BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-20
Company: WELLS FARGO & COMPANY
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
The UNNAPPROVED weekly charges added by XXXX SHORTLY AFTER I XXXX 2020 ; AND MORE ADDED IN XX/XX/2020 caused a banking balance system trip. THIS IS A COMMON OCCURENCE, THE WEEKLY RECURRING SUBSCRIPTION CHARGE IS A 'BURNER ' TO BANKING ACCOUNTS. THE SOFTWARE I SIGNED UP FOR WAS ONLY FOR A WEEK TRIAL. I HAD AUTORENEW, BLOCKED ON MY ACCOUNT, AS SEEN IN SIMILAR SUBSCRIPTION TRIALS AT XXXX. PEOPLE ALSO ran hotel fees and caused BALANCE reporting delays. Ultimately, the recurring weekly fees stopped the system as they misreported the account. THEY THEN CLOSED MY ACCOUNT WITHOUT ALLOWING DISPUTE CORRECTIONS. THESE ACTS CAN BE TRACED TO THE INDIVIDUALS INVOLVED. 
THERE ARE incorrect/3rd party notifications and, incorrect balance ; leading to charge decline s at POS. I am always aware of my actual balance. There is a wire transfer from XXXX XXXX XXXX for {$10000.00} confirmation XXXX XXXX XXXX ACCT XXXX I have not received this transfer. There are many XXXX refunds. Total ing {$4000.00}. I have confirmation of these refunds ; but ; they were not reported. I have XXXX in my account in XXXX. I know incorrect reporting has caused my entire balance to be inaccurate. Also a refund from XXXX XXXX for {$3200.00} was not reported. I have email confirmation of all refunds and the wire transfer. They were never reflected on my Wells Fargo account. Please insure my deposits. My account number : routing : XXXX account : XXXX Thank You, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I HAVE A PDF DOWNLOADED FILE OF THE ENTIRE BANK STATEMENT. IT SHOWS RECURRING CHARGES ON ALMOST EVERY LINE. I DID NOT AUTHORIZE THESE.

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 2020-05-19
Company: Experian Information Solutions Inc.
State: IN
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 a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2017-09-18
Company: The CBE Group, Inc.
State: MS
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This debt is not mine, I never lived in the state or the address that the account was opened. The debt is for {$400.00} and I have contacted the CBE GROUP and has not received a response to my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22
Company: EQUIFAX, INC.
State: KY
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 was informed by my lender that I was not approved for a home equity loan due to some derogatory itmes listed on my credit report. I looked more into it and my identity has been compromised. These items are not mine. Pleae remove the items as soon as possible. XXXX XXXX {$130000.00} XXXX XXXX XXXX XXXX XXXX {$12000.00} XXXX XXXX XXXX XXXX 11XXXX {$530.00} XXXX   XXXX {$2300.00} XXXX  XXXX {$7700.00} XXXX XXXX XXXX {$10000.00} XXXX XXXXXXXX {$4200.00} XXXX   XXXX {$250.00} XXXX XXXX {$550.00} XXXX XXXX XXXX {$2600.00} XXXX XXXXXXXX {$4000.00} XXXX XXXX {$1300.00} XXXX XXXX {$1300.00} XXXX XXXX {$170.00} XXXX   XXXX {$1000.00} XXXX XXXX {$2000.00} XXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX XXXX {$950.00} XXXX XXXX  XXXX {$800.00} XXXX  XXXX {$4200.00} XXXX XXXX {$4000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-09
Company: AES/PHEAA
State: MA
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:
FedLoan, a company that " manages '' student loan repayment, has consistently made errors in processing my account and paperwork. I consolidated my loans two years ago and set up IBR and direct debit. I have a considerable amount in student loans ( over {$80000.00} ) and wanted to take advantage of the great new loan repayment options. Every year, I have to submit an updated application and my taxes to calculate the IBR. I did so in XX/XX/XXXX. In XX/XX/XXXX, I received messages that I did not submit my paperwork and my payments would go from {$150.00} to over {$900.00}. I contacted the company immediately and was told that I did n't submit anything. I asked them to look again and they found it. It had been there all along. It was complete and ready to be processed. I sent in the paperwork early because I my job was going to be changing in the summer and I did n't want to have anything else to worry about. My options for correcting their mistakes ( which apparently was on me and not them ) were to go into collections or put my loans into deferment ( with accruing interest ) until they could resolve the issue. I asked the customer service rep if it sounds like I am being penalized for their mistake and her response was " yes. '' I also submitted a public service loan forgiveness ( PSLF ) form in XX/XX/XXXX. It came up on my account, but when I called and asked why payments were n't going toward that program, I was told that they did n't have my paperwork. I asked if I had to resubmit it every year and the customer service rep said no, but I should send another one anyway. I sent it in and it was rejected for not having complete information. As far as I can tell, everything was complete and correct. Now I have to resubmit the form for the THIRD time in TWO years. If I were this incompetent in my workplace, I 'd never get a job again.
Fast forward to XX/XX/XXXX. My first recalculated IBR payment is taken from my bank account. I knew it was coming and was prepared. Then I started getting emails that I had n't made any payments and my accounts were delinquent. I called the company and after a very frustrating phone call, I learned that when my loans were put back into repayment through direct debit, they forgot to include one. I went in and fixed it, but once again, mistakes on their part become my responsibility to fix.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17
Company: TD BANK US HOLDING COMPANY
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint:
I sold my vehicle to XXXX XXXX under the impression that they were going to take care of the rest of the balance due on my car. That didnt happen. I have spoken to TD Auto Finance about it and they told me that I am responsible for making the payments. But I sold the vehicle to XXXX XXXX lied to me and now I am paying for a car I dont even have on top of my new car that I am paying for.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19
Company: Flat Six Holdings Inc.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
I am being charged a fee on a line of credit I was not made aware of. Additionally, I am concerned that other fees will be fabricated and applied to my account. 

The line of credit is through Green Bear of California ( dba Crestline Finance ).

The line of credit was processed by a payday lender XXXX XXXX ( store address XXXX XXXX XXXX XXXX CA XXXX ) I went to the lender for a payday loan and was offered a line of credit. I had to pay a fee between {$35.00} and {$40.00} to print the check which was for {$300.00}. 
Additionally I was charged {$33.00} interest. 

I was told when payment was due and how much. 
I received no paperwork and was not told at any point about a set up/maintenance fee. 
I was not told that I had to call to close account. 
Aside from the line of Credit tag, the transaction was presented as a payday loan. 

I paid the the principle and interest on the due date. 
The associate I spoke with never mentioned that any other payment was due. 

I am afraid I will not be able to close this account and that I will be hit with more made up charges. 

This business, and the network of payday lenders they use, are manipulating women and men taking out payday loans and exploiting the fact that the individuals taking out the loans think they are the same as a payday loan. 

My borrowing {$300.00}, when desperate, cost me {$370.00} plus the surprise maintenance fee and however much it will cost to close the account. 

Additionally, the associates at the payday lender I went to, XXXX XXXX, are very clever in how they present the info to you. 

The document you sign is on a small screen device and looked like any other payday loan document. 

You are told that info will be emailed to you. 
The email you receive is a link to a website that requires an ID number that you are not given ... unless you know to ask the associate at the counter. 

You the borrower wont find out about the fees, and that this is an ongoing account, until you get a call, like I did, a week after paying off your loan. The associate calling you will politely remind you about your upcoming payment. You will likely wonder what the associate is talking about. 

A half hours later you will be mad and looking up Crestline Financial online and you will find a lot of people who were suckered too. 

Then you go to the CFPB. 

I will likely pay these conmen, but hope no one else gets mislead like I was.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20
Company: Remitly, Inc.
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
on XX/XX/13, I realized the amount that I have sent wasn't right so I called them to cancel the transaction at Remitly. At that time, money was still on hold but they said it wouldn't be reversible. They let money go after that. The recipients were scammers. They were using what ever name that would be easier for them to identify it seemed like. They used " XXXX XXXX '' as a recipient for my case. I was thinking talking to XXXX customer service people. originally talking about XXXX XXXX  fees. I got a text message saying they were going to charge annual fees instead of monthly so I just needed to change to monthly .... I will talk about this if you are interested in next time. Anyway I had 2 transaction ; {$1200.00} and {$1500.00}. I tried to reverse it after I thought something wasn't right but they wouldn't cancel it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I recently received a hardship distribution from my 401 ( k ) account.I then deposited the check into my Wells Fargo account.The very next day I got an alert from Wells Fargo, claiming that they were unable to receive funds from the check and that the funds will be available in my account in two weeks. I called Wells Fargo several times to try and resolve this issue. I called their loss prevention department to have them call the maker of the check to verify and to call the bank to verify the funds were in there. 
I explain to them that this was a hardship distribution so that the funds were needed urgently I was then informed that I would need something notarized from XXXX XXXX and something notarized from XXXX XXXX, XXXX and order for me to get my funds these funds came directly out of my retirement account. I have never experienced anything like this in my life in regards to depositing a check. This is extremely unethical. And they should be investigated because basically theyre using my funds without giving me access to them. 
And giving me the runaround

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 2020-10-30
Company: EQUIFAX, INC.
State: MO
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:
Since XX/XX/2020 I have not been able to see a full credit history inside the " My Equifax Account. When I log in there is no history at all. no installment, no revolving, nothing and shows to this day my credit score from XX/XX/2020. It has not updated the score and tells me I have no accounts. 

So finally after 4 months of getting the runaround by the people who just answer the phone. They tell me the system is updating, please try later. I have made too many calls to them and i end up after 2 hrs still no one can tell me where all my credit history went. I contacted them in XXXX and got the same runaround. Tell them whats going on and they ask for identifying info then say, we have escalated this to another department and someone will be in touch within 48 hrs. Well 3 weeks is not 48 or even close to 48 hrs.Still no word of where my credit history went and when this will get fixed. I have reported this for 5 months. I have had Identity theft issues and i was wanting an extended fraud alert but with no history showing and can't even get anyone to actually help me I cant get this done. So this is where I'm at 5 months almost 6 months later. NOWHERE! Please Help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11
Company: PENNYMAC LOAN SERVICES, LLC.
State: AR
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
We are in the process of procuring a VA refi loan for our primary residence. We originally chose PennyMac to handle the loan. In the process, and after spending a fair amount of money, PennyMac said we needed Flood Insurance. We challenged this and to no avail. We checked out other lenders and all have found out the our residence is considered X500, meaning no flood insurance is required. We approached PennyMac about this with documentation and they still refused to remove this stipulation. At this point we chose another financial institution, XXXXXXXX XXXX XXXX XXXXXXXX in XXXX XXXX AR. They have been great to work with especially XXXX XXXX, VP for lending. The one document he needs to move forward is the appraisal, which I paid for. PennyMac has to release this appraisal to the VA for reassignment to XXXXXXXX XXXX. They are severly dragging their feet on this issue to the point that we might not meet the time period for our interest rate. I have contacted PennyMac by phone, email and text directly to : XXXX XXXX XXXX Loan Officer NMLS # XXXX Phone : ( XXXX ) XXXX Ext. XXXX Fax : ( XXXX ) XXXX XXXX We are given a multitude of excuses as to why it hasn't been done. XXXXXXXX XXXX has also contacte

d PennyMac, but to no avail. We paid for this appraisal and feel that it is within our rights to chose the lender we chose and to have full cooperation from PennyMac to help us move forward with this new l
ender. 

Thank you for your attention to this matter, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, AR XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02
Company: SYNCHRONY FINANCIAL
State: CA
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:
This inquiry was not authorized. Please remove this and any others that are outdated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-01
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Im not sure what to say about this one. I have no idea what this is. I thought I knew wat place this was but I dont.

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 2020-05-29
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have reached out to these companies numerous times, and they act like theyre going to assist with fixing whats wrong. However, the problem still is here. I says Ive filed bankruptcy multiple times and I have never done that. I have done everything that was asked of me and I was told my credit file was merge to someone else and that problem was fixed but it still has incorrect information on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I need to submit a copy of my drivers license and social security card to verify identity. Equifax instructs to submit these documents to their website myequifax.com. I have created an account on myequifax.com but am blocked and referred to their XXXX call center. Also, they provide a phone number to call ( as late as XXXX, ) XXXX which doesnt work- rings once and hangs up.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19
Company: Square Inc
State: IN
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Yesterday, XX/XX/XXXX, my son told me a friend of his sent him funds through Cash App. It is an app he is familiar with and uses all the time. He could not get the funds off the app this time and asked me to help. I couldn't figure it out so he looked up the number for Cash App and called it XXXX and spoke to XXXX XXXX. First, he was quite rude and it was hard to hear. But had us download another app that would help remove the funds to our bank account. I felt as though I was setting up something so I went along with it until I noticed the app was recording my screen so he saw my log in and password to my bank app. Now, my son still does not have his {$200.00} and another {$210.00} is coming out of my account from Cash app to a person I don't even know. I did not authorize this and there is no way to stop the transaction. I never use Cash app and my son does not have access to my account. He also does not know the person who the {$210.00} is going to. I tried calling the same number today, several times, now it says it is disconnected. There is no one to talk to at Cash app. I am filing a fraud claim with my bank, but this Cash App is definitely not a legit company.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-09
Company: Ocwen Financial Corporation
State: AZ
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
Promissory Note has city and state as XXXX XXXX XXXX, CA ; property is in XXXX AZ Ocwen came up with a Shared Appreciation Modification that was in favor of Ocwen Forced to sign with a foreclosure hanging over my head Ocwen took 2 payments on that Mod ; I cancelled because of the verbage Ocwen wo n't refund payments and wo n't cancel that modification plan Now Ocwen adds {$220000.00} to the balance of the loan per this cancelled mod Ocwen has done a projection of {$300000.00} higher than the true value of my home Ocwen shows that I applied with them for a short sale when in fact I never have Because of the way this cancelled mod has affected the balance Ocwen denies me modification plan constantly Ocwen 's communication and calculations are entirely wrong

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 2023-05-11
Company: Block, 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:
Cash app stated I have pending transactions and on my end theres nothing pending XXXX trying to close the account and they wont allow it They have also given me a history sheet for the merchant XXXX  which resulted in multiple transactions of the same amount as voids and charges As I checked my financial statement none of these transactions existed on the statement But when I inquired as to why my money was gone they sent a history sheet for XXXX  transactions. This is fraud to my knowledge I was charged twice and they are claiming that I wasnt when I clearly was. 

Im trying to close the account but they wont allow it

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I was undergoing financial forbearance do to the lack of work after contracting XXXX in XXXX and was cleared by the doctors XXXX. I was working part time and making automatic payments with my creditors and they are saying I missed two months XXXX and XXXX. I have made on time automated payments for two years and 4 months but now due to the crisis the system must have been glitched because I have been able to pay off my over one forth of my balance. I do not recall ever unregistering my autopay.

Company response to consumer: Closed with non-monetary relief