BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-09
Company: WELLS FARGO & COMPANY
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
XX/XX/2022 : I received a notification from Wells Fargo that there was suspicious activity that needed to be verified by XXXX XXXX XXXX. ( A company I have never purchased from or heard about ) They told me to Reply Y if recognized XX/XX/2022 : I went to purchase a snack at XXXX XXXX  XXXX  and noticed that my card got declined. I just received my paycheck a couple days prior and knew that I had money in my bank account. I have a joint account under my mother, but she does not know my pin and I have never given my pin to anyone else. I looked at my bank account to see it was essentially cleared out with maybe a couple dollars in my savings and a negative balance in my checking account. My bank account had several unauthorized charges by mainly this XXXX person/company. {$1700.00} was moved from my savings into my checking account and the XXXX purchases were extracted from my checking in smaller amounts of {$50.00}, {$100.00}, and {$200.00}. I had class and had to go to work immediately after so I was not able to call my bank ( Wells Fargo ) until the day afterwards. 

XX/XX/2022 : I called and they essentially told me that I would have to make several claims because of the different kinds of bank transfers and that my money would be reimbursed. They closed my checking account reopened another checking account and a couple days later I received an email apologizing for the fraudulent activity happening on the account that I had just opened instead of the one that was closed. They told me to wait 7 days for my new card. 

XX/XX/2022 : I called Wells Fargo to get an update on my claims because I had not been reimbursed yet for the XXXX. One was resolved but I was still charged with overdraft fees and was told that my other claim has been closed and resolved, the claim regarding all of the XXXX charges. Ultimately, they said my claim was denied and that I will not receiving any of that money back. I have chatted with Wells Fargo agents online and they tell me to contact the Claims department, but the Claims department said there was not enough evidence for my case even though they contacted me about the suspicious activity.

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 2018-01-02
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
Wells Fargo is refusing to apply the federal disaster declaration to my home mortgage. They are also refusing to send me a complete break down of my Mortgage, I made a payment of {$1500.00} that they received and cashed on XX-XX-2017 to bring my HARP loan current. They are refusing to actually post the payment and are holding it in un-applied funds. I paid there late fee and they still refuse to post this so they can XXXX more interest and fees out of hard working american. as they have never answered any of my complaint to CFPB complaints made in XX/XX/XXXX, XX/XX/XXXX, XXXX 2017 as well as the one made two weeks ago. Other than to ask the CFPB for more time to respond. they are trying to blame investor which is total XXXX as I owe a small piece for these financial mortgage instrument and I have not been asked if I want to comply with the Hurricane IRMA Federal Disaster declaration.Had i been asked I would have said yes. These people are low life worthless pond XXXX and deserve to been fined the maximum the law allows. They refuse to call me on an unrecorded line even though i have rep [ eatedly advised them to call me from an unrecorded line. Any recording they might have of my voice were made without consent as Florida requires written consent

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 2022-02-09
Company: Flagstar Bank, N.A.
State: OR
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Flagstar is my mortgage lender and they have not properly informed me of the covid loan modifications available to me ( I have and FHA loan ). Since my forbearance ended in XXXX I've been asking to be reviewed for the two covid loan modifications that result in my principal and interest being reduced by 25 %. I call every couple of weeks and have been getting mixed messages about which options are available and everyone I talk to either tells me there's no such thing as covid loan mods, or I don't qualify, or that I'm in review and need to wait, or that they offered it to me already and I declined ( definitely not true ), or that I've been out of review for months and I'm about to go into the foreclosure process and need to fill out a loss mitigation application. After months of the runaround I received with no previous notice an offer by XXXX, ready to be signed and notarized, for a partial claim and regular loan modification. The payment is actually higher than my previous payment and it's not a covid modification. 
I have a HUD counselor at XXXX XXXX who also is wondering why I have not been offered or informed of these programs ( I had to do the research myself online with the HUD press releases etc ). I see now that this is a bigger issue than just me and a group of 20+ AGs have gone to the FHA because lenders have not been following the HUD prescribed waterfall in what they offer to FHA borrowers coming out of covid forbearance.

Additionally, the Flagstar website mistakenly allowed people to re-apply for forbearance for an additional period after forbearance actually ended ( through XX/XX/21 ). I did this application in XXXX or XXXX and was told that I was good through XX/XX/21, but this made me nervous and I called and they said this was a glitch on the website and my forbearance actually would end in XXXX. So I'm lucky I followed up but I imagine this really caused some problems for other borrowers.

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 2019-05-09
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
*Portfolio Recovery Violated/failed to respond Texas finance 392.202. 
*Requested Debt Validation per Texas Finance code 392.202 on  XX/XX/XXXX and IT WASN'T A DISPUTE, Portfolio Recovery Associates , LLC handled my request as FDCPA DISPUTE. 

# # Complaints, As of today XX/XX/XXXX 1. Portfolio Recovery didn't provide the correct validation per Texas Finance code 392.302 2.  Didn't remove trade lines from my 3 credit bureau 's reports.

3. Remark trade lines as disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-14
Company: EQUIFAX, INC.
State: CA
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 obtained an online copy of my credit report and the name on the report is not my name. I spoke with Equifax this afternoon and informed them that the information is wrong. They told me that information has been reported on my report under that name. I asked them to provide the name of the company reporting this information and they told me they did not have that information. They asked me to mail a copy of my social security card and my id. They told me they would not remove the information that was reported and would correct name once they receive my identification.     I have sent Equifax copies of my social card and my  State issu ed identification card several times in the recent past to obtain my credit reports. Yet, this agency has used my social security number, they have created a new credit file using a name that does not belong to me, and they have allowed companies to report false information linked to my credit report using my social security number.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-09
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Account information incorrect

Complaint:
Capital one credit card are reporting my balance as XXXX and a month payment of XXXX dollars. 

The information is not correct according to my monthly statement. My balance is XXXX and there is no monthly payment due and the payment is zero. 

The balance of XXXX dollars is not due and no statement reflection such reporting. 

I have always paid my bill ahead of time. Capital one credit card is reporting inaccurate information on my credit report after being paid in full with a overpayment of XXXX. 

Due to the overpayment there was a credit on my account of XXXX I don't own a XXXX dollars payment according to my statement and the balance being reported is inaccurate information. 

I have always paid my bill in full according to my payment history with this company. 

There is no balance and no payment is due and the payment is XXXX dollars. Due to being paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
i need your help in a serious matter involving my credit report. After reviewing my credit, I have realized that you are reporting damaging information to my name. 
Please review the following Account Name : XXXX XXXX Account # : XXXX You are reporting this account as late, delete for inaccurate reporting attached is a letter from XXXX XXXX proving the late payment is inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-14
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: Account information incorrect

Complaint:
X/XX/2017 XXXX XXXX Once again a major mess with Experian and one takes days to get through to them then transferred around the horn. Tried to get temp access to code so bank can pull credit. Could not get through again WAIT AGAIN! WAITING. AGAIN!!!! 1- XXXX UPDATED EXPERIAN XXXX XXXX INCORRECT REPORTING ME LATE- BACK TO GROUND ZERO. EXPERIAN WAS TO UPDATE ALL OTHER AGENCIES- I GUESS THEY FAILED AGAIN. 2- WANTED A TEMP NUMBER SO A BANK COULD PULL CREDIT. 3- NEGATIVE CREDIT POSTED IMMEDIATELY- AMAZING- GETTING NEGATIVES CORRECTED 60-90 DAYS -- 4- BEING DENIED CREDIT SINCE XXXX XXXX READY TO SUE ALL!

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 2017-07-14
Company: AMERICAN EXPRESS COMPANY
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
bought a laptop at  XXXX  for {$430.00} on   XX/XX/XXXX    .   returned it on XX/XX/XXXX   .   a week later funds have not been returned to my account.   was told can take  two  weeks to get my account credited.   who is holding my money?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-14
Company: Pinnacle Asset Management, LLC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
After being discharged from bankruptcy on  XX/XX/XXXX  . This particular law firm that harassed me all through the process was able to go back to the courts and claim that they have tried to reach me through mail and had sent the marshals to serve me all in the months of  XX/XX/XXXX   thru   XX/XX/XXXX  . None of which is true. I have lived in the same complex since   XX/XX/XXXX  . They claim is I owe {$1400.00} for a apartment where I once lived. This was in my bankruptcy. They have contacted me back then through different agencies. So since they made claim that they tried to contact me, they were able to have a Judge place a judgment lien on me. I only learned of these actions through a credit monitoring account I have. By the time I found this out it was too late. How ever I did reach out to the firm that represented me before and was told that he would try an get to the bottom of this and get it straightened out. But I have had no response from him. My rights have been so violated. I went thru all the steps required in my bankruptcy, and still this firm who has no regard for my rights have gone after me under cover and won..!!! What do I do..??

Company response to consumer: Untimely response
Consumer complaint received 2017-07-14
Company: SECURITY FINANCE CORP
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was contacted several months ago about a payday loan my son had apparently made with a finance company in the town near where I own a house. When asked, they said my son put me as a reference. I told the girl at the finance company that I would contact my son because I knew nothing about him getting a loan, but if I confirmed made a loan with them, I would tell him to call her immediately. When I ended the call with the finance company representative, they were told, clearly, that I was not to be contacted about this matter again unless I was going to represent him legally ( I am a lawyer ). I then was shocked and surprised to learn from my son a half hour later that he did get a {$250.00} signature loan, and lost his job the week before I got the call. He had made some payments, but not once he was laid off a job. I knew the week before the call that he had become unemployed, but knew nothing of the loan, the girlfriend 's loan, or anything about money issues. I have received approximately 20 phone calls in the past 4 months since the first call. They are usually on a Thursday, but sometimes on Tuesdays and Thursdays in the same week, each asking me to have my son call them. This week ( XXXX XXXX, 2017 ), I had a call on Monday and today ( Friday ). I am being harassed over a loan I did n't make. I did n't know about and a loan and I would have told my son never to go to one of those rip-off places. AND I am not responsible in any way to pay back to loan or communicate with my son about the loan. I am not his lawyer, partly because I live 300 miles away. The collection agents are not demanding money from me, but they are doing everything to harass me to see if I will pay the loan for my son. The majority of the calls go to my voice mail, but I have talked with them on three occasions ( the original call, and two more ) and I have said the same thing - DO N'T CALL ME!!!!

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 2018-01-02
Company: Coinbase, Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
Account : XXXXXXXXXXXX Sent some Litecoin ( symbol LTC ) to XXXX. 

It was received by Coinbase. I got an email : " Valued XXXX client, Your Litecoin deposit of XXXX LTC (  worth {$13000.00} USD ) completed successfully but was not moved from your Coinbase account to XXXX. 

Please view your account to double check your deposit and manually move your funds to XXXX. 

- The XXXX Team " Went to Coinbase acct - no Litecoin. Says it was transferred to XXXX. 

Go to XXXX account - the LTC is not there. When you go to Account / LTC Account / Transfers - it shows up as " Pending ''. 

And that 's it. For 6 days already. 

Tickets submitted. Case # s : XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09
Company: ROBINHOOD MARKETS INC.
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
On XX/XX/2022 I attempted to transfer funds from my XXXX account to my XXXX XXXX. This is a transaction that I have done multiple times in the past, however, this time it triggered a fraud warning. After trying once more my account was completely locked. I have been unable to withdraw funds, transfer funds, buy stocks, or close my account. I have racked up over {$300.00} in overdraft fees for non-payment of bills that and have also been unable to pay my rent which now leaves me exposed to eviction. All the while I have not heard back from XXXX and have been told that there is no definitive timeframe for resolution. They also continue to ask me for the same information and I provide it every single time which are the PDF bank statements for my accounts ending in XXXX and XXXX. I am being taken advantage of for trying to use my own money and need a resolution to this as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10
Company: CITIBANK, N.A.
State: DC
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
CITIBANK , N.A . has failed to resolve in my favor a dispute for {$770.00} that was charged to my Citi Advantage Master Card. I had submitted to CITIBANK , N.A . evidence that confirms that I never received the product for which I was charged {$770.00}. Nevertheless, CITIBANK , N.A . collected its fees and benefit from this transaction, for which I received nothing. The Dispute Case No.is 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 monetary relief
Consumer complaint received 2017-07-14
Company: BB&T CORPORATION
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
There was a late payment made on the account, which was not negated, however, I sent a letter to the company after I corrected the payment default and asked for a goodwill adjustment. The late payment was totally my husband and my fault, as we thought the other had made the payment. I explained the circumstances to the company and never received a response.
Since then, we have refinanced the car with another company and the account with XXXX XXXX has been closed and paid. XXXX XXXX continues to make monthly adjustments to the account. The late payment happened in XX/XX/XXXX. On my husband 's credit reports, he 's seeing different months of default. XXXX is reporting XX/XX/XXXX. XXXX is reporting XX/XX/XXXX. XXXX  is reporting XX/XX/XXXX. On my report, XXXX is reporting XX/XX/XXXX, XXXX is reporting XX/XX/XXXX, XXXX is reporting XX/XX/XXXX.
The negative payment is already reporting negatively, but to see an update to the date getting changed every month is hurting even worse.
Throughout the entire course of the loan, we have only ever been late 1 time and fixed it as soon as we saw that we were late. We can understand not being forgiven for the 1 late payment, but to continuously update our credit reports with incorrect information is inexcusable. I would hate to have to file a complaint with the Better Business Bureau over the information. We are in the process of purchasing a home and this information is reflecting poorly on our loan process.

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 2022-02-09
Company: WELLS FARGO & COMPANY
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
A claim was filed in the amount of {$290.00}, a debit card purchase from XXXX which posted to my Wells Fargo account on XX/XX/2021. The item ordered, a XXXX XXXX t-shirt, was not received. The package was sent via XXXX and as explained to claim reps recently, XXXX driver has a habit of forging signatures, leaving packages where they can be stolen and or lost. Previously, the driver forged signature on a package, signed the name " XXXX XXXX '' whom does not live at my address. I believe the driver signed the name " XXXX XXXX '' for this package from XXXX, left it where it could be lost/stolen. I never sign my name as " XXXX XXXX ''. I suspect the driver chose to sign my name like this because I made a complaint about forged signature from prior package, signed " XXXX XXXX ''. This was explained to Wells Fargo claim rep whom called me several days ago regarding claim, mentioned it might be closed out and provisional credit reversed out of account... The credit was recently reversed on XXXX, overdrawing the account. With the information provided above, I request Wells Fargo re-investigate this transaction and reverse credit back in to account. Attempts were made to resolve with merchant and failed, merchant works with XXXX on a company level ... Their delivery team works with XXXX and considers the package as delivered correctly, despite forged signature by driver.

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 2018-01-02
Company: AES/PHEAA
State: MO
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I have a student loan which was supposedly bought by XXXX XXXX XXXX ( " XXXX '' ). XXXX uses the service provider American Education Services to collect payments and deal with my loan. I have contacted AES multiple times, over the phone and in writing, requesting documentation proving that XXXX owns my loan and I have not received any such documentation. 

AES will not allow me to speak with XXXX myself and says all communication must go through AES. They refuse to provide any documentation showing that XXXX actually owns this loan. I believe XXXX either does not own the loan or does not have any documentation regarding my loan. 

I would like help getting documentation. Thank you.

Company response to consumer: Closed with non-monetary relief