BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-04-24
Company: WELLS FARGO & COMPANY
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Ref  : Complaint Number   XXXX   Wells Fargo Home Mort gage provided an answer to above captioned complaint, but did not address the complaint.     My complaint invo lved Wells Fargo 's alleged fr aud in forcing me under threat of foreclosure to take an ARM with sharply increasing interest rates to replace a  XXXX   XXXX   XXXX   while a federal law suit addressing  XXXX  was in the process of being settled. The settlement terms were announced shortly after I was pressured into signing the agreement to t ake the ARM. One of the settlement terms was the exclusion of borrowers who received a subsequent mortgage. I allege that this was a deliberate act to exclude certain borrowers from the benefits of the settlement. Subsequently I received notice from the settlement administrators that I was eligible for a mortgage modification ( MAP2R ) which eliminated accrued interest and reduced the principal. I was told by the bank that I was not eligible. My home has been foreclosed and a sheriff 's sa le is imminent. The bank refused to discuss a modification of any sort except a HAMP modification for which I am ineligible.     I believe fraud is a criminal act and should involve a criminal investigation.

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 2018-07-31
Company: JPMORGAN CHASE & CO.
State: WI
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 had several bank accounts and credit cards with Chase Bank, all of them were set up on estatements. In XX/XX/2018 I noticed a {$3000.00} withdrawal from my savings account and did not recognize it. I immediately called Chase and was told that my online banking was compromised and they needed to close down my checking, savings, and online banking profile. I was told the credit cards were fine and did not need to shut those down. They gave me a list of things to do to regain access to my online banking ( like get updated anti virus software ) and was told I would be getting paper statements for the credit cards going forward.

In XX/XX/2018 I had not received a paper statement for one my credit cards ( Card XXXX  ), but I knew it had a ~ $ 3k balance. I called to make a payment by phone and paid {$1500.00} and asked to have paper statements sent to me since I had not received a statement for this card. I was told they would send that.

In XX/XX/2018 I still had not received a paper statements for card XXXX. I called the automated line for the bank and made the statment balance in full ( ~ {$1500.00} ).

At the end of XX/XX/2018 I was finally able to get everything completed to satisfy Chase 's online banking team and they signed my up for online banking again.

In XX/XX/2018 I received an alert saying that I had a 30+ day late payment on my Chase card # XXXX. I checked my online banking and all credit cards were up to date. I called Chase and they told me that card # XXXX was " hidden '' from my online banking and they linked it to the account. In XX/XX/XXXX I received a {$19.00} interest charge after I paid the statement balance in full. Since I did not receive statements after that date and the card was removed from my online banking, I did not know that it still had a balance. After contacting Chase they told me they could not remove the late payment from my credit bureau because technically they were sending me online statements still ( even though I did not have an online profile ).

So, to sum it up- from XX/XX/2018 to XX/XX/2018 Chase did not send me statements for my card # XXXX, even after requesting repeatedly to send them to me. Once Chase granted me online access, that card was not on my online banking profile. During this time they did not send me any emails, call me, or mail me notifications.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-04-24
Company: Paypal Holdings, Inc
State: DE
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Paypal has sent me to collections over two cases that were filed  against me since  XXXX   XXXX . The total is {$680.00}. First of all they have allowed individuals to open cases past their own guidelines. According to  Paypal, a case must be opened within 120 days. Both cases were well over 120 days. Unfortunately one of the cases I could n't find tracking info for so I figured I will have to pay the {$450.00} since I could  n't locate tracking. The other case was for {$200.00} and I provided them tracking info off  XXXX  showing the package was shipped. Because the package was shipped over a year ago,  XXXX  tracking was n't working correctly. Now they have sent me to collections and wo n't even speak to me. My calls go directly to the collection agency which basically insinuates this is an old debt when it clearly is n't even  two months old. Today I get an email that an individual is opening a case against me from a transactio n dated  XXXX / XXXX / XXXX  which is again well over a year old. I try to login to m y Paypal account and now ca n't even log in. This is a HUGE problem. How can I fight my case if they wo n't speak to me or allow me to login to provide tracking info. Another issue is I have a Paypal credit account which is basically their credit card which I also ca n't log on to and I use this to make my payments online. I do n't know where to turn but I f eel as though I 'm being treated very unfairly.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-24
Company: DISCOVER BANK
State: OK
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Told you not to respond to a lawsuit they filed against you

Complaint:
Prior to the   XXXX   recession, I was issued  a Discover Card w ith a limit around  XXXX . I was employed at the time, able to make payments. A week or  two afte r receiving the card, I received a call from a telemarketer selling Discover Bank 's protection policy. I was reluctant until the lady started going through all the benefits. I drug my feet, then she said that if I ever lost my job, through no fault of mine,  That  Discover Bank would pay off the balance owed on the card. In   XXXX   I was let go from the company I worked for due to the economy. I was also having health issues which prevented me from obtaining further employment, which at the  time20 %  of  XXXX  was out of work. I filed for Social Security  XXXX  which took over 3 years to complete.  XXXX  is my only sores of income. I currently live on the   XXXX   XXXX   in Oklahoma of which I am a tribal member.   Discover Bank filed suit in    XXXX   XXXX   NE . I received the summons, wrote a reply back to the Judge and then never heard another work until I received a notice in the mail that a hearing was held that I knew nothing of so the Judge awarded Discover Bank what they were asking for. I went back to visit with th e Judge  stating my side of the story and to remove the judgement. He said it was too late to remove it. He gave me all of  ten min utes of his time and then excused from the courtroom leaving me standing there before he heard all of my side of the story. I 've tried to get Discover Bank to dismiss the judgement but they will not budge. After doing research on the internet, I found complaint after complaint concerning Discover Bank operating practices. I 'm not the only fish in the barrel it would appear. There have been class action lawsuits against Discover Bank concerning their protection plan. We are at a stalemate. They can not garnish my  XXXX  payment and I am holding them to their word. Plus I have not the funds to pay them back. I am a product of the   XXXX   recession in bad health being held  hostage by a disreputable bank. The bank a long written off the debt, selling it to bill    colle  ctors for what eve r they can get.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
good day, I am currently on unemployment and have a bank of America debit card on XX/XX/XXXX I went grocery shopping and tried to use my card and it declined I went home and called bank of America to report this. I found out that someone used my card at 5 different locations to get out money, one transaction was in Connecticut and one was in new jersey and the rest were in XXXX. The total amount of my money was XXXX that is XXXX XXXX XXXX XXXX XXXX XXXX dollars and XXXX cents. this is the money that was stolen from me. I have talked to so many employees at Bank of America that they got use to hearing my voice. I have been to a one of the branch locations that my money was with drawn from and have counted 5 cameras outside this location which is the location on XXXX XXXX and XXXX  XXXX XXXX. I can not understand why they have not been able to review the cameras to see that it was not me that did this. this bank has been just jerking me around and do not seem to care. I have been more than patient with this situation. I even had a representative from the bank to hang up on me. I am so greatful that I have help with my bills but I now owe every family member money due to the fact that I can, t get any help from bank of America. I am so glad I found this website I pray that someone can help me. please. I have a complaint number that the bank gave me.XXXX XXXX. 
also he person that got my money left me XXXX dollars and some change in my account so that's owed to me also. Bank of America is one of the most horrible banks I know of in my life. I was with them before and the service as so horrible that I left. I am glad unemployment took the account away from this bank. I have known many people that this happened also and they got there money back pretty quick. I am so upset with this bank that I went to the doctors for my XXXX and now I have a problem with XXXX XXXX XXXX and its all my XXXX. thank you to whoever reads this. 
My name is XXXX XXXX XXXX XXXX XXXX XXXX  md XXXX my cell is XXXX can someone please please help me or give me some advise. 
have a great day!!!!!!

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 2017-04-24
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Hi, I received a  XXXX   XXXX  Reward Debit  Visa card from  purchasing tires from  XXXX   XXXX . The card was issued by  XXXX   XXXX   XXXX   XXXX . Their phone number is  XXXX . The card expired on  XXXX . I still have funds in the card. I contacted the company, but they refuse to issue to me a new card or a check for the balance I have left in the account. Your assistance is must appreciated.     Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-13
Company: PNC Bank N.A.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/2019, I became aware of a number of fraudulent charges on my PNC card account ( account ending XXXX ) and immediately notified customer service via the 800-number on my statement. After an extensive conversation, in which I identified the several specific fraudulent charges to the assigned agent, I was informed that the account would be closed, a replacement card issued, an investigation promptly conducted, and the fraudulent charges immediately reversed. 

In the subsequent few days, I did indeed receive a new account number and card ( now ending XXXX ), but the prior account 's balance moved in its entirety the new account number. When there was no further action or contact from the company over the next several days, I reached out a second time to PNC customer service on XX/XX/2019, to inquire as the the ongoing status of the investigation and process. I was informed that things were proceeding appropriately, and I should expect the credit to be issued shortly. 

After several more days delay with no observable action on the account, I phoned PNC on XX/XX/2019, and again inquired as to the status of the investigation. On this occasion I was told that while my prior account number was indeed closed, there never was *any* fraud report taken. All my previously identified charges had simply moved over to the new account number. After a number of delays and transfers, I finally was given access to an agent in the fraud department who took my claim again and promised that this time the process would be properly initiated. She could offer no explanation for why this lapse occurred. 

I am fairly incredulous that PNC failed to execute the clear and obvious fraud complaint I made on XX/XX/2019 and believe this is a significant failure in their systems. To be required to identify the lapse myself, and resubmit the same complaint a second time, is totally unacceptable and should be sanctioned by the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-07
Company: Rocket Mortgage, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
XXXX XXXX, 2017 I was shopping for a loan. XXXX XXXX from quicken loans requested to do a soft pull on my credit so that she could compile loan information for me. She assured me that her soft pull inquiry would not show on my credit report. <P/>XXXX XXXX | Director of Mortgage Banking Direct : ( XXXX ) XXXX | Toll Free : ( XXXX ) XXXX XXXX Cell : ( XXXX ) XXXX | Fax : ( XXXX ) XXXX | NMLS # XXXX XXXX XXXX, 2017, XXXX XXXX from XXXX XXXX, the company I decided to get a mortgage with, emailed me and asked why I had a credit inquiry the day before. XXXX double checked on his end and made sure this was not his credit request and assured me that it was not an inquiry he generated. <P/>I was deceived by to my XXXX XXXX at Quicken Loans. She assured me she was only doing a soft inquiry. I would like to

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-24
Company: JPMORGAN CHASE & CO.
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On   XXXX   XXXX    I recei ved an email from Chase Bank to confirm a request to update my Social Security number. I had not made any such request. On the fourteenth I visited my branch office on  XXXX   XXXX  in  XXXX   XXXX , LA. The manger there told me that the new  SSN i n their records was  XXXX . On the same day,  XXXX , the Social Security office here told me that the name with that number was not another fellow with my name, so I thought that this was n't a simple clerical error. Back at the bank branch, the  manager p ut my account right, with my SS number and new phone number. And to follow up, I forwarded the email to the abuse address  at Chase.      I want to know how the change effected my account. Who gained access to the account via the change? Why would  Chase up date the Social Security number of an account holder, given that Social Security numbers do n't change in a life-time? When and where did the request to change arrive a t Chase? Was there an email address associated with the request? Why would Chase change the  number and then confirm the request? Why not confirm the request before changing my Social Security number?     I have replies from  XXXX  XXXX  XXXX , but they seem robotic. I do n't have any expectation of personal attention to this. So, get other parties involved, such as the Consumer Financial Protection Bureau.     Thank you for any help that you offer to get answers from the bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Hello, To Whomever Concerned the company XXXX add a DEROGATORY remark on my credit report XX/XX/XXXX stating that I owe a balance of XXXX dollars, In which I was never notified of such balance, until I investigated, and researched my credit report. I also do not owe the balance to XXXX, nor XXXX XXXX XXXX XXXX XXXX As Ive never opened an account with the the companies listed above. Or the account that is opened in my personal information are fraudulent. After, investigating my credit report my Findings were that the company XXXX also works as XXXX, In which who sold that XXXX dollar debt to a company named XXXX XXXXXXXX Ive been disputing the inaccurate information since XX/XX/XXXX. I asked the company XXXX to verify the account, Such as date of account opened, when, where, and how. The company XXXX refuses to respond. As for XXXX will not dispute the account directly. Informing me the account is no longer with them as the debt has been brought by XXXX XXXX XXXX XXXX whos also given me a hard time disputing this account. Without my acknowledgment, nor permission, according to the FCRA laws this is a violation of my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09
Company: Resurgent Capital Services L.P.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Hello, To Whomever Concerned the company XXXX add a DEROGATORY remark on my credit report XX/XX/XXXX stating that I owe a balance of XXXX dollars, In which I was never notified of such balance, until I investigated, and researched my credit report. I also do not owe the balance to XXXX, nor LVNV FUNDING LLCXXXX RESURGENT . As Ive never opened an account with the the companies listed above. Or the account that is opened in my personal information are fraudulent. After, investigating my credit report my Findings were that the company XXXX also works as XXXX, In which who sold that XXXX dollar debt to a company named LVNV FUNDINGLLC/RESURGENT. Ive been disputing the inaccurate information since XX/XX/XXXX. I asked the company XXXX to verify the account, Such as date of account opened, when, where, and how. The company XXXX refuses to respond. As for XXXX will not dispute the account directly. Informing me the account is no longer with them as the debt has been brought by LVNV FUNDING LLC/ RESURGENT whos also given me a hard time disputing this account. Without my acknowledgment, nor permission, according to the FCRA laws this is a violation of my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-24
Company: BB&T CORPORATION
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:
I purchased a new vehicle on   XXXX   XXXX   XXXX   at  XXXX   XXXX  in  XXXX , FL. For that purchase I traded in my   XXXX   XXXX   which was Financed with   XXXX   XXXX   XXXX  ,   XXXX   XXXX   obtained a 10 day payoff in order to send  XXXX  the correct amount owed. I started receiving collection calls from   XXXX    around   XXXX   XXXX   asking for payment from me I stated that I traded the vehicle in on   XXXX   XXXX   and they should have received the payoff check from the dealership already. It turns out that  XXXX   XXXX  supposedly sent the check to the wrong bank which caused a delay.  XXXX  was aware of this but still reported me to the credit bureau as being 30 days late making a payment which I was never late in making my payments this was the dealerships fault in sending the payoff late which in turn they ended up having to pay more money. I am furious that my credit was affected by this. I disputed it with  XXXX  but they did not remove it. The Dealership overnighted the payoff check on   XXXX   XXXX   and now my credit suffers because of it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-24
Company: Financial Credit Service, Inc.
State: CA
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 in the mail fr om ARA Inc. trying  to collect almost {$3000.00} that was originally owed to  XXXX   XXXX . But, I have never had an account with  XXXX   XXXX .     I called the  ARA  on  XXXX / XXXX /  XXXX   trying to talk to them. But, they insisted it was me that opened the account and gave me a list of my identity information. Some were correct ; others were not. Of course some were right because they have linked it to me identity.     They eventually hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-08
Company: EQUIFAX, INC.
State: GA
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: Other problem getting your report or credit score

Complaint:
I have been disputing things on my credit report and just yesterday my score  XXXX   XXXX   XXXX  Eq  XXXX   XXXX . I went to check it again because I am currently rebuilding and low and behold my   XXXX   dropped  XXXX  points and there were no changes on my report. I do n't have any new accounts, nor have the age changed on any of my accounts. My Credit Card usage is under 30 %. The  XXXX  are trying to discourage consumers into disputing anything on their report and this is not fair. I 've been working hard to acquire a higher score because I would like to buy a home. This is such a discouragement. In the attachment I understand these are  XXXX  Scores yet it still was a tremendous drop.

Company response to consumer: Closed with explanation