BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-06
Company: AMERICAN EXPRESS COMPANY
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Overcharged for something you did purchase with the card

Complaint:
On XX/XX/2022 I used my American Express card at XXXX & XXXX 's XXXX in XXXX, WA. XXXXXXXX XXXX XXXX XXXX  XXXX charges a 3 % service charge on all transactions. The merchant does not disclose this fee before charging the customer. There is no written notice anywhere in the business and no verbal notice. The only notice of the service charge is on the receipt after the transaction is finalized.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-10
Company: Credit Karma, LLC
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I was asked to verify my identity because someone used or attempted to use my information to create an account with the website. I sent in my documents that were asked of me to verify my identity and have received no notification that my file is being reviewed. Its been more than a few weeks and still nothing. Also they have no customer support phone number

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Constant fees for overdraft when money was available

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 2017-12-05
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
For the past 5-6 months I have been trying to get Wells Fargo to explain to me why is this a mortgage.I went with my mother in XX/XX/XXXX to Wells Fargo to get a debt consolidation loan.She XXXX XXXX in XX/XX/XXXX, I ( XXXX XXXX ) her daughter got the house willed to me.They did a modification in XX/XX/XXXX jto lower interest rate.I paid monthly on the note .Then I find paperwork from XXXX that was added to the Wells Fargo note.To this day, they said I do n't make enough money to get a modification.My only 2 opinions is pay what is due or sell the house.NOT HAPPENING!! They still have n't answered why it 's a mortgage and why XXXX is still on there.That was my mother 's I feel I and my mother XXXX rest her soul have been taken advantage of.

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: Mortgage Research Center, LLC
State: VA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
We have a VA loan through Veteran 's United. At the time of closing, XX/XX/XXXX, they were made aware that we were exempt from paying real estate taxes due to my husband being XXXX XXXX  XXXX. I forwarded a copy of our exemption letter from the county in XX/XX/XXXX. They explained to us that they would still need to collect money for taxes until they could verify this with the county,  they only verification they would accept was a tax bill, which would come in early XXXX. In XXXX, our tax bill came showing that we only owe {$12.00} for storm water and {$0.00} for taxes. In XXXX, the representative at Veterans United stated that issue would be resolved soon. I called again at the end of XXXX because I had not revived any correspondence from them. 
Today is XX/XX/XXXX. This issue still has not been resolved. When I log into my on-line account, it still shows that our Mortgage payment is {$1700.00}. Today, I spoke with a representative who stated that we will once again need to pay the full amount for XXXX, even though they now have the paperwork stating that we do not owe any taxes. Our escrow account is currently at {$2100.00}. The representative told me today that we would still need to pay over {$100.00} a month for escrow. Our insurance payment is {$400.00} per year. When asked why they would collect over {$1200.00} a year to make a {$400.00} payment he was unable to give an answer. He added that we would get an overage check sometime in XXXX but was unable to tell me an amount or date. I have called and asked about the escrow account on several occasions and am always told that someone " will look into it and call back ''. I am never given a straight answer about the account or the money owed back to us. At closing we were also charged prepaid taxes in the amount of {$480.00}, for XXXX and XX/XX/XXXX, which they knew of our exemption at that time also. When I asked about this money, I was told they knew nothing about it. I am deeply concerned about their treatment of veterans and the financial practices at Veteran 's United and would like this looked into.

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 2020-05-06
Company: EQUIFAX, 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:
On XX/XX/XXXX and XX/XX/XXXX, XXXX XXXX made initiated hard inquires on my Equifax credit report. At the time, I was delayed in repaying a loan in the amount of approximately {$630.00}. XXXX XXXX sued me for the amount in question. However, I filed for Chapter XXXX Bankruptcy Protection on XX/XX/XXXX, with a discharge on XX/XX/XXXX. I had earlier filed a complaint with the CFPB ( in early XXXX, I believe ) regarding XXXX  's hard pulls on my credit. The company 's response was that the contract permitted such credit pulls in order to confirm my current location. XXXX XXXX was one of many creditors with whom I was late ( as well as being included in, and discharged through, Chapter XXXX ), yet they were the ONLY ONE to initiate hard pulls on my credit. I believe that this was punitive on their part and had nothing whatsoever to do with " confirming my current location. '' It may be technically legal for them to initiate the credit inquires, but it is most certainly not ethical.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-08
Company: Activehours
State: AZ
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't stop withdrawals from your bank account

Complaint:
I paid off my loan. Have not used the service in a very long time and someone has made attempts to log into my account fraudulently and gain access my bank account. The creditor is refusing to close my account after I have told them that there is someone attempting to log in. I keep getting emails from them saying someone is trying to log in. Its not me. I want the account closed. There should not be a reason they can't close it. I have no debt with them. They have no phone # to reach them at and the email or chat people say they can't do that. It needs to be escalated. I've asked for someone to call me and they said they do not have phones

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-08
Company: Phillips & Cohen Associates, Ltd.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX, at XXXX XXXX, a call from XXXX left a voice mail on my cell phone. I couldn't quite understand the name, but it sounded like " the law office of Philips & Collins '', calling about an outstanding debt. I didn't hear this message until XX/XX/XXXX, because ( a ) I don't use my phone very much, and ( b ) I rarely receive a legitimate voice mail on my cell phone. I've received several of these " unpaid debt '' messages in the past, but I merely ignored them, because the fact that I have no outstanding debt is a dead giveaway that these calls are scams trying to steal people 's money. The message left instructions to call XXXX, XXXX XXXX, and inquire about reference number XXXX. I assume these con artists have called my home phone also, but I have XXXX there to block this kind of garbage. Thank you for going after these predatory low-lifes. Tar & feathers would be a suitable punishment for them, but jail is an acceptable alternative.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
I checked my credit report with Transunion based on information received from XXXX card. It showed that I had a delinquent account with XXXX XXXX  in collection by an agency called XXXX # : XXXX XXXX XXXX XXXX , XXXX XXXX XXXX , AL XXXX ( XXXX ) XXXX in amount of {$2000.00}, placed in collection XX/XX/XXXX. 
I disputed with Transunion that I do not have XXXX XXXX, have never received a bill from the collection agency. Transunion responded that investigation was complete and I owe the amount. File number with Transunion is XXXX ; date reported in XX/XX/XXXX. 

I had XXXX XXXX for about 3 months about 10 to 12 years ago, and account terminated because of reception problems, with XXXX balance due. 
I do not have bills or receipts because I have no business with XXXX XXXX nor XXXX XXXX XXXX. 
I have not received a bill from XXXX XXXX since and never a letter or call from above collection agency.

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 2019-02-08
Company: M&T BANK CORPORATION
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Homeowner has been denied modifications and modification review has been delayed because M & T Bank continues to ask borrower for divorce paperwork ; however he was never married to the other owner. A quit claim deed was provided by homeowner multiple times and lender continues to ask for divorce paperwork that is not applicable or does not exist.

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 2020-05-07
Company: Shellpoint Partners, LLC
State: OK
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I received my Mortgage XXXX dated XX/XX/2020 which stated my payment due for XX/XX/2020 was {$1000.00}. This was not the same as my normal mortgage payment is {$1800.00}. Because this was different, I contacted Shell point Mortgage Servicing to verify the total payment due so I didn't make a mistake. After two phone calls, I was advised there was {$810.00} on my account that they couldn't identify but it was the difference between my normal payment of {$1800.00} and the amount due on the statement of {$1000.00}. I made that payment. The XXXX statement then showed a late fee of {$26.00} and that the {$1000.00} was on hold as it was listed as a partial payment and I was now late for the balance. I called on XX/XX/XXXX and was told they found the issue and was escalating the case. I then called again on XX/XX/2020 as it was still not cleared up. That agent told me she found everything and re-escalated that case and attached my mortgage statement. Today, XX/XX/2020, it was still not cleared up so I called again and was told that they made the error but they would not credit that amount until I paid the remaining amount and they would not be able to do anything about the late reporting. I followed their instructions and their printed statements. This is their error but I am going to take the serious credit hit on this. I am also currently XXXX overseas making it very difficult to deal with this issue.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: Paypal Holdings, Inc
State: MN
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 have asked Paypal repeatedly to send a check to my confirmed and verified address. They have refused to do so. 
XXXX XXXXMultiple emails, phone calls, and online messages with Paypals customer service alternated between saying I need to add a linked bank account in order to receive a check ( I did so, but was still not able to receive a check ) ; and saying that there was a " known issue '' with check requests that they would look into resolving as quickly as possible XXXX XXXX-I contacted the Minnesota state attorney general 's office for assistance. They sent a letter to paypal, and I received a response from " XXXX XXXX  in escalations '' stating that I needed to link a bank account to my paypal account in order to be issued a check. She ignored the fact that I had already completed this step, and was still not getting my funds via check. 
We responded to XXXX XXXX 's email with this information, and have heard nothing further from paypal since XX/XX/2021. My funds remain online with no way of accessing them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-05
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
My complaint is regarding closing my credit card account with XXXX XXXX. First off I would like to say I was never aware of opening this XXXX XXXX 'XXXX XXXX ' store credit card. I did make a purchase with the store back in XXXX XXXX I believe and did give some of my personal information to a store employee just to see what kind of financing I could qualify for. I however was not interested and decided not to use or open a card with them. Since then, it came to my surprise months later, try 6 months later I 've been receiving XXXX XXXX mail regarding the account they 're telling me I opened. In the meantime I never received a credit card in the mail to activate from XXXX XXXX and was never aware of opening an account and here they send me mail regarding my account ending in this specific number etc. 
I called XXXX XXXX and told them I never received a credit card and was not aware of this account being opened in my name. I also told the woman from XXXX XXXX that I would like to close the card. She did tell me the account was never used and there was XXXX balance on the account, and she told me she would close the account. I made this phone call 2 months ago and now I have again received a letter regarding my account in XX/XX/XXXX, which tells me they never bothered to close the account. 
Please help make sure this credit card account is closed. This has seemed very sketchy to me and I worry that someone will get access to this account and use a card in my name. I would like to close it before that happens and receive verification from XXXX XXXX this account is closed. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-17
Company: Colony Brands, Inc.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have a unverified account from XXXX XXXX / XXXX. I had previously disputed this account. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I request that XXXX XXXX / XXXX  Cease and Desist all further communications. XXXX XXXX / XXXX needs to delete this account from my credit report and stop all contact with me. Pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. Section 805., you are hereby notified to CEASE AND DESIST all further communication with me in regard to the referenced debt. Failure to abide by this law will result in a complaint being filed against XXXX XXXX / XXXX  with the Federal Trade Commission, the Attorney General of both their state and mine, and also their own company management. I also have the right to file suit against them for any future violations of this law. I will record any and all phone calls if they fail to comply with this CEASE AND DESIST.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-27
Company: HYUNDAI CAPITAL AMERICA
State: MA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
Please find the following two letters I wrote to Hyundai Motor Finance below : 1 ) Please contact credit bureaus to have Hyundai be removed from my credit. I spoke with XXXX in your office on XX/XX/XXXX. She told me to send documentation along with this note. Please find documentation included with this note needed to remove Hyundai from my credit report. Documentation included : are XXXX XXXX XXXX and Payment History. - Lease was extended beyond maturity date - I was awaiting confirmation from Hyundai that it would be OK - Once I received approval I made payment ( s ) within 30 days, which can not be reported to Bureaus or negatively impact someones credit 2 ) To whom it may concern, While applying for a home mortgage this year, I was informed that I had something on my credit report from Hyundai. I called Hyundai after finding this out, not knowing what it was in regards to. Hyundai told me over the phone that they did not know either and that they would contact the credit dispute department to request it be removed. I recently followed back up with Hyundai, because I never heard back. I explained to them that I had an auto lease that expired in XXXX. I returned the vehicle with no issues or any payments still to be made. I followed up with a phone call to Hyundai to confirm this and was told everything was fine. Come to find out recently, I was told that there was a late payment on my previous account and that was reported to the credit bureaus. I was never notified of this. Then, after returning the vehicle back in - I was told everything was all set, which was in fact not true. I am writing to request that you please contact the credit bureaus and have Hyundai remove this from my credit. I would appreciate a follow-up response to this request as soon as possible. ( Disputing Amount is {$370.00} )

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 2021-02-27
Company: Bread Financial Holdings, Inc.
State: VA
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 pulled a copy of my credit report and seen some account that are not mines and I need them removed and I have several accounts that are inaccurate information I have provided a Federal Trade Commission report in the documents for identity theft. These companies i have never done business with. They need to be removed please. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I submit this complaint against Bank of America for the following reasons : 1. The Bank suspended my bank services and froze my account without justification and caused me harm ; 2. When I called the Bank to complain, Bank of Americas customer service representative failed to take my complaint and to transfer my call to a manager ; and 3. When I called the Bank to complain, the Bank of Americas customer service representative lied by stating that the bank services would be  restored and the account would be unlocked on Monday, XX/XX/2019. My bank account was not re-opened and the services were not restored on XX/XX/2019. 
4. I have already filed a compliant with CFPB # XXXX-XXXX, and the Bank rejected on the basis that I was not the holder of the account, which is false. Please see attached documents.

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 2020-05-06
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
Incorrect spelling of name on the account. 
Tried to call an fix it but the automated system is not designed to actually resolve such issues and hangs up all the time.

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 2019-08-28
Company: EQUIFAX, 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: Account information incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX To Equifax, XXXX   and XXXX, DELETE XXXX XXXX   XXXX because of multiple inaccuracies. 1. In the account number sections of this listing their are 3 different account numbers reporting. XXXX is  reporting XXXX as the account number. XXXX   is reporting XXXX as the account number. However Equifax is reporting XXXX. These account numbers are inconsistent. 2. In the Last Payment section of this listing. XXXX and XXXX is reporting XX/XX/2018 for last payment made. However, Equifax is reporting XX/XX/2018 as the last payment date made. These dates are inconsistent. 3. In the Date Opened section of this listing. XXXX and Equifax is reporting XX/XX/2018 for date the account was opened. However XXXX is reporting XX/XX/2018. 4. This is a closed account that still is reporting current activity on it. How could this be. Dont you get your reporting from the same company? Please Delete

Company response to consumer: Closed with explanation