BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-19
Company: SYNCHRONY FINANCIAL
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:
approx XX/XX/2020 i contacted paypal about a refund credit from a retailer just to see if it had posted, the custsvc agt asked if i had received the new card issued automatically from paypal mastercard ( ppl ) I said no, cust svc said no prob we will reissue, i never reported card stolen lost or fraud, the agent reported the card as lost stolen fraud and it is listed on my credit report this way along with approx 3 replacement card numbers which also shows on credit report as though i have 3-4 accts with paypal as oppose to the one which has a XXXX limit. Mind you this acct was paid in full and none of these replaced cards were ever used by me or anyone else, i tried to have the credit bureaus update and show only one paypal acct and to remove this closed/fraud/stolen/lost due to the fact that the acct was still open ( as i prefer ) with a zero balance. they could not correct so i contacted cfpt but the problem has gotten worse, today i was told by paypal the acct is now closed due to fraud ( i always paid, had this acct for years, and i opened it myself ) they are stating now that it was fraudulently opened and i would need to reapply. i am concerned with what has happened here

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 2015-11-06
Company: WELLS FARGO & COMPANY
State: TX
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
Fraud occurred on my credit card and I was alerted by Wells Fargo and issued a new card. However when I got the new card they put the fraudulent transaction back on the new card. I have called and called to ask them to take the charges off but it never happens. This happened in XXXX and I still can not get it fixed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-19
Company: NAVY FEDERAL CREDIT UNION
State: SC
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Navy Federal Credit Union froze my accounts and told me several untrue statements in regards to my account ( checking and credit cards ) so I decided to file a bankruptcy. The statements they told me were untrue and caused significant harm to my credit and life.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-17
Company: WELLS FARGO & COMPANY
State: WA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Wells Fargo wrongfully denied a modification because : They said you had to be in default to qualify ( which I do n't ) ; There was a change in circumstances because I lost one of my jobs that they did n't consider.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Old information reappears or never goes away

Complaint:
I was denied employment with XXXX XXXX  XXXX XXXX  in XX/XX/XXXX for a position as a agent due to the incorrect credit reporting information from on the credit bureaus. I have multiple write offs from multiple lenders and that should have been taken care of XX/XX/XXXX. This date is when I was working through a credit agency that sent multiple disputes to clear many inaccuracies of the reporting charge-offs. Due to covid I was denied many jobs and housing ( denied mortgage ). The information being reported is incorrect as far as dates and account information. How should I go about remedy this situation? 

God bless!

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 2016-09-20
Company: WELLS FARGO & COMPANY
State: TX
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I was paying my Wells Fargo Visa card in full as they had perpetrated fraud on the account. This has previously been reported to the CFPB. I called the phone number on the back of the Wells Fargo Visa card as the amount that was reported on the statement was apparently incorrect as there was an approximate {$42.00} still owed on the card. I explained I was closing the card. Wells Fargo said I could pay directly from my XXXX Bank account. She asked for the account and routing number which I gave her. I checked the Wells Fargo Statement and {$9.00} was owed on the card. I called the number on the back of the card again and spoke with XXXX women. They each explained this charge was interest on the card. I explained the card was paid off and closed. I also requested their explanations of this charge be sent to me in writing. All said this could not be done. The last woman I spoke to, XXXX, finally said the {$9.00} would be waived. I agreed. I checked my XXXX Bank acct on XX/XX/2016 and the {$9.00} had been withdrawn without my agreement. I again called Wells Fargo and was told that Wells Fraud Investigators would contact me. I said to please make note that they should contact me in writing only. Yesterday, I received a phone call from Wells Fargo which I will not return. Also, yesterday I received a letter from Wells Fargo Card Service stating, " thank you for using our telephone payment service ... .. ''. for payment of the {$9.00}. I never gave them permission to once again enter my XXXX BANK ACCOUNT for this amount. THIS PRACTICE IS QUITE FRIGHTENING. I have notified XXXX Bank concerning this fraudulent practice.

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 2016-04-14
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
file has failed Quality control review twice now. 
This is the 2nd time this happens and the file is declined for failing quality control review we have not received a clear answer of why this is happening on this account. The only answer we got is it failed QC and its not in the investors best interest to accept the offer. 
This file was previously closed out because we were advised the file failed QC, per Wells Fargo a party involved is questionable and black listed. We were informed that it was the Buyers, so the agents looked for a new offer and obtained one which we now submitted. 

This new offer has been declined, I was informed Wells Fargo decided to close out the file. Per the Short Sale dept. the short sale does not meet quality standards and there is a questionable person involved in the transaction who has been black listed. 

I 'm concerned that its either the agent or the sellers as this is the 2nd time this happens. 

There is a XXXX XXXX foreclosure sale date and we are doing everything we can to get this short sale completed and avoid a foreclosure for Wells Fargo and the seller but Wells Fargo will not provide us clear answers in order to resolve the issue at hand and complete the short sale with an acceptable offer. They rather remain vague and let the property go into foreclosure by playing these games.

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 2015-06-03
Company: WELLS FARGO & COMPANY
State: IA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
Wells Fargo bank is reordering payments to increase amount of overdraft fees they can charge. I wrote a check for XXXX to pay for the rent and deposit on a new place that was written on XXXX/XXXX/15 but was n't deposited until XXXX. I had XXXX payments that cleared before the overdraft hit my account that processed on XXXX and XXXX. Wells Fargo reordered the checks so the check was processed before the payments increasing my over draft fees from XXXX to XXXX plus the amounts of the payments they had already processed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-03-27
Company: WESTERN UNION COMPANY, THE
State: CA
Product: Money transfers
Sub-product: International money transfer
Issue: Other transaction issues

Complaint:
I sent 200 dollars to XXXX for my mohter using Western Union on XXXX, after XXXX attempts to collect i called Western Union XXXX XXXX who indicated it was best to cancel the transfer. It was canceled over the phone but i never got a refund, after XXXX calls to their customer support, today being XXXX, i have ran out of options, so i 'm filing a complaint here. The money transfer was charged to my bank account despite the cancelation, and Western Union has n't been able or willing to provide a refund for a service it never rendered.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-30
Company: Phoenix Financial Services LLC
State: NC
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have bill from " XXXX XXXX XXXX XXXX XXXX " on XXXX XXXX 2015 ( amount {$550.00} XXXX, and it was paid in full. 
but I 'm still getting contact by the collection agency " ( Phoenix Financial Services, LLC XXXX XXXX XXXX XXXX, IN XXXX XXXXXXXXphoenixfinancialsvcs.com XXXX XXXX ) XXXX ) '' and they still want me to pay ( {$400.00} ) to remove this debt from my credit.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
TransUnion is continuously reporting unverified, inaccurate, negative information on my credit report, pertaining to XXXX XXXX XXXX. 

TransUnion has failed to investigate / reinvestigate this negative information, and has refused to provide the method of its investigation. 

The information is inaccurate, unverified and I'd like it to be removed from my credit report, immediately.

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 2017-03-21
Company: HW Holding, Inc
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Hunter Warfield is a debt collector that purchased a debt from XXXX, an apartment complex in XXXX. In XX/XX/2016, they fraudulently placed a collection account on my credit reports. Upon obtaining the account documentation from Hunter Warfield, it was clear that the account was fraudulent, and not only did I not ever owe XXXX ( and accordingly Hunter Warfield ) any money, they actually owed me money. However, my attorney made Hunter Warfield an offer of settlement - remove the collection from my credit reports, and I would not pursue recovery of the funds owed to me ( plus attorneys ' fees ). 

Although Hunter Warfield never responded to my attorney 's numerous emails and calls, they did remove the account from my credit report. Now, more than 6 months later, they have re-reported the same debt, which they know to be both fraudulent and non-collectible. This is a clear violation of both state and federal debt collection practices, and is only an attempt to extort me for the funds.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-20
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
In 2006 I applied for a home equity loan from XXXX XXXX Bank. XXXX XXXX Bank committed fraud in the origination of this loan because it charged me more fees as an XXXX than that of XXXX borrowers. XXXX XXXX was sued by your agency and paid a settlement. RBS Citizen bought the fraudulent loan from XXXX ( XXXX XXXX Bank was acquired by XXXX ) and now is suing me to collect.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-28
Company: ERC
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Collection agency in Florida continues to harass my home by calling and leaving no message although I have called them and asked to be removed from phone base and informed them person they are attempting to reach ( XXXX XXXX ) has never lived here and is unknown to me! There are numerous complaints an line regarding these creatures and nothing seems to be done regarding the problem.

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 2021-02-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
This bank closed XXXX XXXX car wiwuhour my notice nor fair I just got this account they raise my limit then the same week They closed it

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX, Account # XXXX, Amount {$170.00} has violated my rights. 

15 U.S. Code 1681 states there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).

( C ) Limitations on extension of period to reinvestigate Subparagraph ( B ) shall not apply to any reinvestigation in which, during the 30-day period described in subparagraph ( A ), the information that is the subject of the reinvestigation is found to be inaccurate or incomplete or the consumer reporting agency determines that the information can not be verified.

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 2021-02-19
Company: Paypal Holdings, Inc
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
i have a paypal account and I've been a customer for several years now IM having some major issues with this service paypal. my account was limited and restricted back in XXXX of XXXX and i was told that i cant be given any information about the limitation or restriction. i was then told i have to read the policy in which states i will be able to withdrawal my funds after 180 days I've been in contact with PayPal over 20 different times regarding this issue since then. i spoke with PayPal XXXX of XXXX and was told that the date that i can access my funds is XXXX XXXX XXXX. When that day came i was still restricted and my account was still limited where i couldn't retrieve my funds that i was told I could receive. i spoke with XXXX a customer service representative and was told that i would receive a special email from the back office team that i would have to attach a bank account in order to extract my funds. I spoke with XXXX and she created a ticket in which the back office was suppose to fix the issue reference ID XXXX when i called again to check the status of the correction that was supposed to be made i was then told by XXXX employee id XXXX that there was an additional restriction added to a restricted and limited account which makes no sense .I tried to reach several supervisors and none could help me or give me information regarding my account i was promised that my account would be okay to withdrawal my funds once the email was sent no email was sent and I've been calling everyday to fix this issue to receive my money can you all please reach out to this company and resolve this issue thank you its not allowing me to make any transactions or add my bank account to receive my funds

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-05
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card
Issue: Credit determination

Complaint:
My Mother-In-Law is XXXX after a XXXX and the only income she receives is from an insurance payment and Social Security. Her income is $ XXXX. However, she was able to go into her local Wells Fargo bank and even though she XXXX, she walked out with a {$5000.00} limit credit card. 
This is ludicrous. Right now it is 0 % interest but that ends next year and whilst I am working with her to pay off the balance, I 'm disgusted that this was allowed to happen. They know that there is no way she 'd be able to pay it off if she maxed it out, how was this able to happen?

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 2021-02-19
Company: SYNCHRONY FINANCIAL
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
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:
XX/XX/XXXX I paid SYNCB/Amazon charge card. This was paid over the phone to a collection agency. I was threatened that they would be coming to my place of employment. I had settled this debt with them. I was told that I would receive a letter of satisfaction but when I called two weeks later, I was told that they did not do that. I have not received ANY collection calls or letters since XXXX so I assumed that this was settled. When I checked my credit report, It showed that I have been late for 3 years and when I disputed it, they charged it off my report and now my credit score dropped 30 points. The report originally said I had a XXXX balance but after the dispute, it stated that {$630.00} was charged off. I sent them a check today for the XXXX because I need a good credit score to get a job and a car and this really is a big problem for me. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX Account number 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: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting act XXXX XXXX account : XXXX XX/XX/XXXX. {$410.00} - XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX. XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX  XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX  XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-10
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
We have been trying to get reviewed for a loan modification for more than eight months and we have been given the run around they do not return our calls do not review the documents in full and then they always say there is something missing or that they are not able to accept our income. We have been treated rude and with the most unhelpful attitude. We feel hopeless and that the bank is only looking to forclose instead of helping to resolve our delinquent account due to unfortunate events. Please help us. WE would like to keep our home. Thank you.

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 2021-02-19
Company: LoanCare, LLC
State: VA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
The original mortgage company XXXX mortgage, decided to sell our mortgage to a debt collection company LoanCare. This company decided to create an escrow account increasing our payments from XXXX to a XXXX. 
We can not afford to pay that much so they have accumulated few XXXX in debt over the last several months. However, we have paid our taxes and insurance on our own and on time. There is no need for an escrow account and the increase on the payments.

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