BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-20
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: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$6700.00}, {$9000.00}, {$14000.00}, {$7900.00}, {$30000.00}, {$11000.00}, {$200.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$6700.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$9000.00} -This is not my account. 

3. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$14000.00} -This is not my account. 

4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$7900.00} -This is not my account. 

XXXX. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$30000.00} -This is not my account. 


-- CLOSED ACCOUNT 6. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$11000.00} -This is not my account. 


-- COLLECTION ACCOUNT 7. XXXX  XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$200.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-08
Company: Paypal Holdings, Inc
State: MD
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Deposits and withdrawals

Complaint:
Hi, I am an XXXX of an XXXX. I am writing to complain about PayPal 's unethical and potentially illegal business practice in regards to payment processing. My company manages and operates over XXXX. We used PayPal as a payment processor to process XXXX. Starting in XXXX 2016, PayPal started withholding 20 % of our funds for each sale as a reserve which is meant to cover chargeback transactions. We have since stopped using PayPal as our payment processor as we feel like this is excessive after reviewing our chargeback activities for the past 2 years. As of today, PayPal is holding over {$170000.00} of our 's and our client 's money. We are on verge of bankruptcy due to this business practice by PayPal as we are unable to pay our clients and our vendors. We are asking for the Bureau of Consumer Financial Protection to look into this matter and assist us in getting our money back. So that a business that has been operating for over 10 years does not go out of business.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I recently went though a divorce and was awarded the home. I called Bank of America to see what process I should take to remove my ex spouse from the home loan. I was informed that because I had no equity in the home that the only way to remove his name was do a home loan modification. I informed the representative that I am financial able to handle the note and did n't need to modify the payment. After talking to several representives they infirmed me that after the modification my ex name would be removed. While going through the process of modifing the loan. I was working with XXXX XXXX, who also informed me thay after modifying the loan my ex name would be removed. She also informed me to do a Quit Claim Deed.The following day I went down to court house and was informed that my ex had to file the Quit Claim Deed. I informed her of what I was told my the courts and she infirmed me to do the modification and his name would be removed. I did the modification to only find out that his name was not removed. I spoke with XXXX on several occations about this and she informed me to wait one year and do an assumption. I waited the year it and apply for the assumption and was denied. I called Bank of America and spoke to XXXX, XXXXr in the assumptions department. He apologized for the information that was relayed to me and informed that that under normal circumstances it will take one year for and assumption to take place ; but because of my situation I have to wait 2-4 years because I should 've assumed the loan and not modified it. I informed him that I did wait Bank of America representive told me to do to remove my ex name. Still it was n't anything that he could do to 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 explanation
Consumer complaint received 2016-02-10
Company: Robinson & Associates
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I 'm a XXXX was working for the XXXX that I was contract with, XXXX in XXXX ca. They did not pay me for my services I took a load from XXXX to XXXX and back. My truck broke down they advance me some money to fix it but on the way back they kept the rest of my pay and now they been reporting on my credit over {$6200.00} that I owed them. This is an abuse to my self as an employee of XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Money transfers
Sub-product: International money transfer
Issue: Wrong amount charged or received

Complaint:
On XXXX XXXX we did a wire transfer to a beneficiary we 've known for a long time, using the wire transfer services from Bank of America. This was not the first time we wired the same company. We have for many times sent money from the SAME ACCOUNT and TO THE SAME ADDRESSEE. And at all times except this XXXX our supplier got the money with no major issues. This time the money was NEVER received and Bank of America says that there is nothing they can do if the other part did not get the money. They suggest me to contact the intermediary bank! HOw come? Is with Bank of America I deal with! This is at Bank of America I deposit our money and " trust ''. How come they CAN NOT BE HELD RESPONSIBLE for a wire transfer service if they charge to do it??? 

This is the information on the XXXX : XXXX XXXX : XXXX XXXX, XXXXAccount Manager XXXX XXXX XXXX XXXX Number for XXXX XXXX Number I received XXXX from Customer Service @ Bank of America XXXX XXXX XXXX XXXX XXXX - Ext XXXX email is XXXXXXXXXXXX and my ph number is XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-16
Company: BYL Collection Services
State: DE
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
BYL Collection services did not provide adequate verification for debt question. No documents were provided showing a contract or signature.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
This dispute deals with Bank of America dealing with XXXX. XXXX was not able to receive a payment from BOFA. BOFA stated the best thing to do was to file a dispute to get the money back in my account and pay XXXX. While filing this dispute BOFA contacted XXXX and had a payment reversed from a completely separate account. This resulted in the account being closed and put into a delinquent status. The other account with XXXX still has not received their payment. I have contact BOFA and spoken with online chat support, fraud department, claims department, customer service. I have contacted XXXX and they do n't have a solution either, they say it 's all an issue with BOFA system.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-26
Company: WELLS FARGO & COMPANY
State: NC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My wife and I are 1 week away from closing on a house. Our original loan estimate stated a monthly payment of {$1400.00}. Well yesterday we received the Closing Disclosure ( CD ) which stated a monthly payment of almost {$200.00} more. The lender informed us the increase is due to the inclusion of city tax which he did not include in the original load estimate and an increase in insurance premiums. My issue is twofold. First, are the lenders not required to do the proper research for the loan estimate to determine what taxes are included? They clearly did n't and according to their response, " the actual property taxes are provided with the title search and that the closing attorney gets this information directly from XXXX XXXX and city. '' Secondly, we sent the lender the up-to-date insurance numbers at the beginning of XXXX and only now have we been shown how it changed the rate. We never received a revised loan estimate. Over the phone the lender told my wife that is not something they do. Bottom line, had we known the monthly payments were going to be the CD number, we would have backed out long ago and pursued another house. As it was, it was on the top end of our budget and now its over!

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 2016-09-29
Company: WELLS FARGO & COMPANY
State: WI
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I noticed a problem with my loan in XXXX XXXX but did not think of anything until XXXX XXXX when I was unable to make changes to my account. I was told that I was not on the account and that they could not help me. I have had these loans since XXXX and did not understand how this was happening. I called and got to an executive who explained to me that my social security number, name, occupation and address were for someone else and that I nothing to do with the account. This did not happen until the end of XXXX. I was told that I needed to drive to an office and verify my identity, which happened twice. I was told that they would not report my missed payments until they figured this out and that all the late payments I had received would be taken off up to XXXX XXXX. I talked with this person until XXXX, when nothing had been figured out or fixed, I contacted XXXX lawyers who did not help me and I made a police report about identity theft per lawyer advice. I was told that they would not report to the credit bureaus about the late payments because it was there fault.The company was constantly calling my mother, co-signer, and telling her to make payments or they were going to put it to collections. I called the company back last week to see if anything had been done to fix the situation and was informed that the other name was taken off my account. I talked with another executive who told me that he would try to get my loans out of collection, reverse the late payments, fix my rating with the credit bureaus and get me a letter explaining how and why the guys name was on the account. He called me back to inform me that they could not do any of that and that no matter what, I was liable for the debt. They have totally ruined my credit and my mother 's and made me have such bad migraines that I needed medication. They have lied to my mother and I and have not been helpful in trying to fix the situation. I tried to work with them and give them time to fix the problems but I am not getting anywhere. I just want to get this problem situated and get back on track with the loan or get it completely taken care of. I do not think this company cares about what they do or how it affects people.

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 2016-08-10
Company: Paypal Holdings, Inc
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
It turns out PayPal froze an additional {$3000.00} in cash. They went so far as to REVERSE a bank payout so that they could hold an even more absurd amount of my assets for an extravagant 180 days. Bear in mind that all of these transactions came from verified sources so the have absolutely no right to retain them for so long. there are no verification checks they need to do, no payment confirmations, everything has been approved and they are simply retaining my cash for an absurd amount of time. This is egregious.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-15
Company: WELLS FARGO & COMPANY
State: RI
Product: Debt collection
Sub-product: Auto
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had an auto which Wells Fargo repossed XX/XX/XXXX for late payments. In the year XX/XX/XXXX, I received a XXXX which was to claim income on this debt. 

After two years since then, the amount is remaining on my credit report. 

Is this proper? Can I get it removed as I am trying ever so hard to clean up my credit score.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-20
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I have a mortgage with Wells Fargo Bank ( represented by America 's Servicing Company ). I am filing this complaint because I feel that Wells Fargo is, without good reason, blocking my efforts to secure a modification of my loan while not honoring their part of the agreement with the government. I am a former XXXX and XXXX. My over dedication to XXXX lead to my disenchantment with the educational system. After XXXX, I concentrated on my XXXX, causing a marked decrease in income. After about a decade of reasonable success, business started to fade and I was forced to go into bankruptcy. I went from earning over $ XXXX/year to a $ XXXX/month social security check. But I only do essential spending and with a loan modificationwould be able to keep my home. I only pay for food, gas, utilities, XXXX and XXXX medications, and bankruptcy payments. I have very good health insurance. I am presently trying to develop some home based businesses. But very little income has been established from those efforts. I have no family or friends from whom I can receive financial assistance. 
For the past 2 to 3 years I have had to pay mortgage protection organizations and a law firm to help me save my home. In my search for help, I often read that Wells Fargo will be difficult to work with and would cause problems when it comes to securing a modification. When I am interviewed by orginizations that might help, they warn me that Wells Fargo might cause trouble. The person handling my case with the law firm that I hired said that Wells Fargo declared that even if I still had my retail business, the bank was still going to foreclose on my loan. Because Fargo has a reputation of putting undue pressure on clients facing legitimate hardships, is the reason why I am writing this letter. Please help!!! I bought my home over 20 years ago and have done business with other banks.

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 2016-07-20
Company: WELLS FARGO & COMPANY
State: SD
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
Someone deposited counterfeit into my checking acct. and the bank honored them. The money was withdrawn the same day. They are holding me responsible for all monies withdrawn. They subsequently closed y account and say I owe them XXXX plus dollars!!

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 2016-01-11
Company: WELLS FARGO & COMPANY
State: KS
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
When buying furniture for our new house, we got a nice 60 month no-interest loan with Wells Fargo through the store. After setting up automatic payments, which for some reason took months to start, a representative told me that it was set to pay the full amount of the loan instead of the monthly balance so we cancelled it and I set up a new automatic payment for the monthly balance instead. 

The next month, after making manual payments the whole time, I called in to check if the automatic payments were in place. The representative told me they would start the following month. Because I had spent HOURS on the phone with Wells Fargo, I asked, " So if I make XXXX final manual payment, I will never have to worry about it again? '' The representative assured me that was the case. 

Two months later. My manual payment took care of the month in between but when I logged in to see how it was going I was charged a {$25.00} late fee because the automatic payment was STILL not in place. It was unbelievable! A Wells Fargo representative assured me this would not happen. I called in, escalated the call, and the manager did not care. He told me it was my responsibility to ensure payments were being made and that he would not refund the fee. 

Knowing that troubles like this would continue, I just paid off the loan. It set back some financial plans I had over half a year, but I knew I did not want to maintain that kind of relationship with Wells Fargo.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-04-28
Company: WELLS FARGO & COMPANY
State: MA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
wELLS FARGO DENIED NY MODIFICATION STATING I DID NOT BRING IN ENOUGH INCOMEAND REFUSED TO TELL ME SPECIFICALLY /I HAD A DECREASE IN EXPENSES OF ALMOST XXXX DOLLARS PER MONTH .mY RENATAL INCOME ALONE XXXX PER MONTH WOULD COVER NEARLY ALL OF A HYPOTHETICAL NOTE WITH ALL ARREARAGES INCLUDED AT MARKET RATE .tHIS IS WROG I MAKE ENOUGH INCOME TO SUPPORT A MODIFICATION /I ALSO MAKE INCOME FROM A JOB .I BELIEVE THAT THIS WAS NOT DONE CORRECTLY .I HAVE RENTS OF XXXX PER MONTH AND AND AVERAGE MONTHLY SALARY OF BETWEEN XXXX AND XXXX PER MONTH.THIS IS UNFAIR AND HAS FORECED ME TO HIRE AND ATTORNEY TO BRING SUIT FOR A MODIFICATION AND FORCE ME IN TO A BANKRUPTCY SCENERIO.I WANT TO KNOW SPECIFICALLY WHERE AND HOW I DO NOT QUALIFY .HELP THEY ARE GOING TO FORECLOSE AND THERE IS NO WHERE ELSE TO GO.

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 2015-08-12
Company: WELLS FARGO & COMPANY
State: SC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Wells Fargo Home Mortgage charged an inspection fee ( for an unknown reason ) in XX/XX/XXXX, North Carolina law had some requirements about fees such as this that Wells Fargo failed to comply with. Around XX/XX/XXXX Wells Fargo mailed a check for the amount of the inspection along with an explanation that they where refunding the amount of the inspection to get them in compliance of this law. 
Wells Fargo charged interest on this amount for many years although they did not refund any of the interest and upon requesting they do so they said they do not offer any interest on fees collected in error, their error ( or non compliance ). 
Obviously this company will not loan money at 0 % interest nor should I, they had the money for 7 years to do what they wanted to. 
Now because they sent a check they fee as if this brings them in compliance, obviously it does n't, if a person gets a speeding ticket because they where driving above the posted legal limit but prior to and after that complies with the law thereafter this does not absolve them of their non compliance with the law, that being said, Wells Fargo Home Mortgage must be required to tender payment for the amount of the non compliance along with interim interest from the date of their non compliance to the date of payment in full. 
This does not absolve them of any fines for violating the state law, it does relieve them from any legal action I may bring against them. 
I will table this matter for 30 days or until XX/XX/XXXX whichever comes later, if they have not tendered payment in full I will take swift legal action, it is in their bet interest to resolve this matter as I will advise my council to request any legal action that may be taken to include a request to have the matter considers a class action.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-14
Company: 24 Asset Management Corp
State: IL
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
I received a phone call today from a man at area code XXXX XXXX XXXX XXXX XXXX. He was calling to tell me that he works for a company ( 24 asset management ) that purchased a past debt of mine, a XXXX mortgage loan from 2001. He also stated that he had previously sent an offer settlement to me to clear this debt from almost XXXX years ago. Which I have never received. He was very disrespectful on the phone and is breaking the law of the state of Illinois. This debt is far past the legal right he has to call me per the statute of Limitations.

Company response to consumer: Closed
Consumer complaint received 2022-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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:
Hi This is XXXX XXXX SSN ; XXXX, I sent you a letter last month and I was expecting to get a result or at least a response but until today ( XX/XX/2022 ) I still haven't gotten any. I joined an online discussion about XXXX credit repair online and I learned from some people that you were supposed to provide a response according to FCRA or I file a complaint. Please look into my issue because it's affecting my ability to obtain credit.

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