BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-31
Company: 21ST MORTGAGE CORP.
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
in XX/XX/XXXX a line of credit was taken out on property XXXX XXXX XXXX in XX/XX/XXXX refinanced and 2nd mortgage was supposed to be forgiven, kept paying on 2nd until XX/XX/XXXX when refinanced we were told to stop paying on 2nd due to forgiveness program. We hired an attorney to handle 2nd mortgage ( law firm XXXX and XXXX, attorney on file XXXX XXXX address XXXX XXXX XXXX XXXX XXXX My husband who recently XXXX XX/XX/XXXX last told me lawyer above handling and instructed to stop paying on 2nd. Last payment to 21st Mortgage Corporation was XX/XX/XXXX according to statue of limitation law 2nd mortgage is 4 years. When the above property was in escrow right before escrow I was told that 21st Mortgage Corporation was taking XXXX from the sale of my property. I called them and tried to settle with them, get late fees taken off and explained 4 years was statue limitation and 2nd was supposed to be forgiven. They did n't want to hear it and bottom line property was already in escrow, I could n't back out and now this 21st Mortgage corp took XXXX of the sale pos my property above. I want them to give back my money in full due to statue of limitation 4 years on 2nd mortgage. If this can not be done I want a settlement offer from them for the 2nd that we both can agree on and refund the difference. I already have a attorney who has instructed me on above references to statue of limitations and so forth and if something can not be done in this matter then I am ready to move forwards on legal recourse in this matter. 
The loan number is under my husbands name and is # XXXX & XXXX it was a line of credit /2nd mortgage I believe ... he is the one that handled all the finances, so as you can imagine I was not only left grieving wife but had to find out when i sold the property someone was taking all my money. 

If needed I will provide my lawyers name and number

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
I sent a letter to Experian requesting verification of specific items on my credit report. Experian received my letter ( sent certified ) on XX/XX/22. As of today, XX/XX/22, I have not heard from Experian listing results from their 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 2019-08-03
Company: EQUIFAX, 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: Information is missing that should be on the report

Complaint:
On my credit file, it shows that I only have a credit history of XXXX, which is inaccurate. I have a XXXX XXXX Credit Card that is still active and current and was opened on XX/XX/2003. It is my oldest credit account and has been opened for over a decade. Attached I have is a copy of the account ( circled XXXX the account number and the date it was opened. It's a copy from XXXX, but it shows on all three of my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31
Company: CCS Financial Services, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Paid the debt owed however its still being reported on my credit report

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2017-04-19
Company: WELLS FARGO & COMPANY
State: OR
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
On   XXXX   XXXX   XXXX   I was approved for a property tax deferral by the Oregon Department  of Revenue.   This program is for seniors and people on  XXXX  below a certain income level. Under this program, the state pays the property tax to  the county  taxing authority. The tax and interest are due to the state at the time the property is sold.    Wells Fargo Home Mortga ge is the mortgage holder on my house. My   XXXX   XXXX   payment was reduced from {$1100.00} per month to {$870.00}. At that time I was also issued a refund of {$2500.00} from  Wells Fargo  for the overpayment I had made to the escrow account. for property tax.   Since t hen Wells   Fargo has made multiple  attempts to collect property tax from me, claiming that I owe them for property tax. On   XXXX   XXXX   XXXX   I received an email  from Wells Fargo stati ng that the payment they received on   XXXX   XXXX   XXXX   for {$870.00} would not be credited to my account because they had increased my monthly payment amount by {$560.00} per month to {$1400.00} per month for my 30 year fixed rate mortgage. " ... Since we 're unable to make partial payments to the loan, we 'll hold these funds until you make the rest of your payment ... '' No changes have taken place with my property tax deferral. It is not due for renewal until the   XXXX   tax year.  Wells Fargo has  not paid property tax for  XXXX . They will not pay property tax for  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 non-monetary relief
Consumer complaint received 2018-12-18
Company: National Credit Systems,Inc.
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On Friday, XX/XX/2018 a representative of National Credit Systems , Inc. called my wife, and in the course of the conversation, threatened to damage her credit, and said that they could report the debt to credit reporting agencies at any time.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-22
Company: Security Credit Services, LLC
State: NH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Someone used the last four numbers of my social security account to open an account at XXXX XXXX XXXX XXXX somewhere in Texas for {$1800.00}. I am not sure what date it was, but in XXXX XXXX, 2017 Security Credit Services purchased this fraudulent loan, and proceeded to try to collect this bogus account. I tried to talk to them but they wo n't budge.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02
Company: Social Finance, Inc.
State: WA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
My original monthly payment was {$420.00}. I made a lump sum payment toward the principle on this loan in the amount {$8300.00} on XX/XX/2018. I requested for the loan payments to be Re-Amortoized and this was done on XX/XX/2018. The payment due date was changed to {$150.00}. Sofi did the calculations for this loan as the lender. I was charged the {$420.00}. I called regarding this and they refunded this amount and started charging the {$150.00}. Sofi is now stating that I owe them a lump sum payment of {$810.00} on XX/XX/XXXX. They are trying to say that the amount they refunded me was not included in their calculations after the re-amortization and that I still owe that and the interest rate attached there to. 
Obviously, at the time they refunded, they did not state I owed that nor did they state it would accrue and recreate this lump sum amount. Loan companies do not just refund payments if it does not believe those payments were due. If the Sofi professional made a mistake in the calculations, that mistake should be construed to Sofi as the drafter. It is not my fault they made a mistake in their calculations.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12
Company: PENTAGON FEDERAL CREDIT UNION
State: CT
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 contacted penfed to make a payment on my credit card because I could not add my account on their website to make a payment. I spoke to a manager in the credit department who explained that this happened to several members. She said she would expedite a credit bureau dispute which never happened and my credit rating keeps being destroyed by their actions. I waited over a month for penfed to review this and make the necessary changes and they refused. I called in and a woman made the payment for me a made an error which further delayed the payment because it had to go to their back office. If this isn't corrected penfed will be brought to court to have this remedied. I tried to make the payment but they had a system-wide issue and refuse to correct my credit report or handle the fraudulent charges.

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 2022-08-15
Company: Paypal Holdings, Inc
State: SC
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:
The unauthorized transaction happened on XX/XX/23 from my account that was attached to Paypal for a total of {$1200.00}. A {$500.00} transaction, another {$500.00} transaction, and a {$200.00} transaction. 
I notified Paypal of fraud right away, and filed a claim through them. Within 24hrs the claim was supposedly denied, but I was not contacted about it. I knew that refunds take time, so I gave it some time, and I kept noticing that Paypal kept trying to pull {$700.00} from my account. I think the initial transfer from the fraudulent person was denied for whatever reason, and now when Paypal tried to pull the money it would not go through because I froze my account. 
Unfortunately, with my being busy with work I did not have time to get someone on the phone, and when my wife called they would not speak to her. After a week long work trip I got home and called to figure out what was going on. They told me that the {$700.00} was sent to the fraudulent person because they viewed my claim and denied it stating there was no evidence of fraudulent activity. 
I don't understand what lack of evidence they are talking about. If asked I have loads of evidence that I did not authorize these transactions. 
I have read up what to do about this situation, and it sickens me to see that Paypal has allowed this same exact situation to happen to multiple people. A fraudulent transaction happens, and when a claim is made it is denied within 24hrs.

I asked to speak to someone higher up, and when transferred the call was disconnected on their end. It has been an absolute nightmare working with Paypal, and I just want my money back!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-08-31
Company: Focus Holding Company
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX/XXXX XXXX XX/XX/XXXX-XX/XX/XXXX I started services with the company in XX/XX/XXXX. In XX/XX/XXXX-XX/XX/XXXX, my bill skyrocketed to over 1200. After numerous calls, every month, to XXXX who would refer to XXXX XXXX, who would then refer me back to XXXX, I finally reached a XXXX Representative who investigated the charges. I was reimbursed by XXXX, for 11 charges to reconnect my services. XXXX then sent XXXX XXXX a reimbursement assessment of {$1000.00}, due to unauthorized charges of {$40.00} per month of Movie Channels and {$50.00} per month of a sports package that was never authorized. ( see documentation ) I spoke with XXXX XXXX in XX/XX/XXXX/XX/XX/XXXX, who stated that the reimbursement was on file and had not been released. I ended up closing my XXXX XXXX account, as they continued to not reimburse the monthly charges, and stated that they could " only reimburse my account x 90 days ''. 

From there on out, I have had to dispute the charges over and over through XXXX XXXX, who then sold my account to a collection agency 3 times. I worked with the XXXX XXXX XXXX to have the first 2 collections removed from credit reports. As of XX/XX/XXXX, a new XXXX XXXX, XXXX XXXX, placed the collection in the amount of {$1200.00} on my credit report. I have disputed the collection and as XX/XX/XXXX, the collection still remains. 

This has been to say the least, frustrating, and I am at my wits end. This is unfair practices on behalf of XXXX XXXX and their unwillingness to remove the unauthorized charges to my account and reimburse me in the amount of {$840.00}. These collection agencies harass and threaten and most importantly ruin my credit score, that I have worked so hard to keep my credit good. 

I do n't know where else to get assistance on this, I contacted a lawyer, that was currently in a lawsuit with XXXX XXXX for unauthorized charges, however the practice is out of state. I reside in Pennsylvania.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15
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: Investigation took more than 30 days

Complaint:
I sent a CFPB complaint in regards to account for XXXX XXXX # XXXX showing on my report as status " Late '' and showing multiple late payments. This account was not thoroughly verified and has not been corrected in equifax and XXXX. You can not report a close account as LATE. The main complaint of this message is to let you know that you have taken more than 30 days to investigate this. 

It has been more than 30 days, and I have not received any proof that your company verified the accounts thorughly. 

Therefore, in accordance with s.1629e ( 8 ) of the debt collection practices act, which clearly states that any information know to be false, can not be reported to any credit bureau XXXX I request that you immediately delete this information from my credit reports. 

Please send me a copy of my updated credit report as soon as the above has been completed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-31
Company: I.C. System, Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was contacted in XX/XX/XXXX by mail from I.C Systems Inc. regarding an outstanding balance of {$200.00} dollars. I called them to get more information about this debt, but all they would share was the account debtor was XXXX XXXX with a balance of {$200.00}. I immediately disputed this debt and requested a itemized statement from them detailing why this amount was owed. I also informed that I requested XXXX XXXX to have this account to be closed almost 5 years ago, and up until now, this account was closed by me in good standing. The person I spoke with was not able to access this information, but ensured me that she would send it as soon as possible. I Never heard back from them, until I received and alert from XXXX XXXX that this account was reported on my credit report as of XX/XX/XXXX. 

This company has no records of why this amount exists and failed to follow up with the information I requested to establish why this account even exist after 5 years of service. Then, recklessly reported this to the credit bureau in XX/XX/XXXX, as a result, damaging my credit score, as if this account new as if I failed to currently keep my commitment.

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 2017-04-20
Company: Account Resolution Corporation
State: MD
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
These are charges that had been paid by my insurance company and  XXXX   XXXX   XXXX  continued to send me collection notices. I spoke with their office and was assured these were sent in error. Currently this shows up in my credit report as an unpaid {$2500.00} account from a collection agency identified as ACCOUNT RESOLUTION  CORPO loc ated at  XXXX   XXXX   XXXX   XXXX , MO. I 've never received any correspondence from this agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I signed up for the CapitalOne XXXX XXXX credit card on XXXX XXXX XXXX and was promised " {$200.00} Cash Back after you spend {$500.00} on purchases within 3 months from account opening. '' I just complied with the above terms but a CapitalOne representative on the phone told me that what I applied for was declined and an " accomodation '' term was offered. The gentleman stated that the terms I accepted did not have the {$200.00} Cash Back offer. 

I do not recall being offered alternative terms when I applied for this credit card. I have a XXXX XXXX XXXX on XXXX and XXXX on XXXX. I would like a full explanation of ( 1 ) why I was denied the initial terms, ( 2 ) how the " denial '' of the initial terms were communicated to me, and ( 3 ) how the " new terms '' were clearly communicated to me to give me adequate notice that the offer was an alternative to what I initially applied for. 

My concern is that the business practice of the above is akin to deceptive advertising and something similar to a " bait and switch '' of the initial offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-26
Company: SUNTRUST BANKS, INC.
State: TN
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Searching to get a pitbull puppy on a private facebook page account. We selected a puppy and the guy said he wanted half up front and half later to get the dog for a deposit. We did not think this was going to be a scam because he knew so much about these dogs and he was on a XXXX  account. We sent him {$350.00} on a mobile XXXX pay app. He deleted everything and his page and the site. We emailed SunTrust Bank right away for fraud and scam. They said there was no error on this case XX/XX/19. This was a complete scam and we trusted the XXXX page account since it was a private group. The transaction occured on XX/XX/19 for {$350.00} with a name of XXXX XXXX using our bank debit card. Please help us get our money back. This hurt us.

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 2022-03-02
Company: WELLS FARGO & COMPANY
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/22 I opened a Wells Fargo Checking Account using their online portal. 

There was an option to fund the account after going through the process to open it. 

I utilized my XXXX savings account to initially fund the account ( {$25.00} ), using Wells Fargo 's online portal. 

I then closed the account on XX/XX/22 as I opened another checking account with wells fargo at my local branch. 

The funds were successfully debited from my XXXX savings account, but Wells Fargo has no record of the transaction happening. 

I have called Wells Fargo multiple times, taking to various teams but no one is able to locate the money.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation