BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-10
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I Was Charged, Without My Permission, {$110.00} On Three Separate Dates, For Computer Software. The Company Is XXXX XXXX  The Fraudulent Charges Were Put On My TD Bank Visa/Signature Credit Card Ending In XXXX. The Dates Are : XX/XX/XXXX, XX/XX/XXXX, And XX/XX/XXXX. The Total Amount Is {$350.00}. I Called The Company On XX/XX/XXXX And XX/XX/XXXX. They Told Me That I Was Not Charged Three Times. My Statements Indicate That I Was. ( I Will Be Sending Copies Of My Statements In The Mail ).

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-12
Company: Paypal Holdings, Inc
State: TX
Product: Credit card
Issue: Payoff process

Complaint:
I used paypal credit to purchase some plane tickets. I received a promotion that said I would n't be charged interest for 6 months. If I paid the total amount before 6 months were up, no interest would be charged. I have no idea when my 6 months are up because I was n't able to access the billing statement on paypal.com. I 'm assuming that since I bought the tickets last month, I have till XXXX 2016. I tried to go in today to make a payment but I could n't. Paypal faqs state that the link to make a payment is under the " Money '' category. There was nothing there. I tried logging in through BillMeLater and it directed me to the same paypal page with the same instructions. No matter what I did, I could not find a way to make a payment. Finally, I remembered receiving an email saying that my statement was online. I clicked on the link in the email and it took me to the right place. I should n't have to resort to last ditch efforts like this. If paypal is going to be issuing credit then it needs to stop hiding the payment page.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10
Company: Experian Information Solutions 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:
I recently checked my credit report because I am in the market of buying a home. Upon checking my report, I noticed that both Experian and XXXX are reporting duplicate information and incorrect information on my credit report. As a consumer I deserve the right to a credit report that is 100 % accurate, however, both Bureaus are allowing incorrect, inaccurate, and duplicate information to remain on my credit report. Account number : XXXX is reported on my report XXXX times and is damaging my score. I have reached out to the Bureaus and told informed them about this inaccurate information and unfortunately, they have not responded. I am documenting this letter as an effort to hold XXXX and Experian accountable for ensuring the information on my credit report is accurate. it is not accurate it needs to be deleted asap! THERE IS NO REASON OR EXCUSE FOR THIS TO BE ON MY REPORT XXXX TIMES. I expect them to be deleted 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 2015-04-21
Company: Receivable Asset Management
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
A co-worker of mine in a different branch office of the company I work received a call from Kramer Associates asking to verify my whereabouts. I am not familiar with this company at all, but an internet search reveals they are a debt collector. I have had no correspondence with them, so I have no idea what this pertains to or why they would harass my co-workers. If they feel I do have business matter to discuss with them, they should contact me directly and not at my place of business.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28
Company: Experian Information Solutions Inc.
State: GA
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:
there are several fraudulent accounts open that have reflected on my credit report

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 2016-06-30
Company: Flagstar Bank, N.A.
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I have been enrolled in the California 's hardest hit fund ( Keep Your Home California ) and Flagstar has been unresponsive to requests I have made detailing how these payments have been credited to my account

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 2016-09-22
Company: Dyck-O'Neal, Inc.
State: TN
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
About XX/XX/XXXX Dyke O'Neal started trying to collect a deficiency amount on a mortgage that had been improperly foreclosed by XXXX XX/XX/XXXX. XXXX has since admitted violating the required procedures for foreclosure and I was compensated by XXXX different federal settlements from the mortgage lawsuits. 
XXXX shows my balance as {$0.00}. No Deficiency judgement was ever sought or obtained for this amount by XXXX or Dyke O'Neal and Tennessee has a 2-year statute of limitations for such filings under Tenn Code Ann 35-5-118. Dyke O'Neal is aware of this law but has continued to report this to XXXX and XXXX as an unpaid collection. I have disputed this with XXXX bureaus and XXXX has remove it but not XXXX. This has hindered my ability to obtain a mortgage using my VA loan. Dyke O'Neal is unresponsive about this. This is an unfair collection attempt by a 3rd party for a balance that the original lender agreed to remove under the federal settlement.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28
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 have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.

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 2022-03-17
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Im contacting you because I submitted a fraud claim to Wells Fargo on XX/XX/2022 Someone or some company in XXXX XXXX. Named XXXX variate is Debited my account XXXX. 
The day prior I transferred XXXX to my account to pay off my car loan. Then I get a email saying this amount is trying to get through and it was declined by Wells Fargo. Then some how it went through. I asked Wells Fargo to submit a claim because this charge was fraudulent. They gave a temp credit. And now wrote me back saying that the charge isnt fraudulent because me or someone I know had permission to use my card. I called them and told them this money was supposed to go to pay my car payment and Ive never done business with such company I asked them to provide me proof of a receipt or something signed by me and they dont have it all they are going off of is that the company said it was me?!!!!! I asked how they got my info if it was a point of sale or over the phone or internet purchase. He said over the phone and doesnt have any proof that I signed for it or it was even me please help provide assistance I keep calling Wells Fargo and they said too bad the decision is made and now Im negative XXXX in my account thank u

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28
Company: Paypal Holdings, Inc
State: IN
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX, I purchased a wool cat bed as advertised on XXXX. The cat bed I purchased was shown to be a thick felted wool, blue and aqua in color. The cost was {$21.00}, with {$5.00} shipping, and I paid with PayPal, understanding that PayPal would back me up if anything was wrong with the transaction. 

About XX/XX/XXXX, a package arrived from XXXX. Inside were two pieces of rough grey material, a stiff, thin fabric. It was in two pieces that you zip together, unlike the one-piece bed shown on the website I had ordered from. It in no way resembled the cat bed in the photographs on the website. 

I filed a complaint with PayPal through their resolution center. Initially, the XXXX seller offered about half of my purchase price back ( about {$14.00} ), but that was not satisfactory. Then he or she offered a full refund IF I would ship the bed back to XXXX. Of course, shipping back to XXXX is very expensive, and would cost more than the cost of the cat bed, so I didn't do that. PayPal then closed the case in favor of the seller. 

I have since learned that this is a known scam. The scammer appropriates photos illegally from the XXXX. website, and publishes them on their own website. When buyers finally receive their shipment and see that the item is nothing like that promised, they are stuck. 

What particularly angers me about this is that PayPal enables these scammers, siding with them, and not the buyers. PayPal should be working to put the scammers out of business, standing behind the honest buyers. These scammers use the advantage of very inexpensive shipping FROM XXXX to the US, but the reverse is not true. They pocket money for items that they have no intention of fulfilling honestly. 

PayPal 's " we'll stand behind you '' guarantee is an absolute falsehood. They stand behind scammers, enabling fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
Unauthorized and unknown inquiries are being furnished on my consumer report. 
In accordance to the Fair Credit Reporting Act Section 611 ( 15 U.S.C 1681i ) I am exercising my right to challenge questionable information that, I have found on my personal credit report. I do not recognize the information listed with attachment.

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 explanation
Consumer complaint received 2015-08-06
Company: WELLS FARGO & COMPANY
State: NE
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My lender, Wells Fargo, continues to increase the required amount of flood insurance. Under the FDPA, the minimum required is the lesser of the loan amount, the insurable value or {$250000.00}. While I fully understand the lender has the option to require more coverage, in this case, they are causing undo hardship by continually increasing the required amount of coverage and therefore the premiums. This is causing customer harm and even though my agent has discussed this with Wells Fargo at great length in the past, they refuse to review and continue to provide the standard " we are protecting you '' answer. I understand the necessity of flood insurance but my loan balance is well below the amount of insurance I carry on the home. This is my choice as an informed consumer. It should also hold true with the amount of flood coverage I choose to obtain as long as it meets regulatory requirements. 

I know this will be future to submit a complaint as I 'm sure I will get the " lenders can determine the minimum amount ''. Yes, I work in the mortgage industry but I fell Wells Fargo is being unfair and causing undo hardship by this requirement

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10
Company: AXOS FINANCIAL, INC.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Received a credit card from Axos bank in mail on XX/XX/22. Not in my name but my address. Call XXXX fraud and reported it. Spoke with XXXX. He verified the account was set up not with my phone number nor my email. He closed account. Told me to contact main bank on Tuesday XX/XX/22 as banks closed XX/XX/22. Need to be sure other accounts have nit been opened linked with this card.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX XXXX and Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here. 

15 U.S. Code 1681 ( a ) ( XXXX ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( XXXX ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-24
Company: U.S. BANCORP
State: AZ
Product: Credit card
Issue: Credit determination

Complaint:
I applied for a XXXX Credit Card with US Bank with a FICO score of XXXX and wasrejected and I have been treated very unfairly by the bank..

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10
Company: Experian Information Solutions Inc.
State: KY
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:
Pretty much I applied for a credit card I was approved but then Experian still did a hard pull twice once on XX/XX/22 and one on XX/XX/22 all Im saying is how I got a card but I also got a letter sayin I didnt get it? But I did get it? N now I have two hard inquiries on my report also they have address that I dont live at on there and all different variations of my name which I do not like 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 2022-03-17
Company: Bridgecrest Acceptance Corporation
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Payments have been miss applied since XX/XX/XXXX. I have called in every two weeks and issue still not fixed. 
XX/XX/XXXX XX/XX/XXXX Normal Payment {$170.00} Applied XX/XX/XXXX XX/XX/XXXX NSF Fee Paid {$20.00} Applied XX/XX/XXXX XX/XX/XXXX Normal Payment {$160.00} Applied XX/XX/XXXX XX/XX/XXXX NSF Fee Assessment $ XXXX Applied XX/XX/XXXX XX/XX/XXXX Normal Payment {$160.00} Applied XX/XX/XXXX XX/XX/XXXX NSF Fee Paid {$0.00} Applied XX/XX/XXXX XX/XX/XXXX Payment Reversal $ XXXX Applied XX/XX/XXXX XX/XX/XXXX Normal Payment {$160.00} Applied XX/XX/XXXX XX/XX/XXXX Payment Reversal $ XXXX Applied XX/XX/XXXX XX/XX/XXXX Normal Payment {$160.00} Applied XX/XX/XXXX XX/XX/XXXX Payment Reversal $ XXXX Applied XX/XX/XXXX XX/XX/XXXX NSF Fee Reversal $ XXXX Applied XX/XX/XXXX XX/XX/XXXX Normal Payment {$150.00} Applied XX/XX/XXXX XX/XX/XXXX NSF Fee Paid {$15.00} Applied XX/XX/XXXX XX/XX/XXXX Payment Reversal $ XXXX Applied XX/XX/XXXX XX/XX/XXXX Normal Payment {$160.00} Applied XX/XX/XXXX XX/XX/XXXX Payment Reversal $ XXXX Applied XX/XX/XXXX XX/XX/XXXX Normal Payment {$160.00} Applied XX/XX/XXXX XX/XX/XXXX Normal Payment {$150.00} Applied XX/XX/XXXX XX/XX/XXXX NSF Fee Paid {$9.00} Applied XX/XX/XXXX XX/XX/XXXX Payment Reversal $ XXXX Applied XX/XX/XXXX XX/XX/XXXX Normal Payment {$160.00} Applied XX/XX/XXXX XX/XX/XXXX Payment Reversal $ XXXX Applied XX/XX/XXXX XX/XX/XXXX Normal Payment {$160.00} Applied XX/XX/XXXX XX/XX/XXXX Payment Reversal $ XXXX Applied XX/XX/XXXX XX/XX/XXXX Normal Payment {$160.00} Applied XX/XX/XXXX XX/XX/XXXX Normal Payment {$400.00} Applied XX/XX/XXXX XX/XX/XXXX Payment Reversal $ XXXX Applied XX/XX/XXXX XX/XX/XXXX Principal Only Payment {$400.00} Applied XX/XX/XXXX XX/XX/XXXX Payment Reversal $ XXXX Applied XX/XX/XXXX XX/XX/XXXX Payment Reversal $ XXXX Applied XX/XX/XXXX XX/XX/XXXX NSF Fee Reversal $ XXXX Applied XX/XX/XXXX XX/XX/XXXX Principal Only Payment {$400.00} Applied XX/XX/XXXX XX/XX/XXXX Normal Payment {$380.00} Applied

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 2016-09-15
Company: WELLS FARGO & COMPANY
State: WI
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I do n't remember how it started other than a young fella wanted me to put " extra [ rptect extra protection '' on my account. I agreed. I always followed by account online. I used by checks and debit normally. I had automatic deposit. Just after my check was deposited I would get a letter stating I had about {$150.00} in ov overdraft charges. I should not have been overdrawn. This went on for about three pay periods and then I went in and spoke to the manager. But before forward, when I checked my account online it was " fuzzy ''. It shimmered a and it made no sense. It was very confusing and there was no way anyone could track spending. So I talk to the manager and in conclusion I was told I didn did n't know how to use a checking account. ( I am currently XXXX ). Of course, I was was insulted. This went on a few more weeks, six to be exact, as I tried to get away from them. This entire 6 weeks, Wells Fargo was taking all my money. I literally had no money to spend on food and gas or anything else. I fin finally got paperwork completed at a new bank. But I had to give {$450.00} more to to wells Fargo before they would close my account. so for about 4 pay periods I had the overdrafts and then they switched to just taking my entire pay check for three pay periods but then I had to close my account with a balloon payment of {$450.00}. I do n't remember what my years were that I was was there. I also do n't remember what my pay checks were either. If one could find me in their data base. We could then verify income with my tax return. I figure they owe me about {$2400.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2020 a claim was done in the bank by a teller for {$1900.00} from XXXX  XXXX XXXX  which they disputed transactions from a hotel that had a lot of billing errors from two  of my checking accounts {$530.00} with capital one bank. The Dispute department canceled the claim the first time and did not issue all funds due for my accounts as well as they did not handle the dispute in the proper manner as charge back and did not get information from the merchant treating me very unfairly as by law and a loyal customer. When going back to the bank they then reopened the claim of {$1500.00} and XXXX . They then again did the same and canceled the claim as of last week before it was even properly looked into and have my accounts in the negative due to there incorrect handlings by law as I have consumer rights and now threatening to close out my accounts that I've had for years that they have a lot of errors in to cover up there wrongdoings. I ask that these matters please be looked into ASAP for this has created a greater financial burden on me as well as my XXXX year old child in the middle of a crisis as this pandemic and we are in need of help. Please see that these matters are corrected as you can pull all recordings from the dispute departments recordings. To many discrepancies

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-29
Company: BARCLAYS BANK DELAWARE
State: MD
Product: Credit card
Issue: Other

Complaint:
My Barclaycard was lost and/or stolen. I requested a new card via voice and via Barclaycard 's online portal. Despite multiple requests, Barclaycard refuses to send a new card.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28
Company: CORELOGIC 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: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/2020 I reported 3 unauthorized inquiries to XXXX  and creditors. 
After more than 30 days of the complaint, neither the creditors nor the CRA have removed these unauthorized inquiries, nor validated them. 

Per FCRA the CRA and the creditors have 30 days to verify or remove the unauthorized inquiries and both XXXX  and the creditors have failed to comply with the FCRA. 

Therefore I demand immediate removal and compensation of {$1000.00} per violation, due to failed validation and removal according to FCRA timeline.

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