BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-07-12
Company: WELLS FARGO & COMPANY
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Hello, XX/XX/XXXX my mortgage was reinstated from a foreclosure ... and I was told that if I make the payment in full what I owed that my mortgage company would wave all legal fees and reinstate the mortgage, I did so, then I made a regular mortgage payment the next month and everything was fine, then I got a call about a recording fee and I told my mortgage all fee were waved, they said to me since all fee were waved that I have to write a letter asking for this low amount recording fee to be waved also, I did, then later that month my mortgage company contacted me and said I owe a large amount in reinstatement fees, I said over and over again that I was told all fees were waved, they said they would look into it and get back to me { all phone conversations are recorded when my mortgage company calls } I told them talk to the lady I talked to and listen to recording but in the end my mortgage company has tact on what they say I owe on the end of my mortgage this is wrong they told me no fees and they went back on their word, please help

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-18
Company: Army and Air Force Exchange Service
State: NY
Product: Credit card
Issue: Credit determination

Complaint:
XX/XX/XXXX I sent for a credit report. When I got the credit report it stated that my balance with Military Star Credit Card was {$6600.00}. Since I never charged anything around that date ( XXXX XXXX ) I was sent to the Military Star Fraud Dept. The fraud rep told me that he would be sending me copies of the transactions and I would be able to prove, with a signed photo ID, that the signature was not mine. That was the last I heard from Military Star. No mail. No calls. nothing. My son got very sick XX/XX/XXXX. I had much more to do than worry about Military Star. My son, age XXXX, lost his battle with XXXX in XXXX XXXX. In all my new credit reports I noticed that I had an outstanding balance with Military Star for {$6600.00}. It also said " account closed '' " no payment due ''. In XXXX of XXXX I called Military Star to ask about this posting on my credit report. They took the opportunity to update my contact info. I heard nothing from them. In XXXX of XXXX my credit scores drop by more than XXXX points. In checking my credit card I saw where Military Star had listed my account as 90 days overdo. Please keep in mind I had heard nothing from them. I called Military Star, sent to the fraud dept. where I was told to call my congressman and I was obligated to pay the outstanding balance of {$6800.00}. If I did not they would garnish my V.A. XXXX payments. I spoke to a XXXX XXXX XXXX ( head of the fraud dept. at Military Star ). He stated he would investigate my allegations and get back to me. Of course, he did n't. I waited several days after trying to contact XXXX XXXX and one of his assistants that XXXX XXXX had prepared but never sent to me. The assistant told me that XXXX XXXX had decided that my fraud claim was not valid and I had to pay the {$6800.00} that was charged fraudulently. No reason. No explanation. I then sent an e-mail to the fraud dept. stating I was XXXX, on a XXXX, the day the XXXX where made. From XXXX to XXXX XXXX XXXX did not try to communicate with me by any of the means they could have contacted me with. I tried XXXX XXXX and they too ignored me. Due to the late payment on my charge account in ( with Military Star XXXX XXXX XXXX ) I was listed as 90 days late on my payments. Again I was never told by Military Star that I owed this money ( no Billing statements, no phone calls. After I called Military Star I was informed that if I did n't make the payments my Veterans Comp would be garnished throuh my months deposit of my Veterasns Admin XXXX Comp. I paid what I could and transferred the balance to another credit card. No amount of reasoning with Military Star yielded a result. I was not aware of your services until yesterday. I hope the can get some positive result. My name is XXXX XXXX, address XXXX XXXX XXXX, XXXX XXXX XXXX, SS # XXXX. I am a XXXX service W/connected info at I was would proceed I always contacted person.COULD with no certain outcome. # contact me at XXXX. Thank You XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-26
Company: WELLS FARGO & COMPANY
State: CO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
RE : {$500000.00} Loan Requirement the Day Before Closing? 
Loan ID : XXXX Loan Amount : {$100000.00} Mortgage Consultant : XXXX XXXX XXXX XXXX ID XXXX Sir/madam : Yes it 's true. We learned about a Wells Fargo mortgage approval condition requiring we put {$500000.00} into a Wells Fargo account the day before our closing. Not only was this a complete surprise to us, it felt like blackmail. Let me explain. 

We 've purchased several homes in our lives and this one was by far the smallest. We were asking for a {$100000.00} loan for a studio in a resort area of XXXX, Colorado. We knew up-front the approval of said loan would require special approval because of the resort status but were assured that because we were putting more than 20 % down, had excellent credit and income, we were good candidates. We also had over {$100000.00} in our Wells Fargo account during the process. Wells Fargo also carries the mortgage of our current home. As mentioned, the special 'resort ' approval was n't a surprise but the fact that a {$500000.00} deposit was never mentioned until the day before closing and was conveyed as a necessary requirement for loan approval was a complete and utterly disturbing surprise. If we had known about this bizarre requirement at the beginning of this process, we would have ceased all efforts with Wells Fargo. 

Needless to say, we refused to participate in what seemed like extortion and were ultimately denied. In addition to having to grapple with this unexpected and disturbing situation, we were informed we 'd be losing our {$5000.00} earnest money because we did n't receive loan approval as scheduled. This is an issue we 're dealing with via the broker 's office but it is important you understand the full fall-out of this mishandled situation. We will be pulling our {$100000.00} in cash from Wells Fargo and putting it elsewhere in coming weeks. 

I have informed the Consumer Financial Protection Bureau and requested this matter be investigated. I 've also notified The Wells Group Real Estate Brokerage.

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 2015-06-09
Company: Financial Credit Service, Inc.
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
ARA Inc employees have called me several times, cursed at me, yelled at me, threatened to ruin my credit, threatened to contact my employer, and threatened to sue me over a disputed credit card debt the collection of which is barred by the statute of limitations. ARA Inc employees have been very abusive, and when confronted with the fact that the debt is disputed and not collectible they become even more abusive, and more threatening including calling me several more times. What prompted this complaint was a letter I received yesterday threatening collections action, again.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-09
Company: Trident Asset Management, L.L.C.
State: VA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
In 2010, my check book was stolen unknowingly because I do n't use checks for transactions but at the time I thought it was wise to have some since i can get them free from my bank. This particular checks that were stolen was from an account that I already closed but forgot to dispose of the checks. However, whoever that stole the checks was allowed by XXXX and and XXXX to transact business without proof of identification. I have called and informed XXXX about this matter but nothing was done.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-27
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am filing this complaint because PORTFOLIO RC have ignored my request to provide me with ALL documents that their company has on file that was used to verify the accounts I disputed. They only sent insufficient validation documents. Being that they have gone past the 30 day mark and can not verify these accounts under Section 611 ( 5 ) ( A ) of the FCRA- they are required to. Promptly delete all information which can not be verified. Please resolve this manner as soon as possible thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07
Company: CL Holdings LLC
State: OK
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They call, say this phone call is recorded ask if Im so and so I say who is this, they reply with does your social end in XXXX, I say who is this and who do you work for? They reply with us this your address, I say who is this and who do you work for. They speed through who they are and who they work for and say Im terminating the call. Mean while I know its the debt collection company but they talk so fast I cant hear exactly who/what company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-21
Company: Experian Information Solutions Inc.
State: TX
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 Applied for credit on XXXX to finance a vehicle through XXXX XXXX. XXXX At the XXXX XXXX in XXXX, they should have been able to pull the original approved application from XXXX. Instead they pulled my credit on their own, even after I made sure to tell them multiple times that I didn't want my credit to be pulled again. I also did not sign any consent to my credit to be pulled by the dealership. XXXX Asked the dealership why my credit was pulled. They said because I authorized XXXX XXXX, they could do so as well. They said they would not request the inquiry be deleted from my credit history.

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 2022-10-07
Company: EQUIFAX, INC.
State: NY
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:
According to the law 15 U.S. Code 1681i - Procedure in case of disputed accuracy. If the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notified the agency, directly or indirectly through a reseller of such dispute, the agency shall, free of charge conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate, and record the current status of the disputed information or delete the item from the file in accordance with paragraph five before the end of the 30 day. Beginning on the date on which the agency receives the notice of the dispute from the consumer or a reseller. Please see attached file. 

The close dates are different from each bureau. 
The last report date is different from each bureau. 
The payment data is different from each bureau. 

Account : XXXX XXXX  XXXX Account number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10
Company: EQUIFAX, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including XXXX bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. 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

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-10
Company: PNC Bank N.A.
State: NJ
Product: Mortgage
Sub-product: VA mortgage
Issue: Application, originator, mortgage broker

Complaint:
Hello, I would like to file a complaint against PNC Bank. My loan officer for the process was XXXX XXXX XXXX XXXX # XXXX. As a first time home buyer applying for a VA loan I was unsure of what fees if any would be appropriate. When asking to put in a formal application I was told that an Application Fee of {$520.00} would be charged. I agreed as I was told that the Department was having a Special which ended that day, and I would need to put the application in to lock the lower rate. The day after I requested the application be withdrawn but was told I would not receive the fee back. 

I would first like to note that VA loans do not allow the veteran to pay an application fee. Secondly I would like to argue that this is a XXXX violation qualifying as unfair deceptive and abusive for the following reasons : Unfair 1. I sustained substiantial injury ( {$520.00} ) 2. The injury is not avoidable as it is necessary for the application 3. There were no counter ceiling benefits as I withdrew the loan. 

Deceptive : 1. I believe the Special they held was an attempt to mislead me 2. My interpretation wa that there was no other was to be approved for a loan without being charged such fees. 
3. The act was material ( {$520.00} ) Abusive 1. The act took unreasonable advantage of my understanding of the loan/ application process. 

I do know that it is encouraged for consumers to shop for their loans. I would like to argue that unreasonable application fees restrict consumers to do this. I was also charged this fee before receiving my Closing Disclosure and Good Faith Estimate. I would like to request my application fee be refunded and note unreasonable application fees a XXXX issue. Please investigate, thanks!

Company response to consumer: Closed
Consumer complaint received 2015-07-01
Company: Paypal Holdings, Inc
State: NJ
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
This is a complaint against PayPal. They made a payment from my account without my authorization, to eBay buyer. I got a damaged returned item, but did not have a chance to inspect it, PayPal instantly withdrew funds from my account leaving me completely without consumer protection.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-16
Company: Paypal Holdings, Inc
State: CT
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
Paypal Credit is requesting a high minimum payment well over XXXX, I do not have the exact amount available, however, I know its over XXXX. I understand the account is past due, however, this amount far exceeds my weekly paycheck. Ive attempted to request this amount lowered, however, calls are transfered over to collections and reps will not lower amount. This is highly unfortunate as it is in the best interest to cooperate if they wish to see any kind of payment ( s ) at all. Please advise them I can not pay such a high amount, it will have to be lowered.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-22
Company: Paypal Holdings, Inc
State: AZ
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
Paypal fraudulently initiated a hard credit inquiry and opened a {$5000.00} Credit Account, in my name, without my written permission. I had no idea this was occurring until my credit score, which is just over XXXX, dropped due to the unauthorized hard credit inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-12
Company: Paypal Holdings, Inc
State: IL
Product: Prepaid card
Sub-product: Mobile wallet
Issue: Managing, opening, or closing account

Complaint:
I have funds in my Paypal account. Suddenly, Paypal limited my account and I am no longer able to access my own funds.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-10
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I reached out to XXXX for my federal to and applied for a deferment with a representative and 2 days later they reported account as delinquent and my credit decreased XXXX points. Once the deferment is in place my account is brought current. I called on friday the representative apologize and said they would not fix what was reported to the credit bureaus. 

This is horrible I just increased my credit XXXX points and due to their error my credit score is paying for 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 explanation
Consumer complaint received 2022-01-27
Company: Skrill USA, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
About {$1500.00}. XXXX owes me they have. Blocked my contact nunber from calling them they have blocked my account and wont allow me get my money out

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I complaint to Capital one about their practices in XXXX2015 and at that time told them to close my account and to send me a final bill. They sent me a email detailing the amount due in XXXX2015, but did not close the account despite several back and forth online chats to do so. But they did, following these chats send the email of the total they said was due at the time but did not close the account. So now they have been sending me email telling me they are going to charge off my account as it is 6 months overdue. And from my last filed complaint on here, they refused to send me a paper or email account of what when on, so all their correspondence is one sided basically except for email and the billing notices.. People stay away from this bank worse company I have ever dealt with. could not attach in XXXX step so placing document here. The email sent when I requested they send balance. it is almost XXXX dollars now. 

Capital One Add to contacts XXXX/XXXX/15 To : XXXXXXXXXXXX Account ending in XXXX XXXX, As requested, we 're notifying you that as of XXXX XXXX, 2015, your Capital One XXXX From : Capital One XXXX You moved this message to its current location. 
Sent : XXXX XXXX/XXXX/15 XXXX XXXX To : XXXXXXXXXXXX Check your account balance today. 








Your balance has reached {$330.00}. 




RE : Account ending in XXXX XXXX, As requested, we 're notifying you that as of XXXX XXXX, 2015, your Capital One XXXX account balance is {$330.00}. This balance does not reflect pending transactions. 

Please visit Online Banking to view transaction details.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10
Company: CITIBANK, N.A.
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I signed up for a Citi Bank checking & saving account in XX/XX/2020. I signed up under a promotion which would provide {$400.00} for maintaining a {$15000.00} balance for 60 days and {$100.00} for making two qualifying direct deposits. On or before XX/XX/XXXX, I met these requirements. Citi was contractually obligated to deposit the {$500.00} into my account by XX/XX/XXXX ( 90 days after I met the criteria ). 

On XX/XX/XXXX, I contacted Citi, who agreed that the money should have been deposited and promised to deposit the money by the end of XXXX. Some time after XX/XX/XXXX, Citi bank closed my checking account without my authorization, notification, or request. 

On XX/XX/XXXX, Citi bank issued a letter stating that the funds could not be deposited because the checking account had been closed. This letter falsely stated that I had closed my account on XX/XX/XXXX. On XX/XX/XXXX, I spoke with a representative who confirmed that Citi was in error, acknowledged that the {$500.00} should have been deposited on or before XX/XX/XXXX, and acknowledged that Citi had mistakenly stated that my account was closed on XX/XX/XXXX. 

On XX/XX/XXXX, however, I received another letter again falsely stating that my account had been closed on XX/XX/XXXX, and I was therefore not eligible for the {$500.00} reward. On XX/XX/XXXX, I spoke with another phone representative who also acknowledged Citi 's error, but was unable to provide assurances that this issue would be resolved.

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