BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-06
Company: Netspend Corporation
State: TX
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:
I have filed a dispute with PayPal and they will not return my money my dad XXXX XXXX has stolen {$9200.00} from my account I have not authorized him to use my pin or card he has done it in the month of XXXX to the month of XXXX I had no idea he was using my card I thought the temporary card I had was the permanent one and was trying to save my benefits from XXXX onto it and when I went to use my card I find out that is a temporary card and has expired and he had done ordered another one and had been using it and withdrawn all of my benefits off of it when I filed a dispute with PayPal they told me that they can not refund my money to me because I he had my pen and information to it but I didn't let him use my card he only had my PIN because he helped me set up my account but I did not authorize anyone to use my card

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 2019-02-20
Company: Convergent Resources, Inc.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I received a letter in mail today from convergent outsourcing say I owe XXXX XXXX . My name and address are correct on the letter I called XXXX but they have no record of this. This is identity theft since I have not used XXXX nor do I owe any money I want convergent to confirm I owe nothing and to not contact me after that

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 2018-04-03
Company: JPMORGAN CHASE & CO.
State: IN
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Vehicle was damaged or destroyed the vehicle

Complaint:
On XX/XX/XXXX my vehicle was rear ended and claimed a total loss. I received the first payment on the loan three months after initial hit. The driver was not inssured to the level that needed to pay for my car. I halted payment as I had both been paying for GAP insurance as well as had full insurance with my provider. I tried communicating with Chase and halting payment. Really hurt my credit while I waited for payments to be made.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-21
Company: Experian Information Solutions Inc.
State: SC
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: Problem getting your free annual credit report

Complaint:
Tried to pull my report through the annual credit report site and got this error message ( see Experian ) Also attempted to pull my XXXX  report and it does not work via the annual credit report site. They give the same error message they give when I tried to dispute an item via their main site. ( The complaint about their main site is in a separate complaint ).

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 2020-11-16
Company: Exeter Finance Corp.
State: UT
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:
1. On XX/XX/2020, XXXX XXXX add a hard inquiry on my credit report per XXXX. 
2. On XX/XX/2020, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 
3. On XX/XX/2020, EXETER FINANCE CORP add a hard inquiry on my credit report per XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17
Company: EQUIFAX, INC.
State: NY
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:
this company did not respond to me in a timely matter I wrote them requesting an investigation into items that I believed were INNACCURATE I havw not received a reply from them or any acknowledgment that an investigation has begun. In my previous request

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-02
Company: WELLS FARGO & COMPANY
State: MI
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for a home loan to add approx XXXX sq ft to my property. I had my contractor submit the paperwork and drawings to Wells Fargo and agreed to have the do a appraisal. Without discussing anything with me the choose to order a appraisal from a company located XXXX-XXXX miles from my location instead of using the numerous companies located around my area that would understand market conditions and variables. Below is a email I sent to Wells Fargo, at this point the resolution I am looking for is a refund of the appraisal fee. I am even willing to take that refund in a the form of a check donation to a charity of my choice. I have not problem they did n't want to issue the loan but have a problem that they refused to consider that they appraisal company they choose to use was too far geographically from my area to accurately appraise my property. I have done research using local realtors and comparable home sales the the true value of my property as it sits today without the addition is between 230-250K. So a value of $ XXXX with addition is just plain wrong. email sent to Wells Fargo on XX/XX/XXXX I have at least three properties that show per-renovation value at between {$84.00} to {$130.00} per sq ft for similar properties. I think I found the problem. The basement is 100 % finished and is XXXX for one and his comps are not good at all. Below are three good comps. The total square foot for my house without addition is XXXX minus XXXX sqft for utility room in basement, XXXX upper and XXXX lower plus XXXX additional for new addition. So total new sq ft would be XXXX so if the value is taking conservative average of {$100.00} sq ft that would be $ XXXX. Even if you take the low end of {$93.00} that would still be XXXX. This does n't even include the fully finished garage office/man cave at over XXXX sq ft which is livable space for sure. If you add that in the value at XXXX would be $ XXXX Please advise as I am not about to pay for a appraisal that was n't done correctly and tell me that I am putting $ XXXX into a house but the value is only {$190.00} is just ridiculous. Wells fargo picked this appraiser and I would hope you help to make this right. XXXX XXXX XXXX XXXX XXXX sold on XX/XX/XXXX difference XXXX acres 1 more bathroom, 2 less bedrooms. {$240.00} XXXX/sqft XXXX XXXX XXXX XXXX sold XX/XX/XXXX difference is less sq foot $ XXXX $ XXXX/sqft XXXX XXXX XXXX XXXX sold XX/XX/XXXX difference is XXXX acres but 2 less bedrooms and 1 less bathroom and a lot less sq ft {$130.00} sq/ft {$180000.00}.

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 2018-10-04
Company: WESTERN UNION COMPANY, THE
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other service problem

Complaint:
Complaint About : A Worldwide Corporation refused service 's offered to me that is offered to the general public which impact my constitutional rights and civil liberties. 
. 
Type of problem ; A Worldwide money transfer corporation refused to allow me to patronize their corporation to perform a money transfer from the United States of America abroad. This corporation stated they have the right to refuse service to individuals in the general public but are required to comply with legal and regulatory standards in countries they service ; their decision toward me XX/XX/XXXX violated my constitutional rights and civil liberties as an American Citizen ( please reference page _ attached ). 

What happened : On XX/XX/XXXX I attempted to patronize a worldwide money transfer fee service corporation and was refused service. Their call center stated a " COD '' had been placed on my account and I would need to contact their internal Global Consumer Reinstatement department via email. This department asked me to complete and return their Consumer Reinstatement Questainnare along with any necessary documents requested. On XX/XX/XXXX all of the proceeding was provided to this corporation. 

On XX/XX/XXXX I received an email from their employee named XXXX Op XXXX who stated all documents had been receive and tracking # XXXX had been assigned. Having been told it would be completed within ( 5 ) business days and having exceeded that time frame on XX/XX/XXXX I inquired via email a second time to that department and was informed by XXXX Op XXXX that they were working to solve my issue ( please reference documents enclosed ). 

On XX/XX/XXXX I received outcome from this department communication stating this corporation has the right to refuse service to anyone in the general public and based on their service terms and conditions they stood by their decision to see that I would continue to be refused service. 

What company is the complaint about - Western Union. 

People Involved : XXXX XXXX - Customer XXXX ( Op ID : XXXX ) XXXX ( OP ID : XXXX ) Pertinent Additional Information : I have been a Western Union Reward Point 's Member since XX/XX/XXXX ; my WU # is XXXX. 

From XX/XX/XXXX to present .I have acquired over XXXX reward points patronizing this corporation and have never had any problems. 

MTCN number 's of past use are listed below although some of the dates, transactions and dollar amounts vary which show my frequency patronizing this corporation. It was similiar to buying stamps at your local post office in using their service : XXXX,XXXX, XXXX, XXXX, XXXX, XXXX, XXXX,XXXX,XXXX,XXXX,XXXX,XXXX,XXXX,XXXX, XXXX,XXXX,XXXX,XXXX,XXXX,  XXXX,XXXX,XXXX,XXXX,XXXX,XXXX,XXXX,XXXX,XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-11
Company: Commonwealth Financial Systems, Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I do not have a contract with Common Wealth. 

I do not have anything that shows that I have a debt with this company. 

This debt has been on my credit report before and has been removed after contacting the CFPB. 

They have now put this debt back on my credit report. 

I have no knowledge of what this is for. 

It needs to be removed from all credit bureaus. 

They are now in violation of the FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-07
Company: Bread Financial Holdings, Inc.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
XXXX has called several people who should not have been contacted regarding any of my information on numerous occassions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-06
Company: AmeriHome Mortgage Company, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I got my home mortgage refinanced with a new lender, the closing date being XX/XX/2020. It's 73 days past, but I haven't received the escrow balance refund cheque from Amerihome Mortgage Company ( old leader ). I did multiple follow-ups with their customer service but always got a canned answer that the cheque will be mailed in 2 weeks. Amerihome has uploaded the scanned copy of the cheque onto my loan account on their website ; I guess to show on record that they are compliant but never have mailed the physical cheque to me ; maybe the cover-up reason from their end would be 'the cheque was mailed, but it got misplaced '! I want to bring to the CFPB 's notice the malpractices followed by these home mortgage companies and seek remediation on the above complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-06
Company: Paypal Holdings, Inc
State: MN
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
On XX/XX/2021 at XXXX XXXX  I sent a payment to XXXX XXXX for XXXX $ in exchange for a used XXXX that he was advertising on XXXX Market place. It all started when I sent a message to XXXX XXXX  who was advertising the XXXX for sale. It was marked at XXXX XXXX I then asked for a video for confirmation that it was working and that everything was in order. We then discussed payment methods, we first tried XXXX XXXX, then cash app, then finally Venmo. Once he had received the payment he blocked me on XXXX and Venmo. I have all the chats saved so if you would like me to send pictures of all the chats I can do that. I then reached out to Venmo and asked if they could stop the payment from going through as it was fraudulent. They told me that there was nothing they could do. I talked to my bank and they recommended closing my account to prevent any transaction from going through. This worked as no money was ever withdrawn from my account. On XX/XX/XXXX I received an email saying my payment did not go through from Venmo due to my bank account being closed. The email then told me that they had paid the scammer anyways and that I owed Venmo XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-09
Company: BILL.COM, LLC
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
My employer has forced me to use Bill.com for direct deposit of funds. Bill.com was linked to XXXX checking account. The XXXX checking account was closed. 

Bill.com would not provide prof of the funds being returned from XXXX XXXX. Trying to work with my employer to re-issue payment has failed. 

Following Bill.com customer service instructions to link XXXX to Bill.com have sadly been incomplete ; leaving out the fact once a new account has been verified, the member has to go in and archive the closed account. Then the newly linked account activate the new account by sliding a selector to an ON position making the new linked account the default for in and out transfers. 

Im totally baffled in their lack communication and instruction. A second paycheck this week lost into oblivion. 

I want the funds owed to me plus penalties. California I am entitled to 3x {$65.00} ( {$190.00} ) for XXXX lip service, failure to provide transaction numbers of funds being returned from XXXX XXXX. Purposely misleading me, stating its some other entities problem but not theirs. 

XX/XX/2019 Payment {$65.00} x 3 = {$190.00} XX/XX/2019 Payment {$65.00} Both are lost. Ive been told I receive a check in the mail but now find them to be utterly untrustworthy. 

I need the lost funds plus penalties issued to me electronically to the linked XXXX account within 10 days or I shall be forced to file in small claims court. 

The forced arbitration clause is not valid for you have not provided an opt-out method. California has struck down forced arbitration the does not allow for a person to opt-out.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17
Company: Granite Edvance Corporation
State: NY
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:
My credit report shows that I have a {$13000.00} student loan through Granite State Management-Dir that do not belong to me. I have file disputes with XXXX XXXX and XXXX through XXXX XXXX and both agencies responses claim it belongs to me. I have never filed for a student loan in the past and now that I intend to start school and may need a loan, this false loan with Granite State Management-Dir is hindering my advancement.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-03
Company: The CMI Group, Inc.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This debt was paid and credit management group promised deletion once paid, still no deletion from none of my credit reports.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-06
Company: EQUIFAX, INC.
State: AL
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:
There are several inaccuracies on my report that I didnt authorize these accounts violating my rights according to the FDCPA. The Credit Reporting agency continues to violate my rights according to 15 USC 1692. " Any bad debt furnished on your reports is ruining your reputation and it's defamation of character '' I am requestion that the credit agencies stop reporting these accounts and violating my right according to the 15 USC 1692.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter, on XX/XX/XXXX from XXXX XXXX XXXX XXXX, stating they are collecting a debt that doesnt belong to me. To the best of my knowledge, I have never had a Capital One credit card, other than being an authorized user on my wifes account ( which I havent been, in around a year ), and her account is in good standing anyway. 

Ive tried calling the number on the letter head, with no success. This is the first time I am even hearing of this situation, but the letter states they have been trying to contact me for years. 

After a little research on this firm, it shows that theyve only been in business since XX/XX/XXXX, so they couldnt have been trying to contact me for years. Also, there are numerous complaints of them being a scam. They use very aggressive tactics, belittle, cuss, and so forth. I will not subject myself to that. 

I do not want this bogus claim to impact me, financially. We are in process of trying to buy a house, and something like this could hurt that.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-13
Company: Atlanticus Services Corporation
State: MN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
my husband was involved in a XXXX XXXX collision and hospitalized. we lost his income for 30 days. Durring that time all I could cover was our mortgage and utilities. I explained the situation and they continued to call me each hour on the hour while I was at work. They demanded to know who my employer was and threatened to call my boss. they told me if I didn't pay they would garnish my wages. I made a payment over the phone totaling {$310.00} so they would leave me alone. Then I had to go to a food shelf because that was all the money me and my husband had. They are a scam. 

when XXXX XXXX offered me their credit card at the register, I thought it was a real XXXX XXXX credit card. Instead I got this card from XXXX. They tripled my payment within 6 months. It is a complete scam. 

I am working through a debt management plan and they refuse to work with me. They told me I should file bankruptcy because unless I do they are going to get their money from me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-06
Company: Comerica
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
An unexpected transaction debited my account on XX/XX/XXXX and caused my account to overdraft. Luckily, I had payment into the account the next day which covered the overdraft. I never received a notice that my account would be charged a fee or that it overdrafted. They have my email, phone number, and address. I logged in on XX/XX/XXXX to online banking and no fee had been charged to the account. I then initiated a transfer from Comerica from an external bank for most of my remaining balance. On XX/XX/XXXX I received a letter that my account had charged a {$34.00} fee for overdrafting. I logged on and found that they did in fact charge me an overdraft fee after hours on XX/XX/XXXX which lead to my next withdrawal to also overdraft. I immediately sent a secure message explaining the situation and requesting my overdrafts be waived, deposited a check to cover the overdraft amount, and initiated an ACH transfer into the account. Comerica took 2 business days to process my check which lead to them charging 3 {$6.00} fees for my account staying overdraft until my ACH transfer arrived. Comerica had disabled my XXXXXXXX ability for being unable to verify my identity and I do not currently have an atm or debit card. There was no way for me to bring my account to positive and avoid those fees. Comerica responded that they do not waive overdraft fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-27
Company: WELLS FARGO & COMPANY
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
On XX/XX/XXXX & XX/XX/XXXX, 2 loan modification was done on our mortgage. We, the occupants never received monies. We have made several calls to Wells Fargo, FHA, & XXXX with no success on how they came up with the total {$72000.00}. Per Wells Fargo, FHA & XXXX they informed us there are 2 liens filed on our property. When taking the XXXX modifications we were informed that the non payment would be applied to the back of our mortgage loan not that we the occupancies would be responsible via a lien. 
Wells Fargo - XXXX-was informed to call FHA because they have no record that we own the above. 
FHA-03/09/2021 & XX/XX/XXXX was informed to callXX/XX/XXXX ( the consultant company XXXX to received the full understanding of the liens. 
XXXX was informed that they would send us an email which I will attached. 
Sending documents below : Wells Fargo XXXX & XXXX statements- will show you that they received the monies but adjusted it off. 
Wells Fargo XXXX - most recent statement Land Records - XXXX & XXXX FHA - XXXX & XXXX Letters XXXX - 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