BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-09
Company: WELLS FARGO & COMPANY
State: UT
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
The shock came during the week of XXXX XXXX. We were devastated to learn that my husband was victim of a telephone scam, the banks securities had failed, and the savings can not be recuperated. He had been called supposing from the SSA and they had told him there were charges on him and that the social security number had been used for drug trafficking and money laundering. He was so scared of having to go to prison and not being able to see our daughter and me that he believed the story. Additionally, he was told not to tell anyone about this because else it would go public. He was tracked for a week and when they found out he was about to transfer all our savings from XXXX to here ( {$260000.00} ). The scammers told him that he needed to send the money to a safe account in XXXX. He would then get the money with his new Social Security number which would not have any charges on it because they now were sure that he was not involved in any drug trafficking. We already had the contract for a house and the money from XXXX was supposed to be the down payment. Of course, no money came, and my husband broke down and we had to cancel the house contract. We reported this to the police and the FBI, but nothing is happening. Also, the involded banks ( Wellsfargo and  XXXX XXXX ) are not very cooperative. {$30000.00} USD had been transferred from our Wells Fargo account to the fraud account in XXXX. We had just opened the account, transferred some money into the account and the bank knew that we were planning to buy a house. How could they have not asked for a reason for us to transfer all our money to a known money scamming country? Why are there no extra security checks in place for these types of suspicious transactions? My husband was blackmailed, and it should have rung all the bells within the bank. 
We have asked the bank to try to stop the transaction and get the money back but they said that they had tried but not succeeded and that it was our own fault. 
Wells Fargo allowef the transaction on XX/XX/2020 XXXX . The XXXX XXXX XXXX allowed following transactions. Transaction Amount : {$140000.00} Transaction Date : XX/XX/2020 and Transaction Amount : {$90000.00} Transaction Date : XX/XX/2020.

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 2023-02-10
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I received an alert on from my credit monitoring that I have a past due account in the amount of {$480.00} through a XXXX XXXX XXXX  credit card that was opened under my name on XXXX XXXX, XXXX. However, I never opened this account. 

I contacted the XXXX Fraud department, and they told me that there was indeed an account opened under my name. 

XXXX told me that they closed the account and marked it as fraud, and they recommended that I also open a report here. 

My credit score went from XXXX down to XXXX due to this fraud

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: EQUIFAX, INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX IS NOT ADA ACCESSIBLE. Federal Trade Commission Website CONSUMER INFORMATION. see attatched FTC ID Theft case XXXX XXXX   provided NO ACCESS. FTC You may view FTC Website on line. Question 1 ) Have you been billed for merchandise you never recieved? I ANSWERED YES. FTC explains Mail Internet Merchandise Rule & Fair Credit Billing Act YOU DON'T HAVE TO PAY FOR MERCHANDISE YOU ORDERED BUT NEVER RECIEVED. see attatched CRIMINAL INVESTIGATION. Letter dated XX/XX/XXXX USPS deliveries not made US POSTAL INSPECTION. see attatched EQUIFAX CREDIT REPORT. EQUIFAX has a duty to Consumers to VERIFY WITH WRITTEN DOCUMENTATION SIGNATURE & ACCEPTACE OF DELIVERY THESE ITEMS WERE DELIVERED INTO MY HANDS. ( XXXX REFUSES DOCUMENTATION OF ACTIVATION DATES OF THESE NEW CARDS ISSUED. endings XXXX XXXX XXXX & XXXX XX/XX/XXXX & XXXX XX/XX/XXXX & XXXX XX/XX/XXXX ALL REPORTED TIMELY BY PHONE MY ONLY OPTION WITH NO XXXX ACCESS. ) see attatched XX/XX/XXXX XXXX LETTER ALLEDGING THOUSANDS OF DOLLARS WERE DENIED NOT REPORTED TIMELY. Provide verified documentation these goods were delivered into my hands. ** XXXX illegally collected on this ID Theft and DESTROYED MY CREDIT. See attatched XX/XX/XXXX of collection XXXX   DENIED MY CLAIM ( see attatched XX/XX/XXXX Letter XXXX AND EXPECTS PAYMENT. EQUIFAX HAS DUTY TO VERIFY WHAT THIS BANK DID NOT OR REMOVE. PER FAIR CREDIT ACT PROTECT FOR CONSUMERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
Company: EQUIFAX, INC.
State: GA
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:
trust account XXXX issued by XXXX was closed on or around XX/XX/2023 and paid in full.Item has been disputed by consumer with attached documents from said bank stating such and Equifax has parroted the E-oscr system without a thorough investigation, in clear violations ; ation of the FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: ID
Product: Debt collection
Sub-product: Mortgage debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Often by mail and phone when searching for work. {$1200.00}. Said i could not pay anything at this time due to financial reasons. I will when i can. To be settled with time. Wanted to know what else could be on my credit unsettled : mortgage, credit cards, medical and XXXX XXXX. 

Consolidate. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05
Company: Patrick Scanlon P.A.
State: DE
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XXXX I received a wage attachment at my job regarding a debt fro XXXX. I disputed that debt back in XXXX when my ex used my card without my permission. Never hear a word about it after that. I asked for a validation of debt but they just sent me a print out of the original balance that I originally disputed 12 years ago and was advised I had nothing to worry about. I have great credit and this account is not on my credit report. The attorney is very rude, demanding and threatening. I never received a correspondence regarding this or a wage attachment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09
Company: Incomm Holdings Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
I purchased a XXXX gift card from the XXXX website for my Fathers birthday. My credit card was charged. After 3 weeks, my father did not receive it. I contacted customer service and found out that the card was sent to the wrong address ( per their error - I inputted the address correctly ). They are not refunding my money nor providing a replacement card.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19
Company: Paypal Holdings, Inc
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I open a paypal account and everything was ok, after a month i decide to try to use my paypal and them it was a limitation place on the account but when i decided to send my ID i received a email everything was good. 

i called paypal for made sure that my account was full access and after i talk to agent she decided to limited my account without any explanation. 
i told her why you put the limitation is there nothing on my account and she said there is a risk. i said that not any risk becouse i do not have any transaccion, that stupid. 

my account was place a limitation without any explanation with arbitrary desicion after i called! 

XXXX ID - XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27
Company: PENNYMAC LOAN SERVICES, LLC.
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I apply for a refinance loan, and after the make me wait over 2 month, had me do An Appraisal that can higher than expected the changed the application process, they desided no to count my rental income ( reason unknown ) so my application was denied but they didnt even send me a letter or nothing. So after 2 weeks trying to get and answer they just said I have to re apply so they block me from getting a loan fron a deferent lender with the offer they did not honor, and help lower my score by summitting multiple applications

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-30
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft and this debt does not belong to me. 

Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-10
Company: Shellpoint Partners, LLC
State: GA
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
I was behind in my payments, I called and got the amount due. Made the full payment in XX/XX/XXXX and brought it up to date, so I thought. I called in XX/XX/XXXX to see if I had a payment due. I was told no payment was due. In XXXX, I made two payments for XXXX and XXXX and was then told I had a late fee from XXXX, This company charged me XXXX for the appraisal fee for two months when the account was up to date. This company charges a XXXX appraisal fee when you're late with your payment, but for that month I was not late. When I asked, I was told that they dot pick the time that the company goes out and do the appraisal. I was told that they did one in XXXX but I paid up in XXXX. The work said I paid at the end of XXXX and the company had already went out. The fee was for XXXX and XXXX, which again makes no sense. Now that I went in a forbearance for the hardship that I experience for the Corvid 19. I again asked that that fee be removed. I also trying to get the missed payment added to the end of my loan, but they are saying that for Va loans that not an option. I don't believe that our government will not help their veterans. I

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 2020-09-09
Company: Experian Information Solutions Inc.
State: OR
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:
Hello, I received an email from Experian on XX/XX/2020 saying that my credit score had changed. When I went to view it, it had dropped 22 points. When I called them I was put on hold 4 times with no answer over a period of 2 hours. 
When I got through on XX/XX/2020, I was told that all Experian could do is tell me my score and review it compared to the other bureaus. They did that and only found {$1.00} difference in balance at the end of the month. The other bureaus show no change in score thus far. 
Today XXXX, I went to look at my Experian score through my XXXX card to see that that site did not reflect a 22 pt decrease. 
Experian could not tell me why this drop happened and the manager,  XXXX, told me it was a federal law that prevented her from giving me more information, but could not tell me what law. She was discourteous with me and told me I had to hire a private consultant to explain my report. 
I would like more information about this law and this information. 

A 22pt drop is too big to just be notified via email with no information and then be told I had to hire someone to learn more. Fortunately, my score is very high and 22 pts does not affect me a lot, but this is very poor practice, not consumer protection. It leaves me worried that something is happening with my finances, at a time when I already have too many worries. I am very old school and stay very current with all of my accounts and always check discrepancies. I need more information. 

Please inform, ASAP Thank you, 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
Consumer complaint received 2021-03-04
Company: Cottonwood Financial Ltd.
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't stop withdrawals from your bank account

Complaint:
I have talked to a guy in XXXX who forced a payment plan for XX/XX/2021 after I told him I no longer work due to my husbands XXXX. XXXX insisted I had to or he was going file criminal charges but I could call closer to date for other arrangements. No signed documents or agreements were made by me. Cash store attempted several times after I was able to make a payment in XXXX to continuously debit my account and refuses to take my bank account information out of their system bc they said they have a right to do so. They continuously call and mail letters to myself and references harassing and threatening us with a lawsuit for criminal charges. They doubled the interest and price of loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-25
Company: Navient Solutions, LLC.
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I was alerted by my credit monitoring system that my credit score decreased significantly and I had 12 missed payments. I immediately looked at my report and saw Navient my Student loan servicer reported my accounts were 90 days past due. I am on a income repayment plan and my payments have been zero each month. When I called Navient in XX/XX/XXXX, they stated I failed to renew my income repayment plan I never received anything from them stating I was up for renewal. Navient stated they emailed me as that was my preferred method of contact. I told them no I updated my mailing address which you have on file the email address is no longer able to receive emails. I was told I had to ask for a forbearance if not my account would continue to report negative to the credit bureau while I renewed my income based repayment plan, so I did. I disputed being 90 day late on my 12 student loans with all three Credit bureaus, however each time Navient reports back they have stated my balance increased by ( as example XXXX on one loan, XXXX on another ) etc. With the payment rating still showing late. They capitalized on interest loans from when I graduated XX/XX/XXXX until now have XXXX in interest charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am asking that you simply instantly erase data off of my credit report that isnt mine. I have filed a police report stating that this account is not mine which my character may have been stolen which I have included with this letter. I don't recognize this account and have never caused obligation with this creditor. I don't know where they came from.

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: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
XXXX We received email from PayPal that our account is closed for no reason, Currently on the account is XXXX EUR amount ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) EUR. The costumer support is not responding to my emails, we've been writing messages in PayPal message center and they not help us, we've been trying to call support center after they check account status they just hang up the phone and automated message tells that they can't help us throw the phone with our problem and that we need to send message throw resolution center. 
Our PayPal account is : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03
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:
My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. 

Upon reviewing my updates, incorrect information was found in my reports. The EQUIFAX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : 1. XXXX XXXX Inquiry Date XXXX XXXX, XXXX ; 2. XXXX XXXX Inquiry Date XXXX XXXX, XXXX ; 3. XXXX XXXX Inquiry Date XXXX. XXXX, XXXX ; 4. XXXX - CARD SERVICE Inquiry Date XXXX. XXXX, XXXX ; 5. XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX, XXXX ;

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04
Company: NAVY FEDERAL CREDIT UNION
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am a Federally Protected Consumer. I sent Navy Federal Credit Union a debt validation letter for accounts ending in XXXX, XXXX. Navy Federal Credit Union did not follow Federal Law in regards to providing proper validation of the alleged debt. NFCU has been reporting inaccurate information on my consumer report. The Fair Debt collection practices is intended to secure my right to privacy and protect the consumer against abusive and deceptive debt collection practices. This includes NFCU violating The Truth in Lending Act and the Fair Credit Reporting Act. I have mailed documentation to NFCU to rectify this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-03
Company: Paypal Holdings, Inc
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/XXXX an email was received from Venmo stating " [ ACTION REQUIRED ] You did not have sufficient funds in your account to cover there payment of a dispute case. '' Venmo has restricted the account on the grounds that some type of item was purchased when the transaction is considered a gift as marked with a gift emoji. 

The company describes its service as making sending money safe, simple and social. Yet shows negligence when cases or disputed. I was even contacted by Venmo whom states the account is not even associated with its email address.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09
Company: Experian Information Solutions Inc.
State: FL
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 inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.

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 2018-07-30
Company: Navient Solutions, LLC.
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
Navient/Sallie Mae added additional fraudulent charges on to my account in XXXX. After I graduated from XXXX XXXX University, my total principal balance was only {$48000.00} ( Federal Perkins loan : {$1900.00} ( which should have been paid in full ), Direct Stafford Subsidized Loans : {$18000.00}, and Direct Stafford Unsubsidized Loans : {$28000.00} ) before I consolidated my loans. Navient or Sallie Mae added two dollar amounts of {$40000.00} and {$19000.00}. This increase my total principal balance to be {$140000.00}. My principal balance should have been {$84000.00}, instead of {$140000.00}. In addition, XXXX XXXX charged me {$190.00} to consolidate my loans, which is also illegal. The struggle to pay on this fraudulent balance has caused me emotional and physical stress. XXXX XXXX should have caught this error. I am requesting that you all forgive the whole total balance due to Navient and Sallie Mae 's fraudulent activity and XXXX XXXX ' failure to catch this error and correct the error. In addition, I was not in school during XXXX. I graduated from XXXX  XXXX University in XXXX and did not attend XXXX XXXX University until XXXX. Please see the attached file for documentation.

Company response to consumer: Closed with explanation