BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-04
Company: WELLS FARGO & COMPANY
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I have a checking account with Wells fargo that I use on occasion only as I have another checking account with XXXX that I use as my main checking account. Its because of this infrequent use and the fact that I do not ever audit my monthly statements for unauthorized charges that I didnt notice countless charges from " XXXX '' on my account going back months. When I did finally find the charges because my account was negative, I filed a dispute with wells fargo and was told I had nothing to worry about, and that I wasnt responsible for unauthorized charges. Well apparently that was a lie, for some reason I was only given a temporary credit of about {$1000.00}, when the charges were in excess of {$6000.00}. When I looked into the dispute online, it shows that some of the transactions I was given a temporary credit for, but the vast majority of the transactions showed as " closed '' Which made no sense to me, as I had only filed the dispute literally a day or so prior, it was like they were instantly decided to not be fraudulent without any investigation what-so-ever. From my own research, this is in violation of the Reg E laws in which I was suppose to be given a temporary credit in 10 business days. How could I get a temporary credit for some of the transactions but NOT some others? Seems like wells clearly closed these transactions without any investigation AT ALL. If I have to I will have my lawyer file a suite based on the reg E laws and Wells Fargo 's violation of them.

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 2023-02-04
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Continuing to verify XXXX XXXX collection account as 120 days past late with an XX/XX/2022 late payment. This is false. I have not entered into a payment agreement with XXXX XXXX. XXXX can not mark my collection account as 120 days past due. They are not creditors and I have no payment plan with them that would allow them to continue negatively impacting my credit with this lie.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27
Company: GOLDMAN SACHS BANK USA
State: NC
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
One day I tried to transfer money to another saving account with another bank called XXXX XXXX because they were offering a higher APY. During this process, I also updated my address on the account because I recently moved and did not want them sending statements to my old address. I never had an issue with transferring my money with any other bank, and this is the first bank that locked my account. When I try to contact customer service, they keep transferring my calls and hanging up on me. They said they needed to verify my account by sending me a code but said I needed an alternate phone. I told them I only had one phone and one phone number and asked if I could use my husband 's phone, and they said no. I asked to speak to a supervisor, and they kept hanging up. It is very unfair I cant access my own money just because I wanted to transfer it and update my address. I gave them all my personal information, and they still will not unlock my account. It has been over two weeks with no access.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09
Company: Block, Inc.
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/2023, I made a payment in the amount of {$170.00} to my auto lender XXXX via Cashapp. XXXX claims they have not received this payment. I contacted Cashapp support on XX/XX/2023, to provide a proof of payment for the lender & was given a report showing this transaction. On XX/XX/2023, I filed a dispute with Cashapp support requesting their assistance with tracking the funds that they show being paid on XX/XX/2023, but XXXX claim was never received. 

The document from Cashapp clearly shows the funds were released from my account & sent to XXXX. My dispute was denied on XX/XX/2023 stating ; " We reviewed your dispute with XXXX XXXX XXXX XXXX for {$170.00}, and based on the details provided we determined that no error occurred. Therefore, we have denied your dispute '. 

They do not specify what 'details provided ' is referring to. The document I submitted was the proof of payment to XXXX provided to me by their own support team. If XXXX never received this payment & Cashapp shows the funds were released, who is responsible for tracking this transaction to return the funds to my account? Cashapp is insured by FDIC.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: PA
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 paid this account 7 years left and I still see this very negative report in my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27
Company: JPMORGAN CHASE & CO.
State: OH
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
XX/XX/ my debit card was stolen by a family member. {$1000.00} was took off of my card at a chase atm machine at XXXX XXXX XXXX XXXX XXXX, OH XXXX. I filed a claim XXXX as soon as I noticed money and card was missing. I was suppose to receive a temporary credit while they did their investigation I never got that. They denied my claim I appealed it they reopened the claim denied it aint again reason was I failed to protect bank pin.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27
Company: ALLY FINANCIAL INC.
State: VA
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:
Ally financial reported my auto loan 30 days late to all XXXX credit bureaus for the month of XX/XX/2023 this was in regards to a payment for XX/XX/2023 that I made 29 days late and they reported it as 30 days late inaccurately. I have reach out many times only to be given different information. I disputed this directly with ally on XX/XX/XXXX reference number is XXXX I was told this would be resolved in 45 days I called back a few weeks later for an update I was told they did determine an error and were aware and it would be removed and its still on my report.

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 2023-04-27
Company: AXOS FINANCIAL, INC.
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Despite contacting them numerous times they will not give me direct access to my tax documents. I am a joint owner on the account which means I am just as responsible as my husband who is the primary joint owner. However, I have been told I need to contact my husband every time I need to access my tax documents. My husband does not like to go online for reasons related to reducing fraud. Regardless, I need to have access to my financial documents. 

In addition, I have sent multiple requests regarding updating our address from our previous house to the house we are paying the mortgage on. During the application process we did confirm this will be our primary address yet Axos keeps sending our statements to our old address. I have emailed them copies of our drivers ' licenses to confirm our address but they will not update the address. Yet again I am told that my husband will have to update the address online.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-04
Company: Experian Information Solutions Inc.
State: MS
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:
I have submitted multiple disputes to this creditor asking for bank statements to show when they did not recieve my payments. I have never been late on my mortgage payment. It has always been paid on time. They have me being late in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX, and XX/XX/XXXX. My account is auto draft and the funds were always available

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 2023-02-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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:
Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or XXXX XXXX XXXX  to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ; According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

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 2023-06-09
Company: PENNYMAC LOAN SERVICES, LLC.
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX. I have tried with the company Pennymac to resolve this Issue - no response XXXX. I have tried with XXXX- they said company would response, but no response XXXX. I wrote to Pennymac CEO- No response Brief Description of the Case I am a Pennymac borrower with a fixed interest rate since XXXX, XXXX. I pay my mortgages on or before the due date all the time and never late in my payment. This year the company, Pennymac, had my Escrow Analysis in XXXX and found that I have Escrow shortage of {$2400.00} as shown in attachment XXXX. They gave me the option to pay all at a time or divide into monthly installments. I have paid all at once as shown in attachments 2 and 3. Therefor, my payment should remail as my XX/XX/XXXX XXXX. As attached, file name XX/XX/XXXX XXXX. 
However, the company sent me my XXXX invoice much higher than my XXXX statement as attached, file name XX/XX/XXXX XXXX. I called the Pennymac on XX/XX/XXXX at around XXXX XXXX EST. Spoke to XXXX after a long wait. She does not have any clue what I was trying to explain to her. Then I asked for a supervisor named XXXX. XXXX repeats at least 20 times that my insurance and tax has increased so it is higher than my normal payment. I tried my best to explain that I have already paid the Escrow shortage of {$2400.00} so my payment should remain the same. Then he said Escrow analysis was not correct. I said OK, send me a correct Escrow analysis statement. He told me that he would send it right at that moment. However, I waited all day for the document, but XXXX did not send anything as of today. 
XXXX also told me that, even if I pay all the shortfall, I still must pay higher installment. For the reason he could not answer, I believe that is wrong and improper business practice. 
The company is providing conflicting information about Escrow. I understand Escrow changes, and they sent me their Escrow analysis report. I have fully paid for the short fall. However, now they are saying that they made a mistake and will send me a new Escrow report. This is where MISTRUST develops. Pennymac is a big company, and it is difficult to believe that their Escrow analysis is inaccurate.

They could not explain what they had done with the {$2400.00} Escrow only I paid them last month. I have serious doubt that they are mishandling my Escrow fund and could not manage it. I can not trust them to manage my Escrow.

In any case, I wanted to keep my original payment amount by paying the additional shortfall. But Pennymac said I still must pay a higher amount. I asked what is the reason? I am paying them in advance and the principal and interest are fixed. So, why I must pay extra. There was no answer from Pennymac.

I have reasons to believe that my Escrow funs are not properly handled and I can no longer trust them to manage my Escrow.

I will pay their principal and interest and I will manage my escrow and pay taxes and insurance. 

Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09
Company: MOHELA
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
MOHELA ( a Federal Student Loan servicer ) stole {$4500.00} from a payment I made and scheduled on XX/XX/2023. A payment information below was receipted and acknowledged with : - Confirmation number of XXXX - Payment Amount : {$9500.00} - Payment Effective Date : XX/XX/2023 Then, the above confirmation number was deleted when I checked my account online last Sunday ( XX/XX/2023 ) evening with a payment being shorted in the amount of {$4500.00}. Now, a remaining student loan balance is being reflected inaccurately as {$19000.00} instead of {$15000.00} being the correct amount. 
I have reached to MOHELA directly twice since last Monday ( XX/XX/2023 ) with issue still being unresolved at this time. 
I literally upset that MOHELA did this to a student who has been abiding by law and policies with no late payments ever in the past. MOHELA needs to stop stealing money from students of the United States of America. One bad actor/actress/employee really ruin the reputation of MOHELA this time. MOHELA needs to step up in finding those who are responsible in stealing student 's payments money. 
MOHELA changed a payment amount received from {$9500.00} to {$5000.00} last Sunday ( XX/XX/2023 ) by stealing my own student loan payment in the amount of {$4500.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27
Company: ALLY FINANCIAL INC.
State: MA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I am looking to receive a refund on an over payment made to a closed account. 

On XXXX I paid my final monthly payment on my old vehicle. This turned out to be an extra payment when the account was closed. I was not notified by email or phone and a check was sent to my old address. This address was not updated on my old account because I moved after the final payment was auto drafted several weeks prior. I found out by checking the Massachusetts state treasury site that Ally auto had sent this check to me and it was never cashed. 

I have now been in contact with ally auto and they confirmed my account and the check amount of XXXX. This amount matches the states record. I have an open case with them under case number XXXX. 

When I spoke with them XXXX I was told my check would be mailed to my current address and to reach out to them after XXXX business days if I did not receive it. Now when I called to check on the status I am being told I need to reach out again and that it will take 6-10 weeks to process my request. 

The amount has been verified both by the state and the company. I would like this matter to be resolved with a more appropriate timeline. Please respond with a contact number or email I need to help settle this matter.

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 2023-02-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I contacted TransUnion to request removal of fraud alert, I spoke with some who advised to complete the request online. After attempting to complete the request online, I was not able to access due to TransUnion website being down for 72 hours. I called customer service again to complete the request over the phone, I spoke with a rep who i was not able to understand due to her not being able to speak clearly. I then requested to speak with someone that I can understand clearly to avoid communication issues. The rep continued to repeat, I can help you with that and proceeded to question me. Once I answered the questions correctly, she said I failed and was not able to complete my request. I asked her what are my options, she did not provide any alternative options to assist me at all. I then asked if I can submit my information to verify myself in to complete the request, she stated I needed to wait 3 days for a code. I stated there should be another way to mail my information in and verify my identity. she stated that was not an option for me. I then requested to speak with a manager she placed me on hold, I was on hold for over 2 hours and eventually hung up. This was pure discrimination against me due to me not renewing a monthly membership with them.

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 2023-04-27
Company: Genesis FS Card Services, Inc.
State: MT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Applied for the card, was approved, didn't receive the card after 4 attempts over a period of over 6 months, but kept receiving a bill

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
After reviewing my credit report i have noted some discrepancy on LVNV FUNDING LLC validation was requested and none was provided. I have not received any correspondence from them only harassing calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27
Company: Experian Information Solutions 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove 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 non-monetary relief
Consumer complaint received 2023-04-14
Company: MIDFIRST BANK
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
XXXX XXXX XXXX XXXX, IL XXXX I need this address removed from my credit report. I was on the mortgage as a cosigner but I am no longer on there. I need it removed.

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 2023-06-09
Company: Experian Information Solutions Inc.
State: MA
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:
XXXX XXXX advertised through various spokespersons that they changed their policy and would no longer report business XXXX XXXX cards to customers ' personal credit reports. I obtained this card only because of this promise. When I saw that the card did show up on my personal credit report, I closed the card and asked XXXX XXXX to remove it because it shouldn't have been there in the first place. XXXX XXXX refused to do that. I am attaching my letter to them and their response. Please notice that XXXX XXXX completely ignored the issue that I wrote about, and I hope that you will not let them continue to do that. I would like XXXX XXXX to explain, in great detail, the discrepancy between what their spokesperson said and what they actually did, with particular attention paid to every point in my letter. 

I have shared all of this information about XXXX XXXX 's deception with Experian multiple times, but Experian does not care about this deception. They say that if XXXX XXXX does not want to remove the card, Experian will not either.

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 2023-08-09
Company: Netspend Corporation
State: OK
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Want to access my funds customer service is no 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