BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-13
Company: I.Q. DATA INTERNATIONAL, INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
IQ data International didnt purchase collection account they are just trying to collect. I dont have a contract with this collection agency. The original creditor is closed indefinitely and they charged off the account and filed it as a loss on their taxes. The contract IQ data so call has is null and void. IQ data needs to provide more reliable information than a bill summary to prove this fraudulent collection on my credit file. The original creditor is closed down theres no way to contact the original company due to them bring closed down. IQ data has yet to provide sufficient information they need more documentation instead of trying to provide fraudulent information from a company thats no longer in business to acknowledge the fraudulent information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-13
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited over {$52000.00}. In Chase Cashiers checks and they are refusing to give me my money although my address and Identification have not changed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-03
Company: WELLS FARGO & COMPANY
State: CO
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint:
Had a business credit card and business assets with wellsfargo. Small business. The company folded at which time we found an employee had run up debt on the credit card. Was called several times by wells and we explained we were pursuing compensation for the debt and selling assets, but we had to resolve before we pursued. Was advised to hold off paying. Lawyer filed paper work with Wells branch explaining the situation. Wells debt collector called and said they had to be paid. I said I needed to speak to my attorney and would get back to her on how we thought we would resolve. After that phone call the agent withdrew the money from XXXX of the partners wife 's account. He has a separate account at a separate bank. When I called the debt collector she said she was angry because I hung up on her and she could do what she wanted. 

I asked for name or agent number she refused to give. Asked to speak to her manager and he also refused to give a name or agent number. Advised we would be removing all accounts said they did not care. 

Called the branch and they had the paper work filed by lawyer but apparently had done nothing with it.

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 2016-07-13
Company: WELLS FARGO & COMPANY
State: WI
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
In XXXX of XXXX I submitted a written request to Wells Fargo to have the property tax portion of my escrow account payments disbursed when payments are due rather than annually, as is allowed per Wisconsin Statute XXXX paragraph XXXX due to my fulfilling the requirements of XXXX paragraph XXXX. I spent countless hours on the phone will all levels of customer service, who insisted that I must adhere to a single tax escrow payment annually. Only upon citing specific sections of Wisconsin and Federal statute did Wells Fargo agree to follow the law. 

XXXX taxes were disbursed without incident, however upon receiving my escrow account analysis for XXXX I noticed that Wells Fargo disregarded this requirement in XXXX. In XXXX XXXX, Wells Fargo disbursed the entire property tax payment in XXXX rather than in two installments per my written request. In addition, they miscalculated the actual amount of property taxes due, and based the new escrow analysis on annual taxes of {$3700.00} rather than my actual taxes which are {$2400.00}. This early payment combined with the wrong tax amount caused a shortfall in my escrow account, which Wells Fargo is attempting to recoup by increasing my monthly payment. 

If the correct disbursement terms had been followed, the escrow analysis would have found there is more than a two month surplus in the account which is the maximum cushion allowed under Chapter XXXX of RESPA.

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 2022-05-16
Company: Experian Information Solutions Inc.
State: NE
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 was taking advantage of due to malpractice while several laws were being broken under the fcr by your company.This has caused me financial injury defamation of character, I cant apply forr jobs and i cant apply for credit i cant even get a sba loan or any thing like that due to the pandemic under this crisis you have hurt my ability to obtain credit.My children and i are suffereing, and my family have made a mockeryand my community has looked down upon me .I refuse to convert back to my old ways that cost me years in prison for breaking laws just like your company has done.I am ashamed of the things i am going through and it is a nightmare for me and my loved ones.I have turned a new leaf transitioning into society to do the right thing just to be violated by company career criminals that have taking advantage of me at my lowest poinjt.I am beyond fed up and i am willing to take this issue to the furthest exent of the law if a remedy is not presented under the federal law and uniform commercial code.

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 2016-04-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Attempted to/Collected exempt funds

Complaint:
I paid my account to less that XXXX $ by XXXX of 2006. I am currently in XXXX of the first full-time employments that I have had since, and am only several months into such employment after a severe assault. As a crime victim, I believe I have victim rights to protect me against unfair garnishments and levies. Additionally, the collection agency did not submit due process in writing. The collection agency also has previously harrassed me by telephone. I believe that the collection agencies has conducted illegal searches to find my current financial information. The collection agency is trying to levy $ XXXX to the financial institution directly and, when telephoned, I am being told by the collection agency that the balance is well over {$2500.00} and that that is the amount to be paid unless paid in an unreasonable time frame and in large amounts. And that this is all due to " interest '' ( which I know to be illegal in the state of California, where the debt was incurred and where the collection agency is located ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : 14 XXXX XXXX, XXXX XXXX, XXXX, XXXX. XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX/XXXX XXXX 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 2020-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I had 4 acts with XXXX XXXX secured credit cards that were paid off after collections filed and I have receipts to prove this. Ive reached out to all 3 major credit reporting agencies and to XXXX XXXX and their collection agency XXXX And no response or one waiting for another using excuses. Ive tried for 3 months. Paid in full.

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 2015-08-31
Company: WELLS FARGO & COMPANY
State: NC
Product: Mortgage
Sub-product: Other mortgage
Issue: Application, originator, mortgage broker

Complaint:
I received my approval letter from Wells Fargo for a mortgage on XX/XX/XXXX. I 'm on XXXX and have been since XX/XX/XXXX. They kept telling me that I needed a job to qualify. I work a part time seasonal job for the IRS. I usually start work in XX/XX/XXXX, but my job said going forward i will start in XX/XX/XXXX WF was going to give me a XXXX day extension to get a paycheck to qualify when i start next month. Because I can not start until XX/XX/XXXX, they declined my application Friday XX/XX/XXXX and closed it. This was after starting the loan process way back on XX/XX/XXXX. The only debts i have are XXXX credit cards totaling less than {$400.00} between the XXXX, thats it!! And my XXXX is XXXX monthly. I 've paid them {$620.00} for the appraisal and also paid XXXX homes {$1000.00} for a deposit. I knew before even applying that they could use just my XXXX income, but they kept telling me " no '' you have to have a job. Who was I to question the loan officer, they should know this info more than I. I 've had issues with the loan XXXX from the very beginning, by him not answering my emails or phone calls. I complained about my treatment to Wells Fargo 's board of directors on XX/XX/XXXX and have spoken with XXXX XXXX. She was great in following up with me and after that..the loan officer finally sent me an email giving me the steps of the mortgage process, because I never knew what was going on. I sent Wells Fargo an email yesterday stating that I will pursue a lawsuit if they do n't reopen my application and move forward with the loan. She called me this morning because I had left her a panic stricken phone message on Friday, thats the day the loan officer called me to say they declined my application. She was n't calling about the email, but the phone message i 'd left. She said she would try to hunt down that email and then get back with me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-03-11
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Settlement process and costs

Complaint:
This is another concern with my Wells Fargo Modification Agreement, copy submitted in CFPB case # XXXX on XX/XX/XXXX. 

My Wells Fargo case person for this modification was XXXX XXXX, that required I remove my brother from my deed, which was only beneficiary reasons, being widowed and XXXX, and fax a recorded copy through a WF branch, before any Loan Modification agreement could be done. I did this on XX/XX/XXXX see att 'd. 

When this Modified agreement came with my brother name XXXX XXXX on it, I contacted XXXX, he stated their was n't enough time to resend to meet the XXXX XXXX deadline. Agreement dated XXXX XX/XX/XXXX sent via mail to me told not to sign and returned Mail Workflow show XXXX XXXX. He said his name would be automatically dropped with the Quit Claim Deed recorded XX/XX/XXXX 

This has never happened, and know XXXX in Payoff or Preservation over the four ( 4 ) years have been able to resolve.

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 2020-06-13
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Dear, As veteran and XXXX person on fix income and Small business owner and trying to survive Im very disappointed with Citibank, on XXXX XXXX, I made cash Teller deposit to my business account and wrote check from It and deposit it in my personal checking and the fund were removed from the business account and two days later the check was returned NSF so I called small business Citibank and it discovered It was an error credit the fee {$35.00} and transfer the fund back to my checking account and apologized for the it but Citibank the charged additional fee {$12.00} for returned check but they didnt credit It even though the teller made the error and she was the one took the fund from the account and to other I made cash deposit write check from It and deposit to my personal check and everything was authenticate but It seems Citibank violating the FDICs guidelines and It is fraudulent and unethical imaging what they are doing to others consumers and they have to apologize for waisting my time. Citibank withdraws the fund from saving account and transfer It to personal checking.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-13
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 recently looked at my credit report and noticed some things that I believe to be wrong. 
I reached out to the credit bureaus to do an investigation on my report. I sent a XXXX letter in on XX/XX/2020 and never heard anything back. So I sent a 30 day comply on XXXX and I've yet to get any feedback on my investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-21
Company: Ocwen Financial Corporation
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
OCWEN has engaged in fraud as it relates to my mortgage loan and fail to follow statutory guidelines pursuant to FHA loans that require a face to face meeting for loan modifications.. They have delayed modifying my loan three years even though I sent all required documents to them three separate times. OCWEN intentionally delayed so that they can foreclose on my loan. I am now in foreclosure and afraid that I will lose my home for sixteen years. This is utterly unfair and should be crime to allow them to treat minorities this way. I believe they target the minority community and defraud them and violate their rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-10
Company: Frontline Asset Strategies, LLC
State: IN
Product: Debt collection
Sub-product: Payday loan
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
FRANTLINE AND XXXX ARE VIOLATORS OF THE : " DODD-FRANK WALLSTREET REFORM AND CONSUMER PROTECTION ACT. '' 11 COUNTS OF AGGREVATED CREDIT REPORTING FRAUD WITH XXXX AND XXXX IS A CRME. 
7 COUNTS OF F.C.R.A. 
16 COUNTS OF T.C.P.A. 
18 COUNTS OF F.D.C.P.A.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 recently looked at my credit report and noticed some things that I believe to be wrong. 
I reached out to the credit bureaus to do an investigation on my report. I sent a XXXX letter in on XX/XX/2020 and never heard anything back. So I sent a 30 day comply on XXXX and I've yet to get any feedback on my 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 2020-06-13
Company: Paypal Holdings, Inc
State: NM
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I had a Paypal Mastercard and paypal opened a cash card account that I did not want.

I came to find out the Paypal Mastercard was actually managed be XXXX and not Paypal.  The paypal cash card account was setup to withdraw money from my personnel bank account with XXXX XXXX, I did this thinking it was all one Paypal system. 
The charges I was putting on the XXXX card account kept going to the Cash card account and XXXX was withdrawing money directly from my XXXX XXXX checking account causing my checking account to go over drawn costing me overdraft charges. 
I closed the Mastercard On Monday XX/XX/XXXX since XXXX was putting all the charges on the cash card account. 
I dreXXXX money from another account and placed it in my XXXX XXXX account and sent a payment to the XXXX cash account so I could zero the amount due and close the cash card as well. The amount did transfer and I continue to get charges from Paypal. I have spent hours on the phone trying to communicate with them but can't get past the automated helper. I got on a chat line on Wednesday XX/XX/XXXX All they could do was give me an email to the accounting dept https ; //paypal.com/us/smarthelp/contatus? email=privacy. I sent an email requesting the account be closed immediately as it was destroying my bank account. 

The problem is Paypal withdrew {$3400.00} dollars from my bank account for a reoccurring {$15.00} donation to XXXX XXXX. They over charged me by {$3400.00}. 

Also note that this item is inactive in Paypals home site ( see attached )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-16
Company: LD Holdings Group, LLC
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I been getting calls for a month from Loan Depot after asking them to stop calling my house more then five times. They keep saying they will put me on the do not call list but the calls keep coming.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-06
Company: WELLS FARGO & COMPANY
State: CO
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
XXXX XXXX I was trying to purchase XXXX pair of XXXX shoes. While, process the transaction it continued to decline my transaction. I contact Wells Fargo to see why it was not going through, as I had plenty of money in my account due to income tax returns. I decided to pull my account up online and saw I had XXXX withdraws in the amount of {$420.00} a total of {$850.00}. My balance before the transaction was made was {$2200.00}. I decided to transfer the majority of the funds into my sons account leaving a total {$360.00} remaining. When the male representative came on the line I explained what happened he stated it was a security issues they wanted to make sure I was the one allowing the transactions and he could allow the transaction to go through. Unfortunately with me transferring the funds into my sons account and leaving only {$360.00} on the account I was not able to make the transaction go through. I asked the young man about the pending credit of {$850.00} and when it will be deposited back into my account he informed the funds from the transaction will deposit back into my account in a few day. I then informed him I will go ahead and may XXXX transaction for the shoes out of the Wells Fargo account and buy the other pair from my son 's account. I checked my account Monday/Tuesday and notice it was still a pending credit. I checked Wednesday night and notice the {$850.00} was no longer there as a pending transaction nor back into my account. I immediately contact Wells Fargo who stated they had no record of the transaction and they keep no notes. I was then told I never had the funds available which is why I do not see it. I requested a manager and requested for her to listen to the call since there were no notes. I also requested a phone call back in regards to this matter after the call was heard. I have yet to hear from anyone and no one would like to discuss the matter. I 've filed a complaint with your office and still dispute the answer given by the bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-13
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
my personal information has been compromised due to XXXX data breach. I notice multiple accounts showing on my credit profile I never opened

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 2020-06-13
Company: ERC
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Incorrect collections on my CR especially XXXXn and XXXX. 
Enhanced Recovery Company Original creditor XXXX {$240.00} Item was returned on XX/XX/XXXX. 
This was regarding a equipment device that was returned XXXX years ago. This collection takes it off then puts back. All other CR have removed it. I have submitted showing the date that it was sent back to company in their prepaid envelope. See enclosed documentation XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$400.00} Colonoscopy that insurance paid included in preventative maintenance plan in XXXX. All other CRs have taken this off except XXXX

Company response to consumer: Closed with explanation