BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-10-03
Company: American First Finance, Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Hello my name is XXXX XXXX. Account with American first Finance # XXXX. Two weeks ago I called XXXX XXXX XXXX to tell them I would not be able to do my payment of XXXX on the XX/XX/XXXX, so I moved my payment for XX/XX/XXXX. I told the agent I spoke to that I would do my payment by myself and told her I would be able to MAYBE do a double payment I was not sure. She asked me If I wanted this payment to be automatically drawn from my account I said NO specifically, that I would do it myself and I made that very clear to her. When I was going to make my payment of XXXX on XX/XX/XXXX, because I could not do the double payment. I saw that my account said that there had been a payment of XXXX paid that day. Was very confused. So I did not do my payment. Monday morning XX/XX/XXXX I wake up to my bank account being on negative and saw that they had taken out the XXXX automatically out of my account without consent considering I had made it very clear that I did not want this withdrawn from my account and wanted to do it myself. So I did not authorize this transaction which is my biggest problem. A transaction has to be authorized before any money is touched again I said NO to this. I called and spoke to an agent first, she told me that on the notes it said that I had given consent to the last agent to take my money out of my account, I told her this was incorrect and that I wanted to speak to a supervisor and have her listen to this call. Did not get supervisors name but I spoke to her on XX/XX/XXXX to the phone number of XXXX at around XXXX. She was very short and rude and not helpful at all. All she said to me was that I was late on my payment and that on the contract it said they could take money out of my account if I was a day late. Which I do n't believe to be true as I been a day late before and this had never happened to me before. I explained the situation to her. Told her I needed a refund and she was just rude and told me she could not do that and said false information. That she would send me a copy of the contract to my email and highlight the part where it says they could take money out of your account without a consent. It is now XXXX on XX/XX/XXXX and still have not received anything form them. My biggest issue here is that you can not just take money out of peoples account without their consent. Big violation. & then when you speak to a " supervisor '' they tell you false information. I would like this call to get listened to by a real supervisor or CEO. & get my money back. Also I need that copy of that contract highlighted with the information this girl told me thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Today XX/XX/2021 ShellPoint Mortgage representative stated they were unable to speak to me due to litigation - I have not received and information as to litigation or if regarding on going litigation with another party. 

I asked for contact person and representative stated ShellPoint was unable to provide ShellPoint did update prior request regarding address - which is appreciated

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 XXXX XXXX XXXX filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. 
These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these accounts to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.

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 2017-10-03
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On X/XX/2017, I discovered 2 unauthorized charges on my PayPal account, which is connected to both my bank and credit card. My PayPal account had 2 unauthorized charges to XXXX and XXXX respectively. Although XXXX and XXXX both confirmed to me that these transactions were made under a fraudulent account, they were unable to release any further information, except XXXX provided that the name on the account was " XXXX ''. I do not know anyone by that name. 

Because I had previously connected my PayPal account to my XXXX and XXXX apps, these merchants were considered to be " pre-approved ''. It allows transactions to be made without any further verification and this is how they were made without my knowledge. 

I relayed this to PayPal multiple times, but it has been difficult to receive any kind of personalized response. I do n't expect a formal letter, but none of their email and messages address what I say that may even help them in their investigation. In the end, they closed my claims stating that these charges were authorized because of the pre-approval. 

Now I am trying to close and remove all my payment methods from PayPal, but I keep receiving errors saying that it ca n't be done. Trying to talk to a real person at PayPal has been a nightmare. 

I have since resolved the disputes with my bank and credit card company, but I am worried PayPal will try to push the transactions through again.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-07
Company: Experian Information Solutions Inc.
State: TX
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: Problem with personal statement of dispute

Complaint:
I have reached out to Experian on many occasions about XXXX XXXX I contacted them on XX/XX/XXXX and the were supposed to do an investigation and it took less then 7 days and they said the account was verified as correct. I also reached out to the company XXXX XXXX  on XX/XX/XXXX for proof bearing my signature and they could not send me over proof. I then reached back out to Experian showing that XXXX XXXXXXXX could not send me over proof, and they still did nothing but report it as correct. On XX/XX/XXXX I then reached back out to Experian and XXXX XXXX regarding this account again and Experian once again did an investigation stating the information is correct and enhanced recovery never reply 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 2019-10-10
Company: Paypal Holdings, Inc
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Refund anticipation check
Issue: Lost or stolen check

Complaint:
I purchased an item on XX/XX/XXXX, and used paypal 's services to purchase the item. The seller cancelled the sale, however, Paypal hasn't release the refund. I have reached out to Paypals customer service on mulitiple occasions and also filed a dispute. I received confirmation that the funds can be withdrawn, see attachments ; however, they still have not released the funds back to my paypal account to be released. It has been longer than the release date anticipated. 

Amount {$630.00} Paypal Transaction ID XXXX The cancellation number XXXX. Order cancelled on XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-15
Company: EQUIFAX, INC.
State: CA
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:
Is someone looking into this Data breach with Equifax?! this is absolutely mind-boggling! I have called, because quite frankly, I do not trust their website. Their employees are poorly trained and they give out wrong information. Why ca n't Consumers opt-out of outfits like this? They could ruin my chance for a promotion at work, not to mention the inability to get loans, or refinancing? Please, can you do something for us? 

ALSO, EQUIFAX IS REQUIRING ANYONE WHO SIGNS INTO THEIR WEBSITE TO CHECK TO SEE IF THEIR ACCOUNTS HAVE BEEN COMPROMISED, THEY WAIVE THEIR LEGAL RIGHTS TO PARTICIPATE IN ANY CLASS-ACTION SUIT!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07
Company: LAKEVIEW LOAN SERVICING, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/XXXX, we received a letter from Lakeview Loan Servicing LLC advising our mortgage loan records were accessed by an un-authorized entity between XX/XX/XXXX and XX/XX/XXXX. The records accessed contained name, address, loan number and social security number. Problem : Why were our mortgage loan records still in Lakeview Loan Servicing LLC systems and not archived since our mortgage loan was transferred to XXXX effective XX/XX/XXXX? More than two and a half years before Lakeview Loan Servicing 's security breach? 
The letter Lakeview sent us on XX/XX/XXXX, provided a phone contact number XXXX which we called, and it automatically dropped after one ring. Thus, any questions we had were not answered. Lakeview Loan Servicing engaged XXXX XXXX XXXX and we tried to enroll in their free one-year service but could not because they wanted us to enter our social security numbers and we do not want to give that information to XXXX XXXX  XXXX Lakeview Loan Servicing assigned us a membership number XXXX and XXXX which XXXX XXXX should be able to use without having to enter social security numbers.

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 2020-02-10
Company: WELLS FARGO & COMPANY
State: IA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
I had spoke to XXXX on XX/XX/XXXX regarding overdraft protection fees. Wells Fargo had transferred {$25.00} from my checking account to my savings account the same exact day that I had two XXXX transactions pull from my account. I was told from XXXX that she was going to take care of both {$12.00} fees and that I wouldn't have to call back. I was also told that same day from the person before her that I will have {$27.00} in my savings account. Since then, I now have an overdraft protection fee - {$12.00}, state sales tax - {$0.00}, and an overdraft fee - {$35.00} attached to my account. A representative had asked me if I wanted the bank to decline any future transactions and I had told them yes. I now have 2 new  transactions that are pending which will also have overdraft fees attached in the future - {$35.00} x 2. I was transferred to an " executive '' department and was issued a case number : XXXX on XX/XX/XXXX. I was told a case manager would be assessed to my case within two business days. We're now on the third business day and still haven't heard from anybody. I spoke to someone this morning, XX/XX/XXXX, and was advised that it only takes two business days, but then that statement was retracted. He also advised that I blamed the bank with the word " illegally '' in my statement, which is untrue.

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 2022-04-07
Company: JPMORGAN CHASE & CO.
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
A chase scammer gained remote access to my computer which I shared and induced {$2200.00} out of my account over 2 days though XXXX ( chase ) and Chase bank won't follow regulation E and give me a refund. I don't know what to do next, I feel badly scammed. 

XXXX XXXX These are the two chase XXXX  transactions that I was scammed on.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15
Company: Medical Data Systems, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Hi, To whom this may concern, I have contacted the Medical Data Systems at numerous attempts. First attempt was XX/XX/XXXX via email to ask for Debt Validation. Second attempt was XX/XX/XXXX to inform them that I haven't received a response from the company to verify proof of debt within the 30 day time frame by federal law from the first attempt of reaching out to the company. I have attempted to ask the company for the following information below, The name and address of the original creditor, the account number, and the amount owed. 

Verification that there is a valid basis for claiming I am required to pay the current amount owed. 

Details about the age and amount of the debt, including a copy of the last billing statement from the original creditor ; a detailed explanation of any interest added or payments made since the last billing statement and the legal authorization for this interest ; the date the original creditor claims this debt became delinquent. 

Please also note whether this debt is within the statute of limitations and how that was determined. 

Please also forward details about your authority to collect this debt : whether you are licensed in my state and if so provide the date of the license, name on the license, license number, and the license number, and the name, address and telephone number of the state agency issuing the license. If you are contacting me from outside my state, provide the licensing information from your state as well. 

The company has failed to provide proof of the debt they are stating that I owe. Unfortunately, I am not obligated to provide payment to any company or agency that can not provide proof of debt or payment they are stating I owe, according to my credit report. When I called the company to confirm the amount listed on my credit report they were discussing amounts that we're never reported and informing me that I have to pay an extra amount in order to close my account, which is violation of the False Claims Act. 

I also contacted both offices via phone ( Florida and Alabama ) to discuss the concerns of my debt.

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 2020-04-24
Company: WELLS FARGO & COMPANY
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Wells Fargo services our mortgage ( Loan number XXXX ). We asked for and received a short term ( 6 month ) suspension of our mortgage payment due to the pandemic. I am a XXXX and my XXXX has essentially disappeared. I can't pay my rent in my XXXX XXXX and my XXXX XXXX XXXX will be impacted if I lose my home. 

Our mortgage is actually owned by XXXX. I went to their website and they offer a 12 month suspended payment program as well as other payment options. Wells Fargo does not. Why the discrepancy? The offerings should be consistent. 

None of knows what will happen with the pandemic and need the assurance that WF is not going to take advantage of us or the situation.

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 2017-10-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KS
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I have not been able to open a checking account in years I have no ideal why this is happening. Had fraudulent banking account activity from XXXX XXXX on my credit report a few years back that has since been disputed and removed from my report I have tried to open checking accounts with XXXX XXXX XXXX XXXX who also did a credit report that I did not authorize bank of america also did an unauthorized viewing of my credit report they have also send me an email stating they will contact me through email when my account has been approved have yet to receive that email I have also tried to open up checking account s with several other banks which have also obtained my debit card information social security number and unauthorized credit reports and denied me an account there after.

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 2019-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 recently had 4 30-day late payments on my credit report. I have email confirmation when payment was sent but yet XXXX still wont correct said error. Each email contains a tracking number to track when payment was sent. In fact, I had one for the month of XXXX and payment was submitted ON TIME. XXXX reports XXXX payment as on time and payment is not due yet.

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 2021-12-01
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-09
Company: BBVA FINANCIAL CORPORATION
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
On Saturday, XX/XX/XXXX - my accounts formerly owned by Simple, were rolled over to BBVA USA as part of an acquisition/merger. BBVA completely botched the rollover ; my accounts have been unavailable to me for over 24hrs. I can still make ATM / Debit withdrawals, but have no visibility on balance, transactions, or ability to deposit checks or funds. Their customer service department has been overwhelmed by customers similarly left adrift - and I have been hung up on multiple times by their customer service reps. 

My funds are effectively being held hostage by a company that seems to have no interest in assisting its new customers. Stay away from BBVA, I intend to close my account as soon as I have access to my funds again.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Synchrony Bank lowered my credit limit for no reason. My payments made timely and no adverse remarks on credit report. In fact, my FICO increased before they lowered by credit limit on a {XXXX balance. This adversely has effected my credit score now.

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 2022-04-07
Company: BERKSHIRE HILLS BANCORP, INC
State: RI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
On XX/XX/XXXX I made two loan payments of XXXX ( by accident ) instead of applying the extra payment to my principle balance they carried it over every month so I have been paying a month in advance for 2 years. That's two years I have been paying more interest on my loan because the extra payment was just carried over. In late XXXX of XXXX I noticed that the {$390.00} was no longer being carried over, so I called Berkshire Banks customer service line and asked to speak to someone in the loan department. XXXX XXXX returned my call and informed me that XXXX was the last month they where carrying balances over and that they where applying any over payments to the balance. ( Which that is the way it should of been all along ). So I asked XXXX where the XXXX credit that I was carrying over was, he stated that they applied my XXXX payment to the principle balance because I didn't owe any money for XXXX. So I asked him when was the credit I was carry over applied to my principle balance. And he stated it was applied in XXXX. I asked XXXX  to send me confirmation of that. He sent me two print outs. 1 showing that since XX/XX/XXXX I was always paying a month in advance. ( from the extra payment I made in XX/XX/XXXX } I have never missed a payment. The other was a break down of my payments since XX/XX/XXXX- XX/XX/XXXX. Which looks like this Date Pd Amount Paid XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX. XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX On XX/XX/XXXX I spoke with XXXX XXXX and she states I am up to date and that I am no longer running a credit balance. So I no longer have a credit of $ XXXX ( XXXX overpayment from XX/XX/XXXX + a few dollars here and there that I paid extra a few times ) Yet my principle balance has not decreased by anything besides my monthly payments. Where is my 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