BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-07
Company: WELLS FARGO & COMPANY
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Unexpected or other fees

Complaint:
XXXX XXXX ] [ XXXX trl ] [ XXXX XXXX ] [ XXXX ] [ XXXX ] [ XXXX ] Wells Fargo XXXX XXXX XXXX XXXX XXXX XXXX, CA, XXXX Phone : XXXX ] Dear Bank Managers I am writing regarding a recent international wire transfer from a bank in XXXX that was converted to XXXX dollars before being deposited into my account ( XXXX ) at XXXX XXXX lack of transparency and communication regarding the exchange rate applied has led to an unexpected loss of approximately {$2200.00}, which I find quite alarming and unsatisfactory. 
The original amount, [ XXXX XXXX XXXX ] XXXX, was sent on [ XXXX ]. However, the conversion to [ {$98000.00} ] dollars upon receipt was not at a rate that I had been made aware of beforehand, nor does it reflect the rates Ive observed in the market. 
I had expected that the amount would be transferred in XXXXXXXX XXXX allowing me the option to review the exchange rate and decide when to convert the currency. The transaction was processed without providing me with any rate information or options, resulting in a significant and unanticipated financial loss. 


Given these concerns, I am requesting the following : XXXX. A detailed explanation of the exchange rate used for my transaction. 
XXXX. A clear breakdown of all associated fees and charges. 
XXXX. An explanation as to why I was not informed of the exchange rate prior to the conversion. 
XXXX. The banks policy regarding customer consent and notification of conversion rates for international wire transfers. 
I believe that as a customer, I should have full visibility into the exchange rates that affect my transactions, especially when they result in such substantial financial discrepancies. I would like to discuss this matter with you in person to better understand the banks processes and to find a satisfactory resolution. 
Please find attached all relevant transaction details for your review. I trust that [ Bank Name ] values its customers and will address this issue with the seriousness it deserves. 
Thank you for your prompt attention to this matter. I look forward to your response and to meeting with you to discuss this further. 
Sincerely, XXXX XXXX XXXX XXXX XXXX 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 2023-12-02
Company: FlexShopper, Inc
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XX/XX/ noticed an entry on my credit report from XXXX XXXX XXXX XXXX for a Flexshopper account in the amount of {$1700.00} XX/XX/ contacted XXXX XXXX XXXX XXXX XXXX phone to request debt validation XX/XX/ mailed a debt validation request to XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/ called XXXX XXXX XXXX XXXX XXXX inquire about letter XX/XX/ still have not received debt validation

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-10-25
Company: Velocity Portfolio Group
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This 3rd party collections account was paid via debit card transaction. They are stating amount that is paid is owed on my credit report which is inaccurate. This was paid back on XX/XX/23

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 2023-12-08
Company: Credit Karma, LLC
State: NC
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
On XX/XX/XXXX, I was trying to use my prepaid card and it kept declining. I had just had a direct deposit and the funds should have been on the card. When I looked at the transactions I found what made the card decline was a charge of XXXX from XXXX XXXX. I had indicated to XXXX XXXX in XX/XX/XXXX that I did not want to continue to do business with them and to cancel my subscription. What I did not realize was XXXX XXXX continued to charge my card XXXX for XXXX, XXXX, XXXX, and XX/XX/XXXX. I was not aware of the charge because I got every notification for my prepaid card except for the notification that XXXX XXXX was taking money from my card. I have a document I screenshot of my last notifications from Credit Karma off my phone which only captures the months of XXXX and XX/XX/XXXX, XXXX XXXX would not give me access to XXXX and XXXX 's notifications. I have my activity to show my transactions that show the XXXX coming out of my account. I only realized this because my transaction declined multiple times. XXXX XXXX refunded me for XXXX months on XX/XX/XXXX but my issue is I was not made aware of the transactions applied to my account for only this business. I got all the other notifications.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-29
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found numerous accounts on my credit report that were not open by me. This has been hurting me as I am in the process of buying a home for my family. Please remove the fraudulent accounts from my credit report as soon as possible.

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 2023-12-08
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CA
Product: Debt collection
Sub-product: Rental debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Columbia debt recovery is not addressing the following : Columbia debt recovery did not send debt validation in the time frame required under the FDCPA. Columbia debt recovery reported this debt to credit bureau in XX/XX/2023 and then sent debt validation letter in XX/XX/2023. Debt validation letter fails to disclose my right to dispute this debt as a consumer. Columbia debt ALSO reported false information to credit reporting agency that account was disputed by consumer on XX/XX/2023 when I never previously disputed this because I was unaware of this account. Quoting Columbias own words here : validatation was sent in XX/XX/2023 as that was around when we received THE FIRST dispute request for documents. 
Proof of these documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Transunion still has this fraudulent account XXXX XXXX XXXX ACCOUNT NUMBER - XXXX I have no knowledge of this account I sent in my police reports by.. they also sent you a letter with the wrong address I demand them to delete this account as XXXX and XXXX has XXXX this account they are not following the laws

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 2023-12-08
Company: TOYOTA MOTOR CREDIT CORPORATION
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Toyota financial services is not marking a payment I made on my credit report. Rather than mark my payment current it marked as ND which dropped my credit report XXXX points. I had extended my loan and was told that it would not affect my credit and even paid my car off before the extension was over.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20
Company: NATIONSTAR MORTGAGE LLC
State: MA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
XXXX Mortgage foreclosed on my home on XXXX/XXXX/16. I receive notice from Nationstar Mortgage in the past few days looking for payment on my " account. '' XXXX sold Nationstar an already foreclosed upon mortgage on XXXX XXXX, 2016, pursuant to my conversation with Nationstar.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-09
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: AL
Product: Debt collection
Sub-product: Rental debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
A landlord who was never my landlord was running a scam business. I fell for the scam and paid an application fee via credit card. The landlord then broke multiple laws and I backed out before ever signing a lease. I tried to resolve it but they ghosted me, I eventually charged it back as fraud because the company did engage in fraud. Theyve since added on false amounts of money and fees never agreed to and sent it to various debt collectors, all have immediately dropped it when I told them what was going on except Columbia debt recovery. I was told they would drop it if submitted proof. So I did and asked for verification of debt. They ignored my proof, didnt address it at all and didnt drop it. Their debt verification also lacked things required by law and literally proved I didnt owe what they were asking for. On top of this theyve made half a dozen false statement. Tacked on illegal interest fees, never sent an actual letter, and so on and so on. I eventually demanded payment for there violations of the FDCPA and they have ghosted me and reported my account to credit bearues while still under dispute and without ever properly verifying the debt. Not to mention its literally a fraudulent debt to begin with.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-09
Company: CITIBANK, N.A.
State: FL
Product: Credit card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
A payoff payment was made to my Best Buy Account as of XX/XX/2023. Best Buy is claiming this payment was returned. I have supplied Checking Statements from XXXX - XX/XX/2023, which shows the payment was withdrawn from my account and never returned. Best Buy is stating the payment was returned in XXXX, yet my checking Statement for XXXX does not reflect this. I have requested documentation from Best Buy that would support that the payment was somehow returned or not made, yet they have not been able to furnish any documentation. They have harassed me, calling me every day, even on weekends to make a payment that I have already made. Which I understand they are not permitted to do. Yet they do not want to take the time to further investigate the mistake on their end. I do not owe the balance shown on the account as it has been paid since XXXX. I need my account updated to reflect a zero balance and my credit report updated accordingly. As they have sent inaccurate and misleading information to the credit bureau

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 2023-12-09
Company: Credit Karma, LLC
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/23, Credit Karma XXXX Account erroneously withdrew {$110.00} from my account. The morning of XX/XX/23, they had a system error which posted outdated balances ; the balances posted were from XX/XX/23. When they came back through to rebalance the accounts, they overcharged me for a payment to XXXX XXXX XXXX in the amount of {$110.00}. I reached out to their customer service via chat, and they advised that my only recourse was to file a dispute. A dispute is not the correct course of action for a charge that did not originate with the vendor. I requested they reverse the overcharge on their end, to which they offered no recourse. I do not have overdraft protection on my account, so the charge should never have gone through. Now, they are not answering chat or phone for further assistance, and I am left without my funds. This is an egregious breach of trust, and all I want is my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-09
Company: PENNYMAC LOAN SERVICES, LLC.
State: OH
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
I got behind on my mortgage payments beginning in XXXX of this year. For this my home was in foreclosure processes but never foreclosed on. I filed loss mignation with the lender but was denied with no clear reason why when called and asked why it was denied. VA was informed of all this. moving forward. Since then, I was able to find a program with an agency called save a dream, that paid my full amount of XXXX but in the sum of XXXX as of XXXX XXXX, XXXX  that was owned to the lender. This total amount included ALL FEES, TAXES, INSURANCE and MORTGAGES FEES along with a one month in advance mortgage payment for the month of XXXX XXXX. When I contacted my lender PennyMac about overage payment of XXXX and why they were trying to charge me for late fees in the amount of XXXX they ( PennyMac ) refuse in giving me a clear answer and the answers were always different for the last one. They also increase my mortgage payments by XXXX dollars claiming it was because my insurance went up. After contacting my insurance XXXX XXXX, I immediately canceled them and got another insurance company XXXX which makes my mortgage payment much lower which I informed PennyMac of the change on XXXX XXXX, XXXX, but PennyMac refuse to do another escrow adjustment claiming my monthly payments will still be with the XXXX increase stating XXXX XXXX, XXXX. After talking with XXXX XXXX XXXX several times about this matter with PennyMac they can't understand why XXXX won't take that overage of XXXX and apply it for XXXX mortgage and what's left of that apply that amount to XXXX mortgage and would make up the different for XXXX mortgage, and they PennyMac shouldn't be trying in charging me of any late fees when the payment that PennyMaXXXX have received on XXXX XXXX, XXXX  covered all that. As of this very day XXXX XXXX, XXXX  PennyMac refuse to open the online payment portal, blocking me in making any types of payments with them online.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I received an American Express gift card for XXXX. I tried to use it online for a purchase of XXXX and it was declined. I was able to use it after a few tries at different online vendors to add XXXX $ to my XXXX account, but after that transaction, the card is declined everywhere I try it. There's XXXX left on the card that I can not use at all.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a 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 ) Account # XXXX has violated my rights.15U.S.C1681 section 602 A. States I have the rights to privacy.

15U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any reason.

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 2023-07-21
Company: Experian Information Solutions Inc.
State: TX
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 am sending my CFPB complaint today to inform you that I am a victim of identity theft. In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting an immediate investigation into these inaccuracies and the subsequent removal of the erroneous items. I kindly ask that you initiate this investigation and provide me with a written response within the statutory timeframe of 30 days as required by law. I have attached the important documentation, including payment receipts and identification documents, to verify my claims and request a thorough investigation into this matter. These are the following items that needs to be remove in my credit file right away : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-27
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXXXXXX XXXX XXXX XXXX  sold the Mortgage to another company since its been sold to them they are reporting late when I have payment proof which is attached to this complaint

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 2023-12-12
Company: American Credit Acceptance, LLC
State: DC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I just received my new credit report for XXXX and I found quite few auto Account XXXX Inquiries on my credit file that wasn't authorized by me. 

This is the list of them. 

XXXX XXXX XXXX XX/XX/2022, AMERICAN CREDIT ACCE XX/XX/2022 I had to do it over again, complaint forms again with this same problem on another account because CFPB complaints didn't go through on my other CFPB account because of a system glitch technical difficulty. I'm not here to play mind games with you people.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the 3 Credit Bureaus o update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX Balance : {$16.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX WASHINGTON , DC XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX  XXXX Balance : {$13000.00} XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX  XXXX Balance : {$16000.00} XXXX  XXXX Balance : {$13000.00}

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 non-monetary relief
Consumer complaint received 2023-10-21
Company: NAVY FEDERAL CREDIT UNION
State: IN
Product: Credit reporting 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:
I just noticed a hard credit inquiry from Navy Federal Credit Union on XX/XX/2023. There was no direct benefit or authorization for Navy Federal Credit Union to access my personal information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14
Company: Shellpoint Partners, LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process
Sub-issue: Payment process

Complaint:
I was approved for HAF payments for 18 months. The last couple of months I have had to file a complaint to get my payment posted. When I call shellpoint they cant say weather or not a payment has been recieved on my behalf.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation