BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-06-10
Company: HUNTINGTON NATIONAL BANK, THE - FIRSTMERIT BANK, N.A. BRANCH
State: OH
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
My husband and I have been trying to get a payoff on a RV loan faxed to XXXX in XXXX, Ohio from First Merit Bank in XXXX, Ohio for the past 10 days. We are senior citizens and have decided we are getting too old to be hauling an RV everywhere. We have an interested young man who wants to buy it. His loan has been approved through the bank in XXXX. The bank requested the payoff in writing be faxed to them from First Merit. After numerous phone calls requesting the fax be sent, they are now telling us only XXXX handles that and she is out of the office. They wo n't give us XXXX supervisors name. In the meantime we have had to turn down XXXX prospective buyers because we think it is sold. Our buyer is getting impatient because he needs the RV for his business travels. Seriously 10 days to figure a payoff which the computer will do and fax a document? That 's really inefficient and unprofessional. We 've had payoff information faxed from other banks recently and they all did it while we were on the phone with them. First Merit is going to cause us to lose the sale on the RV. And we 've turned other prospective buyers down.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-12
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
In XX/XX/XXXX a false tax return was filed as a joint return in my name and someone elses i followed all procedures for reporting identity theft with all federal and local authorities. There is numerous false delinquent debts listed on all three of my credit reports i did previously contact one of the credit agencies nothing was fixed. In XX/XX/XXXX i received another attempt of id theft allegedly the IRS stopped it the thief was found and convicted yet nothing has been fixed on my credit reports preventing me from loans a house and several jobs. All documents supporting my case are available as public information from the federal case against the convicted individual who stole my identity

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-03
Company: EQUIFAX, INC.
State: OK
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I filed a dispute with Equifax because they are reporting my bankruptcy us XXXX bankruptcies under public records which has caused my credit score to drop significantly. I provided documents in their original dispute showing that my bankruptcy was discharged in XXXX 2015 and that I in fact only have XXXX bankruptcy I attached screenshots of how they reported it three weeks ago to now and also how XXXX is even reporting it just XXXX as that is the case I file bancruptcy once and it has been discharged once m, not twice.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-09
Company: Seterus, Inc.
State: OR
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Sent my payments back and said could n't locate account. Its the same account I 've always used. Charged me late fee and ruined my credit report so I can ' refinance. They said they would remove late fee but ca n't fix my credit raiting.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-07
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I have, for the past 4 years tried to get an Equifax Credit report. I have had no problem with XXXX. It seems that a whole lot of people are having the same problem. After you input the info ( on XXXX ) instead of getting a report you get a page that says one can not be issued online and you have to mail a copy of your drivers license, social security card, paystubs etc. and they will mail you a copy. I did that last year and I still have not received a response and I feel acutely uncomfortable mailing out such private information and have no idea who now has it. On top of it, when you go to their website, they give this number : XXXX EQUIFAX. Now, if you notice, that is too many numbers. It seems to me that they do not want to issue a yearly report, much less talk with anyone about it. I went in on an open forum and XXXX people are having then same issue with them. Please investigate as to why they are making this impossible to do. They are being remiss in their obligation to a free annual credit report. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-20
Company: Payfare International Inc.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Dear Staff at CFPB, I experienced fraudulent transactions on my XXXX  Mastercard which happened on XX/XX/2021 while I was asleep. I'm a currently a XXXX driver and I use their card that they provide to drivers. It is a Mastercard through XXXX XXXX  which XXXX use for their drivers to get their money to be deposited to their card after every ride. 

I have filed and call on multiple occasions for the amount of {$1000.00} to be refunded back to my account and they are refusing to refund me on time. They kept mentioning investigation takes 60 days through the XXXX compliance team before they can refund me, and it's been since XX/XX/2021 and it's XX/XX/2021. 

Those chargers were not made by me and I XXXX search the merchants myself and they don't exist at all. They mailed me a new card but I have not get my refund back yet. 

I found out through their representatives that their financial institution is not FDIC insured. 

Those fraudulent transactions were made by a merchant called ( XXXX XXXX ) Merchant name : XXXX XXXX : {$6.00} {$220.00} {$6.00} {$220.00} {$16.00} {$540.00} XXXX {$1000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-21
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: NJ
Product: Payday loan
Issue: Can't contact lender

Complaint:
I continue to get an email from XXXX about a warrent for my arrest and seizing my bank acct. I have email back several times for them to Mail the information to my house because Ive contact the PayDay loan company XXXX that I did borrow money from and they have refused to mail me anything but continue to harras me through email. They say they are XXXX.online XXXX related company. When I speak to them they want me to buy a prepaid card to make the payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-22
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
I would like to know how does the credit bureau maintain your credit score. I paid off several credit cards last month and I see that the accounts are showing paid in full on my report. However, my credit score is extremely low and I recently tried to refinance my car and was given a higher than usual interest rate, which should have been the reverse since I paid off the majority of my loans and credit cards. I need to know how do the bureaus keep reporting low credit scores when it 's obvious the debts are paid. I have no collections, no judgements and few inquiries. I once read that credit bureaus make more money when people have low credit scores. If this is such, then the whole fair credit reporting act should be thrown out the window when Credit Bureaus are allowed to report inaccurate scores.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-06
Company: Seterus, Inc.
State: MI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Seterus mortgage company is the worst, most frustrating company. They have increased their monthly premiums {$300.00} since XXXX XXXX XXXX sold me to them. Interest rates are rediculus. Hard to reach a human being for any help. Have been hung up on. They have screwed up on so many occassions ... so frustrating. I tried to set up bank withdrawals which they screwed up, late fees acrued and dock to my premium ( not my fault ). They tell me taxes must be in mortgage until XXXX % of mortgage is paid off, interest applied of 6.125 %. 

XXXX, XXXX XXXX. XXXX, XXXX XXXX, mi XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-20
Company: Penn Credit Corporation
State: DC
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was billed by the local electric authority ( XXXX ) for the balance of a bill I did not know that I owed ( I had moved away from the apartment in question several months prior ). I received a letter from XXXX that was forwarded to my new address and I paid the bill, directly to XXXX, on the final day that it was due ( XXXX/XXXX/15 ). 

About a week later I received a letter, issued XXXX/XXXX/15, from PennCredit attempting to collect the debt on behalf of XXXX. I called PennCredit at their listed number on XXXX XXXX. I explained that the bill had been paid, and the person answering the phone assured me that PennCredit would verify this with XXXX and that I would need to take no further action. She told me that PennCredit would be unable to verify that the matter was settled in writing. 

Today, XXXX XXXX, I was informed by my stepmother that Penn Credit repeatedly called my father and stepmother 's house, seeking to contact me. I have not lived in the same household as my father for 17 years. I called Penn Credit to ask why they were continuing to follow up, and the person answering the phone was only able to tell me that she had a record that the debt was paid, as well as a record that the phone call had been made, and did not know why my record was still being called, as there was no outstanding debt. She was unable to provide any kind of additional confirmation that I should not longer be contacted ( really, I should not ever have been contacted in the first place ) and that this would not happen again.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-04
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: TX
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I borrowed {$5000.00} from Springleaf Financial for 4 years at 25 % interest to reestablish credit. They are now showing my balance not the statements and my credit report to be {$9300.00}. I called to get an explanation and they claim that that will be the total that I pay should I pay it off in the time allotted. I explained that their reporting is incorrect, they should only be reporting the amount borrowed. I called to get copies of my contract on XXXX separate occasions and they still have n't sent those to me. You are only granted access to your loan documents online for XXXX days, after that you are locked out. They claim I signed something agreeing to my balance being over $ XXXX rather than the $ XXXX borrowed, I was never asked that question, why would I agree to that? When I took out the loan, the rep reviewed the paperwork on her computer screen and just ran thru the documents quickly, she later brought out copies to be signed and told me they were identical to what she had gone over on the screen. She also told me that the loan came with credit life, unemployment and XXXX insurance as part of the loan. It was presented as mandatory, turns out I 'm paying a fee for that as well,

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-28
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
Reported that XXXX XXXX XXXX XXXX and XXXX loan service are both listed as the the creditor on my credit report this can not be. Please help me with this issue as EQUIFAX said that this is correct and investigation is complete and correct. Thank you so much.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-17
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
According to XXXX, a bill has been sent for collection, The bill was for an XXXX service that I never asked for, received, or paid. The case ( XXXX ) was filed with the Court Clerk, XXXX XXXX County, IL XXXX and dismissed for lack of evidence. A copy of the court transcript if attached. This bill never seems to die. It bounces from one collection agency to another even though the case is closed. My XXXX dropped almost XXXX points recently because this false bill was sold to another collection agency. I 'd like the error fixed once and for all.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-20
Company: BARCLAYS BANK DELAWARE
State: MO
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:
Issues with making payment due to current Covid environment resulted in an insufficient funds fee. Barclays customer service was not willing to refund fee. Very disappointing that Barclaycard is not helping-assisting people during this difficult time.

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 2015-07-15
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My wife and I borrowed to buy our home from XXXX XXXX XXXX XX/XX/XXXX. She passed away suddenly on XX/XX/XXXX. My mortgage had been purchased by Wells Fargo Home Mortgage several years prior. The people denied all help and even made reference to my XXXX marriage saying I could use my " XXXX '' as an excuse to blame their treatment of me after my wife of almost 20 years passed away. The person that make the insulting statement was XXXX XXXX. He spelled it for me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-05
Company: NAVY FEDERAL CREDIT UNION
State: TN
Product: Credit card
Issue: APR or interest rate

Complaint:
I had a credit card with Navy Federal Credit Union, XXXX. XXXX XXXX, XXXX, VA XXXX. We tried to pay off the Credit Card, but they had increased my percent to 18 % so that my yearly interest interest XX/XX/XXXX was {$860.00}. I had to take out another loan at 3.14 % to pay off Navy Federal as I was never going to make Navy Federal schedule. My family had medical due XX/XX/XXXX which we managed to pay off but at the expense of missing a few monthly payments to Navy Fed. I asked Navy Fed. to reduce my interest, but they refused. I felt that as a XXXX Veteran they would oblige a lower rate after I asked. They did not. My account with them has since been closed as of XXXX XXXX. I am filing this complaint because I believed that Navy Federal could have reduced my 18 % to a more manageable rate as I was in troubled financial times.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-08
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
they have reinserted deleted information on my XXXX report and claim they can not fix it period i have been battling for years to get the right information reported good things and they have just did my credit report wrong They put XXXX inquires that where removed on my report they added bad accounts i think all this was done purposely i have proof of what my accounts look like when they wiped it and when they jacked it below only thing that supposed to be on my XXXX is my good reports from XXXX and my XXXX card superior fc those account are wrong to they need to be fixed. but thats it XXXX was removed they added it back XXXX XXXX was sued and lost the added that this is just illegal! i have proof where this people just play with my credit report! span over a 3 year period

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I noticed some accounts on my credit report that i have no knowledge about.

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 2021-03-20
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Spoke with Fraud Dept. 
Requested closure for last time XXXX XX/XX/2021 Directed to call this day contacted XXXX More fraud/suspicious charges on this account

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-01
Company: WELLS FARGO & COMPANY
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Back in the fall of 2015, I reached out to Wells Fargo to see what they could do to help my financial problems in being unable to make my mortgage payments. I had been unemployed and underemployed several extensive periods over the last 3 years. I asked if they could stop my payments for a period of 6 months as I felt I was soon going to receive good employment. I did at the very end of the 6 months get a good job. I reached back out to them and stated that I have employment and asked if I could get my payments restarted. This is when things changed. I was lead to believe that this was a simple 6 month period for me to get my finances straightened and then to restart the loan. Suddenly they 're asking for financial documents and talking about making an offer to my current loan. I was confused, but went along with the process. I was told I had until XXXX XXXX to make a payment, except now I 'd be a part of a loan re-modification. My offer was 40 years at my current 5 5/8 % rate and that my payment would go down $ XXXXmonth, but now my loan amount was more and for 40 years. I was pressured into agreeing to this. They said that they 'd need additional documentation in order to possibly make me a different offer. The problem is that my ex-wife is dragging her feet on a quit claim deed she needs to sign from the divorce and now I feel like I 'm stuck and Wellsfargo has not been helpful in getting me into something that 's realistic. Plus i feel like they 've been extremely vague and difficult to understand. It 's like they want me to fail so they can foreclose on me. This experience has not been nice nor professional and I need some help before they take my home. Please 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 2016-04-27
Company: WELLS FARGO & COMPANY
State: OH
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I filed bankruptcy in 2009 but reaffirmed my mortgage with Wells Fargo. I have paid on my mortgage as agreed since reaffirming but Wells is not reporting my payment history to the credit bureau. They show the mortgage as a foreclosure with a XXXX balance. I have applied several times to refinance my mortgage but keep getting turned down because my account with Wells shows as a foreclosure and no balance. My current rate is over 6 % and ca n't help believe that Wells is doing this on purpose to prevent me from re-financing my debt to get a lower interest rate. I have contacted them several times but they keep telling me they are not required to report my current payment history to the credit bureau. I wonder what Wells would do if I stopped making payments on my mortgage loan. Do you think they might find a way to report my payment history then?

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 2023-02-27
Company: Paypal Holdings, Inc
State: OK
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/2022, An electronic item was sold in person. XXXX XXXX was the community where the exchange was arranged. The transaction was made between the buyer and seller in person. The buyer received the item, while the seller ( me ) received the payment on PayPal. A month later, the same person who sent the payment decided to dispute the payment. They claimed that they did not authorize the payment. Afterward, PayPal automatically took back the payment that the buyer originally sent. I reached out to paypal and they said that they could not do anything since the buyer had " rights ''. I ended up losing the Item that was sold and the payment that was originally sent. The original amount sent was {$700.00}. In the following attachment, the note that was left on the payment was " XXXX for XXXX  thanks ''. This transaction was made on XXXX XXXX XXXX In the other attachment, there is a review left by " XXXX '' on the same day it was made. This shows that we did indeed meet as he is able to leave a review AFTER the transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
In early 2013, I called Bank of America to inform them that I will not be making a payment that month and that I would like to close the secured credit card account. The funds would 've covered the entire outstanding balance due and the remainder of such should 've been refunded to me as I was informed by the representative. To add insult to injury, additional interests and fees were assessed to the account until it was " charged off ''. I came to know that the account was never closed as requested when I recently ran my credit report. I have made numerous attempts so that the situation could rectified to no avail.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-19
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
failed to correctly apply payments to accounts, steered struggling borrower into paying more than was owed, hurt the credit of XXXX borrowers

Company response to consumer: Closed with explanation