BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-21
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I am a victim of identity theft -My PayPal Debit/Cash Card and/or Account information was used for unauthorized transactions on XX/XX/XXXX and XX/XX/XXXX of XXXX ( my card was not lost or stolen ) which totaled nearly {$1000.00}. 

I contacted PayPal Customer Service on XX/XX/XXXX and was advised to wait until the charges were processed and then individually dispute each one. 

During the dispute process, I noticed several more charges that were not listed in my Account Activity. - I downloaded my Account Transaction History and verified the unauthorized transactions ( including the cloaked charges ). 

I am unable to dispute the cloaked charges ( which are half of the unauthorized charges ). 

Transaction IDs on my Account Activity section do not match up with Transaction IDs in Account History. 

In Transaction History ( not Account Activity ) a majority of Income deposits were marked from PayPal Inc. instead of original sources ( FL DEO and XXXX  XXXX ). 

I have filed a report with the FTC and the local police, contacted the credit bureaus, and XXXX ( as I pay them to monitor my account and Identity ). - I will be hiring a professional accountant to go through all of my PayPal Transaction History. 

I am enclosing : Account Transaction History for XXXX and XXXX of this year. 

Proof of Cloaked Transactions. 

Proof of Transaction IDs not being correct. 

Copy of Report to FTC ( which contains local police report information ). 

[ Note : This entire process regarding PayPal and Identity Theft, has been absolutely draining, time consuming, and has caused a lot of financial and emotional stress. I have been having to use Credit Cards via another bank due to the fraudulent activity, which has had a negative impact on my Credit Report - In which in XXXX I spent a lot of time repairing and improving- only to be back at square one. ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-05
Company: Ocwen Financial Corporation
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
spoke with my mortgage lender and I was informed I was approved for a mortgage modification. I was also told I had been approved for a mortgage modification and my 1st payment was due XX/XX/2019. I have not received a letter saying I was approved for the modification or when the first trial payment is due. 
The mortgage company has my home in foreclosure and I have not received any mail.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-21
Company: DISCOVER BANK
State: GA
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:
Also attached this as pdf for better readability : Item No. 1. UNFAIR : Credit account mentioned above in reference is closed. 

Detail : Your Company has reported since the open of my Discover account, to the credit bureaus, that my account is in good standing paid, no balance to owe, excellent payment history. 

XX/XX/XXXX During my call to your support center, your representative told me that your account is good standing and keep using it. 

XX/XX/XXXX I tried to use my discover card and for the small transaction of XXXX dollar and it was declined. I did not understand the reason. This very day, I called your support center to find out the reason of the declined transaction. Your representative told me Oh we closed your account. I was surprised to learn that, as I was advised in XX/XX/XXXX that my account is in good standing and I can continue to use it. I expressed my concern and that I did not ask to close the account. 
This very representative advised me to go ahead and open up another account, with assurance tone of voice. I followed her instructions and proceeded. In next minute I was advised that no we cant proceed with new card and I cant have the credit card. 

XX/XX/XXXX I received statement I have credit balance of {$17.00}. 

XX/XX/XXXX I was notified by the bureau of significant decrease in my credit score Item No. 2. UNFAIR : Hard Inquiry by your representative on XX/XX/XXXX, further dropped my credit. This action was NOT required. As the situation is UNFAIRLY handled by your company and I was misled. 
Item No. 3. INACCURATE : Credit report has comment on closure of Discover credit Account closed at consumer 's request I have never called in and did not act to close this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-14
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
send a letter and email and a fax to XXXX XXXX XXXX XXXX for Validation of debt on the XX/XX/XXXX and they still call my house and still reporting on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Hello. On XX/XX/XXXX XXXX my phone was accessed without my knowledge or permission by someone I am unfamiliar with. They were able to grab my phone without my knowledge and access my chase app and initiate XXXX different XXXX transfers to accounts I have never made any payments to in the past totaling {$800.00}. I have contacted chase thinking this will be no issue to have this reversed and have my money returned. Chase informed me they are not responsible for any XXXX fraud and they can not provide me with a credit. I live paycheck to paycheck and am at a lost for what to do as {$800.00} was my entire balance. I am currently scraping funds together and borrowing money just to get by. This isnt right and I expected my bank to be able to rectify the situation. I also filed a police report as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-29
Company: National Credit Adjusters, LLC
State: AL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I got a Loan for {$500.00} from XXXX XXXX in XXXX. It was not totally paid. In XXXX, NCA put it in my credit report that it was opened in XXXX even though it clearly shows that the last pymt was in XXXX. They did this because the seven year reporting period was expiring. So now it shows as a new debt that is in collection and will negatively affect my credit for seven additional years.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-22
Company: WESTERN UNION COMPANY, THE
State: CT
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Wrong amount charged or received

Complaint:
Hello CFPB, Thank you for your time to taking care of it. 

This is XXXX XXXX, My last social is XXXX ( i also have other names as XXXX XXXX, XXXX XXXX XXXX, and XXXX ). 

I have been living in the USA since 2000. I am a US citizen. I was sending money to my family, friends using western union money services. I recently reached out to western to get the details of money I sent from the year 2000 to now but western declined through my email requests. I contacted western union at XXXX several times and all my calls routed or attempted by abroad ( XXXX, XXXX or some other country I dont even know that exists and also representatives are very rude responding customers ) representatives and they even dont know the USA geography and simply denied my request many times and declined to transfer my calls to US customer support saying that there is no US customer support available.

The western union company has headquarters based in the USA but all poor customer support from abroad? What privacy we have as an US citizen? 

During my recent discussions with my family members and friends, I came to know that some of the recipients either received less than the promised conversion rates or never received at all. I need the complete details from 2000 to now for reconciliation. Western simply declined my tax paid money and I paid thousands so far for as a fee. I have every right as a US citizen to get my information. I am sure I am entitled to my complete details as requested. I am a middle-class employee and this money is my hard-earned. 

Please take this as my written complaint to get my info and help me. I sent Money where i lived from XXXX, XXXX, XXXX  and other places. 

I will pay a minimal fee if I required to pay to get my required info. 

People I sent money through money western union : 1.XXXX XXXX XXXX XXXX 2.XXXX XXXX, XXXX 3.XXXX , XXXX 4.XXXX XXXX, XXXX 5. Any others I sent. 

Sincerely, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
Wells Fargo opened a credit card with {$35000.00} line of credit without my knowledge or approval as far back as 2004 ( when I was XXXX years old ) the credit card currently has a debt owed of {$10000.00} and is being used and paid to varying degree every single month. Wells Fargo will not give me access to the account, and will not close it or give me access to it or information about it. I became aware of the issue with XXXX. It has negatively effecting my credit score for almost 20 years. I am not a Wells Fargo client.

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 2022-10-04
Company: EQUIFAX, INC.
State: TN
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 FRAUDULENT ACCOUNTS ON MY CREDIT REPORTS WHICH NEED TO BE REMOVED IMMEDIATELY

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-26
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:
There are several accounts reporting on my credit file that does not belong to me. I have sent the credit agencies letters to dispute these accounts. The listed accounts are reporting as a result of identity theft. Please remove the following accounts and incorrect information from my credit file : Incorrect Name : XXXX XXXX ( Equifax ) Incorrect Addresses : XXXX XXXX XXXX, XXXX XXXX XXXX, ( XXXX & XXXX ) Identity Theft Account : XXXX XXXX XXXX XXXX ( XXXX   & XXXX ) Identity Theft Account : XXXX XXXX XXXX ( XXXX & XXXX ) Inquiries : XXXX XXXX  XXXX ( 2 Times ), XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX ( 3 Times ), XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-19
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have made arrangements through XXXX XXXX XXXX attorney to settle my account in full with a XXXX balance and the company refuses to report the information to the credit bureau accurately. 

Instead of reporting that the account is paid with a zero balance to all 3 bureaus. They only took off the XXXX settlement off the balance and continue to report that I am not making payments negatively effecting my credit score. 

I have emails from XXXX XXXX XXXX attorney as well as all other documentation that we agreed before payment was made. 

This has been an utter nightmare and I cant seem to get this 8 year old debt off of my credit report as well.

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 2020-08-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have a credit card with Bank of America. I scheduled an auto-payment and received a confirmation that payment would be made on XX/XX/XXXX. However, I then changed the auto-payment options from minimum payment to the full balance due. On XX/XX/XXXX, I notice no payment had been made and called Bank of America. They explain that changing any auto-payment option cancels that month 's payment entirely, with no alert or notification while continuing to say that auto-payment is set up correctly. 

Essentially, they have intentionally set up their system to dupe customers into thinking auto-payment is engaged, causing them to miss payment dates, and to extract late payment fees.

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 2018-11-14
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hello, This is a direct dispute of credit reporting. This is not a request for debt validation/verification under FDCPA 809 ( b ).

After reviewing my credit report I have found that XXXX XXXX purchased a debt from XXXX XXXX that I do not owe. Midland is reporting an inaccurate account and information to the credit reporting agencies regarding my account. I have disputed the debt multiple times to no avail. I have sent multiple letters of debt validation and have not received any definitive proof. I did not open these accounts that were purchased. XXXX XXXX is not reporting on any of my credit reports across any agency. I never signed anything or submitted my information to go into contract with either of these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-14
Company: WELLS FARGO & COMPANY
State: NC
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 have my social security check of {$1600.00} directly deposited into my checking account at Wells Fargo Bank on the 4th Wednesday of every month. My last deposit was on XX/XX/18. On XX/XX/18 Wells Fargo showed my balance as {$570.00}. As of XX/XX/18 they show my balance as - {$310.00}, According to Wells Fargo, I've spent a total of {$1900.00} since my last deposit. 
I live in a small apartment that rents for $ XXXX/month. I have not been able to pay this months rent because of insufficient funds. 
I have a beat-up XXXX XXXX XXXX that is paid for. 
I receive all my medications from the VA for {$5.00} co-pay each. 
I just had XXXX at the VA in XXXX, XXXX to remove a XXXX XXXX on my XXXX, that my VA physician observed at my last bi-yearly examination. 
I owe the VA {$200.00} for the consult and XXXX, that I am unable to pay. 
I am on Medicare since I am XXXX y/o. 80 % of my medical bills are covered. 
I pay XXXX XXXX XXXX $ XXXX/month that covers the cost of the hospital room charges. I have 1 cell phone with service at consumer cellular for $ XXXXmonth. 
I don't drink any alchoholic beverages. 
I don't smoke or otherwise consume any tobacco products or any legal or illegal harmful substances. 
I make all my cleaning supplies at home. 
I don't eat out at any restaurants and cook all my own meals. 
I have an Auto Insurance policy with XXXX for $ XXXXmonth. They refuse to supply me with a proof of insurance card after multiple requests. If I am in any motor accident, I have no way to prove I am insured. 
I was a XXXX  for the XXXX XXXX for XXXX XXXX XXXX   XXXX  located in XXXX, XXXX Their main XXXX  office was located in XXXX , where I was employed. The project I was hired for at XXXX was the {$750.00} XXXX XXXX XXXX headquarters in XXXX, XXXX, I have been gainfully employed since I was XXXX y/o, XXXX XXXX for XXXX  XXXX XXXX XXXX. 
I am personally insulted, to have worked all my adult life and served my country for 6 years during the XXXX conflict ( a war made unpopular by those who refused to serve and treasonous traitors like XXXX XXXXa ), and then to be robbed of my well-earned retirement benifits by an unscrupulous banking institution like Wells Fargo. 
The photocopies I made from WFs posted transactions of my checking and savings account that prove their FRAUD and feduciary malfeasance beyond any shadow of a doubt are too large a file for your system, I will gladly mail copies of these files to you if required.

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 2018-03-29
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Account status incorrect

Complaint:
Auto loan XXXX XXXX XXXX XXXX account was open. 
Driver license and social card was stolen someone used information to open up bank accounts, XXXX XXXX, XXXX, XXXX XXXX. Cellular phone companies XXXX, XXXX XXXX XXXX and many other pay day loans online

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-22
Company: EQUIFAX, INC.
State: MS
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I am not going to ask Equifax again to leave my credit score alone. Since XXXX/XXXX/2015, they have deducted XXXX more points off of my credit. The only change to my credit was on XXXX XXXX, 2015, I paid XXXX XXXX XXXX and XXXX in full. Yes, both of those accounts has been XXXX. I do n't know why Equifax is ruining my credit, or who is telling these people to ruin my credit, someone is behind all of this and they will be going to jail when the truth comes out concerning the XXXX XXXX XXXX. I guess they are the ones behind ruining my credit in order for me not to qualify for an FHA Loan, however, I have contacted the State Attorney Generals Office, and I have left message for the XXXX Attorney General XXXX XXXX in order to resolve this problem. Equifax is delibertly ruining my credit due to the XXXX. If these people dont stop, I will find there physical location and I will go there and handle my business myself. These people has deducted XXXX points off of my credit in less than a month, for no other reason other than I filed a complaint against them for discrimination. The deducted XXXX more points off of my credit yesterday. If, someone from this Consumer Finance Office does not tell Equifax to leave my credit alone, and place my XXXX points back on my credit score, I am going to Equifax XXXX. 
XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-22
Company: MIDFIRST BANK
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Midland mortgage is reporting differently to all three bureaus, XXXX credit and XXXX midland reports me being late XXXX XXXX XXXX and XX/XX/XXXX. At XXXX, midland reported XXXX and XX/XX/XXXX as being late. I was late in XX/XX/XXXX only. I submitted a letter to midland mortgage from the post office mid XXXX and it was corrected yet they turned right back on and reversed it. I called XX/XX/XXXX and a rep advised that midland has me late for XXXX XXXX XXXX XXXX XXXX and XX/XX/XXXX which is false

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 2021-03-28
Company: JPMORGAN CHASE & CO.
State: NY
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage

Complaint:
I am trying to sell my house and Chase bank has 3 liens filed with county clerk. I have one HELOC that was amended in XXXX the first lien refers to a XXXX equity loan that was paid off by the XXXX HELOC that they modified in XXXX. I submitted documents showing the payoff of the XXXX loan and the modification of the XXXX loan. there should be one lien only which will be paid at closing. they are ignoring repeated requests for the documents only to respond with emails stating it is being worked on. no person is signing the emails, no number other than customer service email and phone number and blank emails stating it is being worked on. 

the house sits empty and I am paying mortgage, property tax, utilities at the house along with rent and closing is held up 2 months now. I called then submitted everything XXXX. I found 20 year old documents to prove these liens should not exist and were resolved so that should mean some kind of shortening of their " research ''. I can not imagine if I did not have those old paper documents but that I do have them makes this more of a problem. their own bank failed to file the resolutions and I have sent everything. they do not handle anything and they are at fault for not filing the documents to begin with and then not handle after I sent proof. I may lose this deal for the sale because I cant get my title and I am unable to sustain paying for two homes.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28
Company: CITIBANK, N.A.
State: IL
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:
I did not authorize anyone employed by these companies to make any inquiries and view my credit report. Fraudulent Activities has been reported. 

XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Sears/CBNA XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/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