BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-13
Company: Bread Financial Holdings, Inc.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
According to the company, I owe a credit card debt for {$1000.00} dollars that I have told them numerous times it was opened fraudulently. They will not share the account number with me when asked so I can file a report with the FTC. I was notified by a CSR that the account was paid through web payments through a bank I have never had and was sent to addresses Ive never lived at along with unknown phone numbers associated with the account. I was told this week that they can not investigate any more and that I am responsible for the account which was opened in 2017. The account is a collection account on my credit report and has negatively impacted my score and ability to obtain loans/credit. I have called and explained what I wanted done with the account numerous times and they have told me they will investigate but still have not had the resolution I am looking for. I was supposedly mailed several statements that I requested but they never showed up so that I can see transactions and account number.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-09
Company: WELLS FARGO & COMPANY
State: CA
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:
On XX/XX/2020, I went into my bank account to check my statement and noticed that my credit card was over it's limit. I knew I had not made any payments to go over the limit so I checked my account details. Turns out on XX/XX/2020, 10 different payments were shown on my account all in different states and cities adding up to almost {$6000.00}. The payments started at {$980.00} and then 9 other payments around {$480.00} all for different companies and all in different cities/states. Looks like the account reference number is the same on most of those accounts. The payees are all different, and most look like they are fraudulent companies. I NEVER got a notice from the fraud department. I never got a call, email, any notification. I have never spent {$6000.00} in one day for as long as I have had my credit card, and most of the cities these transactions were in I had never been to. I was shocked that I had no one from Wells Fargo help me or notify me before I noticed it myself by chance. I called Wells Fargo and received terrible customer service as I was frustrated and upset at the situation. They canceled my credit card, said they would send a new one the next day, but I won't receive my money until the claim is settled by the investigation which would be from 2-10 business days. I am unsure of what to do, and feel like I got 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 monetary relief
Consumer complaint received 2015-09-23
Company: TCF NATIONAL BANK
State: MN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
In XX/XX/XXXX my boyfriend and I purchased my current house. Because of my previous credit history, we were required to do an FHA mortgage product. My boyfriend is a non-occupying borrower. My sister lives at the house with me and pays part of the mortgage payment. 
Early XX/XX/XXXX, my sister and I began conversations with XXXX XXXX at the TCF XXXX office. We wanted to get out of the FHA Mortgage and remove my boyfriend from the note ( keep him on title ) and have my sister on Note and title. On XXXX XXXX, XXXX requested bank statements, last 2 year tax returns, last 2 years W2 's and last XXXX paystubs from my sister and I. We emailed the required documents XXXX XXXX. 
XX/XX/XXXX - First phone call with XXXX XXXX at the TCF XXXX, MN office. XXXX informed me he would be taking over the refinance process we started with XXXX at the XXXX office. During this phone call he informed me it would be best to eliminate my sister from the process. I gave XXXX a credit card number for the appraisal. 
Shortly after the XXXX XXXX phone call, in the mail I received a Notice to Loan Applicant from TCF disclosing my credit score from the report that was pulled on XXXX XXXX. Per the Notice my scores were Equifax XXXX, Experian XXXX and XXXX XXXX XXXX. 
My complaint : After two months of back and forth communication with XXXX XXXX at TCF XXXX, MN office I was declined a refinance mortgage loan for reason of " Bankruptcy ''. It was unnecessary for me to pay the {$400.00} for an appraisal when my credit report, pulled on XX/XX/XXXX, would have clearly shown the previous bankruptcy ( and foreclosure ). If TCF operates under strict guidelines then I should have been denied a mortgage loan immediately. Why did they pull another credit report on XX/XX/XXXX? Why was I asked for additional documents after the date of the denial letter? I was never asked to provide any documentation of the bankruptcy ( discharged XX/XX/XXXX ). The customer service I received from XXXX XXXX was horrendous. I was ignored on many occasions and some of XXXX 's comments were rude and unprofessional. I went into this in good faith and was lead on for over 2 months sending numerous, unnecessary personal documents. I feel this was unethical practices by TCF and their employee, XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
There was a late payment reported to my account in 2019. One credit bureau reports XX/XX/2019 being late and the other says XX/XX/2019 was late. Every time I try to dispute this mistake they change the date on the late payment.

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 2020-08-13
Company: DLC, LLC
State: NV
Product: Money transfer, virtual currency, or money service
Sub-product: Debt settlement
Issue: Problem with customer service

Complaint:
I had a very bad experience with dollar loan. I talked to XXXX  and she was very rude obnoxious irresponsible and I had a very bad interchange with her period. I want to make this very clear to the managers of dollar loan if I were to hire her I would fire her in a minute period I want something done about this I want managers to know about how she was acting and how she related to me she treated me like I was a XXXX XXXX XXXX bad naughty boy. I know she's a young mother but that doesn't exist exclude her from being pleasant and business like it which I would very much appreciate. so I'm not doing business with dollar loan center anymore because of her period

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Bank of America did not notified when they issued a new debit card after expiration so the fraudster got a chance to steal my card from the mailbox. On XX/XX/2022, I have experienced sim card swap attack where fraudster took over my phone and hacked into my Bank of America checking account and updated my email and phone number. On the same day, fraudster withdrew {$1500.00} from my checking account. When I reported the fraud activity, the money was still in pending state but BOA was unwilling to take action to stop the fraudster from withdrawing my money. BOA was unable provide an explanation of how the money was taken from my account. I also filed a claim for the money stolen and have not yet received a response from BOA. 

BOA also refused to provide me an affidavit statement to prove this incident which is required by the Police in order to file a police report. I went to BOA branch 2 times and spent hours speaking to the Branch bankers but no one was willing to assist and help so I'm unable to file a police 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 2016-09-09
Company: CITIBANK, N.A.
State: MI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I originally got a 30 year loan from XXXX XXXX XXXX on my home in XX/XX/XXXX. I refinanced several times, always through the same bank. When XXXX XXXX was bought out, they sold the loan to Citigroup mortgage. The last time I had refinanced was in XX/XX/XXXX. That loan as well as all the previous loans had a provision stating there was no penalty for prepayment and that any funds paid in addition to the monthly payment would be applied to the principal. Citigroup told me they sold the loan in XXXX XXXX. In an attempt to get more information about who they sold it to ( since the new lender has never sent me a bill or any information about who they were or where to send my payments ) I downloaded information from citigroup regarding my payment history. Citigroup has not used any excess funds to pay the principle. I did not agree to that change in the contract. That was a unilateral change by Citigroup after they were assigned the contract. If citigroup did it to me, I 'm sure they have done it to others. I am positive that my excess payments were to be applied to the principal because that was something I always made certain of with the bank and would check the contract. I never signed anything with citigroup. I had no choice in the assignment. Actually, I do not know if the loan was assigned to citigroup or if they were just servicing the loan, but either way their unilateral change in the contract seems to me to be a breach. And they did it without any notification or opportunity to change or refinance, etc. They appear to just hold the extra funds in some account that does n't credit my account or pay me any interest. They just keep the funds.

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 2020-08-13
Company: Dovenmuehle Mortgage, Inc.
State: NC
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:
Good evening, I am writing to dispute some information that has appeared on my consumer credit report. 

About three weeks ago I was contacted by credit bureaus due to a change in my rating that reduced my credit score by XXXX points. It appears that Dovenmuehle Mortgage has reported that my thirty year fixed rate loan has been increasing by over {$4000.00}. 

My loan is in forbearance and as per Accommodations under The Cares Act and XXXX XXXX regulations, the overdue amounts are not to be reported to credit bureaus since they will be eventually either be paid in full, paid in installments or added to the end of the loan. 

Please see below for Cares Act regulatory language : As defined by the CARES Act ( referred to as an accommodation under the Act ), your servicer or creditor is required to report your account as current. 
Consumer Finance Protection Bureau Therefore, as per regulation, creditors are to report the account as current and in good standing. I have contacted Dovenmuehle via telephone and email on XX/XX/XXXX, XX/XX/XXXX and again on XX/XX/2020 but have received no response. Since my last attempt to reach them ; the company has yet again added additional charges that seem like an increase on my loan or a delinquency. 

Unfortunately, my family has suffered loss of income and salary, have contracted XXXX ( XXXX  included ) and are struggling to make ends meet. Therefore, at this time, my credit score and credit line is extremely important because it can help us pay for groceries and support us in staying afloat financially. This situation is placing further financial hardship in our lives. 

My hope is a resolution that will include a withdrawal of this information from my credit reports since it is indeed erroneous ( and perhaps illegal ) as defined by The Cares Act, XXXX XXXX and XXXX XXXX 

Thank you so much for your time and support in the matter. I appreciate your help. 


XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-29
Company: AMERICAN EXPRESS COMPANY
State: NJ
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:
I am disputing Amex and Account numbers 1. XXXX 2. XXXX Amex has re-aged this account. The current information is inaccurate and is reported as a later date from the date of first delinquency. Please delete this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-01
Company: Convergent Resources, Inc.
State: MN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I applied for a mortgage for a rental property and the fellow that i had worked with on a couple properties in the past 3 years informed me that there was a unpaid debt in collection. This was lowering m y credit score  which might cause a higher rate. He gave me the name of the collection company and the  XXXX   XXXX  number.     I called them and they asked for a letter, which I sent to them. A week later i received a letter from them that collection efforts would seize and it would be removed from my credit report.     A week later I received a call from a different collection agency for the same bill. To say that i was irritated is an understatement. Over the past couple weeks I have argued with at least 20  XXXX  representatives.     They want me to get notarized statements and fax them the info.     Why should i have to pay out money for their mistakes. I told them the y may  have a policy, but my policy is to not pay for their mistakes

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 2020-08-13
Company: Paypal Holdings, Inc
State: KY
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 have an account with a service, PayPal, and they have continued to harrass me via emails. I have called twice to close my account and visited their web site to make two more attempts to close this account. I've had this account for three years and until about six months ago was satisfied with their service. They have become too big to provide the service they were providing some time ago. The process to dispute a charge has become very difficult and requires going through multiple pages and many questions. It has become far more simple to just dispute a charge by going directly to the issuer and avoiding PayPal. I have asked that my account be closed and as I said above I have tried everything that is recommended to close an account and as yet have not been able to get the account closed. I continue to receive emails both promoting their service and instructions on how to close my account. I've followed the instructions I've received twice along with two phone calls attempting to close the account. Now I starting to feel as if they are harassing me as I continue to receive unwanted emails.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-13
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other service problem

Complaint:
My Venmo got frozen a few months ago, and the executive office has mail me an letter saying they are going to hold my funds up to 180 days then I can withdrawal on or before XX/XX/2020. But right now, I'm unable to login to my old Venmo account due to I changed my phone number and I had my old phone number linked to my old account so I'm unable to receive code to verify my account, I tried to login with old device but it still asked me to sent a code to old phone number XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-09
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: Information belongs to someone else

Complaint:
These accounts are fraudulent accounts : XXXX XXXX {$2500.00} XXXX XXXX {$850.00} XXXX XXXX {$1700.00} XXXX XXXX XXXX XXXX {$1500.00} XXXX XXXX XXXX {$2800.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-09
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
These accounts are fraudulent accounts : XXXX XXXX {$2500.00} XXXX XXXX {$850.00} XXXX XXXX {$1700.00} XXXX XXXX XXXX XXXX {$1500.00} XXXX XXXX XXXX {$2800.00}

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 2022-09-15
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I am writing to complain about a deceptive and coercive practice that Wells Fargo employs to force customers to sign up for digital/online statements. Wells will offer customers with holdings about a threshold amount to receive paper statements and for them to view checking transactions. When the customer makes an online request to see transactions greater than ~60days in the past, however, the Wells app displays a page stating that the customer must elect to either receive all electronic statements OR to confirm that they continue to receive both paper and electronic access. The page warns the customer that they can not reverse this choice. What a customer who wishes to continue paper statement experiences on that page, however, is that he/she can not select to continue as is. The webpage buttons indicating a 'continue ' choice are inoperative. When contacted, Wells admits that that is the case and confirms that they will not allow a customer to view older transactions if they receive paper statements. The webpage trickery is a deceptive and coercive ploy that forces customers to choose electronic statements saving Wells considerable costs. When I first filed a complaint with Wells months ago I heard nothing. I've filed a second complaint and received only a " promise to respond ''. The Wells webpage continues to operate as before.

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 2020-08-13
Company: Flagstar Bank, N.A.
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Due to Covid 19 we requested information to Flagstar bank about a mortgage forbearance plan In XXXX. We decided not to go that route because we could still make payments with savings. Months later after diligently making all payments we decided it was time to get in a forbearance plan. They informed us that we already were in a forebarance plan and it ended XXXX. We tried to explain we just requested information and told the mortgage loan officer no to the forebarance plan in XXXX. We also did not sign any documents. However they said that there was nothing they could do and that we agreed to it. However, they have no proof besides us just asking for information. I spoke with XXXX supervisor of the west coast ( XX/XX/12 ) XXXX XXXX and she said there was nothing I can do besides calling back tomorrow. She gave me no corporate number or place to file a complaint. We are so sad and devastated that in such hard times Flagstar is refusing to help its customers. We never agreed to a forebarance plan. What can we do to fight this?

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