BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-25
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
venmo refused to release my funds even after a 180 day hold venmo closed my account without nontice as to why and put a freeze on my funds i contacted then on many occassions for the last 6 months in XX/XX/XXXX i got an email stating that my account was closed but with no stated reason and that i will not able to use their service and that the funds that are in the account will be on hold for 180 days and upon the complete of the 180 days i will get an email requesting were to transfer the funds to I have yet to receive that email and i have not been able to get any resolution or reason for then holding my funds for i have submitted all the documentation that was asked of me to verify my Identity and the only answer that i have got is that there was nothing more that can inform of nor could they even give me a reason why they said that this is being handled through a special department and they will contact me in 5 business day via email this has yet to be received they are holding over XXXX XXXX dollars of my funds for no reason I have been using venmo banking for over 2year and i have never had any issue untill now.. the last conversation i had with them was on XX/XX/XXXX and the rep told me that this is under review and that it could take up to a year for this review to be completed but not for sure and yet still no reason was given to me as to why for the hold I have had no issues as far as charge backs, disputes. or even NSF payments or deposits this is unfair and in valid banking i have followed and did all that was requested by venmo i have waited out the 180 days I have followed the policy and proceedures why is it that i cant get my money and why cant they honor and follow their own policy and proceedures their actions that they are doing to the consumers can not be legal for them to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-13
Company: WELLS FARGO & COMPANY
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX I received two emails from Wells Fargo stating that someone had sent money via XXXX to a person I don't know ( Named XXXX XXXX ). There were two transactions and two separate emails for each. 

The first was for {$1.00} at XXXX and the second was for {$250.00} at XXXX I saw the emails about two hours after they were sent and immediately called Wells Fargo to report the fraud and was walked through the process of locking down my account - changing my username and password, some other security measures for phone identification, etc. I was told the fraud case would be opened and I would have my money back in a maximum of 10 business days.

7 business days later I called them to get an update and was told that it was still being investigated, but that I would still have the money back in my account within the 10 business days.

12 business days from when I filed the complaint, I received a letter from Wells Fargo ( with a date of XX/XX/XXXX - two days BEFORE I called for an update and was told it was still being investigated ) telling me my claim was DENIED with them and that they are saying that I authorized the fraudulent transactions.

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 2020-11-18
Company: LoanCare, LLC
State: NV
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
On XX/XX/2020 is when we went onto the forbearance and we are currently in it. They will not defer the payments because it is a VA back loan, and the VA will not defer VA loans. Loan care has just been sending trails of letter stating that I am still under deferment and if I want to stay under deferment let them know. As of XX/XX/2020 I was able to talk with a live rep at this company who stated they could only send me more letters and they do not have a phone number to contact them however, one of the letters were sent stating I have a rep officer who will be handling my claim from here the number and email were never answered of this make believe individual.

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 2020-09-01
Company: EQUIFAX, INC.
State: GA
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:
THESE ACCOUNTS LISTED DO NOT BELONG TO ME SOMEONE USED MY IDENTITY, PHOTO ID AND SOCIAL SECURITY NUMBER TO OPEN THESE FRAUDULENT ACCOUNTS I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX XXXX. On XX/XX/2020, I mailed Equifax, XXXX and XXXX   to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-26
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:
XXXX XXXX {$230.00} XXXX XX/XX/XXXX XXXX XXXX {$4500.00} XX/XX/XXXX XXXX XXXX {$11000.00} XX/XX/XXXX Accounts do not belong to me Also please remove unauthorized inquires XXXX XX/XX/XXXX XXXX XX/XX/XXXX equifax mortgage XXXX  XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX {$230.00} XXXX XX/XX/XXXX XXXX XXXX {$4500.00} XX/XX/XXXX XXXX  XXXX   {$11000.00} XX/XX/XXXX Accounts do not belong to me Also please remove unauthorized inquires XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX   XX/XX/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 2021-08-10
Company: EQUIFAX, INC.
State: GA
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:
Credit reporting agencies are reporting false information on my credit report and is hindering me from obtaining a auto loan, I need help. I really need a car to bet t work. I sent them a letter on XX/XX/2021 and I have gotten no response or correspondence

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-06
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I don't understand why the bureau keeps telling me to send the same documentation that I have already sent to them numerous times. Once again, I am a victim of identity theft and again I have attached the FTC for XXXX XXXX XXXX XXXX, My identification and a copy of my social security 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 2018-07-26
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XX/XX/XXXX, acquired an auto financed by XXXX XXXX, on XX/XX/XXXX, I personally delivered paid in full check for the auto loan account to the bank. Since that day XXXX XXXX, XX/XX/XXXX, and Experian continue reporting the account as open and with balance. After multiples call to the bank and opening tickets for investigation credit agencies continue reporting wrong information. Disputed twice the account in the subject on all three agencies and they keep saying and reporting the account is correct even when I had sent them and they had confirmed the reception of the paid off certification from the bank. Both the bank and Credit Report Agencies are violating the Fair Credit Reporting Act. I Cant keep calling and disputing the account when they are ignoring supported document of the paid account.

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 2021-11-01
Company: ERC
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports.

Despite the multiple previous written requests for ENHANCED RECOVERY COMPAN, the unverified items listed below still remain on my credit report in violation of Federal Law. They failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I need to dispute XXXX charges on my account made with my debit card because the seller never sent the items, I tried to contact the bank to the number provided XXXX in XXXX different days at different times waiting more than one hour and a half each call and nobody answered, also I requested trough the chat a fax number or email to send the dispute but they denied that information. 
Need to dispute this charges : XXXX DEBIT CARD PURCHASE AT XXXX {$47000.00} ( WAS A TABLET ) XXXX DEBIT CARD PURCHASE AT XXXX {$53000.00} ( WAS A TABLET ) XXXX DEBIT CARD PURCHASE AT XXXX {$53000.00} ( WAS A TABLET ) XXXX DEBIT CARD PURCHASE AT XXXX {$64000.00} ( WAS A SMARTPHONE ) XXXX DEBIT CARD PURCHASE AT XXXX {$64000.00} ( WAS A SMARTPHONE ) All those purchases must be delivered before XXXX and didnt arrived, I tried to contact the merchant many times but they never respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-13
Company: Newman, Hesse & Associates, P. A.
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
On XX/XX/XXXX, an amount around {$100.00} was garnished from my paycheck in Missouri. I received no notice of this action and asked my company to send me a copy of the papers they had received. Upon receipt of a copy on XX/XX/XXXX, I called the company, Newman Hesse & Associates PA out of XXXX, KS. The woman who answered the phone asked for the case number and told me the case was for a {$20.00} returned check supposedly written in XXXX and that I was served by tacking a letter to the door of where I had been living at the time. I received no such notice and never saw this debt appear on any of my credit reports. The statute of limitations has expired on any action they could take on this debt. They had a judge in XXXX XXXX KS electronically sign a garnishment order for {$1400.00}. I have not lived in Kansas since XXXX and was certainly findable between XXXX and XXXX, and have no record of this judgment from XXXX or from any year since then if they continually renewed it, which would make no sense for a {$20.00} debt which the company surely wrote off as a loss. As soon as I said I would be contacting an attorney, she immediately said I can no longer speak to them at all and hung up on 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 2021-03-25
Company: Santander Consumer USA Holdings 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: Their investigation did not fix an error on your report

Complaint:
this company is falsely reporting information on my credit file. When I disputed this information it was removed then put back on to my credit report. They did not notify me 5 days before hand by law and i am requesting that this be removed from my credit report!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-04
Company: Bread Financial Holdings, Inc.
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
As of XX/XX/XXXX, I had a balance of {$2700.00} on my XXXX XXXX XXXX XXXX. The balance started with a {$8000.00} promotional purchase of items for my small business 3 years ago. Shortly after the purchase, XXXX XXXX ( the retailer ) ended their relationship with XXXX, so the line of credit seized to exist. I've kept current on payments since the beginning. Then, on XX/XX/XXXX, a finance charge of {$4200.00} appeared on my account. Apparently, as they now state, the balance had to be paid in full by the 3-year mark or I would owe deferred interest on the {$8000.00} at a 29.99 % rate. To add further insult, they claim that for months they have made a bold notice on my statements that this would occur. This company sends me an email every month that does have a link to login ; however, in the email itself is included all financial information anyone would need ... balance, amount due, and due date. Even when logging in to pay, there is no mention of this promotional period ending unless you specifically go to an online statement ... Which, again, nobody would do given that all relavant information is given on every other page and the emails. I called the company to ask for a short extension to allow me to pay the balance ( even a few days ) without being hit with this predatory fee, but multiple people told me there was no chance of that. The newest statement now tells me that if I pay the minimum payments ( which is currently $ XXXXmo ) the payoff will occur in 22 years and that I'll be paying {$25000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10
Company: HW Holding, Inc
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
The account is more than 7 years old from a lease that expired/terminated in XXXX of 2014 from ex-wife and my name was to be removed from lease contract upon expiration of same. Per Fair Debt Collection Act the account should no longer be valid and/or in collection. Account lease terminated XX/XX/2014 however I keep getting collection statements from Hunter Warfield

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-20
Company: Experian Information Solutions Inc.
State: MI
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:
Checking over my report today and I noticed some inquires Im not familiar with I tried numerous amount of times to get some information on it but its been passed 30 days and I have not gotten any response please remove this inaccurate information : XX/XX/XXXX-XX/XX/XXXX Experian XXXX XXXX XXXX Experian XXXX XX/XX/XXXX experian XXXX XX/XX/XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 non-monetary relief
Consumer complaint received 2019-08-13
Company: CITIBANK, N.A.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I enrolled in the Citi Priority Checking Account promotion that stated " open an new regular Checking account in the Citi Priority Account package by XX/XX/2019 and meet the following requirements : Within 60 days after account opening, complete one or more qualifying bill payments for two consecutive calendar months and spend {$750.00} required minimum amount on purchases using your Citibank debit card in order to receive XXXX XXXX XXXX miles. '' After I met the requirements, I called Citibank and confirmed with the phone representatives that I satisfied the requirements, and they affirmed that I did and would have to wait 60 days to get my account opening bonus. I met the requirements within the time allotted and have waited for the required time to pass and have not received my XXXX XXXX XXXX miles. It has been months now and I have called on multiple occasions and filed inquires to have this resolved, but to no avail. I am now being told that my {$750.00} debit card transaction does not qualify because Citi is not showing my pin being used. This was not outlined in the terms listed above. I have met the terms of the promotion from my side and would appreciate the miles to be deposited in my account.

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 2018-04-04
Company: WELLS FARGO & COMPANY
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
Wells Fargo Home Mortgage Has a Correction Agreement Limited Power Of Attorney that is not legally stamp nor sign by a Notary which is left blank. There is on the page sent to me by Wells Fargo Home Mortgage limited certificate attach to what page or what document there is no such page or no reference to what page or what document it is attach to. Wells Fargo Home Mortgage just sent this document after years and 7 months of filing with CFPB requesting documents. The Correction Agreement Limited Power Of attorney is not legally binding due to errors no Notary stamp nor sign by the Notary. As to the California All Purpose Certificate of Acknowledgement document is not my signature and is forged as if it is these to documents that Wells Fargo Mortgage is stating there both in error as well as forged any one can see that the California All Purpose Certificate of Acknowledgement is filled in and sign by the same person. The Correction Agreement Limited Power of Attorney has a total different signature that is the CAPC to make the loan legally binding. That document is not my signature nor sign by me to make the loan legal and as to the Correction Agreement Limited Power of Attorney is not notarized by no notary nor stamp by no notary which both documents are not legally binding there was forgery by the notary in which I have had file with the Secretary of state to the notary that filed and sign my name and said I personal appeared if I was there why is the Correction Agreement Limited Power of Attorney not sign by the notary and stamp and why did some one forge my name and said I personally appeared and sign any one can see that the documents I sign is all the same and this document has been forged as well this is not no legal binding contract. 
Wells Fargo Home Mortgage has yet to provide from a document place that the CAPC of Acknowledgement is my signature and has not yet provided no such proof to make this loan legal and the instrument a legally binding contract. There has been forged documents by the Notary/ Wells Fargo Home Mortgage XXXX Now that this last document was sent I can pursue legal matters and legal action on Wells Fargo Home Mortgage

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 2018-04-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
I tried to close out my account on XX/XX/2018, when the bank advised me that everything had to be paid out before closure. I said okay, but I need all the NSF fees and any related fees removed as I had added a STOP payment and STOP ACH which means nobody should be allowed to take money out, therefore not causing me to have any type of fees. The bank failed to fulfill that and I have been charged fees ever since and I have not used the account in over three months. I advised them I refuse to pay unless all the fees are taken care of. I spoke to XXXX over the phone and she stated she submitted a ticket and all fees should be reversed as soon as possible, this never happened. I went to a branch and they state to just keep calling, I don't have time for that. I was told all fees should be reversed and that my account could be closed once I pay off the balance. I want to close my account once the fees get taken care of.

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