to the oldest balance, which is accumulating interest. Rather, they are applying part of my payment towards the promotional balance and part towards the purchase balance accumulating interest. With the payment shown below ; i should have paid the balance accumulating interest off, but that is not what is happening, and i believe these are bad business practices, as they are not allowing me to pay off the older balance which is being charged interest. 
XX/XX/XXXX - paid {$200.00} XX/XX/XXXX - paid {$100.00} XX/XX/XXXX - paid {$90.00} XX/XX/XXXX - paid {$85.00} XX/XX/XXXX - paid {$80.00} XX/XX/XXXX - paid {$600.00} XX/XX/XXXX - paid {$200.00} Total {$1300.00} - which should have paid my purchase balance in full, and any overage towards the newer 0 % promo balance. 

Step 4 : What company is this complaint about? - Wells Fargo Credit card Step 5 : Who are the people involved? XXXX in customer service and a rep from their credit card escalations dept. ( don't remember his name ) I spoke to them both on XX/XX/XXXX, and both told me my payments can not be reallocated to pay off the older balance, and that i could pay {$440.00} today and that would satisfy my purchase balance accumulating interest and then my future payments would be applied all towards my promotional balance. I believe they are doing this, so they can continue to charge me interest on a balance that would have already been paid in full. 
Additionally, they charged me a late fee for my XX/XX/XXXX due date, when the payment was made a month early on XX/XX/XXXX. They waived the late fee, however i feel like they will charge me a late fee on any future payments made before my due date, which i am sure i would have to call in and have them remove ; like i had to do today.

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 2020-07-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
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 VICITM OF AN IDENTITY THEFT, WHICH MEANS SOMEONE OTHER THEN MYSELF OPENED AND MAINTAINED THE FRAUDULENT ACCOUNTS, THE CHARGES ARE NOT MINE THE ACCOUNTS ARE NOT MINE. I NEVER AUTHORIZED THESE ACCOUNTS TO BE OPENED, I NEVER AUTHORIZED THESE ACCOUNTS TO BE OPENED AND MAINTAINED. THE ACCOUNTS AND THE CHARGES ARE FRAUDULENT.

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 2018-06-28
Company: EQUIFAX, 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 have two creditors that are listed on my credit file with Equifax reporting agency. The listed creditors are a result of fraud. I have asked Equifax to block these creditors from my credit file as I am entitled under the Fair credit act to ask for companies of any fraudulent activities to be blocked. 
Equifax has refused to place the block as requested. I am asking for a written notification to why my request has been refused by the credit reporting agency. 

The block was requested for the following companies. 
1 ) XXXX XXXX act # XXXX 2 ) XXXX  XXXX act # XXXX I have submitted all documentations from law authorities as well as my personal identity verifying my identity. 
I would like to receive a written notification of explanation to why my request has been blocked from fraudulent activity in my credit file. 

I did not request for re investigation. However, upon receipt of re investigation I would like for my rights to be granted under the fair credit act, for creditors to be subjected to supply credit reporting agency with sufficient information regarding contract. I am requesting for Eqifax to verify Accuracy of my identity compared to creditors application as well as identification they have on file for me in relation to claimed debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-30
Company: Experian Information Solutions Inc.
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
RE : XXXX XXXX XXXX XXXX Account # : XXXX To Whom It May Concern : This is a request for deletion of a disputed item. I have attempted to have this alleged debt verified by the alleged creditor and collection agency to no avail. I am respectfully requesting the collection agency do what is legally mandated by the FCRA and FDCPA, and delete the following account listing : XXXX XXXX XXXX XXXX Account # : XXXX I previously sent a demand for validation from me and they have failed to provide any proof or respond in any way. I sent a second letter. Again, I have received no response. I sent yet another letter. Again, I received no response. The FDCPA states that collection activity must cease until they have produced verification of the alleged debt if so requested. 

As per the FTC, this includes reporting to the credit bureaus, which they obviously have done illegally. It is quite evident that no such proof of this alleged debt exists or they would have provided it in the previous months since it was requested. Also, when an alleged debt is disputed, a notation must be entered on the debtors report showing the item as in dispute. Again, this was not done. Another violation of the FDCPA. 

As per the FCRA, if no proof of debt exists, it may not be reported to the credit reporting bureaus. The FCRA also states that the credit reporting agencies must accept written proof from the debtor. Therefore, I am not asking for an investigation to be done. I am requesting that the entry be deleted in its entirety since there is no proof of its existence. 

Sincerely,

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 2020-05-26
Company: SYNCHRONY FINANCIAL
State: TX
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:
unauthorized hard inquiries on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-28
Company: SECURITY FINANCE CORP
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
On XX/XX/XXXX, XXXX XXXX had my car repossessed after payment was received and illegal accessed my credit report for impermissible purposes not covered under the FCRA guidelines. They did not obtain my written consent to do so as well. So in addition to them taking my car that has been paid for, accessing my credit report without my express written consent ... they also never sent notice via mail nor email of a repossession order nor intent to repossess which is against the law in Texas. XXXX XXXX has not communicated with me by phone, mail, or email since XX/XX/XXXX. Any address change has and was reported to them. Not once have the reached out. Then to be told they placed a repossession order out on XX/XX/XXXX is outrageous. They have more than violated my consumer rights but they have also not followed the law and federal guidelines. Under the FCRA laws, permissible purpose does not extend to auto finance companies with no purpose of opening a new account. Using an individual 's credit report to obtain personal information with the consent of that individual violates their consumer rights under the law.

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 2018-10-30
Company: ENCORE CAPITAL GROUP INC.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I have gotten daily calls for weeks from XXXX XXXX XXXX ( # XXXX ).  I have no credit account with them. They can not locate my name or phone number on any of their accounts. They say they have no records for me and have no idea why they have my number. I have asked them 7x now to stop calling me. Three reps said they can not remove my number from their call list. The last 3 reps I spoke with say they will remove my number, but the calls continue. I may have to file a police report for telephone harassment, as a last resort. I have filed a complaint with the Federal Do Not Call Registry, but the calls will not stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13
Company: Paypal Holdings, Inc
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
I was using PayPal for my online store to receive funds. I clicked instant transfer to transfer money from PayPal to my bank and Paypal put my money on hold for XXXX hours. After XXXX hours they place another hold on the same money, and sent me a message saying I cant receive my funds until I upload a picture of my Id. I uploaded my drivers license and they sent another message saying my account is permanently limited for 180 days and I am unable to transfer my money to my bank account they will not allow me to until XXXX days is up. I am very fair with my customers and have a very flexible return policy. I have children and bills to pay I need access to my money. PayPal is impossible to reach over the phone, and only communicate through generic automated messages.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-23
Company: Paypal Holdings, Inc
State: WY
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/2019, I transferred {$780.00} to my daughter 's Paypal account. Unfortunately, the destination account was a foreign ( XXXX ) account that she had used while living abroad. My daughter discovered belatedly that she had limited access to the account because she could not prove she physically lived in XXXX, so she was unable to access the funds I sent to her. 

On XX/XX/XXXX, I put a stop payment with XXXX XXXX XXXX Bank, hoping that the transfer would not be made. The transfer was completed anyhow to my daughter 's old account with Paypal fronting the funds. Because I placed a stop payment at my bank on the transfer, Paypal now claims that my account has a negative balance that I owe to Paypal. 

Because I don't want to be charged twice for the same transaction, I have refused to cover the balance. Instead, we have tried to work with Paypal USA and Paypal XXXX Customer Service to resolve the problem without success. They say there is no recourse for recovering these funds from the old account, even if the owner gives her permission to refund the money or transfer it back to my account, yet still I have to cover the negative balance on my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-02-18
Company: Unifin Inc.
State: OR
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Collection company unifin called me XX/XX/19 to collect a debt. I was at work so I asked them to call me back after work on Monday. They didn't call back so I made a call to them on XX/XX/19 in regards to this debt. A gentleman answered the phone and verified my information. He asked about settling the payment for XXXX. I told him I was unable to do that because I am a single mother of the children. Based on my finances I could make a {$500.00} payment to satisfy the account. I wasn't able to make payments due to my financial hardship. He was pressing to set up a payment plan which I told him several times I was unable to do. Then he got upset and told me that if I was unable to do this then he will write that I am refusing to settle the debt and they will garnish my wages then hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
It is wrong for companies to receive authorization and permissible purpose to access a consumer 's credit report but then hire another company to acquire the report. The Credit Reporting Agency 's ( CRA ) are allowing this by not requiring all of their clients to have permissible purpose and authorization in their respective name. The risk of a person 's private information then increases because companies are violating  the FCRA. I was surprised when I saw XXXX XXXX on my report and called. They are a lax company owned by a very large company.. 
I was hit by thieves that had too much of my information.

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 2021-08-06
Company: Flagstar Bank, N.A.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I was under a Forbearance Plan due to Covid hardship. On XX/XX/2021 I called my mortgage company, Flagstar Bank ( spoke to XXXX @ XXXX XXXX  est ), to let them know I was ready to start making payments and wanted to Defer any outstanding balances during the forbearance to the end of the loan. They instead said they could do a Streamlined Modification and would mail me paperwork. They insisted that if I did not like the terms I could still do the Deferral. I received the paperwork about 2 weeks later and it made no sense to me ; the interest rate stayed the same, my monthly mortgage payments went up and they wanted to increase the term of my loan by 10 years. I called them back on XX/XX/XXXX @ XXXX XXXX  and spoke to XXXX and told her that I did not want to modify my mortgage ; I just wanted to defer the outstanding balance and restart my payments. She said that they had to approve my Deferral and it would take about a week. On XX/XX/XXXX @ XXXX XXXX  XXXX called me and said that my Deferral was approved and that paperwork would be sent out. I never received the Deferral paperwork and called 4 more times in XXXX. They said they would contact a supervisor, could not explain why my paperwork was never mailed, and then they sent me a Loss Mitigation packet to fill out. On XX/XX/XXXX @ XXXX I called back told them I do not want to modify my mortgage I only want to Defer outstanding balance and start making payments. They said there is nothing they could do and they are waiting on management. According to XXXX XXXX website, my mortgage backer, and Flagstar Bank I have the option of doing a Deferral. They can not explain to me why the Deferral was approved and paperwork was never mailed. I do not want to run out the clock and lose my home because of errors by the bank. Can you please help 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 explanation
Consumer complaint received 2018-09-17
Company: SYNCHRONY FINANCIAL
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Purchased XXXX XXXX XXXX XXXX from XXXX XX/XX/2018 for charges to XXXX Credit Card : {$60.00} - XX/XX/2018 ; {$39.00} - XX/XX/2018 ; {$39.00} - XX/XX/2018 ; {$39.00} - XX/XX/2018 ; {$39.00} - XX/XX/2018. 
These amounts were initially charged to my XXXX Credit on XX/XX/2018, respectively, and on XX/XX/2018, for remaining four equal charges. 
These amounts were refunded directly by XXXX XXXX not the creidt card ) to my XXXX  XXXX   account on XX/XX/2018 for the first charge, and XX/XX/2018 for remaining four equal charges. 

XXXXXXXX XXXX has received these refunds, however the charges were not deducted from my XXXX XXXX  account, not crediting them back to the merchant, XXXX, as I requested numerous times. As well, I requested an itemized statement be sent to me via XXXX mail of what was done with the refunds received by XXXX XXXX, via phone requests, as well as a faxed request on XX/XX/2018, as I was directed by the XXXX, XXXX XXXX, to do ( fax # XXXX ) in order to receive my request via XXXX mail. 
I have Not received the requested itemized statement via XXXX mail. As well, XXXX XXXX has not removed these charges from my XXXX XXXX account and has in fact moved them to be paid by XX/XX/2018 as a promotional purchase. 

I am paying my XXXX Credit Card for the purchase of this item and XXXXl XXXX  is still charging me for the item as well. XXXXXXXX XXXX  has not applied the refund back to the merchant, XXXX, from which the purchase was made as requested.

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