BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-04-22
Company: Ocwen Financial Corporation
State: OH
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
I also want you the cfpb to know that I did a deposition for a lawyer out of texas, he is defending XXXX whistle blowers that use to work for ocwen and I came across some very interesting emails from ocwen laughing and joking at our situation.. a lady named XXXX XXXX and another lady lol with smiley faces one asking the other to get us a mod and the other one saying like that will ever happen lol with a smiley face at the end ... but since you guys have let them do this to my family since 2011 you probably think its funny too ... thas fine and now the have XXXX to foreclose on us right after our deposition and they are the ones making a joke of it ... that 's ok its things like this that make our cases bc no one else cares and that 's the truth ... shame on you cfpb

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13
Company: Bay Area Receivables, Inc
State: MD
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: Problem with personal statement of dispute

Complaint:
BAY ARE RECEIVABLES add a derogatory mark on my credit report per XXXX XXXX. Upon further research, this account was transferred/sold and i am no longer responsible for this account. Debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contact, signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say it's mines. According to the FCRA, BAY ARE RECEIVABLES has violated my rights as a consumer and i'm requesting legal action to remove this account immediately.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-17
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
EQUIFAX, XXXX AND XXXX XXXX HAS SOME ITEMS ON MY CREDIT REPORTS THEY REFUSE TO REMOVE/DELETE.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13
Company: NAVY FEDERAL CREDIT UNION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Navy Federal closed my business account unfairly. I tried calling them to understand but they did not provide me with an actual reason why they closed it.

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 2016-07-26
Company: Jon Barry and Associates, Inc.
State: CT
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I recently pulled my XXXX major credit reports. This debt is appearing. It is not my debt. I have requested written XXXX from both of the collection agencies/law offices and the original creditor. I requested XXXX over 30 days ago. I have not heard from the original creditor or the collection agency regarding this debt. I supplied a copy of my ID, my social security #, and proof of address to all parties. I was never in their facility/hospital/office. I have shown proof of residence as well as tax documents to show my employment was NOT in their area. I want this deleted from my XXXX as they have failed to prove it is my debt. In fact when I call the original creditor they have an entirely different name and social security # listed in the original file. This is what prompted me to send proof of ID and social security number. This is NOT my debt and I want it closed and removed from my XXXX immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-21
Company: CL Holdings LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I did not open this account and believe it was identity theft. I already tried to dispute this debt with the collector on XXXX, 2020. I keep getting letters from XXXX XXXX even though it was said it was taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-13
Company: ZENCO COLLECTION, LLC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
On XX/XX/2015 my parents whom live in XXXX were contacted by a representative from Zenco. They claimed that i owed money on a debt that i never had and disclosed my whole social security number to my parents. They also said that they will be taking me to court in XXXX XXXX because of this. So i called this number ( XXXX ) and left a message stating not to call my parent phone again and not to call me regarding this alleged debt without sending me the following in the mail. The amount of the debt, the name of the creditor to whom the debt is owed, Proof that you are licensed to collect debts in XXXX, Proof of the last payment made on the account. I received a phone call on XX/XX/2015 at approximately XXXX Eastern Standard time and a gentleman claiming to be from there legal department stated that he could call my parents and whom ever else he wants even if he is told not to. He then said that " fraud '' charges would be filed in XXXX XXXX against me. When i asked him to send me proof of this alleged debt he refused to do so. I asked again and he still refused and said he does n't have to. I got got angry and used profane language and he said something i regards of my mother and that they would be taking my tax return.I then called back at XXXX EST and left a message stating that no more communication between them and anybody else is prohibited and that i will be making a complaint with the FTC.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-13
Company: WELLS FARGO & COMPANY
State: NY
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
For several months I received an Email monthly stating that my Bill Pay account at Wells Fargo Bank.had been debited. I have no accounts of any kind with any Wells Fargo branch. Could this have been one of the fake accounts recently discoevred? Copy of one of the Email follows. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- From : XXXXXXXXXXXX To : XXXXXXXXXXXX Sent : XX/XX/2016 XXXX Eastern Daylight Time Subj : Wells Fargo Bill Pay : Payment ( s ) Sent Wells Fargo wellsfargo.com Bill Pay payment was sent We have sent the following Bill Pay payment ( s ) : Payee Name ( Nickname ) Amount Sent Date Sent Delivery Date WELLS FARGO FINANCIAL NATIONAL B {$200.00} XXXX/XXXX/2016 XXXX/XXXX/2016 Please note : We have debited your Bill Pay payment account ( s ) for the above payment amount ( s ). It may take up to three business days for payments sent electronically to be posted to your payee account. It may take up to five business days for payments sent by check to be delivered to your payee. 
If you have questions, we are available 24 hours a day, 7 days a week. Call Wells Fargo Online Customer Service at XXXX or sign on to send a secure email. 
To unsubscribe from this notification, please sign on to Bill Pay. 
wellsfargo.com | Fraud Information Center Please do not reply to this automated email. Sign on to send a secure email.

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 2021-03-21
Company: Experian Information Solutions 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: Public record information inaccurate

Complaint:
I have requested validation of the Bankruptcy XXXX XXXX that Experian is currently reporting inaccurately on my credit report. They also have accounts : ( XXXX XXXX XXXX  ) stating included in chapter XXXX bankruptcy as well. 
These are just some of the file numbers of requests I have made to Experian to remove the inaccurate information on my credit file ; XXXX, XXXX and XXXX. With all of these complaints Experian responded stating " the account as verified as accurate by the creditor. 

I have disputed that the inaccuracy consisted : incorrect date of filing and resolved. I have disputed the chapter XXXX bankruptcy as being inaccurate. I disputed the entire information on credit file with the bankruptcy was inaccurate. 

I have included a copy of the bankruptcy with dates that they claimed they verified and the type which they claimed they verified and with the dates of discharge which they claimed they verified multiple times. 

The inaccurate reporting of my credit file was the reason for my denial for the home I was trying to purchase for my retirement this coming 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 non-monetary relief
Consumer complaint received 2016-03-03
Company: CITIBANK, N.A.
State: VA
Product: Credit card
Issue: Billing disputes

Complaint:
I made a purchase from a door to door salesman on XXXX XXXX, 2015. I contacted the Merchant ( XXXX XXXX XXXX ) on XXXX XXXX and XXXX XXXX, 2015 to cancel the sale and request they come and retrieve their merchandise. Per the FTC " cooling off period '' rule, I am allowed to cancel any sale made in my home for any reason without the merchants ' consent. XXXX I paid for the transaction using my Sears MasterCard issued by Citibank Retail Services ( CRS ). I disputed the charge with Citibank and cited that I had canceled the transaction per my rights as noted by the FTC rules. CRS did initially provide me with a temporary credit for the disputed amount. However, one month later they sent me a letter reversing the charge, stating that the merchant MUST agree to the cancellation. I sent follow up documentation citing again the FTC rule as well as the correspondence between the merchant and me and they again told me the merchant must agree in order for them to cancel the sale.

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 2016-05-06
Company: CITIBANK, N.A.
State: SD
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
In XXXX of 2015 I opened a CitiGold Checking account with Citibank. Despite being told by multiple representatives over the course of approximately six months that I was eligible and had met all the requirements ( and keeping the chat logs from online conversations with Citi representatives ), now Citi is reneging on their word and refusing to give the XXXX XXXX XXXX miles they had agreed to award. I want Citi to simply honor the terms of the agreement and award the miles.

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 2022-03-26
Company: BARCLAYS BANK DELAWARE
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
After many years of having an XXXX XXXX we were informed last XXXX that our account would now be with Barclays. I immediately informed XXXX that I did NOT want an account with this lender and they did NOT have my permission to transfer my account or my info to Barclays. Within a few days credit cards arrived demonstrating that they had done exactly what I told them not to. Somehow there were even charges on the card even though we shredded them the day they arrived and never used them. I have written to Barclays and XXXX and called both numerous times and to this day the {$25000.00} account remains open. I did receive a statement with a zero balance months ago but see through XXXX that the account remains open. I also disputed this through XXXX. I have literally been transfered from one country to another in an attempt to close this account. My most recent contact was a call to Barclays several weeks ago again asking that the card be closed and that I receive documentation stating such. I have not received any communication from 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 2022-10-13
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
After many months of trying to get PayPal to send me my balance of {$50.00}. with no success, I called on XX/XX/XXXX. After a long cue I was able to speak with an offshore agent only to increase my frustration. I asked for a Supervisor numerous times before another long hold. After more than 45 minutes, I learned that although I have been a verified member since XXXX, PayPal policy will not allow them to send a check to my address of record because it is a po box XXXX 
In 14 years they had no problem taking money from my credit card with the billing address to the po box XXXX My account has always used this po box XXXX 

XX/XX/XXXX PayPal insisted on a home address ( as a victim of a violent crime mine is protected ). They asked for my drivers license. It also has my po box listed. They asked for a bank account, or a debit card. 
1. I tried to add a debit card numerous times to facilitate receiving my {$50.00} credit balance. Their system would not accept it. Each time prompting me to try again later - 2. I explained this to the supervisor who walked me through the steps- again their system would not accept my valid debit card. I asked him to please send me my money. He declined. He insisted on more personal information. 
3. I dont trust PayPal with my bank account based on all the complaints against PayPal .

4. I asked to close out my account- not add to their data base.

5. The Supervisor said I can not close my account with a credit balance.

6. They refuse to transfer my {$50.00} to my Visa credit card.

7. PayPal created a catch 22 situation to their benefit and consumer/ my detriment.

They refuse to release my funds and refuse to close my account and remove my credit card from my PayPal account.

Can you assist?

Can you request my account credit balance of {$50.00} be sent to CFPB?

Thank you,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-24
Company: WELLS FARGO & COMPANY
State: FL
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
Wells Fargo has been running my credit report multiple times over the last year and now I am being denied credit because I have too many inquiries in my report. I never requested or consented for the bank to check my credit report except at the time of opening the account and today when credit was denied based on their own inquires.

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 2015-12-13
Company: WELLS FARGO & COMPANY
State: ID
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
I have disputed this issue with all credit bureaus but I think they did n't understand my dispute. My complaint is about XXXX Mortgage XXXX. Wells Fargo Home Mortgage lost a class action suit because of their fraudulent mortgage practices.. I was part of that suit. It started 2012. I left consumers an option to recover additional monetary damages and other remedies. My credit has been damaged because of them reporting it as " foreclosure ''. I ca n't get any credit, loans, etc. 
My mortgage account was under XXXX XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Being billed by a fitness center without a billing agreement. Bank of America did not respond to last complaint. Seeking the closure of both checking accounts in my name at Bank of America. Seeking reversal of all XXXX XXXX charges on accounting and subsequent service/overdraft fees. Bank of America is difficult to contact regarding filling of claim, with phone hold times exceeding an 1.5 hours.

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 2021-01-13
Company: COLUMBIA BANKING SYSTEM, INC.
State: OR
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/XXXX I reached out to my loan officer at Columbia Bank regarding payment deferral options. I did this because my partner and I 's business was shut down by a county and city order. Due to the initial uncertainity of the pamdemic I wanted to conserve money for operational costs that would be ongoing. The process was very simple, the loan officer emailed that I was qualified and sent a one page Change in Terms Agreement form ; attached. As a result the payment for XXXX, XXXX, XXXX, and XXXX were deferred and I resumed regular monthly principal and interest payments on XX/XX/XXXX. As I understood as stated in attached document. 

XX/XX/XXXX, by mail I received a paper statement, I immediately noticed my payments did not apply towards principal, only interest. Prior to the deferral agreement being executed, principal and interest were not in question. I reached out to the bank and was told that principal would not be applied until the accruing interest durning the deferment period was paid in full. I could not find nor was I informed of that wording in the new agreement. In order to get the monthly payments to be applied to principal, and interest, I immediately paid over {$2700.00} from my savings. This was my best option in order to stop the interest and get back on track. Now I needed to figure out how this happened. 

I have reread the Change In Terms Agreement as well as the subsequent explanation from the loan officer. I do not believe the document provided, nor the attached emails with the loan officer, to execute the loan, sufficiently explained the Change In Term Agreement. Nor to my understanding, resumed payments would not be applied towards principal and interest as they were prior to this agreement were properly conveyed to me by my loan officer. 

Had I been provided and properly explained all the information from the lender, to make an educated decision, I would have declined using the deferment as part of my strategy to get through the uncertain times of this pandemic. A consumer should be heard and appropriate considerations should be taken in to account by their lender. I have attached our correspondence and document regarding 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 2016-03-02
Company: WELLS FARGO & COMPANY
State: FL
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
Wells Fargo HELOC Submitted HLOC application online on XXXX XXXX XXXX Although Wells Fargo portal Under Review states " May take up XXXX to five days '' has been taking much longer. 
All documents required by Wells Fargo online portal were uploaded within a few days of application but the Home Equity Specialist kept asking for documents that had already been uploaded. 
A few days prior to XXXX XXXX XXXX I raised a XXXX discrimination complaint on the basis Wells Fargo asked for my XXXX divorce documents ( I 'm male ) but not those of my wife. This resulted in Wells Fargo then asking for my wife 's XXXX divorce documents. 
Every week Wells Fargo ask for more documents. 
I feel I 'm being discriminated against because I raised a complaint. 
The application process has now been three months ; Wells Fargo continue to ask for documents and still no closing date given.

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 2015-05-05
Company: WELLS FARGO & COMPANY
State: MD
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
In 2005 I refinanced my home with a interest only loan. The terms were 10 years interest only at 5.5 % what I did n't realize was that after the 10 yea years it turned into a 5 year loan at 5.5 %. My payment has gone from {$1800.00} per month to {$5900.00} per month. I had figured out what was happ- ening two years ago. My mortgage is with Wells Fargo and is serviced by XXXX America 's servicing Co . So in the last 2 years I have made numerous attempts to refinance and or modify. Wells Fargo rejected me twice for the mod after lengthy processes saying I was not in financial distress and suggested being delinquent for 3 months which I refused to do. 
have also tried to refi with them 4 times and was rejected because of income. Unfortunately my son XXXX 3 years ago and I stopped working for a year and a half. So being self employed they need 2 years of income history to refi. Is this legal?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DE
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
with a credit score of XXXX I have been denied a pre-qualifed offer from Capital One Auto Finance. Reason unable to verify sufficient income. What steps were taken to verify sufficient income?

Company response to consumer: Closed with explanation