BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-10-10
Company: Convergent Resources, Inc.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I am not aware of this debt and do not know how it originated. I have always been in great standing with my cell phone provider. I was a victim of identity theft several years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22
Company: Acra Intermediate Holdings, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Dear CFPB Team, My lender Citadel is not responding to any of my emails or phone messages. I was placed on an approved forbearance during the Corona Virus Shutdown and have not missed any payment since the forbearance ended. However, Citadel is treating our account as late and has caused us unbearable stress and threats of foreclosure. Their representative, XXXX XXXX XXXX from XXXX requested that I provide a locked loan approval to suppress any negative credit reporting so I could finalize my refi with a new lender. I did submit the locked loan approval about 10 days ago which will expire by the end of this month. However, Citadel has not reported as us current and we tried to get a hold off XXXX XXXX XXXX from their Customer Advocacy Team ( who is handling our account for the past year ) via email and phone for 1 week now without any success. Moreover, we have tried to get any other supervisor on the phone without any success. No one is returning emails or our phone calls and our last 3-month mortgage payments, which we made over the phone with a live representative at Citadel, were initially accepted and then returned to us a couple of weeks later via check. It seems they are trying to avoid speaking to us so they can start the foreclosure process. The moment we asked Citadel to join the California Mortgage Relief Program which was created to help people like us, who fell behind and were placed on forbearance during the Corna Virus shutdown in 2020, Citadel started retaliating against us and placing our monthly mortgage payments without telling us into a suspense account and then returning the funds. We have not been able to pinpoint what they are hiding and why their upper management did decide not to join the California Mortgage Relief Program. It would have been a wonderful solution for us and them and it seems that their business practices are so shady that they are completely closing off their affairs to outside agencies. Furthermore, we tried again to get any representative on the phone yesterday and today who could help us with our refi issues and were told by XXXX XXXX from the collections office that he sees 3 prior requests by us for a supervisor call back which unfortunately have not been returned at all. Yesterday again, there was no supervisor in 3 different departments available to talk to us. This is completely unprofessional, unethical, and incompetent for a financial institution. Please help us investigate Citadel 's business practices. 
Thank you very much. 
Best wishes, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-22
Company: JPMORGAN CHASE & CO.
State: NV
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
Someone has opened a credit card in my name with Chase. I have told them several times that I DID NOT open this card. I never wanted this credit card with Chase. Not only that but somehow there were payments taken out of my bank account to pay for this card without my permission. I 've called and called and asked for the money that was taken out of my account to pay for this credit card to be returned to me, still no response. I 've also advised them that I did not make any of these payments to my card and then later they told me that they can not return it because I owe it to them. This is hurting my credit and I do not have the money to make the payments to save my credit! I also just found out that somehow this account number was changed from my previous card ending in XXXX to XXXX, another thing I did not authorize. I was also re-billed for charges that I DID NOT authorize and am trying to get removed to resolve this issue! They also claim that the charges on my account for merchandise that was purchased was shipped to me and signed for by me, NOT TRUE. I was not even home to sign for anything nor did I order it! I have filed several complaints with this company and they DO NOT listen.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-29
Company: Ditech Financial LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have reported many past issues with greentree and have lost alot of money and had them attempt to foreclose on my home several times illegally. I need them now to clear my court and credit reports since it now looks like i had a foreclosure when im in the home. I need to see if all the past issues i reported qualifies me to be a part of the settlement with green tree as well. they have added XXXX in fees on my account through all of this

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-30
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Wrong amount charged or received

Complaint:
I made a transfer via PayPal from my linked bank account to my brother. PayPal advertises that those types of transfers are free. 

I received a notice from PayPal indicating the payment came from my bank account and saying my brother will receive {$2000.00}. 

My brother got a notice from PayPal indicating Money received + {$1900.00}. 

In other words, PayPal misrepresented to me that there was no fee, but PayPal charged the {$58.00} ( 2.915 % ) fee to my brother and delivered only the net proceeds to my brother.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-20
Company: Conduent Incorporated
State: OK
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I went to get gas at XXXX gas station on XX/XX/2020. There is a - {$75.00} charge still " pending '' that the gas station held, however, also a " Reversal Credit '' of + {$49.00} that is also still " pending '' according to the " Way2Go '' app. According to the paperwork I received with my Way2GO debit card, XXXX XXXX is the banker for Way2GO debit card. On XX/XX/2020, there was a charge of - {$25.00} from the same XXXX   which is the correct amount that I actually spent on XX/XX/XXXX. I spoke to the Way2Go Customer Service Representative on XX/XX/2020, after calling XXXX which is listed on the Way2Go paperwork that I received in the mail. She told me that XXXX is responsible for the charges and that they are the one 's who needs to release the hold. I spoke to 4 different XXXX representatives on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and they told me that all they charged me was " {$25.00} '' and that it is up to the bank to release my funds back into my account. I tried calling Way2Go Customer Service again at XXXX 5 times on XXXX XXXX, and XXXX, however, when it got to the part where they said to " hold '' for the transfer to speak to a representative about my dispute, it would hang up on me versus transfer me to a representative. The same thing happened when I tried calling another number listed on the Way2Go App as a Customer Service number at XXXX, as I called 6 times on XX/XX/XXXX and XXXX, on this number. On top of going through all that mess, I noticed that the bank charged me {$0.00} four times on XX/XX/XXXX, XXXX, and the XXXX possibly due to me calling so much, on the numbers listed above, to try to get through to an agent to dispute my charge. Each time I called, I chose the " dispute '' option, however, it informed me of my balance each time, although, I never requested for my balance. Way2Go charges {$0.00} if you check your balance more than 5 times per month. I would like them to release my funds back into my account as it is rightfully mine 's as well as refund me the 4 charges of {$0.00} because my calls were not for the intent of checking my balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-17
Company: EQUIFAX, INC.
State: CA
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 Have Asked Equifax, XXXX XXXX XXXX to re-investigate the information on my credit report and I know the information is incorrect but they all reported back to me that they verified the information on my credit report. So I am here today to report information that has not been fixed and would like to remove all accounts and negative items on my credit report. 

1

5 U.S.C 1681i States that I have the right to ask for a Reinvestigation ( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file. ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-12
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Shellpoint and their foreclosure attorney  XXXX   XXXX  are in violation of CA law CAHBOR which prohibits dual tracking. CAHBOR specifically states a foreclosure process may not continue when a work out is being considered. This is an approved short sale and  Shellpoint shows a foreclosure sale date. This is illegal and this activity must CEASE and DESIST. Shellpoint tries to state that the sale date is on hold however that is not in compliance with CA law. The law specifically states the foreclosure process may  not continue. Putting something on hold means you are still continuing with the process. To be complaint there can be NO SALE DATE showing WHATSOEVER

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-22
Company: Central Portfolio Control Inc.
State: WA
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
In XX/XX/2021 Central Portfolio Control contacted me about XXXX  bill I was uncertain of. I asked them to send me something in the mail. What they sent me were were XXXX detailed letters for an individual the was not me, attempting to collect XXXX  debts from them. It included the persons name, their address, dates of service, procedure description, billing info, etc. when I received that, I figured it was an error on the collections agencys part. Today, they texted me. I was shocked. I called, and the lady was so grossly rude. I told her I didnt remember the services, she basically called me a liar. They violated HIPPA and turned me into collections. The innocent person whose info they sent me is military as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-13
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have over 100 inquiries on my credit report that I did not authorize. Those inquiries along with the fraud alert on my file is making it very hard to obtain a home for me and my children. I have reach out through mail and over the phone to have the inquiries removed and nothing has been done.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-17
Company: SYNCHRONY FINANCIAL
State: ME
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 had ordered an XXXX backup battery from XXXX XXXX. They sent an email saying it was out of stock with no date to ship. I called XXXX, they had no idea when it would be shipped and I canceled the order and ordered from a different company. The battery arrived in two days and I installed it. A battery arrived from XXXX in three more days. I called XXXX back and was told I could return it but they gave me no XXXX. I disputed the purchase with XXXX who Investigated (? ) it and said I had to accept the transaction. At that point I closed my account with XXXX that was XX/XX/XXXX. I called XXXX back to find out why XXXX contacted XXXX on XX/XX/XXXX and again on XX/XX/XXXX and they told me the account was frozen because I still owed the {$55.00} from purchasing the XXXX battery. I contacted my bank who sent XXXX a 'proof of proof of payment ' letter on XX/XX/XXXX. Apparently my XXXX account has been unfrozen because XXXX accepted a charge from XXXX on XX/XX/XXXX for {$120.00}. 
How do I close this 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 2019-05-11
Company: WESTERN UNION COMPANY, THE
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
HI I write to you today to help me find my {$1200.00} that I transfer to my wife via Western Union on XX/XX/2018, tracking number XXXX. I clearly declare to the cashier that the money needs to pick by my wife on Monday, XX/XX/2018, at any time ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX, FL XXXX. XXXX ml from my house. On Monday at XXXX my wife announced that she could not get the money because they don't see any money. I quickly called Western Union and they apologized for any inconvenient that they cause to me and I have to return after work to get my money back. After work, I went to Western Union at XXXX and spoke to the assistant manager who advised me to call Western Union again and he spoke with them. They gave me on Monday,  XX/XX/2018, another tracking number to get the money # XXXX. I went everywhere without success. I called them again on the phone and they told me they will investigate that case for 20 business days, when I called they said I have to wait until today I called a lawyer who sent them an email, they denied the letter. Now, I was watching the news and I saw that you can help find the money that the reason I email you all the information that can lead you on the right path. 
I had all ; my police report, my receipt. When I called Western Union on Monday They told me that somebody in XXXX took the money 3 hours after I finished to do that transaction, I told them how come because I specifically said to the cashier that the money needs to deliver on Monday, XX/XX/2018. Since today I am waiting for that money, I hope that you will help me out or I. 
Thank you, XXXX XXXX XXXX XXXXXXXX XXXX XXXX FL, XXXX Thanks in advance and may God Bless you and your team.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-13
Company: CURO Intermediate Holdings
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I got a loan from Speedy Cash, back in XXXX of XXXX. When I went to speedy cash all the tellers are behind a glass window. They explain the hypothetical amount you can get in an installment loan but not really how much an average, the interest or said payments would be. It goes by fast and they take longer verifying your information than they do explaining the numbers. For example, I was easily confused since the numbers were never written down for me until after I had signed the monitor, I didn't get that through the phone call they had me do, car title they had to register, that my interest would be 95 % equaling a little over XXXX + XXXX that would take 44 months to pay back in total. The Payments already being high, it's hard to pay extra. I managed to pay off my loan with another that had 70 % LESS interest. Even though I no longer owe them a dime, I would like to put a complaint, there should be set limits for loans such as these. I can't imagine how other people in an emergency like I had and perhaps being less stable trying to pay these off. It is outrageous. And should be looked into.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 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.

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 2017-05-26
Company: WELLS FARGO & COMPANY
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Wrong amount charged or received

Complaint:
My email was hacked and I received fraudulent wire instructions to wire money to my title company for the purchase of a home. I sent two wires, both to fraudulent accounts at Wells Fargo Bank. The first wire was for {$150000.00} and I received only {$140000.00} back. The second wire was for {$220000.00} and I received only {$210000.00} back. I 'm short {$13000.00}.
The second wire was red flagged by Wells Fargo 's wire department as a mis-match of beneficiary name and name on the account. They did n't match. I received a call from the Wells Fargo Fraud Transaction Support team indicating they had found this problem and that they would " block '' the funds and the recipient would not be able to use the funds. I was instructed to work with my bank that sent the funds to them recalled. I did as instructed and the funds were returned about a week later {$10000.00} short. When that happened I contacted Wells Fargo immediately and they said they could not tell me anything and that I needed to go to my bank because Wells Fargo would be giving them information. My bank said that had not received any information from Wells Fargo.
I want my funds returned to me. It 's a lot of 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
Consumer complaint received 2022-03-22
Company: EQUIFAX, INC.
State: NY
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:
Hey, Hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information or the authority to obtain my personal information on their own. They are in violation of FCRA 15 U.S C Section 1681. How did you get this information? I have tried contacting the credit bureaus and no one was able to help me, I was just being pass around to the department. Please investigate these bureaus and have them delete these fraud accounts from my report. Attached is my ID and my report I filed for identity theft because these accounts were not mine. Have them remove these. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22
Company: EQUIFAX, INC.
State: GA
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, 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-26
Company: EQUIFAX, 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:
My name is XXXX XXXX and I am a victim of identity theft!! Please add a fraud alert on my credit as soon as possible to stop this!! I was researching " The Fair Credit Reporting Act '' and according to them, block all fraudulent information off my credit in four business days, thank you!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-30
Company: Commonwealth Financial Systems, Inc.
State: IL
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I recently viewed my credit report from XXXX and found the collection account it. They did n't send me any notice neither a debt validation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation