BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-02
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Between the dates, XXXX, both my checking and savings accounts were depleted by criminals engaging in bank fraud. On XX/XX/XXXX, I received a call by a man claiming to be with Citibank. He stated that they detected suspicious activity on my account. He already knew which account and confirmed my address. I didn't give him any of my account information. He asked if I had made a purchase at a XXXX outside of VA- I had not. He then asked if I had made two other purchases, named the vendor and the amount spent. I had made those. Because he knew my actual account information, what I had recently spent, and my address, I believed him to be a Citibank employee. I later found out that he was not. After stating there was a lot of fraud going on, and that Citi wanted to make sure my fraud alerts were getting to me, he said that he needed me to read back some codes. I've had to read back codes before, so this didn't alarm or alert me that something illegal was happening. I mentioned that I would need my new debit card quickly as it was just 2 weeks away from XXXX and that I needed to finish shopping. This scammer said he understood and expedited a new legitimate debit card to my apartment. He even said that he was going to waive the fee to expedite it since I had been on the phone for a while. I thought it was a nice customer courtesy, and much to my chagrin, thanked the criminal. I did, in fact, receive the new debit card, and after receiving another call from the criminal, on XX/XX/XXXX, where he asked for the cvv ( which I didn't give to him ), I went to my local Citibank branch. It was then and there that I was told that both of my accounts were wiped out. The thieves moved my money through both of my children 's accounts in order to get all of it. I had close to {$30000.00} on XX/XX/XXXX and around {$14.00} on XX/XX/XXXX. Citibank has given me some credit, but has not returned it all claiming that part of my story lacks credibility. I have told them, and am still willing, to do whatever I need to do to get all of my money back. I am the victim here. I know there are many more of us out there having to fight ( file claims, make repeated calls, fill out endless forms, profess our innocence to seemingly deaf ears, visit police precincts, etc. ) just to get back what is ours. It is beyond frustrating and unfair to put the burden on the victim. After attempting to work with Citibank, and not getting resolution, I filed a complaint with the Department of Financial Services ( XXXX - XXXX XXXX ) on XX/XX/22. On XX/XX/XXXX, I received a response stating that I should file a complaint with the CFPB. After more frustration with Citibank, I am filing this complaint hoping to finally get resolution.

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 2020-10-22
Company: WINN LAW GROUP, APC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
This is a XXXX XXXX Credit Card Debt from XXXX. 
I have been trying to settle this debt for over 1 year with XXXX ( who owns this debt now ), as well as with Winn Law Group ( their lawyer, Mr. XXXX ) - however, XXXX says they can not receive payments, because Winn Law Group is handling this for them. I was told by XXXX to contact Mr. XXXX, but this is imposible, since he refuses to speak to clients. I have called more than 50 times, I have left more than 40 voice messages on his answering machine in XXXX as well as XXXX. 
The phones are being answered by different receptionists - I have records of all the dates and times and names when I called. 
I have asked for call backs, but Mr. XXXX has never responded to my many attempts in over 1 year. I have made many good faith attempts to settle this debt, but Winn Law Group,  Mr. XXXX, are unwilling to talk to clients, to respond to emails or priority mail letters, he prefers threatening people to sue them even when they are willing to negotiate and pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-12
Company: DailyPay, Inc
State: OR
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
Direct deposit pay delivery delay. Zero communication with customers about this. I received nothing from them during this experience. And Fraudulent information on website. Started on XXXX, day was supposed to get paid, said would be fixed ASAP but instead they just moved the posting date of my paycheck to XXXX. Again, not a single communication sent about any of this. Disappointed on lack of assistance and communication. Would not trust this company with my pay moving forward.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03
Company: PORTFOLIO RECOVERY ASSOCIATES 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:
On XX/XX/2020, ( officially picked up from the XXXX XXXX on XX/XX/2020 ) I sent Portfolio Recovery Associates a debt validation letter to address inaccuracies and errors that they illegally placed on my credit report. They reported 3 accounts with balances of {$2100.00}, {$1400.00}, and {$2400.00}. In my letter, I requested that the company send the following : 1. What the money you say I owe is for : 2. Explain and show me how you calculated what you say I owe : 3. Provide me with copies of any papers that show I agreed to pay what you say I owe : 4. Provide a verification or copy of any judgment if applicable : 5. Identify the original creditor : 6. Prove the Statute of Limitations has not expired on this account : 7. Show me the you are licensed to collect in my state : 8. Provide me with your license numbers and Registered Agent or Agent of Service The company never validated the debt. It only sent me copies of billing statements, and the Federal Trade Commission clearly states that billing statements are NOT a proof of debt. LETTERS AND TRACKING WILL BE ATTACHED. Also, in the companies prior response, the company stated that it sent me initial notification letters. THAT IS A LIE AS I HAVE NEVER RECEIVED AN INITIAL NOTIFICATION LETTER. Furthermore, YOU ARE REQUIRED TO SUPPLY THE CONTRACT. What else gives me any legal obligation to PAY YOU? A CONTRACT WITH MY SIGNATURE ON IT. Also, on the XXXX XXXX  account, THAT ACCOUNT IS PAID IN FULL WITH THE ORIGINAL CREDITOR WITH NO HISTORY OF DEROGATORY STATUS *Proof will be attached*. ANOTHER THING, in your response to the previous complaint, you stated you ceased all communication and collection activity with me. My letter stated for you to CEASE ALL TELEPHONIC COMMUNICATION WITH ME AND COMMUNICATE WITH ME VIA LETTER MAIL AS WELL AS CEASE ALL COLLECTION ACTIVITY IF YOU CAN NOT VALIDATE THE DEBT. Is this your admittance that you can not validate the debt? To this day, this company has not legally validated this debt and still reports it to the credit bureaus. This company has not answered any of the questions in my letters. Billing statements are not a validation or proof of debt as anyone can create a billing statements. How do you have a billing statement from the XXXX Account and the account is paid in full? How do you have a XXXX XXXX account and that account ( original creditor ) is not on any my credit reports. Lastly, how do you own accounts that are allegedly mine if the Original Creditor CANT EVEN VERIFY THAT THOSE ACCOUNTS BELONG TO ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-19
Company: Results Unlimited, Inc.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XXXX XXXX, {$510.00} was held by my bank. Upon calling, I was told it was in regards to a legal matter. I was given a phone number to Results Unlimited regarding a debt that I was unaware of. I asked how and when they notified me about this. SHe told me she did n't have the file in front of her and did n't know. She asked how I wanted to pay and that my options were a credit card or they 'd keep the funds currently being held. ( which seems illegal to me ) I woke up with NO CLUE why money of mine was being held. Out of fear, I paid with a credit card over the phone and was told I 'd receive a letter and the hold would be removed by my bank. 
Today I discovered, after calling my credit card company, that Results unlimited took a cash advance from my credit cared and I was charged another {$19.00} dollars. I was NEVER told it would be a cash advance. I 've tried calling and it just rings and rings. My credit card instructed me to call them, as they could not refund the charge. 
This has been awful. All 10 days before XXXX. There has been NO communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: WELLS FARGO & COMPANY
State: OR
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
We tried to work with company and the laughed at us. They said they would never do that. We ended up having to short sale our home

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 2017-01-24
Company: Mobiloans, LLC
State: FL
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
I have been getting phone calles from this company saying I owe them money. I have never opened a account with them and now call me countless times every single day saying the same thing over and over again about me owing them money. When I explained to them that I have never opened a account they said for me to contact you on this site and the phone call will not stop until I pay.

Company response to consumer: Untimely response
Consumer complaint received 2020-07-24
Company: Paypal Holdings, Inc
State: MN
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
PayPal has been deceptive in their fees. I have been selling items on XXXX, and PayPal charges the shipping fees, as well as holds the profits from the sale. PayPal is charging BOTH my PayPal account and my checking account for shipping fees associated with selling my items on XXXX. I've contacted both XXXX and PayPal numerous times, particularly in the Month of XXXX. XX/XX/XXXX was the last day of the conversations with PayPal and XXXX. Both companies should have our conversation history with dates. Both XXXX and PayPal kept giving me the runaround -- saying it was XXXX XXXX fault -- and vice versa. 

Furthermore, when I try to sell items on XXXX -- it asks me to chose the method of payment. If I select PayPal -- the ONLY options PayPal gives me are my personal checking/credit accounts. I want PayPal to be the payment method -- not my personal accounts, and certainly not both accounts. 

I finally -- on my own -- discovered how to stop the bleeding on future transactions, but I still have ten transactions that are owed refunds. The way I figured it out was to go into PayPal, find automatic payments. There, you can see my checking account is associated with my paypal account and ebay account -- this is where I was double charged. I clicked to deactivate this automatic payment -- then started a new automatic payments with PayPal only -- not linking a checking account. Now, when I sell on ebay -- it directed me to Paypal, and the only option for automatic payments was PayPal, and not my personal accounts. This seems to be an obvious UDAAP violation. 

The amount of runaround I received from dozens of representatives from PayPal and XXXX was absurd. I asked to escalate the issue numerous times and nothing was done. 

Here are the transactions with dates and cost that still need resolution ( my name redacted with X ) : XX/XX/XXXX PAYPAL INST XFER {$3.00} XX/XX/XXXX PAYPAL INST XFER {$3.00} XX/XX/XXXX PAYPAL INST XFER {$2.00} XX/XX/XXXX PAYPAL INST XFER XXXX XXXXX XXXXXXXX {$3.00} XX/XX/XXXX PAYPAL INST XFER XXXX   XXXXX XXXXXXXX {$3.00} XX/XX/XXXX PAYPAL INST XFER XXXX XXXXX XXXXXXXX {$3.00} XX/XX/XXXX PAYPAL INST XFER XXXX  XXXXX XXXXXXXX {$3.00} XX/XX/XXXX PAYPAL INST XFER XXXX XXXXX XXXXXXXX {$3.00} XX/XX/XXXX PAYPAL INST XFER XXXX XXXXX XXXXXXXX {$2.00} XX/XX/XXXX PAYPAL INST XFER XXXX XXXXX XXXXXXXX {$2.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
My husband I applied for credit card and the credit card company denied because too many inquiries according to Transunion credit company. We had contacted Transunion to find out and were told that due to too many hard inquires and they also informed us how to resolve the problems. 

We were told to contact the companies to request " Deletion of Inquires '' and need to submit to them and then they will delete the those hard inquiries. The most of inquiries from mortgage companies because we were trying to find the lowest mortgage rate to buy a house. Transunion understood we were searching for lowest mortgage rate but they can't delete the mortgage companies from the hard inquires list based on what we told them. According to Transunion, they have to receive the deletion of inquiries form from the companies We have contacted the mortgage companies and are told that they never heard of deletion of inquires and its legitimate inquires by any mortgage companies to check their clients ' credit history. 

We are caught between two companies and neither of them would not do anything to help us. I don't understand why the Transnion raise red flag to their customers when they are searching for lowest mortgage rate? 

All the companies told us they can't send us the deletion of inquires verbally when we contacted them. 

We would appreciate if you can convey our frustrations to the Transunion.

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 2023-01-20
Company: EQUIFAX, INC.
State: MN
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22
Company: BANK OF THE WEST
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Confusing or missing disclosures

Complaint:
I have been a joint customer with my mom at Bank of the West for over 15 years. On XXXX XXXX, 2020, I opened a money market account under the existing name ( married name ) on the account. There was no problem opening the account. My mom (  XXXX years old ) is a senior and from time to time she lives with other family members. Earlier this year we had a family issue that compromised my moms account and we had to change her banking information. It took us approximately 3 weeks to make her account secure as they were notified that there was missing checks to my moms account. The same day we changed the account information, a Social Services representative came to my house wanting to speak with my mom to verify I had not  committed XXXX XXXX to her. Since my mom does not pay me rent and the funds continued to grow and she continues to live with other family members, we decided to move some of the funds to a money market account. There was no problem opening the account, however, I received a letter dated XXXX XXXX, 2020, from the bank requesting verification of my identify due to the IRS involvement. I had no problem with bringing them the verification. The letter stated that I had a deadline to provide the verification. I sent them a letter requesting they provide me with documentation from the IRS prior to the deadline. They failed to send me the IRS contact information and told me during the personal visit that the bank has no such documents for presenting these sensitive documents. On XX/XX/2020, I walked into the XXXX, Ca branch bank to provide verification and was denied because they wanted to make a photocopy of the verification ( social security card ) without providing me a form from the IRS requesting this information be forwarded to them. The environment was an unsecure open environment and I was publicly ridiculed by the manager for all bank participants to hear and see during the conversation and as I walked away from her. I went home discouraged by her and move the money back into the account in which I was charged a fee for the transfer. The same day after notifying a complaint contact number for the bank I was told the Regional Manager would contact me, as of this date I have not heard from any representatives from Bank of the West.

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 2023-02-08
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
In XXXX of XXXX, I wrote out XXXX checks from my personal checking account at Citizens Bank : Check Date XX/XX/XXXX, Check # XXXX, Payee XXXX XXXX XXXX XXXX, Check Amount {$6300.00}. 

Check Date XX/XX/XXXX, Check # XXXX, XXXX XXXX XXXX XXXX XXXX, Check Amount {$6300.00}. 

Someone got a hold of these checks and created fraudulent checks with the exact same check # and amount. The only difference were the names the checks were made out to. 

Instead of XXXX XXXX Vacation Owners a check to XXXX XXXX was deposited for {$6300.00} and instead of XXXX XXXX and XXXX a check to XXXX XXXX was deposited. 

I reported this fraud to Citizens Bank in XX/XX/XXXX once we realized what had happened. They submitted a claim, but it was denied because we didnt notify them in time. 

I escalated this to a banking contact at Citizens Bank and was put us in touch with someone in their fraud department. I left multiple messages for the fraud department, but never heard back.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 have filed a dispute in regards to inaccurate information reporting on my credit report. It has been well over 60 days and I haven't received any investigation results. The items on my report are in violation of the FCRA. There are unauthorized accounts and inquiries on my credit report. There is also accounts that have late payments that are inaccurate because I have always paid them as agreed. These are in direct violation of the FCRA.

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 2023-01-20
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
constantly charged fees

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 2020-10-27
Company: Experian Information Solutions Inc.
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: Investigation took more than 30 days

Complaint:
I am having the exact same problem as my husband. I also mailed disputes to the bureaus on XX/XX/XXXX and have not received a response. It has been nearly two months now, and still nothing. I feel like I'm being ignored, please advise.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I have tried for over a year now to get my credit report from Equifax. I have tried numerous times on XXXX and they still denied me numerous times. I had no problem getting my credit reports from, XXXX and XXXX on XXXX. but Equifax is the only credit reporting agency that will not let me. I followed the process of trying to get it perfectly. But Equifax still denies me. Something needs to be done about this., Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-03
Company: EQUIFAX, INC.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Ive been affected by the equifax breach and have multiple accounts that i have not authorized on my reports.

Company response to consumer: Closed with non-monetary relief