BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-02
Company: WELLS FARGO & COMPANY
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
2nd attempt to drop PMI on my mortgage loan with Wells Fargo. First attempt a few years ago I missed the appraisal mark by XXXX when a duplicate house with less renovations as mine on a smaller lot sold for XXXX more than my appraisal. Now attempting since XX/XX/XXXX to do the same thing but Wells Fargo will only accept an appraisal by core logic that they are in partnership with, owning companies together, as late as XX/XX/XXXX and wanting to charge me {$550.00}, {$200.00} more than the national average, for said appraisal. Now I'm finding out that XXXX, who holds the mortgage insurance policy, has strong ties to Wells Fargo so there is strong incentive to bias the appraisal that they control to keep me paying premiums on mortgage insurance. 
1 : Why can't I use any licensed appraiser? and 2 : Why is their fee {$200.00} above the national average? 

Seems to be extremely unfair towards the borrower.

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 2018-08-02
Company: SYNCHRONY FINANCIAL
State: AL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Fraudulent account by name of 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 non-monetary relief
Consumer complaint received 2018-09-29
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Confusing or missing disclosures

Complaint:
I open a new acct with chase bank the terms of the debit card overdraft protection was not explain to me clearly ... when I call in XXXX the lady apologized and removed fees then again I had money in my acct when I made three charges they are telling me because the charges didnt post until the next day my avail funds I had cover other immediate charges so I was charge overdraft fees for charges that was posted the next day they charge me XXXX dollars fee each for transactions that didnt posted until the next day ... they are no help they were rude and no apology and they didnt explain to me still clearly how it works and I need those fees to be removed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-09-29
Company: HYUNDAI CAPITAL AMERICA
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 status incorrect

Complaint:
I had a 36 lease obligation with XXXX XXXX XXXX. I paid up the last few lease payments with a check of about {$3000.00} or so. Never 30 days late. I ended up owing some taxes which I was planning on paying towards next month bal. of {$1700.00}. I check my credit report today Hyundai reported me 30 days late. This is not fair credit reporting to a good paying customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-27
Company: SYNCHRONY FINANCIAL
State: OH
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 opened Walmart account XX/XX/XXXX. My charge amount was XXXX they closed my card XX/XX/XXXX because I wanted my payment date changed from the XXXX to the XXXX. They closed my account when I wanted paper billing. I paid 18 straight bills adding up to {$910.00} which was way more that I shouldve paid. Then in XX/XX/XXXX XXXX XXXX contacted me to pay approx {$270.00} till XXXX and I did! I paid {$100.00} in XX/XX/XXXX. This all added up to {$1200.00}. And they have still charged me late fees XXXX and I havent charged sinceXX/XX/XXXX. And they wont stop even trying to talk to them several times again. Now my credit score is low because of Walmart/synchrony bank. They owe me money and need to stop the late fees my account was paid awhile ago for my charges which ended in XX/XX/XXXX. Id appreciate if you can make them stop on late fees and return me money they owe me. I made 18 straight payments of XXXX. Then XXXX XXXX XXXX. And then another XXXX it shouldve stopped when I paid XXXX  and I was just outta the hospital and wanted to be done with them. But no they are still charging me. Please make them stop and get me a refund thank you for your 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 monetary relief
Consumer complaint received 2021-05-04
Company: Experian Information Solutions Inc.
State: NC
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: Investigation took more than 30 days

Complaint:
I have received a copy of my credit report and it shows company XXXX  XXXX account XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$640.00}. I have tried many times to get this verified with no such luck. Please review for deletion.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-10
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: Old information reappears or never goes away

Complaint:
XXXX XXXX XXXX, ACCT NO.XXXX IS FRAUDULENTLY APPEARING ON EQUIFAX , XXXX  AND XXXX REPORTS. 

XXXX XXXX IS THE THIRD COLLECTOR IN A ROW FOR THE SAME XXXX DEBT, THE ORIGINAL CREDITOR. 
THE PREVIOUS TWO COLLECTORS XXXX XXXX AND XXXX XXXX   WERE DISPOSED OF PREVIOUSLY BY CFPB COMPLAINT AGAINST ALL 3 BUREAUS.I HAVE ATTACHED XXXX CFPB COMPLAINTS BUT ALL 3 BUREAUS RECEIVED THE SAME COMPLAINT AT THE SAME TIME AND ALL 3 BUREAUS DELETED

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-06
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
fraudulent credit card opened under my name listed under my old neighbors address. I would like to press charges against her. credit card company is XXXX XXXXXXXX XXXX. the neighbor who stole my identity is named XXXX XXXX from XXXX XXXX Fl XXXX. She works at XXXX XXXX XXXX. she opened a fake account under my name for XXXX $ and maxed it out I caught her from my alerts on my phone. the address of delivery was her XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
XXXX Office of the Attorney General put a levy on my checking account on XX/XX/18 without any notice, I called and spoke to them and they verified that it was done by mistake and sent a release by fax to Bank of America. This has left me with XXXX money for food or gas for 2 days now and they are saying it can take an additional 5 days. Bank of America and Child support did not offer any help, they simply did not care that this can hold my funds and my incoming direct deposit. On top of the Levy I am getting charged a legal fee of {$120.00} and {$44.00} by bank of america, adding additional insult to my situation, I want these fees refunded immediately and the levy removed. I am also a military veteran and single father of XXXX small kids, ages XXXX and XXXX. Since I am not getting help from Bank of America and the error caused by child support I am contacting media to help me feed my children for the next couple of days that my bank account is overdrawn by {$850.00} dollars. I am also a decorated XXXX XXXX who was XXXX overseas. I plan to sit down with the news media and explained how Bank of America doesnt care about the military and would be ok leaving me and my children without any money. This has caused emotional stress on me and my children.

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 2019-03-22
Company: Ditech Financial LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
ditech sent me a Notice of Serving Transfer letter dated XX/XX/XXXX19. I received this letter on XX/XX/XXXX19 which is less than 15 days from the transfer effective date ( XX/XX/XXXX2019 ). I've received mortgage Serving Transfer notices from other banks usually 60 days before.transfer effective date. 

Ditech 's delay in sending out this notice gives me very little time to react to the impending transfer to XXXX XXXX XXXX XXXX, VA. For example, I may elect to payoff my mortage or refinance to avoid doing business with the new mortgage servicer. In this case, XXXX XXXX appears to have poor customer rating which concerns me. 

XXXX XXXX XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-22
Company: KINGS CREDIT SERVICES
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Hello I received medical services on XX/XX/XXXX2010, which is the day my health insurance at the time was cancelled. I was informed that my insurance would not pay for the services because my health insurance actually expired at XXXX on XX/XX/XXXX/2010.  Unfortunately my company was unable to continue our medical benefits due to the economy. Fast forward to today, the collections agency put this debt on my credit report using a 2015 date, which is false. I filed a dispute online through XXXX and XXXX without resolve. I contacted the medical facility I received services from to verify the date they saw me. The debt is now 8 and a half years old and should be removed from my credit  report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
On XX/XX/XXXX my PayPal account got permanently Limited and thus I have been banned from conducting any business with PayPal, including withdrawing my outstanding balance of {$1200.00} on account using email address ( XXXX XXXX and there has been a 180 day hold on the money.I have been conducting regular business and Withdrawals through PayPal, no drastic changes have occurred on the account so I feel I was unfairly cut off by PayPal as they did not specify their reason as to why they have decided conducting any further business me would be a risk.This account freeze ha out a stop on my business I hope to have my account reinstated soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-25
Company: EQUIFAX, INC.
State: TN
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:
XXXX and my divorce started in XXXX XXXX  2015. She had sworn that she would bankrupt and ruin me prior to filing. Ever since filing she has made my life XXXX. Filing false XXXX charges ( all dismissed and expunged ), having my kids and I thrown out of house, changing my mailing address, contact info, spreading lies on social media about me ( ultimately getting her XXXX for harassment ) Most recently learning she had been having my mail forwarded to her new address at XXXX XXXX XXXX XXXX. I was informed that this was her address by the police officer when making the report after discovering address on my XXXX XXXX and XXXX bills. My car was repossessed, mortgage had gotten soo far behind that I had to modify it to keep it. I have debts and collections on my credit that I did not know even existed. She has been XXXX  for harassment, tried having me XXXX XXXXand or XXXX  by various people, and has attempted getting me fired for false charges made on me as noted above. The time and expense and credit issues I have incurred by this fraud has severely crippled me, making it difficult for my children and I. I am hoping to have my credit restored at least.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-26
Company: EQUIFAX, INC.
State: MD
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:
For the last four years someone has been using my social security numbers and trying to get loans last year someone reported that I was released and each year I send information to Equifax and the problem is never sovled this year I notice something else was wrong my potential job tryed to run a background check and couldn't because I had to report fraud of idenity theft for the previous years my I'd was stolen out my mailbox and this person has access to my social security number how they retrieved it I don't know.This year I called Equifax again because my potential employer could not verify my address with social, and asked them to for a temporary lift so my employer could verify my social and they asked me security questions and was not able to lift it because they stated I answered the questions incorrectly, so they asked that I submit information to verify who XXXX and I did each year I have and they keep acting like the information was never received I believe the person who used my information works for the goverment or know someone who does, Last year my social was linked to someone who was dead I had to clear that up the previous year someone got XXXX phones in my name and now this.The process has been going on for four years with this and Equifax is not helping.I worked at XXXX XXXX in 2014 and someone who was from another country had the same social security number as I did.I just want this to stop I do have proof of who iam and can verify that as I have done with Equifax for the last four years it's starting to be a problem, they sent me a letter last year stating I was affected by the data breech.Also this is not right and has also slowed my process to go to orientation for my potential work place which I was suppose to go on the XX/XX/XXXX but  couldn't.I have to take them proof verifying who Iam

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08
Company: WELLS FARGO & COMPANY
State: AZ
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:
On XX/XX/XXXX my credit card was charged for the full amount instead of the monthly installments that were set up. This was a mistake on my behalf and I reached out to Wells Fargo to get it reversed. 

They told me that it can take up to 11 business days to get my money back. 

Today is XX/XX/XXXX and I still have not received my funds of over {$3000.00}. 

Ever time I call they give me the runaround, and refuse to tell me when Im getting my money.

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 2018-07-10
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Pro collect is trying to collect {$330.00} for XXXX XXXX apartments when I have never lived or applied there. They claimed that I may have co-signed for someone and I did not. This is not my debt and they refuse to delete it from my report. I was never sent a dunning letter about this debt prior to it hitting my report and they have not be able to provide a copy of the lease contract that they allege that I had with The XXXX. I spoke to a representative today ( XX/XX/2018 ) and he says he was looking at my lease contract but he refused to email it to me. I want this erroneous debt removed from my report ASAP!

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 2019-03-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2019, I mailed a letter disputing a XXXX on my credit report. I would need the actual signed contract or it needs to be removed because it being reported inaccurately. 

I asked that each account be verified by the original creditor. 

They never respond to my letter.

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 2021-05-04
Company: Paypal Holdings, Inc
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
PayPal close my account for not reason and them will not help me with Getting it back up and going. Every time when I try to withdraw my money from my account PayPal hold my access. 
They just made all difficult for me. My account was already verified with all my personal information and I never made any mistake. 
I never had dispute or charge in my account. I do not know what the problem with PayPal is, but many Users have same problem, and the only answer of PayPal is said was Fraud activity.

IF PayPal just hold money for everybody, I Guess PayPal must fix the problem. 


My email is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 have been a customer of XXXX  XXXX XXXX for over 18 years After I paid off a loan with them they raised my credit limit to {$22000.00}. 
The credit card balance was XXXX but I had forgotten that I made a small transaction. I did not get my XXXX statement and when I saw that I was delinquent I paid the full amount However my credit limit was reduced to {$500.00}. And my credit score dropped 40 points because they reported a delinquency over 30 days I wrote them a letter because they stated no phone calls to dispute changes or delinquent charges I pay all bills on time but I would like to refinance my mortgage and this lower score is damaging my rate

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 2019-03-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
My ex wife used my information to apply for credit cards with out my permission in order to add her self as an authorized user on these credit cards. My lawyers are currently sueing her in court for these fraudulent activities I contacted XXXX  to let them know exactly what transpired providing them with court documents but nothing was done please remove these hard inquiries items from my credit because it is really hurting my credit score.

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 2019-03-22
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
a XXXX XXXX was assigned to the account well over amonth ago, he finailly reached out to borrwoer rep the other day, we hav elost so much time and now carrington states foraclosure to be put in paper XX/XX/2019/thsi was caculated ,2 weeks went by and i asked XXXX XXXX why has not gotten back to me and stated he was sick, then no calls twoweeks now forclosure, this is very disengenious.demand is madeborrwoer have formal discussion on loss mitgation options!! this is and unfair business practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-26
Company: Square Inc
State: AL
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 had {$14000.00} in cash app saved up. And I transfered {$4000.00} successfully and a couple days later cash app suddenly closed my account and said I wasnt following their rules. All I wanted was to purchase a home. So I linked my bank card to cash app to cash out my remaining balance to my bank account and the card I linked was my temp card from my bank so when the money came threw my bank sent it back. Then cashapp said they  closed the issue. And now I cant get anyone to help me. They apparently do this to everyone. Close their account and keep their money

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15
Company: Bread Financial Holdings, Inc.
State: OR
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Last year shortly after opening the line of credit, I made a payment and then I was hounded several times a day by the company for another payment before it was due. I told them it was a violation and to never call me again over any payment issues. Today they called me 5 times between XXXX XXXX and XXXX XXXX. They already sent me a statement showing my bill is not due until XX/XX/. They do not verify 3 pieces of information before discussing personal information, and they have zero regard for federal regulations.

Company response to consumer: Closed with monetary relief