BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-20
Company: Paypal Holdings, Inc
State: ID
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/2020 I received a message in my Venmo app for what appeared to be a money request from my wife XXXX XXXX. What it really was, was a scammer who had cloned her account and had me send them money pretending to be my wife. Once discovered, minutes to an hour later, it was brought to the attention of Venmo customer service. Buy this time the scammer deleted the profile pic and changed their name to XXXX XXXX. They said that it was essentially my fault. That even though this person had copied everything from her picture down to the name that I was supposed to know that I was being scammed on my own. They offer no refund or resolution of any type other than I need to be more careful next time. I find it hard to believe that a site that is linked to so many peoples bank accounts and private information that they are allowed such complacency in fraud. Venmo harbors these criminals and takes absolutely no steps to resolve the fraud once its occurred. Their site is completely unsafe and if they charge a fee when you withdraw your money, one would be reasonable to think that money should be put towards protecting the consumer when fraud occurs. I realize I likely lost my money forever that day, that is not why I am writing this. I am writing it because there are likely thousands more like me that were scammed and Venmo takes no steps to correct or protect their consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
In XXXX of 2017 my payment did not go through when it was on auto bill. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment. I now can not get a mortgage because of this mark on my credit and the company will not help me with this unfair situation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-14
Company: Choice Recovery, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Choice Recovery INC balance {$42.00} opened XX/XX/201XXXX 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 2020-12-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
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:
In XX/XX/2020 I owed {$27.00} on my Bank of America credit card. I paid them. My balance was then XXXX. They then charged me this amount again and debited this from my bank account. They had no authorization at no time ever to do so. I havent used the card since then. I tried desperately to correct this with the organization. I've made phone calls, left XXXX messages, plus sent two or three emails -- all of owhich were ignored. On two calls, they admit their fault. Bank of America still didnt remove the charge. I filed a XXXX  complaint ( which they refused to respond to ) I disputed the {$27.00} charge with my own bank and it was settled in my favor. Interestingly, it also no longer appears on my Bank of America statements -- just the {$25.00} -- now {$26.00} charge. 

Now, Bank of America charging me {$25.00} for a returned check fee. Then they tacked on a {$1.00} late fee because I refused to pay the {$25.00}. Thing with them they are non-responsive and unwilling to assist the customer and I owe them nothing.

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 2020-12-11
Company: KEYCORP
State: IN
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:
The bank was returning charges and impossing {$38.00} returned charge fee multiple time throughout a month. This is after I had elected to have overdraft protection, which they showed j that I didn't even though on my online banking app I did. Further these returns kept the bank from being able to give me details on these attrmpted charges which made it impossible for me to attempt to verify the validity of them, which upon investigation were not authorized instead fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-09
Company: BARCLAYS BANK DELAWARE
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Went to make a purchase at XXXX XXXX XXXX guy told me to answer a couple questions on the kiosk and asked if I want to credit card I said no I got a credit card in the mail a week later did not want to credit card from XXXX XXXX XXXX did not ask for a credit card actually paid cash for this transaction was just trying to purchase some magazines they did a hard inquiry on my credit report and I do n't plan on using this card and I never wanted I called after I left the store to make sure I was n't getting a credit card and they informed me I was n't a week later here I am with a credit card for 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 2023-01-25
Company: TrueAccord Corp.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The debt collector ; True Accord XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX States that I owe a debt dollar amount for a Credit Card Bill I never signed any contract to make any payments or anything agreement with TRUE ACCORD This is a debt that needs to be removed immediately from my credit report due to failure to provide hard evidence that I owe True Accord for a debt that I never authorized to use my personal information its illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I was a victim of identity fraud. I filed a police report and was told all bureaus would remove the trade-line. As of today only XXXX XXXX has removed the account. I am in the middle of buying a home and this will effect my loan amount and the rate! 
CREDITOR - ALERT! XXXX XXXX XXXX OF XXXX DATE OPENED XXXX LAST XXXX REPORTED XXXX ACCOUNT TYPE Installment XXXX XXXX. 
HIGH CREDIT XXXX BALANCE XXXX PAST DUE AMOUNT XXXX CURRENT RATING XXXX DATE LAST ACTIVE XXXX PAY PATTERN XXXX XXXX PAY PATTERN START DATE XXXX ADVERSE DATES XXXX XXXX XXXX XXXX XXXX SOURCE XPN EFX MONTHLY PAYMENT TERMS 72 MONTHLY MONTHS REVIEWED XXXX XXXX LOAN TYPE : Automobile HIT LEVEL : XXXX XXXX COMMENTS : ACCOUNT DELINQUENT 180 DAYS PAST DUE DATE ; LAST REPORTED DELINQUENCIES : XXXX ; DATE FIRST MAJOR DELINQUENCY REPORTED : XX/XX/2018 ; FIXED RATE ; CHARGED OFF ACCOUNT ; UNPAID BALANCE REPORTED AS A LOSS BY CREDIT GRANTOR ; TRANSFERRED TO RECOVERY ; ADVERSE DATES LEGEND : R=MOST RECENT H=HIGHEST P=PRIOR

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 2020-12-11
Company: Continental Finance Company, LLC
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
I received a pair of emails on XX/XX/XXXX from XXXX XXXX and XXXX XXXX XXXX XXXX  congratulating me on my new credit cards ( they were in my Spam folder ). I had not signed up for these cards ( I received a similar congratulations on XX/XX/XXXX after I signed up for what turned out to be a fake job website that forced you to apply for a credit card ). This week I received two cards from both banks, again unrequested. I noticed that one of the credit bureaus has an unauthorized hit from Continental Finance.

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 2020-11-10
Company: Shellpoint Partners, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I purchased a brand new home in XX/XX/1996. I made a {$20000.00} down payment mortgage balance was {$72000.00}. The loan has been transferd from XXXX, XXXX XXXX, XXXX, Ditech, NewRez, Shellpoint. 
XXXX forced me into Making Homes Affordable when the XXXX  Oil Spill hit. I lost my {$80000.00} job and was only 2 months behind. When I tried to call in my 3 months worth of payments they would not accept the money. I have no idea how much money was added to the principal including interest during this time period ... because no one can produce it. Then when I recovered I stared making additional principal payments to Ditech ... XXXXthey really socked it to me by putting the payments in an " UNAPPLIED BALANCE '' account in the amount of {$13000.00} +. After 1 year of telephone calls to Ditech to correct their mistake they file bankruptcy. Now NewRez says they can't correct previous service providers mistakes and I still owe another 40 years worth of payments at $ XXXX. 
I have been dealing with this for 15 years ... the house should be paid off by now. I will be XXXX in XXXX, no one will correct this mistake. PLEASE HELP!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23
Company: AMERICA FIRST FEDERAL CREDIT UNION
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
America First Credit Union stated I opened two accounts with them. A loan and credit card. I had not. I asked them to send me original documents with my wet ink signature proving that I opened these accounts and gave authorization to pull my credit and I have not received them. I have requested six times for this information. They have not responded.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-04
Company: LAKEVIEW LOAN SERVICING, LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Lakeview Loan Servicing out of XXXX XXXX Florida is the mortgage holder on my home. They have not paid the property taxes to this date. I became aware of this when I began getting delinquent tax notices from the City, School and County. I called Lakeview and sent them copies of these notices in XXXX. Since that time I have received notices from the tax attorneys for each taxing entity and every time I call Lakeview Loan Servicing, they tell me it is under review. I have been put on hold for up to 1 hour on occasion with each person telling me the same thing, it is under review. Finally, I was told a check would be overnighted to the taxing entities on XX/XX/XXXX. After checking with them today, they have received a check. I called again today, XX/XX/2020. and have been on hold for one hour and was told the same thing, its under review. 

I am not sure what remedy you can do other than hold them accountable for paying the taxing entities as they should. 

Thanks

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 2020-11-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23
Company: PRIMARY RESIDENTIAL MORTGAGE
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I submitted loan application docs Primary Residential Mortgage, Inc.NMLS # XXXX, and NMLS # XXXX. 

After looking over the docs and paystubs we were told our loan would be approved and we were told to pay for our appraisal {$580.00} asap, as the closing date was soon, we advised our loan officer NMLS # XXXX, that my husband is working full time hours currently and will be full time soon. On the paychecks that were submitted it clearly says my husband is seasonal employee and not yet full time. This was pointed out by the loan officer and he said it was fine to more forward. We then paid for appraisal and earnest money, 2 days before closing the loan officer got back with us and said, that the loan guidelines were changed by the FHA govt, and that he needed my husband to be full time or the loan wont get approved, he said he can do a no doc loan if we came up with a fake company to get him approved, we did not do this, and said there is nothing we can do, you told us we will be approved and its 2 days before closing, he then admitted multiple times that this was his fault., and he should have caught this long time ago, without costing us time and money in pre moving costs and appraisal cost etc. He then told us that the apprisal cost will be refunded do to this being their fault, he also said this to my realtor agent as well. 

Now he is emailing us saying he cant refund it, due to time invested.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
I submitted a request for a reinvestigation to remove negative items on X/XX/17 from my credit report from transunion, they responded and stated that these items were deleted but they are still showing on my transunion credit report. It is important that these items are removed immediately as they do not belong to me.

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 2023-02-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b.

See the documents attached.

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 2020-12-11
Company: CITIBANK, N.A.
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Bounced checks or returned payments

Complaint:
On XX/XX/XXXX, I submitted two payments from my Citi account to my credit card companies. One was {$35.00}, the other was {$50.00}. According to both the mobile and desktop site, I had sufficient funds available for the transactions. 

However, while other transactions that were completed later were processed, both payments were returned for insufficient funds. I then tried to resubmit the payments on XX/XX/XXXX, and was told that those payments would be returned, as well. 

The representative told me that Citi presents payments in a hierarchy, which sounds incredibly problematic. Citi has no right to withhold my money to pick and choose to pay items as it sees fit. Citi also has no right to show a different account balance in real time than it shows historically. Citi must pay items in the order in which they are presented, and reflect the account balance accurately to the customer. 

The representative also advised me to use their bill pay system to avoid this situation in the future. The customer should not be forced to use a service they dont need in order to avoid Citis hierarchy. 

Citi consistently withholds funds to credit card issuers, which has resulted in higher interest rates and financial hardship for me. Information on Citis online and mobile platforms always conflict with information the representatives give by phone. This is dishonest business, and Citi needs to be held accountable.

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 2020-12-11
Company: F.H. Cann & Associates, Inc.
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
A representative by the name of XXXX XXXX from FHCANN & Assoc. Called and stated " if you don't want to deal with this account ( debt ), then we will call your relatives and ask them about it ''

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
Ex husband failed to refinance his truck to his name. My name was left on the loan. He made all the payments ( automatic from his account ) on time except the pay off amount, {$58.00} and a payment in XX/XX/XXXX of {$330.00} that I paid. I received a call from the loan company XXXX XXXX XXXX XXXX at the time and paid it to save my credit. It is in the divorce decree that the truck goes to him. I did not know that I could have put in a motion to basically make him refinance and get my name off. I know now : ( The present company XXXX XXXX XXXX never sent notification until it was 30 days late. 
I called XXXX to get info on how to dispute this. Attached is the docs I sent to them. On XX/XX/XXXX, they sent me a letter saying they reviewed it and unable to process to remove as an act of " Goodwill ''. I am not asking for goodwill, I am asking for what is fair. 
They then explained in the letter how I could submit a dispute to the same place I just submitting my info to. I am thoroughly confused. Letter attached.

My credit score was XXXX and dropped 91 points. I would gladly share my credit report to show that missing a payment is not my pattern. 
I submitted the same information to Experian - Report # XXXX and they are now reporting another 30 days late for XXXX XXXX pay off was XX/XX/XXXX they updated it XXXX XXXX. I will not give up on this. I worked too hard to achieve good credit and for {$57.00} this happens. I can not give up on my good credit standing and what is fair to 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 2018-03-03
Company: Capio Partners, LLC
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have been a vicim of id theft ive never been to this hospital nore is this my bill I have never recived and bill from them to dispute charges just showed up on my credit report and i called they couldnt provide me any informations about what this was or any treatment given anything.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
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 have a checking account for a business at Bank Of America, XXXX XX/XX/XXXX I deposited 3 different checks for XXXX each from the same person with three different dates. The check were from XXXX XXXX and they were dates as follows : -check numer XXXX for the amount of {$150.00} dated XX/XX/XXXX -check number XXXX for the amount of {$150.00} dated XX/XX/XXXX -check number XXXX for the amount of {$150.00} dated XX/XX/XXXX On the XXXX of XXXX my bank Bank Of America pulled out {$150.00} from my account claiming that a check was double deposited. 
I filed several claims at several dates and the answer was that they can '' t fix the issue and I myself have to contact XXXX XXXX and claim the money.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02
Company: The CMI Group, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a collection notice for {$200.00} for a debt that is not mine, from a company I have never had contact with. I did contact XXXX XXXX and created a case disputing the fee. I have had my current energy company for over 14 years and prior to today have never heard of XXXX XXXX. I believe the letter from CMI Services LP /Credit Management LP is fraudulent and are attempting to extort money by falsely claiming we have a debt.

I am filing a complaint against CMI Services LP /Credit Management LP for the above stated reasons.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief