BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-10-04
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
Wells Fargo intentionally acted in a personally biased way against my wife and l. 
This is evidenced by the letter we received from Wells Fargo, where the letter of about XXXX small paragraphs on half a page, referred to our notice of serious health issues. 
This was unnecessary to mention at all, it should not have played any part in their decision making process. The context of their message was in a sneering fashion, clearly biased against us. They know l am XXXX years old, XXXX. Nobody so ill wants such a response from anyone- and certainly not from people at a major bank like Wells Fargo or it 's employees. 
It is an essential part of recovery that a positive perspective is kept, that becomes impossible when Wells Fargo employees wrongfully act with bias against individuals that have serious medical problems.

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 2021-12-13
Company: Experian Information Solutions Inc.
State: MS
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:
AD Astra Recovery is claiming I owe {$670.00} and XXXX XXXX claiming {$670.00}. They also falsely place information my credit report. Be advised, this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. 
This is not a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your office provide me with competent evidence that I have any legal obligation to pay you. 
Please provide me with the following : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed to pay what you say I owe ; Provide a verification or copy of any judgment if applicable ; Identify the original creditor ; Prove the Statute of Limitations has not expired on this account ; Show me that you are licensed to collect in my state ; and Provide me with your license numbers and Registered Agent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-17
Company: Paypal Holdings, Inc
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Venmo has no fraud department. My account was hacked in 2017 after a remote user sent along an unauthorized payment to both a contact and themselves.  I stopped payment via the private bank but Venmo held me liable for the funds $XXXX. The company gave no clear information on why my fraud claim was denied and did not even notify me of their findings. I notified the company in my original complaint that the payment was clearly fraudulent as I don’t even know the contact and the person who hacked my account made duplicate payments with duplicate texts (verbatim) which proves that it could not have been a pocket dial.Below is an email chain My email to Venmo: I disputed the charges with the banks right after I contacted You guys. I'm very worried about how this breach occurred....Your request (#XXXX) has been updated. To add additional comments, reply to this email.XXXX  (Venmo)XX/XX/XXXX, XXXX XXXX  CDTXXXX,Thank you for letting me know. After reviewing your account, it appears that these payments occurred using the same XXXX  you used to sign up for Venmo. Based on the nonsense payment notes, this activity looks to be an accidental "pocket payment," meaning that your device was unlocked and in a pocket, bag, or similar. Your bank rejected these payments, but Venmo credited the accidental recipients in these transactions. I will reach out to those paid so we can resolve the loss that was created due to this activity.Let me know if you have questions or additional information in the meantime.Best,XXXX XXXX.Venmo | Account Specialist

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-03-21
Company: JPMORGAN CHASE & CO.
State: OH
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
On XXXX/XXXX/16 I had with the continues calls from Chase & asked that they remove my phone numbers from their records. This however, was not honored so the calls continued. Everyday since XX/XX/XXXX I received 4-9 calls/day. On Sunday 's they doubled their efforts & called me every 1/2 hour.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-15
Company: NAVY FEDERAL CREDIT UNION
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
We arranged for a senior trip for our daughter with XXXX XXXX in XXXX of XXXX. We paid 24 monthly installments of {$150.00}, plus a {$95.00} registration fee, for a total of {$3700.00} through XXXX of XXXX, when the trip was cancelled due to the coronavirus pandemic. We requested a refund, but XXXX XXXX refused to issue a full refund, offering only a voucher for future travel, which costs a {$1000.00} cancellation fee to redeem. We disputed the charges with Navy Federal Credit Union, who had placed the charges on our debit card ( we never provided XXXX XXXX the debit card number, just our bank account and routing number ). Navy Federal found in our favor and recovered {$2400.00}, but claimed they could not reverse the earlier charges because the " cardholder agreement '' prohibited refunds of charges more than 18 months old. Therefore, we are now out {$1300.00} taken from our account for services we never received, and NFCU has refused further assistance, choosing to honor their agreements with XXXX and XXXX XXXX  rather than a member of 28 years.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-12
Company: Ditech Financial LLC
State: NC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I had purchased a home in XXXX. It was later sold to Greentree services. I had got married and when we decided to divorce. I was the only person who was working. I was working XXXX hours a week. When the plant stopped overtime I had gotten behind on the mortgage. I had got it caught up. Then in XXXX the XXXX ( I worked 9 years ) decided to close down. Before they closed I had gotten behind. I called and talked to a representative and he told me if I could catch it up before I lost my job. He would deferr my payment for 3months to help me while I looked for a job. I was to call on a certain day and talk to him. I did as he told me. But when I called him back on the day he told me. He said that he could n't deferr my payment because I did n't have a job? I found a job an hour away. When gas prices starting getting high in XXXX. I had got behind again. I started getting phone calls at work. In XXXX my wife and I decided to purchase a bigger home. I had called Greentree asking if I could sell the property and pay the remaining balance. I was told that I could send in an offer. That they sometimes accept lower offers. I had a sister that wanted to take over payments ( they said no ) and I had XXXX offers of {$25000.00}. I called and asked if the offer was accepted and they said that I did n't write down the dollar amount. I had faxed the offer and reasons on XXXX page? After the mortgage was foreclosed on. I found out that they had sold the property for {$4000.00}. And I owe the rest of the mortgage. After foreclosure process I had tried to set up some type of payment. But when I called and said that I did n't think it was fair that I had to pay the {$19000.00} that they lost by selling it their selves. And the woman rudely told me I had to pay all of it. After the foreclosure they had told me that since I could n't make a payment. I could fill out a hardship form. I had did as I was told and once again I was denied. Another problem I have is that on XXXX occasion when I was behind. They called my sisters ( that was on my account ) and my neighbor and had told them each how much I was behind and if I do n't pay the entire amount was due ( again told them exact dollar amount )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13
Company: Home Point Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In XXXX, I went sent a letter in the mail that stated that a payment was missing and I called Home Point Financial. They could not understand what was going on with the account and told me they would investigate and call me back. When I didn't get a call back, the following week I called them again to inquire if the matter was fixed, since I didn't understand what the problem was. They again told me that they didn't understand what was wrong on their end and told me to please call back again, which I did. I called a third time in XXXX ( this should all be documented in their system and I'm now calling my phone company to get the phone logs ), they said everything was current and apologized. We were traveling during the month of XXXX and in early XXXX, when we were back at home, we received a letter in the mail stating that we had not paid our mortgage! I called the company immediately and was told we were late for XXXX months of payments, dating back to XX/XX/2021. Unbelievable! I asked the representative WHY this would have happened when we have always had automatic withdrawal from Home Point Financial itself. He asked me if we had changed anything with the checking account or routing number >> NO, NO, NO. Never changed anything. He informed me that it was a glitch on their end and apologized and took the 3 months of payments from me when I was on the phone XX/XX/XXXX. The representative said he would make notes to show the error was on their end and advised me to send an email to the Correspondence Dept at Home Point, which I did. 


I want a letter from Home Point showing and stating that this was their error for our records.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Hey so i been banking with chase since i was XXXX and now am XXXX, chase is my first ever bank and i always have spoken highly of chase as a bank and their customer service ALWAYS, But on XX/XX/XXXX i received a letter from chase saying that they were going to close my account on XX/XX/XXXX worried and confused i call chase support right away and i have to tell their customer service to me was rude and bad i dont know if it has to do with chase closing my account and basically werent helpful at all because i tried asking why my account was closed and ask if there is anything that i could do to fight this back because i dont think it is closing my account, not giving any reasons and not even giving a option to send someone an email or anything, because if if whatever the reason is they are closing my account is wrong and they are not letting me explain my self. and i have to add that today that am sending this email ( XXXX, XXXX, 2021 ) i went to a chase branch in person and basically same answers nobody wanted to help me in anyway, and right after i left the chase branch tried calling one last time to chase and this time their customer service to me was even worst, I just hope i can get help on this matter because it has affected me tremendously. Thanks in advance

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-15
Company: AFNI INC.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have asked AFNI Inc to validate a collection they are reporting on my credit reports on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and they have failed to provide anything that would support the fact that they are attempting to collect on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-05
Company: Experian Information Solutions Inc.
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:
IN accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 



15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose XXXX XXXX XXXX Account # XXXX NEVER LATE PLEASE UPDATE

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 2018-07-20
Company: Russell Collection Agency, Inc
State: MI
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:
XXXX XXXX has been included in my bankruptcy case number XXXX out of the XXXX XXXX XXXX of Michigan. They are still reporting monthly that my account is delinquent when they should have just reported it as a part of the Chapter XXXX wage earner plan. Can we have this negative reporting stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
I got a pay off amount from Capitol One and paid my account off in full as they were charging huge % rates. I closed my account and they said there was a XXXX balance. I kept on checking to make sure that there was a XXXX balance as I have had this problem before where they don't actually close my account and continue to charge interest. Sure enough I got a call a month later that I owed XXXX cents and now owed {$84.00}. When I told them that I closed my account and correctly paid the full amount off they said I owed the {$84.00} in late fees from the XXXX cents that was owed, but could not find how the charges were done or what the XXXX cents was from interest or a service fee. Regardless of what or how I have been ripped off by Capitol One. This has taken place between XX/XX/2020 and XX/XX/2020. " What's in your wallet? '' Nothing because you took it all and are still trying to rip me off!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-15
Company: U.S. BANCORP
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:
My debt was settled through XXXX XXXX XXXX The total balance was {$8200.00} and was settled at {$4700.00} which was paid off XX/XX/XXXX. I called XXXX XXXX XXXX and mad the. Aware that on my credit report US bank states I still have a balance of {$4700.00}. I also contacted US bank on XX/XX/XXXX and received a letter that has at the top current balance {$4700.00}. In the body of the letter it states that the account was settled for less than the current amount and several phone calls I have been told I currently owe {$0.00}. If I owe {$0.00} then how do I have a current balance of {$4700.00}. I also disputed it through all 3 credit agencies. At this point XXXX  finished the investigation and said US bank information is accurate. I had for other accounts through XXXX XXXX XXXX   and have paid all of my accounts and US bank is the only account stating I have a balance. Having a balance implies I owe them money when they made a settlement for a lesser value and is paid off. Thank tou

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 2019-12-17
Company: EQUIFAX, 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:
I DEMAND TO KNOW THE REASONS AS TO WHY THE XXXX XXXX XXXX. ACCOUNT IS STILL REPORTING NEGATIVELY ON MY CREDIT REPORT FROM XX/XX/XXXX, WHICH IN THIS CASE I HAVE ATTEMPTED SEVERAL TIMES TO GET THE REMOVE OFF OF MY CREDIT REPORT. I HAVE ATTEMPTED TO REMOVE BOTH NEGATIVE ACCOUNTS FROM MY CREDIT REPORT SINCE XX/XX/XXXX, WITH NO RESPONSE NOR SUCCESS FROM EITHER OF THE BUREAUS. I DON'T UNDERSTAND WHY THESE ACCOUNTS ARE STILL REPORTING, IF THE ACCOUNTS AS BY PART OF THE FCRA, HAVE TO BE ACCURATE, VERIFIABLE AND COMPLETE BY LAW. AS A CONSUMER I AM AWARE THAT NONE OF THE INFORMATION DISPLAYED ON THOSE ACCOUNTS IS VERIFIABLE. PLEASE ASSIST ME AT GETTING THE ACCOUNTS REMOVED DUE TO THE FACT THAT THIS IS REALLY AFFECTING THE OVERALL ABILITY OF ME GETTING FURTHER IN LIFE. THIS IS OBSTRUCTING MY GOALS FOR THE FUTURE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-27
Company: EQUIFAX, 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 have a few issues on my credit file my name is XXXX XXXX XXXX, please delete the other variation of my name my name is listed wrong please correct. The following addresses are not mine please remove : XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX I have some unverified accounts that I have never done business with these companies : XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX a # XXXX. 
Federal Law requires that you provide mechanisms to ensure that each item on my credit report actually belongs to me. If the above items are inaccurate, misleading or incomplete you may have violated federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-21
Company: EQUIFAX, INC.
State: VA
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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21
Company: Experian Information Solutions 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 information incorrect

Complaint:
There is a late payment reporting on my XXXX XXXX  account. As you can see I have had this account open for years and never made a late payment and there is not one single other late payment reporting. I care about my credit and have a great relationship with all my creditors. Please remove this remark.

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 2022-07-21
Company: ENOVA INTERNATIONAL, INC.
State: LA
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 think Im being declined for multiple inquiries. I have no clue what they are. So my inquiry Adds to it and isnt mine I never had a XXXX  checking account, we dont even have a bank around my area

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21
Company: WELLS FARGO & COMPANY
State: AZ
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
We dont understand why Wells Fargo acknowledged that we are victim of identity thief yet dont want to do wants right and give us all our money back. We been trying since XXXX XXXX. We hope you can help. Wells Fargo gave us this information XX/XX/2021 to XXXX XXXX, XX/XX/2021 XXXX XXXX, XX/XX/2021 XXXX XXXX and XX/XX/2021 XXXX XXXX all {$1000.00} each. We do NOT know any of this people and we did not send them money NOR authorized anyone to send them 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 monetary relief