BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-02
Company: WELLS FARGO & COMPANY
State: PA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Hello, I am contacting you today regarding a fraudulent matter that began in XX/XX/XXXX within the Wells Fargo XXXX, Pennsylvania branch. I am providing the following information to help clarify the present circumstances. 

My husband and I are divorcing. He is the account holder at Wells Fargo. I have my personal and business accounts with XXXX XXXX. We did have a joint personal checking at XXXX XXXX  which was closed in XXXX after he removed all of the funds leaving me with our XXXX children at home, XXXX newborn in the XXXX and {$200.00} after my filing for a Protection From XXXX  Order and for divorce. We ultimately decided to try working on our marriage and in the process I chose not to reopen a joint account with him during this time. All of our monthly expenses as well as credit card payments were paid from his accounts, all of the payments being made online by me on our home computer with the exception of two checks for tuition and mortgage. His bank statements will show that these payments were made this way for years. All credit cards were in my name and we used them to purchase everything personally, home related and for both of our businesses. The cards were paid from either of our checking accounts. 

In XX/XX/XXXX he left our marital home where I reside and single parent our XXXX children. There was no contact from him for 4 months after he left the home and in this time I continued to pay our expenses the way we always had paid them knowing we would ultimately have to work that out in court through divorce proceedings. In XX/XX/XXXX, Mr. XXXX and Wells Fargo unauthorized any and ALL payments that I had made from his account to four different credit cards spanning back as far as purchases made in XX/XX/XXXX for our children 's XXXX gifts. The current total of the chargebacks to date is {$130000.00} which includes {$17000.00} in interest and late fees. My credit cards credited back over $ XXXX to my husband 's Wells Fargo account, he then withdrew the funds and closed the account. The credit cards are now coming after me for the funds and include purchases all the way back to XX/XX/XXXX. As my ex husband 's bank statements will show, payments to these credit cards were being made from his account for two different tax years. His bank statements go to his private XXXX. XXXX XXXX to which only he has access. Aside from this, Wells Fargo 's Deposit Statement agreement, page 11, clearly states that this should not have occurred at all let alone as far back as it  did. Someone within Wells Fargo not only completely ignored this policy, but aided my husband in fraud that has destroyed my credit and created undue stress in an already stressful divorce. 

XXXX link to video summary : https : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26
Company: Sequium Asset Solutions, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I utilized XXXX XXXX services and was informed i owed {$500.00} which the sales representative over the phone waived partial {$250.00} balance of the XXXX informed me i only had to pay {$250.00} plus and additional {$230.00} for activation and to restart services. Few months later i noticed my bill increasing to XXXX to XXXX to XXXX per month as i called them to question them about the bill a billing representative informed me they were collecting on an old bill which i disputed the agreement between the sales rep and i, but instead they gave me the run around. So i cancelled my services with them and they continued adding extra fees and charges totalling to {$930.00} for no reason on the final bill. I do not owe them one red cent. They have sold the account to a collection agency Sequim Asset Solutions who is reporting me negatively on my credit. XXXX XXXX committed fraud by using deceptive practices in trying to collect money from me i did not even owe.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26
Company: Source Receivables Management LLC
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I discovered in my credit report that Source Receivables Management , LLC, has posted a collection action for a XXXX account that is fraudulent. They filed a collection action against me in the amount of {$2600.00}, which they are collecting on behalf of XXXX. The account is not mine. I did not open this account, nor did I authorize anyone to do so on my behalf. 
I requested that they either provide me with written proof that this debt is mine, specifically, but not limited to, a contract bearing my signature ; or remove it from my credit record and update this information with all three credit bureaus to reflect that this account is not mine. They did not provide any documentation. Instead, they replied by requesting that I provide a statement of dispute to XXXX. XXXX is not listed on my credit report, Source Receivables Management , LLC, is taking action against me. Furthermore, how can one prove a negative. I have nothing to submit to XXXX or SRM as this is not my account. SRM has the claim against me so they should provide evidence of my debt, evidence that I opened this account. All cell phone accounts require signed contracts. As such, they should be able to provide a contract with my signature on it. They have not. And they can not because the account is not mine.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-09
Company: Coinbase, Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Dear CFPB Team, I need your help on this matter, has been few bad days for me waiting for coinbase to resolve my issue and I have bad customer service and no support. I bought some litecoin on XX/XX/XXXX and they charged my credit card twice for the amount of {$580.00} us dollars, since my credit card was charged twice the my bank did a reversal and reject the two payments. Then I tried to login back into my coinbase account and they ask me for the payment of {$580.00}, I submitted the payment using my personal checking account and they took the money from my account so they said it is paid already few days ago, they reply me back after several calls and emails saying that they received my payment but my account should remain locked until an specialist review it, its been few days and this remain as it is, I called several times and they told me the same thing, I email then too and they replied the same, I am attaching the case history, it is not fair as coinbase treat the clients. I need your help having my account unlocked and gaining access to my funds, all my funds in coinbase are in us dollars. I just called right now and they gave me the same response, over and over, they don't unlock my account. 

Thank You!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-09
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Unfortunately, my house sustained damage during 2017 hurricane season. After seeing the advertisement on TV for mortgage payment deferred program I immediately called Wells Fargo to have my mortgage placed in a forbearance period. I was told I would not have to make payments for three months and payments would be moved to the end of my mortgage. As the three months approached I received harassing phone calls and threatening letters to make payment, if not, I would face collection or worse foreclosure. 

Wells Fargo did not follow the law. 

I am a hard working individual and I must say, I was treated unfairly.

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 2018-04-03
Company: Diversified Consultants, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a statement that I owe {$55.00}. I am not responsible for this debt. It does not belong to me. 

I can't find this company as being bonded to collect in the state of Texas.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have a loan with CAPITAL ONE BANK USA N. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX XXXX XXXX, and CAPITAL ONE BANK USA N with no successful resolution. XXXX XXXX XXXX XXXX   reporting me late. There was definitely an error on their part. I was never 30 days late ( XX/XX/XXXX ), also I was never 60 days late ( XX/XX/XXXX ), lastly I was never 120 days late ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts 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 2018-03-09
Company: Resurgent Capital Services L.P.
State: DC
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Between XX/XX/XXXX and XX/XX/XXXX I received multiple notifications about deletions, additions or changes in my credit report. I have disputed the validity of the alleged debt and account with this collection agency and still feel as though my consumer rights are violated. In Case # : XXXX the company responded dated XX/XX/XXXX they would cease and desist further actions. As stated above I received notification that changes to my XXXX and XXXX credit reports had been made. The changes were that the account was closed and removed from the XXXX report. As for the XXXX report heres where the problem is. The account was removed from the report, however it was reinserted without 5 day written notice as required the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04
Company: Receivables Performance Management, LLC
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was informed that there was a collection item on my XXXX  Credit Bureau due to my bank reviewing my credit journey. I was never informed by Receivables Performance or XXXX of any collection in my name. Upon calling Receivables Performance on XX/XX/XXXX, I was informed past due amount of {$910.00} was in my name for charges occurred in XXXX, Kansas in XXXX, XXXX. I explained to representative I have never lived anywhere in Kansas and have never had any dealings with XXXX. I then filed dispute with XXXX  on XX/XX/XXXX however they replied on XX/XX/XXXX that Receivables Performance had " certified account was correct ''. I reopened another dispute explaining it could not be correct since I have never lived in Kansas or dealt with XXXX. That reopened dispute is still in process as of today XX/XX/XXXX. I also have filed a report with XXXX XXXX, IL Police Department asserting above. I will provide any/all information needed on Receivable Performance report # ; XXXX account # ; XXXX  report # or XXXX report # per your request.

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 2021-05-23
Company: WELLS FARGO & COMPANY
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Wells Fargo is inaccurately reporting information regarding this debt including amount owed/date of last activity/ Date of First deliquency. Furthermore, this debt was discharged by the company and removed from one credit report but not XXXX or XXXX. It was also moved from the individual who opened the account credit report. I have disputed this a number of times but the company has not responded or tried to rectify. At one time they were duplicating this account on my credit report although the obligation for this debt has been released.

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 2017-08-04
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Under the new law effective XXXX XXXX 2017 any public record data must include Name, Address as well as SSN or DOB in order for it to appear in your credit file. The credit bureau has not updated information per the new law. The bankruptcy XXXX listed does not include this information and should be deleted

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I am writing today in wish to gain your help. Presently I am working on going over my credit, paying down my balances, and working toward greater credit worthiness. You play a very important part in this procedure. I am asking about the account number referenced in this complaint. 
I see you have reported me 30 days late to the credit bureaus ( XXXX, XXXX   and XXXX  ) on XX/XX/2018 and I am submitting this to have this remark pulled back. I had believe I had made all my payments on time, the only thing I could imagine, is that my statement didn't get to me in time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-01
Company: Ocwen Financial Corporation
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Where do i begin?
for years i have been applying and asking for a modification on my home. for years i have been denied for whatever reason given. when OCWEN finally decided to offer me a modification my payment when   XXXX   XXXX   dollars higher!! as long as i know a modification and asking for an affordable payment does not mean allowing my payment to go higher almost twice as much as it already was. calling in today with OCWEN i was told that my house went to sale at   XXXX   XXXX   ET time. and that the sale date was scheduled on  XXXX - XXXX -2017 since  XXXX - XXXX -2017 there were 2 conversations, one on  XXXX - XXXX  &  XXXX - XXXX  where i was lied to and told that there was no sale date scheduled. Listed below are the representatives that were spoken to and the comments date and time. please contact OCWEN and have then pull the conversations so you can hear for yourself that we were advised that there was not sale date scheduled on property.
 XXXX / XXXX /2017,   XXXX   XXXX   NOTE [ n ] - LENDER CALL : OCWEN SPOKE WITH :   XXXX    XXXX  IN HOME RETENTION FORECLOSURE : HOLD SALE DATE : N/A  XXXX / XXXX /2017,   XXXX   XXXX    NOTE [ n ] - LENDER CALL : OCWEN   XXXX   SPOKE WITH :   XXXX   XXXX    XXXX  IN HOME RETENTION FORECLOSURE : HOLD SALE DATE : N/A I recently received a notice dated for the month of  XXXX  that i had the opportunity to appeal the denial and within a matter of 2 weeks my home went to sale. why would i be given the opportunity to appeal a decision to keep my home and be foreclosed on at the same time. i really need help to get my home back. this is not fair. i am a minority and an immigrant, a hard working tax payer. i did not want this to happen to me.
the following representatives denied any assistance and were lying to me about the conditions and all details of the account  XXXX   XXXX  - Refused to transfer me to management.
  XXXX   XXXX    XXXX  is manager she eventually transferred me to lied by saying could not escalate.
  XXXX     XXXX  lied repeatedly about how to escalate.
At this point i need all the help i can get in order to get possession of my home 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 2020-06-03
Company: PENTAGON FEDERAL CREDIT UNION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I was recently approved for a pen fed {$15000.00} credit card and I received the credit card terms and conditions in the mail. The terms states that at the time of fraud we will be liable for the charges and we can not make Pen fed liable for the charges, can not take them to the court and have to indemnify them from any kind of liability. 

I think this is mean and one sided agreement and goes against the laws of America. 

They also do not have arbitration agreement for their credit cards, so it is a win win situation for them and a losing situation for the customers. I am completely surprised how can this company be so greedy, self-centric and mean? 

They have also send me a letter which states that I abide by the credit card agreement if I don't cancel the credit card within 30 days, what is this? 

this is a fraud. and I tweeted this credit union, they replied me with a very unusual answer, their customer service number is not working. 

After that Penfed blocked me on Twitter ( please see the screenshot ) What does the Penfed wants? Penfen wants the customer to go crazy if a dispute happens between customer and penfed? What will the customer do if can not go to the court? ( please check the screenshot of penfed agreement )

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 2020-06-03
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MA
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 disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-04
Company: Paypal Holdings, Inc
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or missing disclosures

Complaint:
At XXXXXXXX XXXX EST, I received an email from Paypal saying I am no longer eligible for funds. In the email they said : " We've made this change to protect your account and to keep the PayPal community safe for buyers and sellers. We'll let you know if your account becomes eligible for Funds Now again. 

You can learn more about why your money from sales might be placed on hold and what you can do. '' 7 minutes later, I get an email being told I can no longer do business with Paypal even though today, I used it for XXXX, XXXX eats for food, making purchase on phone, and receiving fund from a fund. They claim unauthorized activities that I have NEVER participated in, unless they consider buying food and XXXX trips as gambling. I called for representative and they wouldn't tell me what caused the ban out of nowhere and they were so rude and crass about how these funds, which I use for food, I no longer have access to. I have never in my life experience such a horrible experience with Paypal. I have been a loyal customer for several years and took great care to abide by terms of service. I have used my account to raise money before, by doing paypal pools or linking my paypal.me which people used to send money when the paypal pool link wasn't working. I have {$7700.00} that is currently on hold that Paypal is preventing me to having access to said funds. I am very upset and frustrated and I have no problem showing all my transaction history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-04
Company: EQUIFAX, INC.
State: NC
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:
On XX/XX/2020 I sent a letter regarding an inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.

Company response to consumer: Closed with explanation