BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-09-08
Company: WELLS FARGO & COMPANY
State: NC
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Foreclosure sale date of XXXX needs to be stopped. 

I submitted a request for a modification on XXXX, almost a month ago.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
RE IDENITY THEFT FINANCIAL I am a XXXX senior widow in need of help that was compromised from 2 criminals that helped me in my home with paper work filings and organization 2 years ago I just found out, by bank of america that these individuals used my credit to buy NEW XXXX XXXX NOW IN DEFAULT OF {$41000.00} THRU BANK OF AMERICA FILING WITH : LOCAL POLICE DEPT DA OF CALIFORNIA PLEASE REFER OR CALL XXXX -- XXXX THANK YOU WORK ; XXXX CELL 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 2022-04-18
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
Transaction ID XXXX I am writing to convey my dismay with Paypal unethical money delivery practices. The amount was already deducted from my bank on XX/XX/22. 
When I sent the money I called and asked their service center and was told the delivery is immediate, however until today the transaction is still pending and money is not delivered. 
I called and requested cancelation and was told I can not cancel. Initially the transaction showed it will clear on XX/XX/22 and now it shows that it will clear XX/XX/22 THAT IS OVER A MONTH. 
If a company will delay a transaction they should prompt people before they send so they do NOT use their service ; not hold their money indefinity. 

With that said, I am requesting Paypal either release the money or make a full refund

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I have not applied for any cards or loans and I was told my ssn was leaked to the dark web.

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 2022-04-18
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
On XX/XX/2022, I disputed an account reported by XXXX XXXX XXXX XXXX XXXX XXXX in the file you maintain under my Social Security number. 
I was informed on XX/XX/2022, that the item was deleted from my credit report. 
Now I have discovered that the item has been reinserted on my credit report. 
In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days.I received no such notification. This is a very serious violation of the FCRA, and I reserve the right to pursue legal action for your blatant disregard for the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-18
Company: DISCOVER BANK
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint:
I get a judgement on my credit report filed by Discover Bank that I was not notified of. I request this illegal action to be removed from all my credit bureaus in a 5 days turn around. I completely disagreed with the method Discover used to put a judgement against me without any notification.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-18
Company: AMERICAN EXPRESS COMPANY
State: GA
Product: Credit card
Issue: Billing disputes

Complaint:
I am complaining against American Express ' ( AMEX ) " dispute transaction '' service. 

I ordered some draperies from XXXX XXXX XXXX XXXX on XXXX/XXXX/XXXX with 3 weeks lead time. XXXX charged the full amount to my AMEX account but did not provide any refund policy or warranty documents. 3 weeks late, on XXXX/XXXX/XXXX XXXX delivered the wrong specification. I disputed the transaction ( $ XXXX+ ) via AMEX . AMEX was fully informed the product was incorrect and I had provided a photo and document evidence but went ahead and paid XXXX. 

I also contacted XXXX directly on XX/XX/XXXX. The woman whom I dealt with came to my house on XX/XX/XXXX, tried to persuade us to accept the product, AND suggested that we hold on to the product for XXXX weeks to see " if we could live with it '', and if it did not work, we would receive full refund. 2 weeks later, on XX/XX/XXXX, I emailed her and requested to receive our full refund. Since then, they have refused to issue the promised full refund. 

After I launched the first and subsequent disputes, XXXX provided AMEX with bogus documents and testimonials from their workers/subcontractors. AMEX has rejected me a total 6-7 times ( this process has taken me 8 months ) without providing valid reasons or direct contacts to the dispute team. I had to re-explain my case and complaints EACH and EVERY time I call AMEX customer service. This was not only time consuming but also emotionally stressful. Finally, on XX/XX/XXXX, I was contacted by XXXX XXXX XXXX ( AMEX Executive Customer Care Office ) after I called and complained to AMEX NY HQ on XX/XX/XXXX. However XXXX XXXX unsympathetically said XXXX is their customer and they will not impose the refund because the express warranty is not written down. She also reiterated what the customer service agents had told me many times that AMEX does not really offer a dispute service, and that they merely relay messages to and fro between the merchants and the consumers. This service is completely mis-represented. I was reassured each time I called that AMEX will get my money back. Now 8 months have elapsed I am still to find out if this time wasted has any effect on the standing of my case if I were to purse other avenues. XXXX XXXX also reminded me that per the Cardholder agreement, the {$5000.00} is now my responsibility. 

So not only did I not get my product on time, or on specification, I also owe AMEX XXXX dollars. AMEX will accept XXXX ' bogus documents and deceitful business practice but not my honest words. They have taken me around and around a dispute process 6 times, only to tell me there is no such thing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-03
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I could not remember the password to my Venmo account and so I created a new one to replace the old. 
I did finally gain access to my old account and I was attempting to purchase Bitcoin through Venmo. However, I did not realize that you could not send Bitcoin out of your Venmo balance, so I exchanged it back into USD. 
In this process all Venmo accounts were frozen due to unauthorized activity. The funds in my accounts ( totally {$360.00} ) was unavailable to me until Venmo support could look into the issue. 
It has been nearly a week and a half and I still had not heard from them as to a solution. I sent an email today requesting status of the pending frozen account and I received an email stating they were going to permanently delete all Venmo accounts and the funds in the account would be unavailable to me. They would send an email in the future if the funds were available to transfer out. 

This is unacceptable. I understand that they ask consumers to only have one account, but for them to freeze my accounts and limit the access to my funds and then ultimately prevent me from accessing them at all, is not ok. I hope the CFPB can look into this because Venmo is not treating their customers in the way they should. The funds in the account are mine, not Venmos.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-18
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX # XXXX, has violated my rights 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-04-18
Company: Experian Information Solutions Inc.
State: FL
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 Account 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 an account without my written instructions

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 2015-04-01
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: WI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
In XX/XX/XXXX my mortgage co. sent an escrow analysis that forecasted my property taxes would be paid in full XXXX. I called them, they requested a copy of my property tax bill, which I sent. They sent another analysis that still planned to pay my taxes in full XXXX, thus not correcting the mistake. Tired of dealing with them, I just let it go, paid the additional {$120.00} monthly, and figured it would be resolved with this year 's escrow analysis. 
Fast forward to XX/XX/XXXX, I received a new analysis that plans to pay my property taxes in full XXXX times, with refund check attached {$850.00}. On or about XXXX I called their customer service line and the person I talked to said he saw the error, told me a new, corrected escrow analysis would be sent, and said I should not deposit the check I received, as a new XXXX would be issued ; I should receive it in 8 to 10 business days. As of today I have received nothing but a normal monthly statement. I checked online today and my next payment payable on XXXX XXXX is {$1200.00}, same as shown on the erroneous escrow analysis, and approximately {$270.00} more than it ought to be due to forecasting to overpay my property taxes by {$3300.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-30
Company: JPMORGAN CHASE & CO.
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Lender not willing to postpone the scheduled sheriff sale despite having a complete short sale packet including a buyer. My family has gone through much hardship and we are trying to do the best in this unfortunate situation. The lender is not cooperating or being fair

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
Company: EQUIFAX, INC.
State: FL
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 Account XXXX XXXX XXXXXXXX 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 an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-05
Company: Mediation Recovery Center
State: IA
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
Threatened to garnish my wages and said that my SS # was flagged.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed
Consumer complaint received 2022-04-18
Company: WELLS FARGO & COMPANY
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I received a call from a XXXX XXXX. The Person Identified as XXXX XXXX advised she would be visiting my home and workplace in an attempt to serve legal documents the next day. XXXX. Call received XXXX She advised that for questions or concerns I should contact XXXX, but did not identify the name of the company this number belong to. 

I contacted the number ( XXXX XXXX  ), and was advised that I owed a debt, do to a closed checking account with a negative balance. I have not had a wells Fargo checking account since XXXX. I am XXXX XXXX XXXX. 

This is the first time, I have been contacted about this debt, and a XXXX XXXX Credit Report shows me in Good Standing with a current wells Fargo XXXX account that was opened recently to replace my Carpet. 

I was advised that I could either pay the debt owned today XXXX or if I waited for the process server, and I would be responsible to additional legal fees, brining the total to XXXX. 

I asked the person identified as XXXX XXXX if there could be some sort of verification provided, such a a debt validation letter. I asked for the website and address so that I could send the letter, but was advised they don't give out their address, and they don't have a website. 

I was advised that XXXX would not be providing any sort of debt validation as apparently other debt collection agencies had tried to contact me about the debt, and therefore I was not entitled to verification. They stated an old address from at least 15 years ago. 

I contacted Wells Fargo bank and spoke to numerous departments, none of which could confirm the information being provided by XXXX. The last person I spoke with at Wells Fargo advised me that they believed this was a scam and should be reported. I recorded this call and so did wells Fargo. Call occurred XXXX from my cell XXXX around XXXX XXXX  XXXX. 

According to my own research, if this debt is true, it would be beyond the XXXX XXXX XXXX Statue of Limitations on companies filing civil suits based on debt. " Time-barred debt '' This regulation was added on XXXX XX/XX/2019 to the the FDCPA. 

On the call it was advised that the debt was owned by XXXX XXXX XXXX. I can not find a website, address or any other information for this company. 

If the original finical provider is able to confirm this debt, I would do the right thing and pay it, but Wells Fargo has no information on this debt, and based on what I have written here, they believe its a scam.

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 2022-04-18
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
In XX/XX/XXXX, I disputed accounts on my credit report that were inaccurately listed with only XXXX and Experian. This has caused undue stress in trying to remove this inaccurate information. This information appears from XXXX and keeps reappearing as a collection with a past due amount. 

In accordance with the fair credit reporting  XXXX XXXX XXXX account # XXXX and account # XXXX has violated my rights, which state that negative and outdated information can not reappear after it is found to be fraudulent and not validated.

15 USC 1681 section 602-A states that I have the right to privacy.

15 USC 1681 section 604-A section 2 states that consumer reporting agencies can not furnish an account without my written instruction or consent.

I demand that these accounts be removed from my credit reporting file.

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 2022-04-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
inaccurate information is being reported on my credit report with XXXX XXXX Transunion on the below accounts. i submitted a written dispute on XX/XX/XXXX via usps mail and have yet to get a response of any kind, they continue to report inaccurate information that is effecting me from obtaining credit. the accounts are below. 

XXXX XXXX - acct # reporting on Transunion shows XXXX - Acct # reporting on XXXX XXXX both inaccurate and do not match. 2nd reporting issue is they are still reporting ( payment history ) and this account has been closed since XX/XX/XXXX. XXXX XXXX Transunion continue to report inaccurate which is against FCRA consumer law. 

XXXX - acct # XXXX submitted first dispute on XX/XX/XXXX no response, this account is reporting payment history inaccurate as well, back in XXXX XXXX XXXX i paid ontime and XXXX reported that but XXXX reported " CO '' how can i be on time and late at the same time? they both reported this way from XXXX XXXX XXXX all the way to XXXX XXXX XXXX. 

XXXX XXXX - acct # XXXX - submitted first dispute XX/XX/XXXX the " Account Status '' is being reported wrong/inaccurate by XXXX &  Transunion , this account was PAID IN FULL XX/XX/XXXX and all XXXX comments state that it was paid but XXXX & Transunion reporting account status " Derogatory status '' which is totally illegal and inaccurate. they are in violation of FCRA this must be updated or account deleted at once. i havent gotten any response from either credit agency.XXXX is the only one that reported accurately with " paid '' in account status. this is effecting me from obtaining new 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
Consumer complaint received 2016-07-05
Company: WELLS FARGO & COMPANY
State: MA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My ex filed a bankrupty procedure back in XXXX 2015. Unfortunately, I had not yet moved the mortage into my name alone. now his bankruptcy is keeping me from paying my mortage. I have tried repeatedly to reach out to Wells Fargo so I can continue to pay the mortage, which I had been paying on my own for over XXXX years until Wells Fargo stopped deducting the auto payments from the account. Now, now one will speak to me at Wells Fargo. The bankruptcy that my ex filed is ruining my credit as Wells Fargo is reporting the debt as outstanding on my credit report. I have called wells fargo and have given them the acct several times and have asked that they deduct the payments and nothing, the money is just sitting there.

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 2022-04-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 Account # 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 an account without my written instructions

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 2022-04-18
Company: JPMORGAN CHASE & CO.
State: AR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
They are unable to follow instructions. My husband got an unknown number call from them ( he is not even listed on this account ). They called late on Friday and gave a number that they do not answer. 
They need to call the number listed on the complaint with a listed number ( so it will get answered ) and if needed leave a number that will get answered when I call back.

Company response to consumer: Closed with non-monetary relief