BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-18
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I paid for a service today XX/XX/23 {$220.00} via PayPal for ethical hacking account recovery. The service provider lead me to believe they were assisting me but after multiple requests for more money to be submitted, I determined I was being scammed. I filed a dispute with XXXX but they denied it because I authorized the transaction. I requested a refund via the service provider as he guaranteed recovery and have gotten no response. I have all correspondence between myself and said scammer.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-18
Company: WELLS FARGO & COMPANY
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I was called and emailed a letter from XXXX XXXX XXXX, claiming to represent Wells Fargo and attempting to collect a debt that was written off in 2015 in the amount of {$900.00}. They had my social security number, phone number and my current address and an old work address. 

When I told them I wanted a copy of the charges or what this was for, he started talking over me and told me Wells Fargo wouldnt speak to me, and if I didnt settle the account, Id be hearing from their lawyers. 

I did not bank with or have credit accounts with Wells Fargo in 2015. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Delaware XXXX Main : ( XXXX ) XXXX Called me from : ( XXXX ) XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
Company: ALLY FINANCIAL INC.
State: MS
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
On XX/XX/XXXX I deposited {$100.00} to my Ally account They advised that I needed to make a deposit and clear it up which I did on XX/XX/XXXX the bank closed my account with no notification and wrote off my account and made it a collection after they gave me the {$100.00} overdraft/line of credit they closed my account in error and I never knew was closed til I logged into my account on line which did not make sense they advised I had a certain amount of time to make it current and paid it weeks ahead of the specified time but closed it anyway and put my account in a right off status after giving {$100.00} overdraft which was a complete error in closing.

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 2023-07-18
Company: WELLS FARGO & COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened the Savings account at the Wells Fargo branch on XX/XX/XXXX. 
It was opened with the {$520.00} promotion. The requirements were : - Open a new Savings account by XX/XX/XXXX - Bring XXXX XXXX  or more in new money to the account by Day 30 after the account opening date - Maintain XXXX XXXX through Day 90 after the account opening date The corresponding promotion screenshots are attached. 

I fulfilled all the requirements above - opened the account- on XX/XX/XXXX - deposited - {$300.00} on XX/XX/XXXX, {$50.00} on XX/XX/XXXX, {$50.00} on XX/XX/XXXX, {$9600.00} and {$15000.00} on XX/XX/XXXX - {$25000.00} in total by XX/XX/XXXX - maintained that amount - by XX/XX/XXXX. 
See the attached statements. 

I didnt receive the bonus by the expected date. The Wells Fargo representative said I havent fulfilled all the promo requirements and become ineligible for the bonus. 
I raised a complaint to get more details on that. They responded that I didnt fulfill the XXXX XXXX deposit part. It turned out that they dont count deposits made on the first day, within the account opening as new money for that XXXX XXXX threshold. So they didnt count those {$300.00} I deposited on XX/XX/XXXX. 

I strongly disagree with that. I believe those {$300.00} deposited within the account opening must be counted under the promotion. 
The definition of new money ( see the attached screenshots for the promo details ) : New money is money that is new to the customer or new to Wells Fargo ( deposited into the customers new savings account directly from outside of Wells Fargo and Company and all affiliates, or from a Wells Fargo account not owned by the customer ). 
It does NOT say that money deposited within the account opening or later on the Day 1 is not counted as new money. 
Those {$300.00} I deposited on XX/XX/XXXX are new to Wells Fargo and were deposited in the account from outside. So it totally aligns with the definition above. 

I believe I fully fulfilled all promo requirements and should get that {$520.00} bonus. Otherwise, that promo should be treated as a false advertisement. 

Please investigate.

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 2023-07-19
Company: Lockhart, Morris & Montgomery Inc.
State: AZ
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:
have been getting calls saying that i owe a debt I recently filed for Identity Theft and wasn't able to add all the accounts on the Identity theft report but I have # XXXX accounts here that are under Identity theft that I wasn't able to add # XXXX, # XXXX, # XXXX. I would like them off my credit report and would like for this company to stop exposing any private information that it has of mine. I have no contract with this company and no dealings at all ( 15 usc 1692 )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: CBC Companies, Inc.
State: SC
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 XXXX XXXX AND ALL SECONDARY BUREAUS SUCH AS XXXX XXXX  (ALL),XXXX XXXX (ALL), XXXX, INNOVIS (ALL), ARE IN BREACH AND HAVE COMMITTED SEVERAL VIOLATIONS; ALL 3 BUREAUS ARE IN VIOLATION OF: 1. 15 US Code 1681 b 2 - 2. 15 US Code 1681 c 2 - 3. 15 US Code 1681 e b - 4. 15 US Code 1681 a 2- 5. 15 US Code 1692 C C 6. 15 US Code 1692 G 7. 15 US Code 1602 P 8.15 US Code 1601 ALL VIOLATIONS THAT I HAVE BEEN COMMITTED AGAINST ME, MAY BE SUBJECTED INTO A LAWSUIT LOCATED NEAR A VENUE NEAR ME. YOU HAVE 10 DAYS TO REMOVE ALL HARMFUL, UNLAWFUL, DECEPTIVE,ILLEGAL, FRAUDULENT INFORMATION FROM MY CREDIT REPORT!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: EQUIFAX, INC.
State: GA
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:
I complained about EQUIFAX, XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  and stated that all companies are violating my rights to privacy, including transaction history, reporting inaccurate and outdated information such as old addresses, phone numbers, emails and employers. I have inquiries that I did not authorize, there was no permissible purpose. The banks have violated my consumer rights by sharing my non public information with non affiliated companies such as credit reporting agencies. ( a ) Definitions and rules of construction set forth in this section are applicable for the purposes of this subchapter. ( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. ( c ) The term consumer means an individual. 
( d ) Consumer Report. ( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title.

( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ;

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-19
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
5/3 bank mobile banking app my log in info has been changed so many times they block my access to log in and block my card ( debit ). Until I call and @ nset security questions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: WELLS FARGO & COMPANY
State: DC
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:
Apartment was looted and flooded. Cards was taken and charge fraudently

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 2023-07-19
Company: Synovus Bank
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Subject : Explanation of Credit Report Blemish Due to Identity Theft : RE : First Progress Credit Card XXXX First Progress Credit Card XXXX I hope this letter finds you well. I am writing to explain a blemish on my credit report that has resulted from identity theft. I have been diligently working to resolve this matter and have taken all necessary steps, including filing reports with both the Federal Trade Commission ( FTC ) and the local police, as well as submitting proper disputes to all the credit reporting companies. Delete the account ASAP. 
The identity theft incident occurred when an unauthorized individual accessed my personal information, including my social security number, address, and other sensitive details. As a result of this breach, fraudulent accounts were opened without my knowledge or consent. I immediately took the following actions to rectify the situation : 1. Filed a Report with the Federal Trade Commission ( FTC ) : As soon as I became aware of the identity theft, I promptly filed a report with the FTC to report the fraudulent activity and obtain an Identity Theft Affidavit.

2. Filed a Police Report : Following the FTC 's guidelines, I contacted the local police department to file a formal report regarding identity theft.

3. Submitted Proper Disputes to Credit Reporting Companies : I have submitted detailed dispute letters to all the major credit reporting agencies, explaining the situation and requesting the removal of the fraudulent accounts from my credit report.

4. Enhanced Security Measures : To prevent further identity theft, I have enhanced my security, such as freezing my credit, implementing two-factor authentication, and regularly monitoring my financial accounts.

Delete the account immediately.

Delete the account ASAP. This account is constantly changing the Payment information, and its currently reporting inaccurate.

Thank you for your understanding and prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: PENNYMAC LOAN SERVICES, LLC.
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
I applied for a Modification on my XXXX loan in late XXXX. I was sent a Modification package which was accepted, Notarized and returned in a timely manner. I attempted to make the payment online for the modification amount of {$2900.00} as I have made all of my payments in the past. The online system refused my payments when I attempted to make it in XXXX, after several attempts I gave up. PennyMac acknowledges my attempts to pay and now explains that it is " suggested '' to talk to a representative when making the first modification payment. This is the first modification that I have received and was unaware of Pennymac 's inner-workings, given that NONE of this suggested payment information is in writing nor included in the Modification package that was signed and Notarized. PennyMac unilaterally canceled my accepted Modification agreement and offered me an appeal, which I applied for, a month later the payment INCREASED to {$4700.00} which is very much unaffordable to me. I submitted income of approximately {$6000.00} and I have XXXX children at home. I understand that modifications are offered to make keeping my home, affordable. Unfortunately the current offer is extremely unaffordable. I have attempted several times to contact PennyMac in order to reinstate my accepted and signed Modification from XX/XX/XXXX. Each operator has a different response to my situation, yet they refuse to send anything in writing to support their decisions. I have attempted to file a complaint with them, to no avail. Please help me keep my home, with an affordable payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: ENOVA INTERNATIONAL, INC.
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I pulled my credit report on XX/XX/23 due to a XXXX point decrease in my FICO. I learned there was a collection placed for {$2000.00} from a collection agency XXXX XXXX XXXX in XXXX, Ga who purchased the debt from CASHNET USA. 
I tried to dispute it the same day and XXXX sent a finished investigation today stating its accurate. 
I contacted XXXX XXXX and XXXX XXXX sent me the original application but it doesnt have the actual checking account number listed, a signature not drivers license listed. They sent the IP came from XXXX Tx which Ive never resided. Ive put a fraud alert on my account for a year and froze my account. 
This person used my previous apartment address with my old employers phone number from 12 years ago for contact info. Also, the email they used was XXXX which isnt mine. It looks like the original payday loan was for {$800.00} and the interest has accrued to now {$2000.00}. 
I feel like Im going in circles trying to access the original application. I also filed a identity theft report. Im not going to file a police report today as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03
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, Account # XXXX XXXX XXXX, Account # XXXXXXXX XXXX XXXXXXXX, Account # XXXX XXXX XXXX, Account # XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Account # XXXX XXXX XXXX, Account # XXXXXXXX XXXX XXXX XXXXXXXX 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.

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 2023-07-19
Company: JPMORGAN CHASE & CO.
State: IA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Hello, I received a bill from Chase Sapphire I tried to reach customer service at the number on the back of the card and the statement the number was XXXX. 

On the call they said they had a special promotional offer today and it transferred me to a XXXX who said she had a free medical device offer. I told her I was looking for chase. 

When I asked her to transfer me to Chase multiple times she did not and continued on with a marketing spiel. 

I called back twice to try to connect with Chase and pay my balance and was not allowed to. I do not know how to pay my statement over the phone because they will not can check connect me to the Chase. 

Please help me rectify so I can pay my balance and opt of out of future marketing promotions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-19
Company: HW Holding, Inc
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXXXXXX XXXX XXXX XXXXXXXX, TN will not provide itemized detail to damages done. Trying to charge me a deep cleaning fee for a worn stove that was already worn ( it is not damaged ) as well as {$82.00} for a single bent blind! 

Over {$100.00} for two items that I am not responsible for is insanity. They can not provide me itemized detail as to what backs up the charges so I know they are trying to squeeze a few bucks out of me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
NOTICE TO CEASE & DESIST ALL COMMUNICATION AND COLLECTION ATTEMPTS : PRA LLC, is in violation of Title 12 USC 5531 : Prohibiting unfair, deceptive, or abusive acts or practices.

PRA LLC, is liable for damages pursuant to : 15 U.S. Code 1681n - Civil liability for willful noncompliance PRA LLC, is in violation of Tit

le 16 CFR 660.3 : Reasonable policies and procedures concerning the accuracy and integrity of furnished information. Company policies do not supersede law ; I am invoking my consumer rights and demand you to provide a written copy of your company 's guidelines. I also demand PRA
LLC to provide FULL DISCLOSURE OF YOUR PROCESS.

I also demand a full accounting of the ledger including consent to contract, transactions and acquisition of my personal identifying information. No consent is equal to identity theft.

I am disputing the validity of this alleged debt. I have not now nor have I ever been in contract with PORTFOLIO RECOVERY ASSOCIATES , LLC ( PRA, LLC ). Pursuant to 15 USC 1692g - validation of debts, this company is in violation of federal law. They are THREATENING to furnish an account to the Credit Reporting agencies under the guise of it belonging to me as a " collection account ''. As a consumer, I have not now or ever extended my credit to them, they have not now or ever loaned me money. I received a notification from PRA, LLC dated XX/XX/23 in response to my initial demand to CEASE & DESIST from contacting me regarding account # XXXX. I am asking PRA, LLC to provide an original contract with my signature, offer and acceptance. Copies will not suffice. I would also like to see the assignment of debt ; including a detailed accounting of any ledgers. I would also like this company to show they are registered in my state to even attempt to do business and collect on this alleged debt. This company is also in violation of 15 USC 1692e by making false and misleading representations. I also demand PRA, LLC again to to cease and desist from furnishing anything to any of the credit reporting agencies on my behalf as I also have not now or ever given them permissible purpose to do so and will not give it in the future. Any continuance or disregard to this notice will be deemed as direct violation of federal law as I am a Federally protected consumer and will also file suit for defamation of character. Pursuant to 15 USC1692 ( C ) C I am notifying you once again that I refuse to pay this alleged debt, and I am demanding you cease all forms of communication with me ; as well as cease & desist all collection/extortion attempts through any medium unless it pertains to my remedy in writing via mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: T.S. Holdings
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
{$630.00} Was charged to me on XX/XX/XXXX When I moved out of XXXX XXXX apartments of XX/XX/XXXX. This company I.Q DATA CALLED ME AND TOLD ME I HAD TO GIVE THEM {$630.00} FROM XXXX XXXX APARTMENTS. BECAUSE I DIDN'T WASH THE WALLS THE REFRIGERATOR OR THE STOVE AND COUNTER TOPS. I DIDN'T CLEAN ANYTHING WHEN I MOVED TO THESE APARTMENTS IN XXXX THE APARTMENT WORE ALREADY OUT AND OUT DATE WITH PAINT CHEAPING OF THE WALLS! WATER LEAKS IN TOP OF LIVING ROOM CEILING OLD CARPET THEY VACUUMED. WITH BATHROOM DOORS FALLING APARTMENT. SO IM BEING ASKED FOR {$630.00} NOW AND THEY TRYING TO MAKE ME PAY FOR SOMETHING I DIDN'T DO I MOVED OUT ON XX/XX/XXXX. LIKE HOW LONG I'VE LIVE THERE THAT'S AGAINST THE LAW. AND YOU PUT THIS ON MY CREDIT AND You KEEP HARRSING ME. ABOUT SOMETHING THAT THEY SHOULD UPGRADE BECAUSE IT'S A DISGRACE TO LIVE THERE. YOU KEEP CALLING AND SENDING ME BILLS TO MY ADDRESS. AND I WANT TO NO WHAT HAPPEN TO THE {$350.00} I GAVE THEM THE MAN GONE LIE AND SAY IT WENT ON MY FEE. THAT WAS A SMALL 2 BEDROOM APARTMENT WAS NOT A THING WRONG WITH IT. IF IT WAS WAY SOMEONE MOVE IN THERE THE NEXT WEEK.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: Crow Creek Sioux Tribe
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
They approved me for a XXXX loan with a 665.17 % interest. Illinois has a 36 % cap on interest.

Company response to consumer: Closed with explanation