BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-09
Company: Paypal Holdings, Inc
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
My name is XXXX XXXX, and my phone number is ( XXXX ) XXXX. 

The following email contact XXXX XXXX XXXX with the phone number XXXX needs to be reported as fraudulent. 

They posted an ad on XXXX for a golden retriever puppy, and we emailed them about it on XX/XX/XXXX using the email XXXX. 

XX/XX/XXXX we received a reply through XXXX that they wanted to get the puppy to us ASAP, and all we had to do was pay {$300.00} to the shipping company, XXXX XXXX XXXX XXXX. We got suspicious when the began to tell us we had to " hurry '' to get them the money, and through PayPal under my email, XXXX XXXX XXXX XXXX, I sent it as a business transaction. They told us we must not send it as a business transaction on PayPal but for " Family and Friends ''. They continued to tell us we needed to rush, and the emails they sent had very incorrect grammar and structure, so we got suspicious. They then told us that the puppy, flying in from CA, would be there by XXXX when we were talking to them at XXXX in GA with the package weighing only XXXX for a XXXX week old puppy. From there, we did not send the money again because we realized this was a scam. We need to get our money back and make sure the " Business '' transaction does NOT go through via PayPal.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-12-01
Company: Experian Information Solutions Inc.
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
My dispute has to do with a XXXX, XXXX Master Card. In XX/XX/2018 fraudulent charges appeared on the activity page on XXXX website for my card. I notified XXXX and told them of the fraudulent charges. They closed the account and issued me a new card with a new account number. However, when they brought charges over from the old card these included the fraudulent charges. I notified XXXX by phone and was told that the error would be corrected. At the same time, I discontinued use of this card. From that time until the end of XX/XX/2018, I have received no statements nor any other correspondence from XXXX. These accounts had been setup for automatic bill payment. 

In late XX/XX/2018, I received a notice dated XX/XX/2018 from XXXX XXXX XXXX stating that they were attempting to collect a debt owed XXXX for the Master Card in the amount of {$200.00}. I attempted to go onto XXXX website to view any activity on either of the cards. No information was available because the accounts had been closed. I then called XXXX at the customer service number listed on the back of the card and was routed to their internal credit collections department. I explained the situation to them and asked for copies of the statements showing the activity on the master card. I was told that since the amount on the card was now in collections, they had no information. 

I then contacted XXXX XXXX XXXX and made the same request. They told me they would send me 12 months of statements. To date I have received nothing. 

On XXXX XXXX, I received for the first time a statement from XXXX for {$200.00} plus {$37.00} in fees plus {$2.00} in interest. I contacted XXXX XXXX XXXX by phone and email but have received no response from them. I contacted XXXX credit collection bureau again and was told this time that they would provide me with the last 12 months of account statements but it would take 30 days. They refused to discuss the additional fees and interest charges. 

This has effected both my husband 's and my credit score. We have excellent credit. My intent is to get this resolved as quickly as possible but I am receiving no cooperation from either XXXX  nor XXXX 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 2022-08-04
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I applied for a 30 year mortgage 84 months ago with Wells Fargo and was informed that it was in fact not a 30 year mortgage, but only fixed for 84 months and then it becomes variable. I was not informed of this by the loan officer, although it may be in the 70 page closing documents. I made it very clear that I was looking for a fixed 30 year mortgage, particularly given my advanced age, and was told by the loan officer that it is was a fixed mortgage.

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 2023-08-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
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:
I made a drive thru deposit for my credit card balance at XXXX branch on XX/XX/2023. In the same transaction, I put in {$580.00} and $ XXXX amount of cash into the ATM machine. But the machine took the money and failed to deposit the funding to my account. It provided a informative receipt only.

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 2022-01-29
Company: Colony Brands, Inc.
State: MI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I have an account with XXXX and I have been attempting to pay my bill online for several months only to be told by the system that I have no balance and no payment is due. I received a bill through the mail stating I have a past due bill totaling XXXX with a past due amount of 80.00.I called the customer service number and after being transferred to 3 different people I was transferred to XXXX id XXXX XXXX. She apologized saying there has been a problem with the system. I again explained how I have attempted to make payments but the system says I don't owe anything. She asked if I had called in to speak with someone and I informed her I had not seeing the system says there isn't anything due. I asked if the past due amounts would be reversed since it was the company 's system that gave erroneous information. She told me they could only remove 1 month and the balance after subtracting the late fee of ten dollars would be XXXX. I told her that was the amount of the bill i have before me and she stated the amount is XXXX. At this point I don't know what is true. I am being penalized for something that is entirely the company 's fault and being reported to the credit bureaus as having late payments

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have over XXXX credit inquires on all 3 credit reports and have several times to get them removed which has impacted my credit score. I have sent letters asking to have them removed and today XX/XX/XXXX nothing has been done. 

I am writing to you for help I look forward to hearing from you. 

Sincerely, XXXX 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 2017-07-20
Company: Capital Management Services, LP
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have received 4 phone calls ( XXXX at XXXX XXXX, X/XX/17 at XXXX XXXX, XXXX at XXXX XXXX, and X/XX/17 at XXXX XXXX ) from Capital Management Services. The firs three calls I did not answer and they left 2 voicemails stating who their company name and that they were a debt collector. The same person left the voicemails each time. I answered the call on X/XX/17. The person asked for me by one of my names, told me he was a debt collector, and said that I owed XXXX/XXXX around {$20000.00}. I have no debts with XXXX and I 've never had a debt remotely close to that amount in the 10 active years I 've used them for credit. This immediately raised a red flag for me. I informed the person on the call that I did n't have a debt and that I believed they were scamming people and I hung up the phone. I then called XXXX to inform them that this company was gathering money fradulently on their behalf. XXXX said they would forward the information to their security department.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-20
Company: Meridian ARG Inc.
State: MO
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I do n't know who they are, they call and when I answer it 's a robot call. I have no payday loan debts.. I 've paid all of mine off

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-20
Company: Chaplain Financial Services LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XXXX XXXX, XXXX I missed a call from XXXX. I received a pre-recorded voicemail stating a simple suit has been filed with their company. In order for the process to be stopped I must contact their office immediately at XXXX and reference case number XXXX. If I respond to the message once contacted by the county processor I will be required to have two forms of identification and if I am served at my place of employment and I am not present my supervisor or human resource person will be required to sign for me personally, and stated I have been officially notified. 

On XXXX XXXX, XXXX I called the company back at XXXX and they asked me to verify my name and the last four of my social security number. I verified this. I asked them the reason for the voicemail and the representative stated I had a loan with XXXX XXXX back in XXXX. Then the representative stated I did n't make the because I was n't working was this correct? I stated I never had a loan with XXXX XXXX and I asked if she could send more info to me in writing, she refused and disconnected the call. 

On XXXX XXXX, XXXX I called CFPB to file a complaint and obtain the required information to file a complaint. On the same day I called XXXX and asked about the company and the loan. The representative stated they can not share any information about XXXX XXXX with me and that I will receive court documents to appear in court. The company stated they do mediations on behalf of XXXX XXXX. The representative did provide their company information. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX

Company response to consumer: Untimely response
Consumer complaint received 2022-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
submitting this complaint against XXXX there is no third party involved. XXXX dBA ' XXXX XXXX XXXX XXXX XXXX has my personal information INACCURATE on my consumer report. My name is spelled incorrectly ( Exhibits provided ) My address is inaccurate ( Exhibits provided ) The employer section is inaccurate I don't work at those places ( Exhibits provided ) Those phone numbers are inaccurate none of those numbers are my phone numbers ( Exhibits provided ) The name on my ID and social is how my name should be spelled The address on my ID is my ONLY address I DEMAND XXXX TO CORRECT THIS INACCURATE INFORMATION WITHIN 3 BUSINESS DAYS BECAUSE IT IS CAUSING ME PROBLEMS WITH GETTING HOUSEHOLD GOODS, A PLACE TO STAY, TRANSPORTATION AND MORE. XXXX is NOW liable for damages of {$1000.00} per violation for Civil liability for willful noncompliance which XXXX failed to comply. Pursuant 15 usc 1681n - any actual damages sustained by the consumer as a result of the failure or damages of not less than

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: BOK FINANCIAL CORP
State: NM
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Bank of Albuquerque is the worst bank possible they have lost {$21000.00} of my hard earned money and they can not find it. I have contacted the branch I always visit in XXXX XXXX, NM and I have contacted the XXXX XXXX  no one cares and no one has done anything to try to help me find my money. XXXX is the Branch Manager of XXXX XXXX and of XXXX XXXX and is completely incompetant and can not handle these situations, and I have to suffer with missing money because of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15
Company: EQUIFAX, INC.
State: PA
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:
submitting this complaint against XXXX there is no third party involved. XXXX dBA ' XXXX XXXX XXXX XXXXXXXX XXXX has my personal information INACCURATE on my consumer report. My name is spelled incorrectly ( Exhibits provided ) My address is inaccurate ( Exhibits provided ) The employer section is inaccurate I don't work at those places ( Exhibits provided ) Those phone numbers are inaccurate none of those numbers are my phone numbers ( Exhibits provided ) The name on my ID and social is how my name should be spelled The address on my ID is my ONLY address I DEMAND XXXX TO CORRECT THIS INACCURATE INFORMATION WITHIN 3 BUSINESS DAYS BECAUSE IT IS CAUSING ME PROBLEMS WITH GETTING HOUSEHOLD GOODS, A PLACE TO STAY, TRANSPORTATION AND MORE. XXXX is NOW liable for damages of {$1000.00} per violation for Civil liability for willful noncompliance which XXXX failed to comply. Pursuant 15 usc 1681n - any actual damages sustained by the consumer as a result of the failure or damages of not less than

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-09
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
XXXX credit reporting agency is not reporting my XXXX credit card account which has a zero   balance. They are also missing information on my XXXX credit card account. I am also complaining because an account XXXX  XXXX XXXX that was previously deleted off my report is appearing again. It is showing as an adverse account. It was deleted now its re-appearing.

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 2020-01-24
Company: EQUIFAX, 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:
the company reported information that was not accurate or mine and after several time of disputing this information still on credit report also some of these disputes were in review for over 90 months

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-01
Company: Caliber Home Loans, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage was transferred to Caliber Home Loans. I have everything set up for auto-pay, so I had no complaints for years. 

I sentan extra principal with my normal payment with a payment stub in XX/XX/2018. The stub indiciated that {$10000.00} was for pricinpal, and {$1300.00} was for the regular monthly payment. The lender applied the entire amount to principal on XX/XX/2018. I received a letter XXXX week saying that I did not send my monthly payment in. 

I called the lender the week I received the letter to inquire about the issue. The representative explained that they did not receive a payment stub and that the payment was applied to principal. I do not send checks by themselves in envelopes. I asked the representative to resolve the issue by applying XXXX to principal and XXXX to the regular payment on the original date. The representative put in a request to fix the issue. 

I checked the mortgage account on XX/XX/18 and noticed adjustments were made on XX/XX/18 and not backdated ( XX/XX/2018 ). Instead of resolving the issue, they took the same amount ( XXXX + XXXX ) plus the next monthly payment ( XXXX ) and applied it all to principal. So they made the situation worse. My account is now 2 months behind on payments even though they received addiitonal money. I called customer service and the representative has put in a second request to try to resolve the issue. I was told the turnaround is XX/XX/18 and it is possible the information will be reported to the credit agencies before they can resolve it. In addition, they applied a {$15.00} charge to my account on XX/XX/18 for no reason ( which was later reversed, but they did not communicate any information about this mysterious mistake charge ). 

I pay my mortgage on time and have never been late. This lender 's mistakes are at risk of damaging my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I called in to TransUnion XXXX on XXXX/XXXX/XXXX to request XXXX credit inquiries to be removed from my credit report due to a glitch in their system during the months of XXXX XXXX and XXXX thru XXXX of XXXX. I explained to the customer service rep as well as the supervisor during the phone call, that I am also aware of the law that requires the credit reporting agency to notify the consumer after they add previously deleted information to my credit report. As of today XXXX/XXXX/XXXX TransUnion XXXX has failed to remove my inquiries.

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 2020-01-09
Company: SN SERVICING CORPORATION
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
PLEASE NOTE THIS IN CORRECTION TO Complaint Number XXXX previously filed. Wrong Contract and Purchase Price was originally Uploaded. 

I have been attempting to complete a loan modification for over 3 years. SN Servicing unwillingness to work with me forced me to file a Chapter XXXX bankruptcy ; which I am currently in. However, I also have submitted to SN Servicing to  complete a short sale of my home in XX/XX/2019. I received a fair offer of {$150000.00} which was the amount of SN Servicing BPO of my home value. The offer was reviewed and counter at {$230000.00} which was decided in XX/XX/2019. Since this time period I/we have been attempting to negotiate a reasonable purchase price ; however, the communication and response from XXXX XXXX has went silent and they are now only requesting to have the bankruptcy stay released to pursue foreclosure proceedings. I now have a ratified contract confirming a {$230000.00} purchase price subject to home appraisal. I am requesting assistance with XXXX XXXX to accept the short sale offer at a fair and reasonable priced based on market analysis of home.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15
Company: Spring Oaks Capital, LLC
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have been in various disputes with Spring Oaks Capital , LLC since they showed up on my credit report in XXXX of XXXX. This occurred after they spoke with spouse who informed them that we had not had any sort of loan through the company from which they purchased the supposed debt. 

The original creditor was XXXX XXXX. I've not even heard of XXXX XXXX until this ordeal, and I honestly couldn't say what sort of credit the company provides to customers. I know that I am not a customer, though, and they have apparently provided my information to the aforementioned debt collector. 

Since XXXX, as previously stated, I have filed several disputes regarding this $ XXXX debt. Somehow it has managed to still show on my credit report. 

The mind boggling part of this situation is how you're expected to prove a debt isn't yours, while the little, if any, proof the creditor provides is sufficient based on a similar name or something to that effect. A similar name does not constitute paying a debt that isn't due. 

I have unsuccessfully disputed numerous times because I haven't proved the debt isn't mine; but stating it's not should be enough. The burden should not fall on a supposed debtor who, like myself, may have no documentation of any sort because there was never credit provided to begin with. Creditors should actually have to prove who the correct debtor is rather than targeting an individual who possesses commonalities with the debtor. 

I am hoping for a better result going through the CFPB and hope to have this debt removed entirely.

Company response to consumer: Closed with explanation