BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-08
Company: WELLS FARGO & COMPANY
State: VA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Wells Fargo - A mortgage hold was requested due to financial issues resulting from COVID until XX/XX/XXXX. I have called the escalation department on average 2 to 3 times a week from XX/XX/XXXX to XX/XX/XXXX. I signed closing documents for a modification/HUD partial claim in XX/XX/XXXX. The process lagged, conflicting information constantly was received. In XX/XX/XXXX I paid my portion owed, all payments from XX/XX/XXXX to XX/XX/XXXX. I chose to refinance with another lender XXXX XX/XX/XXXX. Wells Fargo has given me and my new lender inconsistent information, dates and dollar amounts. Now it appears that they did not process the HUD partial claim because I am switching lenders. They are iabsolutely taking advantage of my situation because I have an FHA loan. Is there anyway I can get some type of assistance? As a small business owner and XXXX, this refinance is crucial to my success and being able to meet my basic financial needs.

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 2021-04-08
Company: TRANSWORLD SYSTEMS INC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Transworld Systems is trying to collect a debt sold to them by XXXX XXXX for {$200.00}. 

In 2020, I had an electricity contract with XXXX XXXX XXXX NOT XXXX XXXX. 
XXXX XXXX XXXX can not provide an accurate record of amounts owed and paid. 

Transworld Systems provided invoice XXXX from XXXX XXXX XXXX for {$500.00} as evidence of a claimed {$200.00} debit for XXXX XXXX. 

Transworld Systems has not provided any evidence I owe {$200.00} to XXXX XXXX. An invoice from XXXX XXXX XXXX for {$500.00} is NOT evidence of a debt to XXXX XXXX. 

Please require Transworld Systems to show this is a valid debt. They are damaging my credit by claiming I owe something they cant prove I owe. 

My wife is XXXX due to XXXX XXXX and we have XXXX children. I need clean credit to support my family. Id pay these extortionists off but they refuse to remove this from my credit report in return for payment. 

Please help me get some justice by making Transworld Systems follow the law! 

PS I filed a complaint # XXXX with the Pubic Utility Commission of Texas to get XXXX XXXX XXXX to provide an accurate record of amounts owed and paid. I pay my debts but demand they are accurate and correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03
Company: EQUIFAX, INC.
State: NV
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:
These are not my accounts, nor are the names listed on my credit profile. Please remove them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-18
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 information incorrect

Complaint:
s XXXX equity line is not reporting that in XX/XX/XXXX or XX/XX/XXXX that I was late. was ' never late in the month of XX/XX/XXXX please make entire year today correct with no lates!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08
Company: Paypal Holdings, Inc
State: WI
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
{$5900.00} USD was paid to me in my Paypal account. Paypal indicated to me that money would be avaialble to me in 48 hours. The 48 hours has expired and they refuse to release the money to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-13
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
In late 2018 I was traveling on holiday. My wallet was stolen and my primary Credit Cards were taken. As such I had to use my Wells Fargo Credit Card, which i rarely use due to the rate and the service. When I received my XXXX statement, i was shocked to see i was XXXX over my limit. I was also shocked to see I had missed a payment. When I called the bank, the banker informed me my statements were now being sent electronically. I did not request electronic statements and rely on the paper statement as a way to make payments. This has happened many times over the years. 

While Wells allowed me to transact - i was required to make the full payment. I am fortunate that I have the reserves to pay a huge one time payment. I know most consumer can't cover a {$400.00} unexpected expense. I asked why they continued to approve my purchases, why they never sent me text messages I had enrolled in, and why they never tried to contact me about being past due. The response was " because you are a good customer ''. I of course immediately paid the full amount due over the phone. But when it came to helping me as a customer, the answer was basically " no ''. 

Wells Fargo can/does send me daily emails on marketing materials, and does send me alerts of every fashion on my other accounts. I don't understand why they would allow this to occur and give no recourse to the situation. They refused to refund the late fee, ( I have never had a late payment in the last 20 years ), they reported the late payment to the credit reporting agency. I asked them politely to correct the reporting and they said no. They required I make a XXXX payment immediately or risk further damage to my credit score. This seems very deceptive and unfair. As I stated, I am lucky i can afford to resolve and that i have perfect credit - but what happens to most consumers in this situation? 

I called today to close all of my accounts. I currently have a mortgage, personal loan, personal line of credit, a credit card, two checking accounts and a savings account. I was directed to go " talk to a branch '' and see what they could do. 

I think the practice of allowing a customer to go grossly over their limit - just to report it as a negative on their credit report and create a very large payment due is unfair. They have many ways to contact me and choose not too, and should have simply declined my card purchases. This treatment has created fee income and adversely impacted my good credit.

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 2019-02-13
Company: PNC Bank N.A.
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Concerning the PMI on my mortgage. My loan balance to original purchase price is at 77.1 %. The rules state that at 78 % or below the lender is required to cancel the PMI. I contacted PNC Bank and their response was that they are going by the original amortization table and that date states some time in 2021. Otherwise they require me to pay {$500.00} to them for an appraisal, to be performed by an agent of theirs. I do not see where this is stated in the rules. I am below the required 78 %. Can you assist in getting the PMI removed from my mortgage? 

Thank You XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08
Company: SYNCHRONY FINANCIAL
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
my Bankruptcy Chapter XXXX case # XXXX was XXXX as of XX/XX/2021 but XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX keeps created small claim /debt claim case citations and calling me. My newest case is XXXX at XXXX XXXX XX/XX/XXXX in XXXX XXXX, Texas. 

The lawyer on the last page is XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, TX 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 2018-03-23
Company: Experian Information Solutions Inc.
State: MD
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:
Hard inquiries on my credit report from unknown sources.

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 2021-04-08
Company: Optima Recovery Services LLC.
State: TN
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:
After viewing my credit report, I found Medical Collection accounts which should not be in there. According to the HIPAA 1996 law section 1681b ( g ) ( 4 ) They are not allowed to disclose such information to any other person, this is clearly a violation to my privacy. My consumer rights has been violated under the HIPAA laws. I did not give permission to release any of my medical 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 non-monetary relief
Consumer complaint received 2020-06-03
Company: TRANSWORLD SYSTEMS INC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Transworld Systems was sent a debt validation letter by me for an account from XXXX XXXX they are trying to collect on. They failed to respond within the 30 day period mandated by law, and in their own letter back to me they acknowledged this lapse. Ive attached their correspondence showing their acknowledgement.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26
Company: GOLDMAN SACHS BANK USA
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I found out today through my banker at XXXX XXXX that my credit score has dropped significantly do to an unpaid bill on Apple Card. 
I do not have an apple!! 
I was asked to call the company which I did. 
I informed them that I dont even have an Apple as I never opened an account. They told me that the only way to clear this is to file an identity fraud report either with the police or on the XXXX  site. Then get a copy of the report and mail it to them so they can begin the investigation. 
So as crazy as it may sound I need a copy of this to mail to the company, Goldman Sachs, so they can start the investigation. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09
Company: ALLY FINANCIAL 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 information incorrect

Complaint:
Called to schedule payment and gave them the account information and the account number wasnt correct and the payment never went through agent was working remotely and had terrible phone service I requested them to fix this and they never did.

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 2020-05-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
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:
On XX/XX/2016, it shows on my credit report that I was late for the month of XXXX and XXXX. I believe this is incorrect because I have had this account in forbearance until the settlement has cleared. I also contacted XXXX in XXXX about this matter and my account on my credit report. nothing has been resolved. This is my second attempt on settling this matter to remove my late payments on my credit report.

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 2023-07-31
Company: EQUIFAX, INC.
State: KS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I recently submitted a request for an investigation of the disputed accounts, Since I believed 3 Credit Bureaus didnt properly investigate my dispute. 3 Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update the following accounts from my file. 

XXXX Balance : {$31000.00} ; XXXX XXXX : {$16000.00} ; XXXX XXXX Balance : {$2900.00} ; XXXX XXXXXXXX Balance : {$17000.00} ; XXXX Balance : {$12000.00} ; XXXX XXXX : {$17000.00} ; XXXXXXXX XXXX Balance : {$11000.00} ; XXXX XXXX XXXX Balance : {$680.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-03
Company: Persolve, LLC - Legal - Series 2
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
I am in receipt of correspondence from Persolve Legal Group dated XX/XX/2020 regarding debt that I have no knowledge of and does not appear on my credit report. I have responded. I am a senior citizen and they continue to harass me which negatively affects my health.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-13
Company: KEYCORP
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
We had been using Keybank since our XXXX started XX/XX/2018. We had for convenience created a relationship with XXXX on our website. We had our first big event XX/XX/2018. We used XXXX " swipe '' for our evening of food, entertainment, auction, and raffle. The next day when we attempted to access our funds we were met with " unusual activity account is locked ''. As you can imagine we  were shocked and amazed that our funds we needed for entertainment, vendors etc. was being held. We had never had funds held by XXXX before. I immediately contacted Keybank to inform them of the problem and they proceeded to charge us over {$800.00} in overdraft fees. The problem was not solved for 2 weeks and Keybank continued to charge us over and over again overdraft fees. We complained to the manager, he said he spoke to his higher-ups ... nothing was resolved and they did not reverse the funds taken. We are now complaining to the Executive Team of Keybank in XXXX Ohio. We made a complaint with the Attorney General of Washington they did get to XXXX for us. XXXX continues to state they did everything right. We are stuck between two giants and we are a small XXXX. We believe that we had no negligence and no fault on our behalf. We do not understand how a bank can justify benefiting from a customers unfortunate circumstance. We would like you to approach Keybank with this problem on behalf of XXXX XXXX XXXX XXXX XXXX. 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX  XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07
Company: National Credit Systems,Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I have NO contract with this debt collection service the original debt was discharged and balance was paid by XXXX which I have had for 20 years. I am a XXXX XXXX XXXX  and I have tried contacting the company and it's CEO XXXX XXXX via email and mail requesting the following : " I would be happy to settle any financial obligation I might lawfully owe, as soon as I have received the following documentation from you : 1. Validation of the alleged debt ( the actual accounting showing a loss ) ; 2. Verification of your claim against me ( either a sworn affidavit or a hand-signed invoice in accordance with The Bills of Exchange Act 1908, Section 23 ) ; 3. A copy of the contract signed by both parties and therefore binding both parties. 
4. Please also provide me with a true and certified copy ( NOT photocopy ) of the Original Note ( Credit Agreement ), under penalty of perjury and with unlimited liability and confirm that this Note, has never been sold. Please also confirm the name of the individual who is the duly authorized representative from your company, who has carried out due diligence under the Anti- Money Laundering and Countering Financing of Terrorism Act 2009 and what actions s/he has taken in relation to this account. 
NOTICE TO AGENT IS NOTICE TO PRINCIPAL ; NOTICE TO PRINCIPAL IS NOTICE TO AGENT I hereby give you ten ( 10 ) days to reply to this notice from the above date with a notice sent using recorded post and signed under full commercial liability and penalties of perjury, assuring and promising me that all of the replies and details given to the above requests are true and without deception, fraud or mischief. Your failure to provide the aforementioned documentation within ten ( 10 ) days, from the above date of this notice, to validate the alleged debt, will constitute your agreement to the following terms : 1. That the alleged debt did not exist in the first place ; OR 2. It has already been paid in full ; AND 3. That any damages I may suffer, you will be held culpable ; 4. That any negative remarks made to a credit reference agency will be removed ; 5. You will no longer pursue this matter any further.

6. You agree to pay all fee schedules.

Please Note : I wish to deal with this matter in writing and I do not give your organisation permission to contact me by telephone. Should you do so, I must warn you that the calls could constitute harassment ' and I may take action under XXXX XXXX XXXX XXXX XXXX XXXX. '' They have yet to respond or remove negative remarks from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
Company: Westlake Services, LLC
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
This Westlake bank loan is paid off. Please correct the balance and close the 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 2021-03-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
On XX/XX/2021 I submitted a wire transfer internationally from my Bank of America Account to my International Savings Account and as of XX/XX/2021 I have not receive my money, the transfer for what I submitted was promise to be delivered on the XXXX of XX/XX/2021.

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 2018-02-18
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
ONEMAIN ( credit inquiry ) XX/XX/2018 on XXXX credit bureau XXXX XXXX XXXX XXXX IN XXXX I had called this company and asked questions and they had my information from a previous application and reran my credit. 

WAS NOT TOLD THEY WERE RUNNING A HARD INQUIRY! 

I asked to to remove and I was told to dispute it. 

Spent one hour on hold with XXXX with no success. 

I wand this deleted inquiry deleted from my XXXX credit file please

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Capital One has failed to provide proof funds were received from a closeout check reissued on XX/XX/XXXX, delivered the following day on XX/XX/XXXX. Prior to this, a check in the same amount of XXXX was mailed on XX/XX/XXXX, received on XX/XX/XXXX, the day before I left for vacation. This check had a stop payment placed on it prematurely, Capital One reps did not allow enough time for first check to receive before placing stop payment, reissuing it. I left for XXXX XXXX the morning of XX/XX/XXXX, XXXX XXXX with XXXX XXXX XXXX picked me up, drove me to XXXX Airport at XXXX XXXX, XXXX XXXX can be reached at XXXX. I have attached a statement from Mr XXXX stating he picked me up on said date and time, the itinerary from XXXX is also attached. I spoke with a supervisor named XXXX on XX/XX/XXXX, he stated if check was in fact intercepted and cashed by another party as it was then I am still owed funds by Capital One, he requested a replacement check. A reply from another rep, XXXX, states no check will be sent. Prior to this, I've requested Capital One review signatures on both checks, they will see signatures do not match. This was requested yet again, Capital One requested additional time to respond, then turned around and marked complaint as a duplicate. They fail to recognize this fact, my signature was forged, if they did so, they would have to reissue check.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
Someone obtained my social security information along with my date of birth and opened up the following credit cards and financial accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( 2 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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