BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-09-03
Company: WELLS FARGO & COMPANY
State: AE
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
XX/XX/XXXX, I declared bankruptcy and surrendered XXXX rental properties ( XXXX in XXXX and XXXX in XXXX. I was, and am, an XXXX XXXX military XXXX. These rental properties were meant to be a large part of my retirement income. At the time of the bankruptcy, I had great credit and no debt beyond the mortgages, but was forced to declare bankruptcy due to the housing crash and a real estate scam. 

While I was XXXX in XXXX and XXXX from XX/XX/XXXX to XX/XX/XXXX, I kept getting notices from my property manager in XXXX to send money to repair things. Once I returned to the states, I flew to XXXX and found out that I had been part of a real estate scam. My properties had been gutted bringing their value down to {$10000.00} and the real estate ring was charged with mortgage fraud. This left me with no alternative but to file bankruptcy to surrender the properties. I filed XX/XX/XXXX before XXXX in XXXX and my bankruptcy was discharged in XXXX XXXX, XXXX. The XXXX properties, at this time, were in good shape and rented for more than the cost of the mortgage and other related fees. Although the mortgages on these properties were less than the sales value, they were profitable. I surrendered the profitable XXXX properties as part of my estate and had the renters move out. 

The XXXX XXXX properties have since foreclosed, but the XXXX XXXX properties have yet to foreclose after five years and I have just been served with {$17000.00} in fines by the HOAs. I was served with these papers while currently XXXX in XXXX, and have had extreme difficulty in reaching the banks to try to resolve this issue. My wife, who is in the states and has my power of attorney, has also been unable to reach the banks to resolve this issue. These properties have not foreclosed even after papers being filed with the courts in XX/XX/XXXX and XX/XX/XXXX. 

If I had known that the banks would not foreclose for over XXXX years, I could have kept my renters in the properties and paid all fees associated with the houses over all of these years. Instead, in good faith, I surrendered the properties and did not feel I had the right to rent them out. These properties have now sat empty for XXXX years rendering them less likely to rent or sell and have been accumulating HOA fees and fines.

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 2021-04-19
Company: CAINE & WEINER COMPANY, INC.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXXnsurance company was supposed to give a at home order refund per the insurance commissioner. For XX/XX/2020 to XX/XX/2020. They never gave me my credit and when I left the company they stated I owed them. They actually owe me a balance for refund under governments order to stay at home for covid.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-01
Company: EQUIFAX, INC.
State: CA
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: Their investigation did not fix an error on your report

Complaint:
Hello, and i am a victim of inacurate and false information reporting by credit bureaus. I have submitted claims many times with all attached documentarion regarding the claim and everything thats neccesary to resolve it including police report. Credit bureau did not help me and many times even ignored my claims. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-18
Company: Brown Olcott, PLLC
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Brown|Olcott a collections agency sent me a demand letter on XX/XX/2020 with an incorrect debt amount. ( attached ) ... ... ..

Within the 30-day dispute window, I sent two dispute emails ( attached ) to them, but never got a response as required by the FTC FDCPA. The FDCPA requires the collection agency to cease collection activity while disputes are unanswered. It persisted without resolving the debt discrepancy ... ... ... 

The amount demanded was not delinquent on XX/XX/2020 and included amounts already paid, not yet past due, not yet invoiced, and associated with a recurring monthly fee that had never been delinquent. ( annotated creditor statement attached ) ... ... ..

Brown|Olcott filed a lien against my property and refused to remove it, despite all creditor 's invoices being paid directly to creditor. ( Creditor accepted payments in breach of its collection contract. ( attached )

Company response to consumer: Untimely response
Consumer complaint received 2021-04-19
Company: BAM Management US Holdings Inc.
State: NM
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
I have settled my owed balance to BAM Trading Services Inc. for {$1000.00} in my binance.us account. I am unable to withdraw funds ( usd ) or withdraw my crypto due to my account being suspendeddue to risk management. I am in urgent need of my funds to cover an upcoming medical expense.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-14
Company: Ocwen Financial Corporation
State: MN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Our loan was in good standing until it got transferred or sold to Ocwen. It has been nothing but a struggle with them for the last year in a half. They dont take payments and then when I call to get the issue resolved i struggled with people overseas that didnt care. They would tell me that I would have to enter a repayment plan and have to put a huge down payment down and i would and then i would make a payment and they wouldnt take the payment and then i would go through the whole process again, but then they would not take payment again and now the loan is XXXX months past due and im at my last wit ends with them. I need help, this company needs to be shut down.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-18
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Account information incorrect

Complaint:
Hello, I called Capital one to let them know of the issue with reporting. They agreed late payments shown would be removed. XXXX, XXXX, XXXX XXXX. Three were removed but the XX/XX/2020 is still showing. The negative reporting is now affecting my credit and employment status in this pandemic. I would like to request the derogatory remarks and late payment reporting on my credit report to be corrected and removed as agreed previously. Thank you kindly in advance for your help and I appreciate your help dearly.. Many Blessings to you and yours, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19
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 information incorrect

Complaint:
I decided to boost my credit through experian boost after seeing my score was XXXX with them as compared with XXXX & XXXX scores in the mid XXXX 's. After going through the boost site info filling in the boxes etc, I had to fill in my bank which is XXXX XXXX but was not a bank that experian on their list of hundreds of them they refused to remedy the problem. I contacted XXXX XXXX who told me that they are open to all three major credit services and could not fix my problem. Help me to fix this problem asap.

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 2016-10-17
Company: WELLS FARGO & COMPANY
State: NJ
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
In XXXX, XXXX, after just purchasing my home, I bought new furniture from XXXX Furniture through an installment plan, with a credit card financed by Wells Fargo Bank. The agreement was that if paid in full with a year, there would be no interest assessed. Unfortunately for me I lost my job in XXXX of XXXX with the only income coming from from my XXXX husband 's XXXX check. In spite of this, I have never not made my payment within 30 days. 

I was dismayed and outraged when I looked on my statement in XXXX XXXX to find that the {$4000.00} in payments i had made on this account was dissolved by the {$2500.00} in interest charges deducted from my account, now placing my account in a {$7300.00} deficit. Wells Fargo deducted in excess of {$1200.00} in XXXX and XXXX of XXXX as interest charges and when I called them to protest this, they berated me and told me if I paid {$5300.00} immediately they would waive the fee. I believe the interest charged on my account is usury, illegal and contemptible!! Wells Fargo is too big a bank to inflict such harsh charges on people struggling to make a life and pay their bills on time.

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 2021-04-18
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
Equifax keeps reporting a fraudulent address on my report. I never lived in the XXXX. I sent several letters with my correct address and they refuse to remove the fraudulent address. I sent documents showing my proper address that mail is delivered by the United States XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-17
Company: EQUIFAX, INC.
State: GA
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: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX  is mailing letters to Mr. XXXX XXXX and Mrs. XXXX XXXX in the names of XXXX and XXXX XXXX. My name is XXXX XXXX XXXX, not XXXX XXXX. In addition, XXXX XXXX is inaccurately reporting a loan account in our names, MrXXXX XXXX XXXX and Mrs. XXXX XXXX, to Equifax, XXXX and XXXX. In XX/XX/XXXX, we mortgaged a residential property, XXXX XXXX XXXX XXXX ; XXXX, Georgia XXXX with XXXX XXXX  for {$51000.00}. Our closing attorney performed a title search on the property. The title search came back free and clear which resulted in XXXX XXXX authorizing the sale of XXXX XXXX XXXX XXXX XXXX, Georgia. In XX/XX/XXXX, we sold the home to a buyer with written authorization from XXXX XXXX. On XX/XX/XXXX, XXXX XXXX XXXX, former Branch Manager/Assistant Vice-President of XXXX XXXX, XXXX XXXX, revealed to us a promissory note of a second mortgage loan, from year XXXX in our names that did not match our signatures. According to Mr. XXXX, the second mortgage did not meet XXXX approval guidelines and was fraudulent. The third page of the promissory note was duplicated with forged signatures. In XX/XX/XXXX, a Civil Action was filed resulting in a court order to restrain XXXX XXXX " from conducting any foreclosure '' on our former property. Even though XXXX XXXX authorized the sale of our former property in XX/XX/XXXX, Mr. XXXX XXXX and MrsXXXX XXXX XXXX has recently received notification from Equifax, XXXX, and XXXX regarding foreclosure action against the former property of Mr. XXXX XXXX and Mrs. XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19
Company: Experian Information Solutions Inc.
State: DE
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 reported identity theft on my credit report with Experian. I supplied all of the documents necessary and Experian refuses to remove the account. The creditor is XXXX and they are currently reporting a charge off with a balance. They have sold the debt to a collection agency and by law once the account was sold, they can no longer report a balance. Not only that but, this notification of identity theft additionally precludes XXXX from selling, transferring, or placing the debt for collection with any other party, pursuant to the provisions of FCRA 615 ( f ). They are in violation all across the board. I have reach out to legal counsel and my next step is to sue Experian and XXXX. They are ruining my life. I want this account removed and I will not accept a generic response for me to send in all of this info again. I have several copies of my report. I dont need another one and Ive sent it in over 5 times. Either they remove it or I sue for damages at this point.

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 2015-07-27
Company: WELLS FARGO & COMPANY
State: IL
Product: Debt collection
Sub-product: Mortgage
Issue: False statements or representation
Sub-issue: Indicated shouldn't respond to lawsuit

Complaint:
WELLS AND COLLECTION AGENTS AND ASSIGED LAW FIRMS FOR LAWSUIT DOCKET XXXX XXXX XXXX CIRCUIT COURT OF XXXX COUNTY WAS SERVED TO US VIA MAIL AND IN PERSON, REFUSED SUMMONS AND KEPT GETTING CALL FROM ALL PARTIES FOR XXXX XXXX XXXX, XXXX AND XXXX XXXX XXXX MY ESTRANGED FAMILY MEMEBERS. CALL CELL, WORK CELL AND SKIP TRACED XXXX IN VIOLATION OF FDCPA TCPA THIS WENT ON FROM XX/XX/2009 TIL NOW.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-01
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I received a letter from Wells Fargo today that my credit card was closed for inactivity. I am unable to access online statements associated with this account, even though Wells Fargo 's website says that online statements would be available for 2 years. I want my account reinstated/reopened. And I want Wells Fargo to fix their website so that I can view my online statements from this account again. Under Truth in Lending Regulations ( Z ), credit card companies are required to furnish periodic statements and have proper record retention practices. If I ca n't access my statements from year 2015, they are in violation of these regulations. These companies always want people to switch from paper to paperless statements as a cost savings and convenience measure. However, when it 's time to access the online statements, they 're unavailable.

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 2021-04-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I saw a {$1.00} charge from XX/XX/XXXX and then monthly charges for {$19.00} going back to XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX from merchant TRANSUNION. 

I am not even aware that I am signed up for any service from them other than the free credit freeze. The only reason I ever signed into their website was to lift a credit freeze that I placed long ago ( due to XXXX hack ). I never gave them my credit card information, so I do not know how they have been charging me. I never agreed to any service from them. 

I started a fraud investigation with my credit card company, XXXX. 

I signed into TransUnion website to see if it shows if I was signed up for anything and saw a link button on the website about " TransUnion Credit Monitoring '' cancellation so I clicked it to immediately cancel this service that I did not even know existed and I never signed up for. I am assuming that this is what the charges are for, as the credit card statement does not say what it is for.

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 2022-10-02
Company: Paypal Holdings, Inc
State: WA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Paypal is making promo offers, then not honoring the terms of those offers. 

XXXX ) Paypal offered {$15.00} off a XXXX purchase of {$25.00} or more. I, as well as many other people, were shown a {$15.00} discount prior to purchase, then were charged the full price by Paypal. Paypal is refusing to honor the {$15.00} discount they promised. 

XXXX ) Paypal offererd a {$25.00} bonus in cryptocurrency when purchasing {$100.00} in cryptocurrency through their site. After purchasing {$100.00}, they have refused to honor the {$25.00} bonus that was promised. 

In summary, Paypal has made promises for offers -- published on their website -- that they now are choosing not to honor. This thread, https : XXXX, contains multiple people who encountered similar situations, and who have been rejected by Paypal.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-24
Company: WELLS FARGO & COMPANY
State: CA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I have a home equity loan with Wells Fargo Bank. Beginning with the XXXX XXXX and XXXX XXXX payments I began using bill pay through XXXX. Using bill pay, XXXX {$1500.00} payments were made by me to WFB on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX that WFB received, but XXXX and then began harassing phone calls by WFB. I explained things numerous times to WFB representatives and provided them with the documentation proving that they had been paid timely. They nonetheless asserted late fess. I had them talk to my private banker to resolve things with no success. I asked them repeatedly to confirm that they have not reported late pays to the credit reporting agencies with no success. I have followed up repeatedly about things being resolved with no success. I have asked them to confirm that they had received payment because they then inexplicably refunded the two payments with no success..

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 2021-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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: Their investigation did not fix an error on your report

Complaint:
I've contacted XXXX and Trans Union on several occasions on why I am not an authorized user on my wife 's XXXX credit card account for XXXX dollars. The account is not reporting to Trans Union, XXXX said to me that they have been reporting to Trans Union, but Trans Union is not making any changes, Trans Union play 's the blame game and said it's XXXX fault, I honestly believe if this was reported accurately, I would definitely have a higher credit score. I've exhausted all my options and I need some help please, This account is reported to XXXX and also XXXX with no problems at all.

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 2016-11-03
Company: WELLS FARGO & COMPANY
State: DE
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I made a large deposit ( $ XXXX ) into my checking account with Wells Fargo Bank. The deposit was made on XXXX/XXXX/16. The bank said the funds would not be available until XXXX/XXXX/16 which is 11 days or 6 business days. I called to determine why it would take so long to validate the funds when they run a batch process for deposits and withdrawals on a nightly basis. Their response was - that 's how long it takes, which is ridiculous in this day and age. I also inquired if I was receiving interest while the funds were deposited in my account but not accessible and the answer was no. So in addition to not be able to access my funds I am also not receiving the benefit of earning interest on my deposit. And although the interest is paltry even on the large deposit I made, if they are subjecting all of their customers ( XXXX XXXX ) to this arduous XXXX6 days validation of deposits and not paying interest at the same time, it is a significant impact on the consumer. Especially considering the are the second largest depositor in the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-29
Company: Experian Information Solutions Inc.
State: MI
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:
On  XXXX    XXXX ,2017    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , Oh  XXXX   XXXX  Had an inquiry on my credit report that I did not authorize or approve of.

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 2021-04-19
Company: WELLS FARGO & COMPANY
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
On XX/XX/2020 I deposited a stimulus check that I received from XXXX. The amount of the check was {$1200.00}. I purchased a money order in the amount of {$200.00} to pay my Tithes. Please advise if you need a copy of the money order. I transferred {$500.00} into my saving account ending with XXXX. I was told by the bank the savings account closed automatically, because it wasn't being used Because I inquired about those transactions, the accounts were closed. New accounts were opened.

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