BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-05-15
Company: GOLDMAN SACHS BANK USA
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Regarding : Unable to open a savings account with XXXX by Goldman Sachs On XX/XX/XXXX I attempted to open a savings account with XXXX online on XXXX. After filling in my personal details the web application failed to pull my personal / credit information from the records and it was declined. 

On XX/XX/XXXX I called XXXX customer service, citing the application number. I was told to try reapplying online. I did what was suggested, trying to apply twice with a slight variation of my apartment number ( both are correct ). Both application were declined. I called customer service on the same day and was told to apply by phone after 24 hours. 

I called customer service again on XX/XX/XXXX and after citing the application number I was told I would be unable to open an account. The customer service rep refused to specify a reason. I escalated to the supervisor, who again refused to state a reason and declined to provide an escalation path.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-18
Company: Freedom Mortgage Company
State: NJ
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I did not choose Freedom Mortgage. Rather, my VA home loan was acquired by Freedom several years ago. I refinanced, staying with Freedom, in XX/XX/XXXX. The monthly payment amount quoted in the refinance was great, so I went forward with it - saving ~ $ XXXXmonth. The company has missed paying some of my taxes every single quarter for the last year. I get delinquent notices, call, submit documentation, repeat. They held my old mortgage, it should be the same with slight adjustments each year for tax increases. 

It's now a year later and it's clear that most of the calculations used to come up with that monthly payment from the refi were incorrect. Taxes on one of the lots on the mortgage were ignored entirely in the calculation, and I guess on the other lot two numbers were flipped - using {$1300.00} per quarter where it should have been {$1800.00}. I got a letter dated XX/XX/XXXX telling me I owe {$480.00} more per month. Then, only 11 days later - XX/XX/XXXX - I got another one tacking on {$130.00} more. So a surprise 46 % increase every month for the next year due to negligence or deception. Now my monthly bill is higher than before the refinance. 

I know this is a temporary increase for the next year, but it is substantial. Also, I have low confidence in their administration of escrow accounts and no recourse if they continue to make mistakes. How was this never caught and the escrow allowed to go negative? How did none of my calls, every quarter, about unpaid taxes trigger someone to reevaluate before it got so far behind? Also, consider that I made it clear to Freedom that I was shopping around for my refinance. With that in mind I have no way to know if the numbers were misrepresented intentionally to make their refinance more lucrative next to any competitors or if it was just negligence. Regardless, it seems like the consumer is at the mercy of the mortgage company and whatever numbers they decide to put on the statement each month, and in the case of this mortgage company those numbers have been consistently incorrect for an entire year. The only thing I can do is pay whatever they say I owe or pay thousands to switch lenders, likely ending up with a higher rate and no guarantee my mortgage won't just be sold back to this company again.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-18
Company: Paypal Holdings, Inc
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
received a letter in the mail from XXXX debt collection company saying I owe PayPal XXXX I don't have a paypal account i never created one a few months ago i had an identity theft case started my mother and sister stole my information and got stuff in my name i currently have a lawyer helping me with this but i would like to know what is this for.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-18
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information that should be on the report is missing

Complaint:
I do n't know who to go to ; I have been trying to verify my Identity on I.D me for Vets.gov. But unfortunately they do n't have my updated address ; and i 'm honestly not sure what address they have for me. They go through Experian ; who when I tried to enter my stuff it said i have the wrong address. I had 1 address until XX/XX/XXXX; then it was in missourri. XXXXXX/XX/XXXXmy addresses have all been in Louisiana ; 2 on  XXXX XXXX, 2 in XXXX, LA, and my current address is in XXXX, LA. But I am going to the post office to forward everything to that address tomorrow. So it might not be on there yet. Because we just got it this week. I would really appreciate your help ; it 's holding me back from checking my claims through the VA. Thank you.

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 2021-09-18
Company: Coinbase, Inc.
State: UNITED STATES MINOR OUTLYING ISLANDS
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 a account in Coinbase. 
Since 2 months ago the reason under account review I can not move my cryptocurrency. Tons of time I complained to coinbase but they saying nothing to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-02-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I want to access my account online. They stated WITHOUT QUALIFICATION that they will NOT allow me to do so without providing them my mobile number. I escalated the matter and was told the same thing. 

I offered to provide my email address, which they have, as an alternative. THEY REPLIED THAT ONLY A MOBILE NUMBER WILL SUFFICE. 

How do these companies get away with this? It is mind-boggling that they do this, much less BE ALLOWED to do so. 

I dont have to tell you that they had the biggest data breach in the history of time not to long ago, not to mention that our cell phones are becoming the most important device in our possession, aceess to which CapitalOne and EVERYONE ELSE wants to use in solicitations, and/or worse, to provide to someone else ( sell ) in an affinity or subsidiary arrangement. 

This is strong-arming at its worst.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11
Company: PENNYMAC LOAN SERVICES, LLC.
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In the summer of XXXX, I called PennyMac because I was interested in accelerating my mortgage loan and I was looking to refi my mortgage as the rates had dropped. Because it is a condo, PennyMac opted not to help me. Fine, then I decided to make extra payments greater than my monthly payment owed. Which was at the time was approx {$1300.00} per month. Now with the increase of taxes, that amount changed to {$1400.00} per month. So I started the bi-monthly payment and told the Pennymac rep that. In XX/XX/XXXX/XX/XX/XXXX, I became ill with a XXXX XXXX. The consequences of that illness was the 100 % loss of my hearing. By XX/XX/XXXX, my hearing loss was complete and irreversible. I was under the care of XXXX XXXX, the recommendation was to get cochlear implantation. I had XXXX the week of XXXX. I was home recuperating when I realized that my mortgage payment needed to go out. I made the payment late for XXXX. 
PennyMac began the process of foreclosure. I wrote to PennyMac on XX/XX/XXXX. No response from them at all. I wrote again on XX/XX/XXXX, no response from PennyMac. Nothing. I received certified mail that PennyMac intends to foreclose. Why? PennyMac has received the funds owed them. 
PennyMac has no trouble sending mail out for foreclosure but their reps can't read messages left on their website? Why is that? They can't work with their clientele? Why is that? I can't get a refi, I can't get a hold of them, I can't communicate with them over the phone anymore. I could mail a letter, but USPS has been atrocious. The quickest way is to send a message via online. Yet, no response. 
PennyMac Loans has discriminated against me. They have ignored me, they have bullied me, and harassed me with their foreclosure processes. This is totally unnecessary and nasty. 
I want PennyMac to send in corrections to all the credit report agencies, I want PennyMac to remove all foreclosure processes from my record, and I want PennyMac to issue an written apology to me for poor leadership. 
I am asking you to represent me to PennyMac Loans since I can no longer hear. It would be nice for someone to stand up to rude large organizations. Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-20
Company: Navient Solutions, LLC.
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint:
No matter how many payments or how high my payments were, my balance remained the same. If I lost a job and asked for help, lower payments, etc it was a circus. I get bills sent, sometimes I do n't. They do not send my tax documents as requested or required and make speaking to anyone for any reason impossible. They have also taken payments without my permission. When I requested forbearance they made it a nightmare and kick me off without my knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11
Company: NCB Management Services Inc.
State: MO
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:
On XX/XX/2022 the defendant wrongfully began reporting false and harmful information to the credit bureaus regarding such an account which has never been mine, would have been mine, and whatsoever. I have filed disputes with credit agencies and this has led me to here, a violation of FCRA regulations which protect against harm and financial hardships against consumers. 

Defendant has been sent a refusal to pay letter, per FCRA guidelines and was received in their offices on XX/XX/2022 at XXXX XXXX. The actions resulting from the letter being delivered have been ignored and the consumer is illegally being impacted by the misinformation this business is illegally reporting to the credit agencies. 

It has been 5 business days since delivery and accounts are still reporting illegally and incorrectly on the plaintiffs ' credit reports. The complaint is a demand per guidelines on FRCA this account be removed, any and all attachments to said, individual. I am a victim of identity theft and it is federal due to crimes attached to my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01
Company: WELLS FARGO & COMPANY
State: CT
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
2 weeks ago Sunday, my wife XXXX XXXX XXXX Help Desk and got a number from the internet. The person picked up and answered " XXXX Help Desk ''. He spoke to her about her problem, then asked for her XXXX Login ID to verify something. The conversation quickly morphed into a conversation that someone in Georgia was trying to hack her account and he needed to verify her account information. She complied, worried that someone would hack her XXXX account. The " Help Desk '' rep then led her through a wild series of exercises eventually convincing her to add a XXXX recipient to her online banking and send him a " test payment '' of {$440.00}. Reg Flag right? My wife had never used XXXX and was told it was a test payment and she'd get it back right away. There was no message that popped up telling her that {$440.00} was going out the door, did she know this recipient, and that she could never get it back. 

The moment the new recipient was established at Wells Fargo, I got a pop up warning on my phone. I went downstairs and questioned my wife and she told me what was going on. By that time the money was out the door. 

I immediately called Wells Fargo, but had to spend 1 hour waiting on the phone. We explained the situation and the Wells Fargo rep said they'd open a case. Two weeks later Wells Fargo sent us a paper mail making no reference to Fraud and saying that since XXXX " authorized '' the payment, there was nothing they could do. XXXX never " authorized '' a payment. She was tricked into sending money though social engineering. 

We'd like our money back and are seeking your help. XXXX knows exactly where the money went and to which account. Wells Fargo needs to help and they are offering none. If a refund is not possible, I am asking you to introduce legislation to require that banks are required to have a huge pop up window before sending money from XXXX informing customers that 1 ) Are they aware that they are sending money out the door? 2 ) Are they aware that XXXX payments are non-refundable and gone forever? I blame Wells Fargo for allowing this to happen without sufficient warning. We notified them immediately of the situation, and they sent us a form letter back telling us sorry for our loss. This is just wrong. We'd like out money back Thanks, XXXX XXXX XXXX XXXX  XXXX XXXX, CT 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 2020-05-01
Company: M&T BANK CORPORATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I discovered a fraudulent transaction on my bank account. It was completed electronically through my bank without my knowledge. The company is XXXX XXXX XXXX XXXX. When I called their toll free number ( XXXX ), a  service answers that does not identify the company but placed me on an extended hold. 
I researched the toll free number and found this site https : XXXXXXXX XXXX At the time I looked, there were 21 reports of fraud by this company in the span of 13 days with at least three different banking institutions. It appears that they may have hacked or otherwise found a way to access accounts from M & T, XXXX, and XXXX XXXX XXXX  at a minimum. The individuals who said they were able to speak to a person from the toll free number stated that that person could not identify the companies that charged the funds but that it was for random internet sites. All of the complaints had similar small amounts of funds taken without their knowledge. 
NOTE : Step 4 of this process required that I name the company the complaint is about. This is not possible since the company is a FRAUD and is not listed in your system. Unfortunately, I had to enter the name of my bank.

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 2019-10-04
Company: Americor Funding, LLC
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
Hi i hired a Debt Consolidation Company - " Americor '' i give them 7 accounts to work on and settle. Ever time they settled an account i told them to try and settle the big account first but they assured me that everything was good with all the accounts. Now in XX/XX/XXXX i was available to receive a loan from Americor so i can pay for the rest of the accounts and then i would just pay them " Americor. '' So two weeks before the loan becoming available i received an email from Americor the email said " Your document has been received '' i emailed back what document. Than they emailed me a Summons from one of the accounts, that was suing me the big account the one i kept telling them to settle first. So i emailed them back asking what should i do and they told me to "  request a change of venue '' I live in XXXX Ny and they served someone in the company in California now the person they served in california works in Americor and said that she was me. Americor gave me a phone number to a court in XXXX and said that they are not Attorneys and that they cant help. So now its been 3 months and Americorps is still not helping me a im requesting all me money back from Americor because now i have to hire an Attorney in NY that handle cases in California. And i  believed they were waiting for the summons so i can go with the loan wish i didn't want. I canceled with them on XX/XX/2019. They also told me that they have no idea who got served at there office but that the summons is mine and they cant help. Wish is Fraud.  The credit card company is suing for XXXX. They served someone in the office of Americor on XX/XX/2019 and that person said it was me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01
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: Information belongs to someone else

Complaint:
SOMEONE USE MY NAME TO GET MEDICAL ATTENTION ALSO OPEN UP FRAUDULENT ACCOUNTS IN MY NAME I am writing to request and initiate a formal complaint against XXXX, XXXX  and Experian CRA. On XX/XX/2020, I mailed XXXX, XXXX  and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2020-05-01
Company: EQUIFAX, 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:
SOMEONE USE MY NAME TO GET MEDICAL ATTENTION ALSO OPEN UP FRAUDULENT ACCOUNTS IN MY NAME I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRA. On XX/XX/2020, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-04
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I sent a cease and desist letter to Midland Funding because they continuously call and I have asked them to verify the debt. They have failed to verify. They claim I have two accounts. I asked that they cease the calling on both accounts. I have a copy that the letter was signed for by XXXX XXXX on XX/XX/2019 at XXXX XXXX. However, the calls continue daily. This is a violation the FDCPA. Since the letter was received, I have gotten calls on : XX/XX/XXXX at XXXX XXXX  from XXXX XX/XX/XXXX at XXXX XXXX from XXXX XX/XX/XXXX at XXXX XXXX from XXXX They call daily!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-15
Company: HONOR FINANCE, LLC
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Honor had to to pay {$100.00} put a month I missed on the back end of my loan. Since they went into my bank acct and withdrawn additional funds my bank returned the payment. I also made arrangements and said it will be best to pay my loan each month by XX/XX/XXXX!!! This company sends my text messages from personal cell numbers and I have asked them to stop doing that! They will text me saying you are behind in your loan when Im not! Please help ... A man called me saying that he was the Vice President if the company.

Company response to consumer: Closed with explanation