BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-06-28
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
A personal credit card was opened in my name by PayPal Credit. 
They would not provide me with the fraudulent account information used by the criminal or a letter stating the account had been closed. 
The person who name was XXXX in their customer security operations was condescending when I explained I had two contradictory letters from them and wanted a letter stating the account was closed and that I wanted all the information used by this criminal. He stated I send them more personal information in the mail to prove that I am me, plus another copy of the Fair Trade Commission report even though they stated in a letter on XX/XX/2018 that they had received it. because I am asking them to do two different things. Plus, that all they were going to do is send me m name, SS and address since that is all that is needed to open an account with their company. 
This means that they did not use email, a phone number or address to confirm the person was me, but they want my driver 's license and social security card to go through the US mail to get the information corrected. ( They already have this information on my business account too. ) The young man XXXX would talk over me and play word games. Very disrespectful and not my experience with the other bank card companies that had opened accounts in my name not the ones who actually verified my information and would not open an account in my name for the criminal.. 
At this point I am not sure that they will close the account or provide all the information used by the criminal. Very disappointing to find that PayPal protects the criminal and does not protect their customers. 
FYI : XXXX fraud department is exceptional.

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 2018-12-06
Company: Mr. Cooper Group Inc.
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I bought my first home in XXXX after the home financial crisis and received an incentive from the government, XXXX dollars. I never knew or read the fine print about this help so I was happy and confident that I didn't owe anything besides the actual amount I owed for my home going from XXXX to XXXX in 9 years. Now in XXXX I refinanced my home with XXXX XXXX and with my home equity I paid XXXX dollars of my car and XXXX in credit cards debt. But XXXX XXXX found out that I also had to pay the government back those XXXX I never knew I owed. I never knew this incentive to buy the first time home around XXXX HAD TO BE PAID BACK ANYTIME I wanted to refinance or sell, etc. I thought this money would be forgiven after some time, let 's say 5 years. After 9 years I HAD TO PAY BACK XXXX dollars to the government. I do not think this is fair. 
I have my mortgage with XXXX XXXX XXXX  and neither the bank nor XXXX XXXX   know anything about this incentive and the way it works. 
I hope I can have an answer about this issue. 
Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-30
Company: WELLS FARGO & COMPANY
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I spoke with Wells Fargo several times regarding a fraudulent charge on my account. A charge was reversed which caused my account to reflect a negative balance. XX/XX/XXXX. I initiated a dispute with wells Fargo reference # XXXX. I submitted documentation to Wells Fargo to support my claim on XX/XX/XXXX. An insurance company withdrew funds from my account without a legal right and without my permission several months ago. Wells Fargo refuses to investigate the incident. My insurance company, XXXX, sent Wells Fargo proof of my coverages to support my position during, before, and after the time that I was covered by XXXX. I am currently covered by XXXX. Wells Fargo has not provided me any information regarding my claim refused to refund my money and has closed my account as a result on XX/XX/XXXX. Wells Fargo has initiated collection efforts for this incident.

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 2021-04-12
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX, Equifax, and XXXX  is publishing incorrect and inaccurate information on a closed account on my consumer report the account name is XXXX  XXXX  and or XXXX XXXX XXXX it has inaccurate and incorrect information according to the balance, credit limit, payment history, older derogatory events, closed date, last activity, terms, scheduled payment, company name and according to the FCRA they are violating the FCRA 15 usc 1681

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14
Company: WELLS FARGO & COMPANY
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
You failed to verify and validate all data for this account, every notation, dates and balances. This account needs to be removed IMMEDIATELY via FCRA section 611.

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 2018-05-07
Company: Debt Recovery Solutions, LLC
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
i demanded that the following accounts be removed from my credit report : Debt recovery solutions account # XXXX, debt recovery solutions account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-31
Company: Navient Solutions, LLC.
State: CO
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I attended XXXX University in Fall XX/XX/XXXX-Spring XX/XX/XXXX. To pay tuition and help with expenses, I took out a XXXX XXXX Signature Loan from XXXX XXXX. I ended up getting a job offer from XXXX in XX/XX/XXXX and never attended classes at XXXX University in the Spring semester. XXXX XXXX paid the school and XXXX accepted the money against my wishes. I went into repayment and paid my loans until I was laid off in XX/XX/XXXX. At that point I began to use economic forbearances until I was no longer allowed to do so, at which point I was unable to pay. I received harassing calls from Cell Phone numbers requesting payment which I was unwilling to give to a cell phone and unable to give due to economic circumstances. In XX/XX/XXXX my situation improved and I received a good paying job. I tried to get in touch with XXXX XXXX but was completely unable to do so. In Fall of XX/XX/XXXX I returned to school on a part time basis. I remembered that this should qualify me for an in-school forbearance, and so I signed into my XXXX XXXX account. Fortunately my loans were not defaulted! I could not request forbearance through their system any longer, but I could contact them. I sent them a message through their system informing them that I had returned to school and was seeking in-school forbearance. I also contacted their provided phone number and was sent to an answering machine. I left a message. I never heard back through either e-mail or phone. In XX/XX/XXXX, I was informed that my student loan debt was now Navient Solutions. I assumed that Navient Solutions knew that I was back in school and had automatically deferred my payments because I never heard anything else from them. In Spring XX/XX/XXXX I was informed that my loans had defaulted. I was offered a very nice settlement offer, but unfortunately I was unable to take it at the time. In XX/XX/XXXX, I was sent another message letting me know that my debt belonged to a company called " XXXX '' and they expect full repayment. They gave me the options to dispute the debt in writing, which I did. This debt should not be defaulted as I am and have been in school on a part time basis for the past 4 years. On XX/XX/XXXX I received a response of a single promissory note from XX/XX/XXXX with a note that " We are confident that all your questions should be answered by the enclosed documentation ''. I also received letters letting me know that these loans would be sent to law firm. The letter says that if I have until XX/XX/XXXX to respond, but when I tried to call the number provided I was once again sent to an answering machine. I left a message but have not heard back. I filed a complaint with the CFPB against XXXX, but they replied that they are not to blame and that Navient and XXXX XXXX are to blame. Now I 'm writing to you again, this time with Navient as the recipient of the complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-18
Company: Diversified Consultants, Inc.
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:
Diversified consultants has reported a derogatory open account to all three bureaus that they refuse to validate. I've requested twice that they validate this debt, as I was a victim of identity theft around the same time they claim I established service with them. I've not had a XXXX account in years. Even then it wasn't under my name. I am requesting that Diversified consultants INC validate this debt. Please provide me the information used to establish this account in XX/XX/2015 such as social, ID and or signature on contract. It is vital that you're reporting accurate and true information. I am prepared to go as far as I need to, even if this is court. This is holding me back and I refuse to pay a debt I know doesn't belong to me. The amount said I owe is XXXX. I was a victim of identity theft and had a few other accounts where someone had used my name but used a diff social and they reported the debt to me, obviously this was removed since it was against the FRCA laws. So please validate this debt showing me what information was used to establish this account. This is my last attempt to deal with this before seeking legal counsel

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-26
Company: Coinbase, Inc.
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Hello, I have been locked out of my coinbase account that holds my funds for 50 days, starting Saturday, XX/XX/XXXX. I start trading using this account on XX/XX/XXXX and already verified my account and linked it to my bank account, which I used to wire the money to my coinbase account. 

I tried to recover my account by submitting a copy of my driver license online on Saturday, XX/XX/XXXX, and Sunday, XX/XX/XXXX however, because the name on the online account is different than the name on my driving license ( the name on my driving license contain an extra letter as an initial for my middle name, however, only my first and last name shows up at my account ), the process failed. I reached Coinbase customer service by email on Sunday XX/XX/XXXX and by phone on Monday, XX/XX/XXXX, XXXX XXXX  EST and submitted a high priority ticket ( as the agent told me ) due to the sensitive situation since I have all the needed documents for account recovery and the first and last name matches the name on the account. 

I did not hear back from coinbase and I tried to call them several times ( XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ) but unfortunately, the agents refused to give me any useful information or estimated time for coinbase reply which till now is taking almost two months  without the ability for me to access my funds. They also refused to transfer me to the department that handles the accounts lock out or to even contact them. Only one time the customer sevice agent promised that he will contact them on my behalf and will send me an update email, but he did not. The problem is that the market is a very sensitive one and I lost more than 1100 $ due to the change in the trading prices and the inability to sell or even transfer or use my funds. This is in addition from preventing me from access/invest my money. I still do not know when the company is planning to respond to a high priority issue, as stated by their customer service agents, which will further change the amount of loss I am encountering till this moment. I have a copy from all the emails that I received after each call.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
You failed to verify and validate all data for this account, every notation, dates and balances. This account needs to be removed IMMEDIATELY via FCRA section 611.

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 2018-06-30
Company: PNC Bank N.A.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
On Monday XX/XX/XXXX, my account went negative by {$68.00}. That same day upon discovery, I deposited {$70.00} to cover the short fall. In checking my balance, I had a positive balance in the account. I was charged a {$36.00} overdraft fee when a POS debit purchase of {$30.00} from XXXX XXXX came in ( that was not reflected in my earlier balance ) but they posted it to my account before the {$100.00} ACH from XXXX which I covered with my deposit. Even though a direct deposit came in at XXXX  ( or XXXX XXXX  on the XX/XX/XXXX ) that covered any and all outstanding amounts, not only was I charged a first fee of {$36.00}, they charged another when other items came through on XX/XX/XXXX that would have been covered if they would not have immediately charged the NSF fee. They also charged another fee earlier in the month on XX/XX/XXXX of {$36.00} when an ACH charge of XXXX took my account negative by {$23.00} but was immediately rectified by a direct deposit of {$52.00} credited at XXXX XXXX on XX/XX/XXXX.  PNC uses their banking system of credits and debits manipulatively in such a way as to create and maximize unnecessary fees. And they charge immediately with little notification so that we can not correct the balance in time of other charges coming in. This is purposefully manipulative.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
My brother died 3 years ago and as such I received the proper paperwork from the courts to handle his estate such as it was. Our estate attorney suggested that we keep the property for 2 years and then sell. We did so for 3 years and then tried to sell the property. Upon doing the closing paperwork the company found a hiccup and it prevented us from going to closing. I then called Bank of America and  asked if they would take a short sale or a deed in lieu and was told emphatically NO. I was told that the property would have to go through a cascading process. It was then ( XX/XX/2018 ) that we stopped paying the mortgage. Now bank of America tells me that if I want to sell the property or short sale, or deed in lieu, that I personally will have to ASSUME the property for that to be done. I don't understand that if I was given power to handle his death, then why can't I handle this matter without turning my life not to mention my credit upside down.

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 2017-07-31
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX sent me a letter dated X/XX/17 in response to my complaint of inaccurate information in addition to wrong account history. They claim that the credit reporting agency is at fault and they will not delete this account. Per the fair credit reporting act the company and the reporting agency get together and research the information once one disputes. XXXX claims that they are reporting the same information to all three bureaus. I find that odd considering that one of the bureaus, and I have several hard copies as proof of all three bureau reports, one credit bureau has the balance as {$0.00} and the account as closed. XXXX claims the reason for the different balances has to do with me disputing this account. That makes no logic whatsoever. Consider the fact that seeing the information being reported wrong is what made me dispute the information. Meaning, the information was already wrong prior to me disputing. XXXX claims that the bureaus interpret the reported information they way they see fit. I dont see how {$15000.00} can be intepreted as {$0.00} At this juncture, because I have tried to rectify this erroneous account with XXXX several times, and there is a legal paper trail of proof, I now have a right to file a suit for damages if they do n't instruct the three agencies to delete this account off of my credit report. Not update, but delete.
Thank you

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
The above three accounts ( XXXX, XXXX XXXX, and XXXX ) appear exactly as attached hereto on my credit report, but must be removed immediately. I have previously written each of the above fake " creditors '' a minimum of six times certified mail about the above accounts, which appear erroneously on my credit report. Under the Fair Debt Collection Practices Act ( and the Fair Credit Reporting Act ) these three companies ' repeated lack of any valid response by itself means that the CFPB should take legal action immediately. In addition to lack of response, the very data from the reports themselves copied above from my credit report all indicate that each account is WAY more than 7 years old, which in and of itself is dispositive. To be clear, these three accounts are not, nor were they ever, in my personal name nor guaranteed by me, and they are also more than seven years old, as the above " re '' notations demonstrate. What apparently is happening is that these companies are Illegally attempting to use fraudulently much more recent dates - the dates when the companies finally unilaterally got around to " writing off '' the amounts owed -- because these 3 companies knew that they could not win a lawsuit because the debts were not and never were mine. In sum, none of these accounts was ever in my personal name or guaranteed by me, all 3 are ADMITTEDLY, by the information provided above, more than 7 years old. 
These companies scoff at federal law and essentially say, " sue us, '' which suit enforcing the FCRA is really the responsibility of the federal government law enforcement agencies, not individual consumers like me. I have written the CFPB before about this matter previously but have not received a response.Whatever the next step is, lets take it!

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 2018-04-18
Company: TRANSWORLD SYSTEMS INC
State: CA
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 have requested to have an unfamiliar debt verified. I did not receive any validiation, i.e. signature, contract, copy of ID. 

on XX/XX/18 I mailed a certified request of validation. I received a letter from them and they just verified my name and " total balance due ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-01
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
An authorized inquiry was found on my credit report and after requesting the initial source to investigate and have it removed, they didn't. Instead I was sent a rebuttal letter ( lazy letter ) instead of providing the written proof of authorization.

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