BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-02
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
2 MORTAGE PAYMENTS WENT OUT FROM MY WELLS FARGO ACCOUNT TO XXXX XXXX XXXX XXXX WHICH I WAS NEVER NOTIFIED HAD PURCHASED MY LOAN. I PAID XXXX USING WELLS FARGO APP ON XXXX AND THEN THE AUTO PAYMENT SENT A DUPLICATE PAYMENT FOR THE SAME MONTH ON XXXX FOR XXXX. I HAD ABOUT XXXX LEFT IN MY ACCOUNT BEFORE THE SECOND PAYMENT WENT OUT. I HAVE FOUGHT THIS FOR 32 DAYS AND SPENT 37 HOURS ON THE PHONE WITH OVER ABOUT 20 PEOPLE BOTH WELLS FARGO AND XXXX XXXX XXXX XXXX. THIS COMPLAINT IS FOR WELLS FARGO. A SEPERATE COMPLAINT WILL BE RE FILED AGAINST XXXX XXXX XXXX XXXX. 
I HAVE SPENT ABOUT 37 HOURS FIGHTING THIS WITH XXXX COMPLAINTS. MY BANK RECORDS OF DEPOSITS AND PAYMENTS WILL SHOW IN A COURT OF LAW IF REUUIRED BOTH PAYMENTS WERE SENT AND NOW I AM TOLD NOT EVEN 1 PAYMENT WAS RECEIVED BY XXXX XXXX XXXX XXXX. WELLS FARGO CAN NOT TAKE XXXX OF MY FUNDS AND JUST FORGET IT. THEY CAN NOT WASH THEIR HANDS OF THE MESSED UP HAND OF OF MY MORTAGE TO XXXX XXXX XXXX XXXX. I WILL RE FILER SERERATELY WITH XXXX XXXX XXXX XXXX. TODAY XXXX JUST BEFORE XXXX I WENT TO MAKE XXXX PAYMENT AND WAS TOLD THAT I NOW OWE 2 PAYMENTS, WHERE DID MY XXXX DOLLARS GO BESIDED BEING SHUFFLED BETWEEN WELLS FARGO AND XXXX XXXX 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 2021-07-20
Company: CURO Intermediate Holdings
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX Over the past 12 months, possibly more, " XXXX XXXX XXXX '' has been harassing my fiance, myself, my mother, father and sister with repeated and unrelenting calls at all times of the day. 
One day my elderly mother who is sick with XXXX  answered one of their calls and she was verbally assaulted by some miserable man who told her if I didn't pay my debt that I would be arrested. 
They never leave a voicemail announcing who they are, they just inundate my phone with call after call after call. If it was not for caller ID I would think there was some random lunatic harassing/stalking me and my immediate family. 
I can count on my call history over the past six months, over 100 calls to my phone number alone. 

These people do not follow the letter of the law when attempting to collect a debt, they do not have any respect, common courtesy or general decency. 

I hope this complaint is able to prevent someone else from experiencing the type of malicious intent that they have imposed upon me and everyone I love in this world. 

I know God will ultimately handle all wrong doings, so I find solace in that fact.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19
Company: TD BANK US HOLDING COMPANY
State: AL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
My payment is due on the XXXX of each month. On Saturday, XX/XX/XXXX, I logged in to my account with TDBank ( onlineaccessplus.com/tdbank/ ) and noticed they hit me with a late fee on XX/XX/XXXX. 

I tried calling, but naturally, they were closed because it was the weekend. I tried calling Monday, XX/XX/XXXX. After being on hold for 47 minutes, my call was disconnected. When I called again later that day when I got off work, they were closed. Tuesday, XX/XX/XXXX, I sent a message through their online center asking why I was assessed a late fee before the payment due date and they indicated they charge fees the day before it is due and then go back and correct if the payment is made? I have an attachment of a screen shot of this. 

This is not the first issue I have had with them where they had to correct fees. I feel strongly that this would fall under the " Unfair Deceptive Abusive Acts & Practices '' procedures. So, I made my payment as I normally due, but this late fee issue is something that is a concern and moving forward, now that I am setting up auto pay to come out on the XXXX, I don't want to have to worry about a fee EVERY SINGLE MONTH and then worry about having to check to see if it was corrected. 

I have had 4 payments due of {$58.00} since starting this credit balance with TDBank. I was told that payments of {$50.00} would start being due in XXXX. My initial purchase was XX/XX/XXXX. When I tried getting my payment due in XXXX, I was unable to locate anything showing due, so I paid {$50.00} to avoid being " late ''. Since inception, I have paid {$310.00}, all the while, my payments due were only XXXX. This means that my " balance '' should be XXXX. This is a 0 % interest account. As of right now, my balance reflects {$2500.00}. 

I spoke to a rep on XX/XX/28, who saw the issue and said they were clearing the 2 late fees assessed from XXXX. However, they waived both late fees and turned around on the SAME DAY and assessed another, when no payment was due.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-01-05
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
It looks like Chase is doing something similar to what XXXX XXXX was caught doing in opening fake accounts. I was contacted by XXXX XXXX at Chase bank in XXXX XXXX XXXX, CA. She told me that if I opened a new checking account and transferred money in, I would qualify for a bonus of {$200.00}. She said I needed to come into the branch to open the account, which I did about XX/XX/XXXX. She told me that in order to open the account, I would need an employer direct deposit. I told her I 'm XXXX XXXX and do n't have an employer direct deposit. She said that as long as money was transferred into the account within 30 days of opening from a non-Chase account, it would qualify for the bonus. On XX/XX/XXXX, I transferred the required amount from a non-Chase account. 

While I was opening my account, she told me that my wife would also qualify for bonus money if she opened an account as well. I told her my wife is a XXXX XXXX with no income and she said she would qualify under the same rules. My wife went into Chase on XX/XX/XXXX, and opened an account. The person that opened the account was not XXXX and said they did n't know if my wife would qualify or not. The banker suggested I contact XXXX. 

I called her the following week and told her the issue about my wife 's account. She said she would look into it and get back to me. I never heard from her. I called and emailed her several times with no response. Finally, on XX/XX/XXXX, after getting no response from her, when into the branch where she works. I talked to her and told her of the issues with my wife 's account and that I still had not gotten the promised bonus money. She said she would talk to her manager and get back to me the following week. I never heard from her. 

About XX/XX/XXXX, I called the branch and asked to speak with XXXX XXXX, the branch manager. I told her what had transpired. She said she would talk to XXXX and get back to me the next day. I never heard from her. 

On XX/XX/XXXX, I called and talked to XXXX. She said she talked to XXXX and she denied ever telling me what I was told. XXXX told XXXX that I was told it would have to be an employer direct deposit to qualify for the bonus money. 

Of course, that makes no sense. Why would I ( XXXX XXXX ) and my wife ( XXXX XXXX with no income ) open an account with the promise of bonus money if the only way to get that money was a direct deposit, which neither of us have. It seems that XXXX got us to open accounts to increase her bonus. I thought it was weird she would cold-call me for just that purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other service problem

Complaint:
XX/XX/2022 : A Venmo user attempted to use a phone number that previously belonged to me to use Venmo services. I had not yet changed my phone number associated with my Venmo account, and therefore the number should not have been valid on another device. This user was able to not only change my password, but also my financial information without my knowledge or consent. Venmo customer support does not operate after XXXX XXXX time, so I am not able to get a quick response for this theft and potential distribution of sensitive financial information, my debit card number, expiration date, and payment processor.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I want to file a complaint against Experian Credit Reporting Services. I have off and on subscribed to Experian Services to obtain free and monthly reporting services to provide monthly credit reports from all 3 major credit bureaus Experian, XXXX and XXXX. 

My wife and I moved from XXXX  to XXXX  last year and had several inquiries on our personal credit as we sold items in XXXX  then purchased new items in XXXX. Understandable our credit was pulled several times which we understand impacts our credit. I personally have been in financial services for over 25 years so I understand how multiple inquiries can negatively impact your credit. 

My issue seems to be a systemic issue with the difference in what Experian shows as my credit score with what a local credit union shows as my score when they pull my credit. I researched thoroughly with what a bank or credit union requires when it comes to credit scores for certain products. I rely on Experian and my {$24.00} monthly subscription to provide an accurate credit score for myself and my family to make sound financial decisions based on the credit score provided. 

Recently I applied for a HELOC with the understanding that I needed a XXXX minimum credit score. As of today my credit score with Experian Credit Subscription showed a score of XXXX. The credit union provided me the credit report as of yesterday showing a score of XXXX. I would have never applied for the HELOC if I would have known my credit score reflected a XXXX vs the XXXX score Experian showed. 

As a consumer I find it necessary to bridge to gap with what Experian Credit Services shows as my credit score vs what banks, credit unions, credit card companies and any other company that makes a credit decision based off the information provided from one of the major bureaus to be accurate. Major decisions and peoples personal credit are impacted by the amount of inquiries and information being reported as accurate from the Credit Reporting Services provided by Experian and other agencies. 

Why the difference between what Experian Credit Services reports with what banks see when they pull your credit from a pure scoring perspective? I see this as a deceptive practice on the part of Experian. The data they report from their Credit Reporting Services is garbage and not accurate to say the least,

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 2022-01-19
Company: GUARANTEED RATE INC.
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I applied for mortgage refinancing through XXXX XXXX XXXX XXXX and my application was transferred to XXXX and I was approved and my rate was locked on XX/XX/2021. After going through the underwriting process I was told that everything looks good and they ordered the appraisal on my behave and it came back and was accepted on XX/XX/2021. Everything looked good till then, when I got an mail from the loan officer that there is a lien on the property for the city of XXXX that needs to be paid off as part of the financing process. And that was never brought to my attention by them before ordering the appraisal and my understating is that lien is due upon selling the house not refinancing. And as I explained to her that I don't want to pay that off now and sounds like it cant be processed on the terms and amounts we agreed on, then I am asking them to reimburse me for the appraisal fees amount since it was never explained to me before ordering the appraisal otherwise I wound not proceed. And this is not the right way to do business and you should be responsible for your mistakes.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-06-05
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Citi closed down 4 different credit card accounts on XX/XX/2018, and confiscated more thatn 130,000 points and {$55.00} in XXXX cash I was owed from using the cards during the last 5 or more years. Citi did not provide me an explanation for closing of all the cards and did not provide me the capability to cash out my points. 

As a result, I would like to have a judge adjudicate on this matter. I would like from Citi corporate to provide the correct mailing address whereby I can serve them with the necessary paperwork. 

The mailing address has to be a XXXX California based mailing address as that is where I agreed on the cardholder agreement.

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 2017-09-19
Company: P.S.C., Inc
State: CO
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:
This company is incorrectly reporting a collection account in the amount of {$510.00} on my credit report. I have no knowledge of this account, have never had a late payment in my life. I contacted Puget Sound Collections to try to rectify this situation as it has dropped my XXXX+ credit score by 75 points! I was treated very rudely, and told they do n't have the phone number for the original creditor and all she can do is mark their file ( not my credit report ) as a verbal dispute. I finally researched this so called " original creditor '' and found a phone number myself. I contacted XXXX XXXX, whom Puget Sound Collections claims is the original creditor, and I spoke directly with the owner of the business. She stated that her company does not even use a collection agency. I did have her search her records for me, which she assured me she has no record of. To be honest, I would like to think I would notice if one of our two cars was towed, but they are both still here ... in my driveway ... where they belong ... because they WERE N'T towed! I informed XXXX XXXX, a manager a Puget Sound,  but she also did not wish to provide any assistance. I have since filed a complaint with the credit bureau directly, but this company needs to have their collections practices reviewed and revised accordingly. It is absolutely unacceptable that I, a consumer with perfect credit history, should be treated with such disrespect and disdain by a company that has zero legal standing. I am appalled and disgusted and I intend to do everything in my power to force this company to abide by the FDCPA and follow legal collection practices, which do NOT include berating a consumer who has no business with them.

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 2022-01-19
Company: Shellpoint Partners, LLC
State: NH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
According to our original mortgage documents, our mortgage was vested at 80 % as of XX/XX/XXXX and 78 % as of XX/XX/XXXX. According to the law and our mortgage documentation, our PMI should have been automatically removed as of XX/XX/XXXX. 

At this point, our lender, Shellpoint mortgage will not remove PMI. We have contacted them repeatedly over the last XXXX years asking for them to remove PMI and they always have an excuse why it is not possible. 
They now claim that we were late for a payment in XXXX which makes our loan ineligible, but the PMI should have been removed before XXXX to begin with. ( BTW, that late payment was when they erroneously put us into forbearance instead of the deferment we requested due to XXXX. Now they are using their mistake against us. ) We would appreciate any help that could be given with this matter Many Thanks XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have multiple savings accounts with Bank of America, and a checking account with overdraft protection. When I opened the savings account, Bank of America gave me checks to draw off of that account, and a term of the contract was that I could write checks off the account. 

Last week I used one of those BOA checks to draw {$100.00} from the account as a gift. Despite there being more than enough funds in the account, BOA denied the check, causing harm to me and to the recipient in humiliation and still to be determined fees. 

When I called the bank about this, they said that last year they determined to no longer accept checks off savings accounts. This was a material term of the original contract, and as stated before, the bank even gave me the checks. Apparently BOA says the communicated notice by mail and email, but of course, I get several emails weekly, even daily, for promotional offers from BOA. Most of this is spam. Any notice of a change of this magnitude was insufficient, given the potential harm to a consumer for a returned check. I am confident that others are similarly situated and I want the CFPB to investigate whether notice was sufficient in light of the spam mail BOA sends out continuously, and how many other consumers have been negative affected.

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 2022-01-19
Company: U.S. BANCORP
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with additional add-on products or services

Complaint:
On XX/XX/XXXX XXXX at XXXX XXXX  I get a call from a XXXX XXXX  out of XXXX XXXX Florida saying Ive been approved for a loan of XXXX dollars they asked for my last four digits of my ss number after I tell them this they tell me to get the loan I needed to make a payment of XXXX a one time payment to insure the loan amount I told them I wouldnt pay it that this is a scam they laugh very loud and hung up on me their phone number is XXXX XXXX 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 2022-10-06
Company: CCS Financial Services, Inc.
State: NV
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'm XXXX XXXX, and I need your assistance in contacting this company. I made an effort to contact them to find out who had opened an account in my name and why. I'm disappointed that this serious problem is now affecting my credit score. I don't allow anybody to use my name, birthdate, or any other details since it also violates data privacy. They need to identify the person who opened the account in my name and give them the data rather than me. Kindly help me in resolving this.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
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 belongs to someone else

Complaint:
I was working from home as a XXXX XXXX XXXX XXXX. I was paid to XXXX XXXX XXXX XXXX XXXX XXXX XXXX I received a check from one company and it cleared with no problems at my bank, bank of america. Then the next month I received another check for my services and I again went to my bank to deposit the check and it was confiscated for fraud. I did not know the check was fraud and my bank advised me to close my account so I did. No questions asked. I no longer accepted jobs from the company but yet I went to open up an account and I was notified that my name was under fraud suspicion. I would like this issue resolved, this is false information. I pay taxes and bide by all rules. I need direction as to what I need to do to resolve this asap. 


Thank you XXXX XXXX XXXX XXXX Consumer # 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 2019-07-30
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
There are a number of address discrepancies on my credit report that do not belong to me. These old addresses have possibly allowed my information to become compromised.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20
Company: EQUIFAX, INC.
State: PA
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation