BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-03-02
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I applied for a modification. I was denied based on Debt to Income Ratio and my income was not high enough. The data used by Wells Fargo is old and is not my current income. They have documents that are 5 months old. 

I am making a considerable amount of money since that last data provided. The appeal form was sent in and I have not heard from anyone.

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 2021-04-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 documentation that I have been a victim of identity theft. There are items on my credit report showing that I did not authorize, I have asked that these items be removed and they are still reporting.

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 2016-04-23
Company: Paypal Holdings, Inc
State: KY
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Called outside of 8am-9pm

Complaint:
This is so agrivating paypal, which we currently owe has been calling us as early as XXXX XXXX est and as late as XXXX XXXX est sometimes they call as much as 8- 10 times per day even after I talked to them and asked them " please check the time before you call us as its way to early or way to late at night and is illegal to callus like that! " so far theyve been very nice and professional about everything except for their calling tactics

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-13
Company: Paypal Holdings, Inc
Product: Money transfers
Sub-product: International money transfer
Issue: Other transaction issues

Complaint:
On XX/XX/2017 i saw an unauthorized transaction of XXXX on my credit card with the description " *PAYPAL ''. 
I instantly logged into my PayPal account and filed an " unauthorized claim '' for that transaction. 
On XX/XX/2017 PayPal told me through email that the transaction was unauthorized and refunded the total amount in my account ( not my card ). 
In the next days PayPal permanently limited my account ( too risky for them ) without give me the possibility to withdraw that money to my card. 
Why refund me if you do n't let me take my money back to the card? 

I called them and the phone guy told me that PayPal sometimes holds the money for 180 days to cover any chargeback or claim. 
I NEVER received a payment on my PayPal account, i created it only for online shopping. 
There are no incoming transaction and they know it. They can check my transaction history in 1 minute. 

At the moment they are holding my money for absolutely no reason. I CA N'T receive chargeback or claim because i simply have n't received payments. 
This is an abuse. I do n't care that my account is permanently limited, but let me withdraw my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-17
Company: WELLS FARGO & COMPANY
State: CT
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I had an unsecured personal loan through Wells Fargo that had a predatory interest rate of ~21 % that I used to refinance credit cards. After waiting several months for my credit score to improve from paying off the cards, I went to reapply for another loan that I could use to pay off the original. 

I was approved for a loan with an interest rate that was half of what I was paying before. The amount was greater, but I had expenses that I was about to incur that it was going to be helpful to offset. 

After I signed the paperwork, Wells Fargo immediately discharged {$1200.00} to themselves ( agreed upon in the loan documents to go to a credit card I have with them ), and then paid off the original unsecured loan. 

I waited several days ( t+4 ) and still had not received the disbursement that was due to me ( roughly {$3200.00} ). After contacting Wells Fargo MULTIPLE times, someone got back to me letting me know they credited my account for a {$170.00} over payment of interest. They were n't even going to tell me about this over payment, but apparently they believed that this reimbursement of {$170.00} would compensate me for the loss of {$3200.00} I sent several more inquires explaining the loan documents and monies and how they were agreed to be disbursed. I have yet to hear anything back and it is now t+7 business days ( t+12 days ) and I 'm now looking for some way to come to a resolution, because clearly the bankers at Wells Fargo ca n't process basic maths.

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 2016-04-08
Company: WELLS FARGO & COMPANY
State: DC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
This complaint is in reference to case numbers XXXX and XXXX. You do not have a functionality for the consumer to upload documents after a compliant has been submitted. So, I am submitting a third complaint to be able to supply all my documentation. Please review the attached documents as well as the cases referenced above.

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 2015-10-21
Company: Empowerment Ventures, LLC
State: NV
Product: Prepaid card
Sub-product: Payroll card
Issue: Managing, opening, or closing account

Complaint:
I have been a cardholder of rushcard for over 8 years. I chose to use rushcard for my payroll direct deposit and have trusted them for my financial services. Since XXXX/XXXX/2015 I have not had any access to any monies on my prepaid debit card and I am unable to perform any transactions such as paying bills or withdrawals. This has affected my daily life tremendously.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XX/XX/2021 : XXXX  XXXX XXXX added incorrect 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 2017-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On  XXXX    XXXX ,2017    XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX , Oh  XXXX   XXXX  Had an inquiry on my credit report that I did not authorize or approve of.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-17
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX I have requested several times to REMOVE my credit freeze from my file. I am looking to buy a car and they can't pull my file because of the freeze/block/Fraud alert on my file please remove it at once!! My XXXX XXXX and SS XXXX. I have attached my bank SS Card and DL for proof of ID

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX I have requested several times to REMOVE my credit freeze from my file. I am looking to buy a car and they can't pull my file because of the freeze/block/Fraud alert on my file please remove it at once!! My XXXX XXXX and SS XXXX. I have attached my bank SS Card and DL for proof of ID

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 2016-08-31
Company: WELLS FARGO & COMPANY
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I deposited {$7000.00} into my checking account. Wells Fargo took {$4000.00} for a delinquent student loan. I called and spoke to XXXX XXXX, supervisor, who stated that this is a " different kind of fraud '' and we would not have the money redeposited. We would not have the money re-deposited, we would have to wait for 5 days to determine if its " fraud '' and we would not receive a new account number since this was money was taken through Wells Fargo. We made bill pay and are now left with a large amount of overdraft fees. Wells Fargo Education had signed off this loan on my credit report after making 5 years of payments without a change in the overall amount owed. They made payments so high I could not pay them. And now they stole {$4000.00} from my account without filing a claim through the legal system. No notification by mail or email was ever received.

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 2021-04-17
Company: EQUIFAX, INC.
State: TX
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 am a victim of identity theft and continuing to try to remedy the effects. There is a fraudulent account from XXXX in the amount of {$1000.00} reporting on my credit. This is a fraudulent account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-10
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
In 2011, I became very ill and XXXX making it impossible for me to work causing a horrendous hardship and I got behind my mortgage payments, I desperately call my lender / servicer Wells Fargo Home Mortgage. requesting assistance with my loan with no avail.I continued to ask for assistance for a loan modification under the XXXX XXXX XXXX Making Home Affordable program, I began to fax all requested and repetitive documents to the modification department for several months, I was constantly transferred to different Wells Fargo Home Mortgage. representative and agents. I was distress, anguish they kept denying my request for a modification I was in disbelieve Wells Fargo Home Mortgage made this into a nightmare I continued to plead with them, and explained my difficult situation but it did n't get me anywhere. I want to file a complaint against Wells Fargo Home Mortgage for the deceitful, dishonest, lies and XXXX, method with the process of my loan modification and for denying me the XXXX XXXX XXXX - Making Home Affordable Program after I was assured by their representative agents I would be eligible if I followed their instructions and I did.

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 2015-12-23
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I was contacted by Midland Credit Management with the following number XXXX and the representative made bogus claims that I had an old balance they bought back in 2007 for a XXXX card I never opened. The representative with an XXXX accent, was trying to confirm my social security over the phone but I would not cooperate with this sensitive information. Can you please contact these folks and get them to stop calling my moms house for a bogus debt? I have attempted to ask for a document of this alleged debt and have not received anything. Please look into these unethical business practices as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-06
Company: Google Compare Credit Cards Inc.
State: CT
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Other transaction issues

Complaint:
A funds transfer in the amount of XXXX was made from my checking account ending in XXXX to Google Wallet account, canceled within a minute. However, the funds were still taken out of XXXX Bank account, causing an overdraft. A fee in the amount of XXXX is charged for for this, the item was paid. XXXX Bank will not refund this as it is not their error. The email address associated with Google Wallet is XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-15
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I am contacting the CFPB because I do not know where to turn. Wells Fargo just approved my request for modification under the FHA HAMP program. My income was calculated so much higher then it actually is and all I receive is basic pay stubs. I questioned the dates of pay stubs being used and Wells Fargo advised me they were dated from XXXX and XXXX. This does not make any sense as I have been submitting pay stubs from XXXX up to XX/XX/XXXX. The income calculated off my 5 and 6 month old stubs was {$10000.00}. If my recent 30 days of income was calculated, it would show my average closer to {$6600.00}. This difference would lower my trial payment ( which is higher then my original payment I could not afford ) by {$400.00} a month. This would help me even if I could save a {$100.00} a month rather than the payment increasing. 

I am appealing the calculations and income used in determining my approved FHA trial payment amount : My income with XXXX is much less than what is being calculated as we no longer get any overtime. It was announced companywide in XX/XX/XXXX no more overtime will be granted and or paid out to employees. 
I am paid weekly and please see my last XXXX consecutive pay amounts:XXXX. XXXX {$1700.00}. XXXX {$1600.00} = {$8200.00} divided by XXXX = {$1600.00} x 52 weeks = {$85000.00}. XXXX {$1700.00} divided by 12 months = {$7100.00}. XXXX {$1500.00}. XXXX {$1600.00} ( Unreimbursed Expenses - I am filing for unreimbursed expenses as per my accountant due to the nature of the job and what I pay out of pocket. In XX/XX/XXXX I filed {$5900.00} and in XX/XX/XXXX, I filed {$5700.00}. For XX/XX/XXXX, the amount should be the same as all my expenses are the same XXXX ( I previously misunderstood the question ) So to my understanding, unreimbursed employee expenses are backed out of the monthly income which for the XX/XX/XXXX year was {$5700.00} divided by 12 months = {$470.00} subtracted from {$7100.00} = {$6600.00} which is a tremendous difference from what was calculated in determining my modified payment of {$2400.00} as my payment was calculated at {$10000.00} as per the trial agreement dated XX/XX/XXXX. 
The FHA Hamp guidelines show the basis of the program is to get the new modified payment 31 % of my monthly gross income which if calculated off my recent income and not from XXXX, would make my payment closer to {$2000.00}.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-17
Company: Leap Credit, LLC
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I received a notice via US mail from this company called XXXX. Among opening the mail. I noticed there was no account number that was linked to my name. There was no statement to inform me that it was attempt to collect a debt. All was on the letter stating that I missed 3 re-payment installments. A late fee will be assessed on these installments. 
On the letter it listed the installment dates for payment. It did stated that I could call XXXX to complete payment. 

In closing the letter the company put, In case if I fail to make the payment by the due date you may be reported to the credit bureaus. 

I have attached the letter below.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-28
Company: WELLS FARGO & COMPANY
State: CO
Product: Credit card
Issue: Arbitration

Complaint:
I was recently granted a divorce from my husband. The court ruled that he was liable for all outstanding debts on a Master Card with Wells Fargo. I contacted Wells Fargo to have my name taken off of the account and to notify them that my husband was liable for paying off the balance due on the card. I sent them a copy of the decree of the divorce. I made several phone calls to Wells Fargo. I went to a local bank and pleaded my case. I was told Wells Fargo does not honor divorce decrees and that they are holding me responsible for the outstanding balance along with my husband. My husband is the primary card holder on this card and he refuses to pay the balance due. This outstanding balance is destroying my credit rating. And I do not have the money to pay off the balance. Well Fargo also changed the credit card from a Master Card to a Visa card without notifying me. They would not give me the new credit card number until I went to a local Wells Fargo bank and demanded that I be given that account number.

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 2021-04-17
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
I opened an XXXX XXXX account card two months ago yet all three credit reporting companies are showing it opened as XX/XX/XXXX, for starters! In addition, it shows that I have a balance of {$620.00} for over a month, ANOTHER LIE!!! I have had a balance of {$2.00} for over a month and paid that off on XX/XX/2021!! I have told XXXX XXXX on four different occasions to 4 different people that I want to CANCEL MY CARD!! I hate 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 2017-03-15
Company: AMCOL Systems, Inc.
State: NC
Product: Debt collection
Sub-product: Medical
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
I was seen at XXXX who sent highly personal medical information to AMcol without my consent. My original information I disclosed with XXXX who turned around and sent it to Amcol. Amcol I see is licensed in XXXX are they able to share my personal information as well as attempt to practice in XXXX. I would like this matter looked into please

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-17
Company: TOYOTA MOTOR CREDIT CORPORATION
State: FL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Excess mileage, damage, or wear fees, or other problem after the lease is finished

Complaint:
I had leased a XXXX in XXXX for 39 months which was the agreement. I returned the back when the lease was up, but did owe them for mileage in the amount of {$5700.00}. When I returned the car I was told that someone would be reaching out to me to make payment arrangements. I have been trying to reach someone for over a year that could help me with this issue and no luck. I sent a letter on XX/XX/XXXX, still no one has reached out to me. However, they have reported to the credit bureaus that I owe that amount which is correct, but attached a monthly payment of {$480.00} which was my monthly lease amount. That is in correct since I finished my lease and returned the car in perfect condition. I need someone to reach out to me so I can make payment arrangements and have them remove that monthly payment from my credit since I dont have the car any longer and that was my lease payment not my mileage payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-11
Company: WESTERN UNION COMPANY, THE
State: NC
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I was asked If I was interested in making money weekly. I was told I can change my XXXX into XXXX. He informed me that I could send the money to ANYBODY I wanted to and he was going to add a XXXX to the end and that and send it back to me. All I had to do was send him half. 
Ex. I send {$150.00}, he goes in the system and add a zero ( {$1500.00} ) and I was supposed to send him {$750.00}.

Company response to consumer: Closed with explanation