BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-06-15
Company: Paypal Holdings, Inc
State: DC
Product: Credit card
Issue: Billing disputes

Complaint:
I am currently experiencing some of the problems listed out in the allegations, including an enrollment of Paypal credit without my knowledge, illegal billing practices ( I believe XXXX, as well as a shocking inability to reach anyone at Paypal Credit XXXX or PayPal XXXX customer service who can help me figure out my issue. They are emailing me and calling me every day insisting I owe them money however I am seeing absolutely XXXX activity in my account -- in fact, I do n't think I have ever used their services. However, every time I call them I am on hold for close to 1 hour before having to hang up, and every time I email them, no one is able to help me reach a resolution or aid me in understanding where these charges are coming from. They are saying that my balance is {$570.00}. 

On XXXX I called the CFPB to discuss my complaint and the representative directed me to file this form for an official complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-09
Company: Flagstar Bank, N.A.
State: DC
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I 'VE BEEN WITH THIS SORRY BANK FOR 11 YEARS AND I HAVE NEVER HAVE XXXX MISSED OR BEEN LATE PAYMENT IN 10 YEARS. UP UNTIL RECENTLY I CLOSED MY BUSINESS AND HAVE BEEN EXPERIENCING SOME HARDSHIP. JUST RECENT I 'VE BEEN BEHIND ON XXXX PAYMENTS. I TRIED TO REQUEST A MODIFICATION ON MY LOAN BECAUSE I 'M EXPERIENCING HARDSHIP, AND TWICE I 'VE BEEN DENIED FOR REASONS THAT MAKE NO SENSE LIKE I 'M SHOWING A REVOLVING CREDIT CARD ON MY CREDIT THAT BY THE WAY HAS BEEN CLOSED FOR 5 MONTHS NOW!!! ALTHOUGH I 'VE SENT THEM DOCUMENTS SHOWING THAT THE CREDIT CARD IS CLOSED THEY STILL REFUSE TO HELP ME OUT IN MY HARD TIMES. TO MAKE IT WORSE I GOT CAUGHT UP IN A INTEREST ONLY LOAN AT XXXX XXXX XXXX AND NOW 10 YEARS LATER, I 'VE PAID OVER $ 120XXXX TOWARD INTEREST ONLY, WITH ONLY {$10.00} GOING TOWARDS MY PRINCIPLE BALANCE. XXXX THEY WO N'T LET ME GET OUT OF MY LOAN, THEY WANT TO FORCE ME OUT OF MY HOME BY SENDING ME OTHER OPTIONS LIKE SHORT SALE, ETC. I WOULD NEVER EVER RECOMMEND ANYONE TO APPLY FOR A MORTGAGE LOAN WITH THIS SORRY BANK!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-02
Company: I.C. System, Inc.
State: WA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I received repeated phone calls to my cell phone IC Systems today I finally contacted a manager XXXX XXXX to stop blowing up my cell phone and demanded all communication only by mail be sent to me

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 2015-06-15
Company: Paypal Holdings, Inc
State: MA
Product: Credit card
Issue: Unsolicited issuance of credit card

Complaint:
Started receiving credit card statements from PayPal Credit. 
I NEVER signed up for a credit card with them. I have a Pay Pal account that automatically gets deducted from my checking account. Never once did I knowingly open a line of credit with them. I called them and they said my account has gone in to collections from a purchase I have no recollection of. I asked them to open a fraud investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-13
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I contacted the credit trade line and noted that the account had been re-aged since XXXX took over the account from XXXX. XXXX and I entered into a Settlement but re-aged the account to keep a derogatory mark on my credit report. I then complained to the XXXX credit bureaus and they only asked XXXX if the information was correct and XXXX said it was. Despite my providing proof of the settlement agreement, Equifax refused to delete the trade line from my credit report. They also refused to report the balance owed as {$0.00} since I paid per the settlement.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-16
Company: PRIMELENDING, A PLAINSCAPITAL COMPANY
State: CO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
I am with the title company and Prime lending does this on several deals I have had them on the other side more than a handful. As for them working with Title to get CD worked up and making sure that we are balanced they do not we get figures and when we do get figures its a couple of hours before we are to close then we are pending the wire and loan docs to come over. ( buyers and sellers are sitting at the table for hours vs. an hour and half that it normally does. They send out only their lender cd with their fees there are no other fees being disclosed like transfer fees HOA dues etc. This is very frustrating and I have had buyers at the table very frustrated and annoyed at their process. 

I have attached initial request to prime lending on XXXX/XXXX/2015 requesting CD so we can balance with their net funding and cash to close for buyer. still at this time we still do not have anything from them this closing has been delayed from XXXX/XXXX/2015 to XXXX/XXXX/2015.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-24
Company: CORELOGIC INC
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
A credit report that I recently received indicated that I was in default of payments for what appears to be since the start of 2015. On my end, I made the final payment on the credit card and stopped using the card as the one I had expired. I never received a new card, so did not continue to use the credit card. Upon receiving this credit report, I see that I have been missing payments. Upon calling the company, they have been charging me a XXXX $ " minimum interest fee '', and then a XXXX $ late fee when that was not paid. Again, I was not receiving notifications of any bills or that the card was in any way active. The amount totaled to XXXX $ by the time I received the report, which I paid off immediately. Previous to this incident, I had been making timely payments to this credit card for approximately XXXX years. The company did not do a good job communicating that this was happening with me, and so I had no idea that they were still charging me even though I was not using the card. This has harmed my credit immensely and made it look like I do not make payments on time when this is not the case at all. I have paid the overdue balance and closed the account, and would like my credit score to be repaired.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
In accordance with the fair credit report act XXXX XXXX XXXX XXXX  have 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 an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-12
Company: WELLS FARGO & COMPANY
State: IA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I was forced out of my job last XX/XX/XXXX. I applied for financial help after I found out my husband decided not to make the house payments. We were separated at the time. I had no income and was unemployed. I was approved up through XX/XX/XXXX. I reapplied in order to get an arrangement as I am now employed and want to keep my house. My husbamd and I have reconciled and now have more income to add in. While working with Wells Fargo on applying for additional payments, I received a letter stating i needed to pay over {$11000.00} by XXXX or I would go into foreclosure. If I am working with them on trying to make arrangements, I thought they were not supposed to be sending out letters like this. Also, I was trying to communicate with the employee who was supposed to be working with me on this. I called him on several occasions and left messages for him yet he never called me back to discuss any of my options. I am trying to do everything I can to pay them to keep my house but they wo n't work with me in any way and wo n't accept my money. I am at a loss on what to do, Wells Fargo wo n't even try to give me a chance now when all I want is to work with them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-16
Company: WELLS FARGO & COMPANY
State: OH
Product: Credit card
Issue: Forbearance / Workout plans

Complaint:
I lost my job back on XXXX XXXX, 2015 and then on XXXX XXXX my wife and I had a baby. Knowing that we are in serious financial trouble I called one of my credit card holders, Wells Fargo, who holds my XXXX XXXX Credit Card ( Account : XXXX ) and tried to set up some type of plan to continue paying on my account, but with a lesser payment amount. I spoke to the CSR who was willing to try to help me, she kept going back and forth between her supervisor and I and eventually came back and said there is nothing she could do. I asked to speak to her supervisor and she transferred me. I then spoke with XXXX of collections and explained my financial hardship to him and he said there was nothing he could do. I just find it very upsetting that we are trying to do the right thing and make payment arrangements and they are unwilling to accept anything from us.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-28
Company: WELLS FARGO & COMPANY
State: GA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I received a counterfeit check as a deposit for a job I was supposed to do the weekend of XXXX XXXX. I deposited the check on Saturday, XXXX XXXX and it cleared and was posted to my account Monday, XXXX XXXX. On Tuesday, the funds were there, so I withdrew {$2800.00} to pay someone else working on the same production and deposited into another account at the same bank. There was no sign of a problem until after the close of business that evening, around XXXX XXXX, when I happened to look at my bank account and saw that it was - {$2300.00}. Confused and shocked, I called Wells Fargo to figure out what was going on and after speaking with XXXX people I finally found out that the check was counterfeit. They told me that I was responsible for the transaction that I had made while the check was posted and that there was no other option besides just paying the money back. I obviously would n't have made the transaction if I had known it was a counterfeit check and I was being scammed, but they did n't care at all about that. I called the police and filed a report. The next morning, I called the branch where I had made the transaction, explained the situation, including that I still had the deposit receipt and essentially begging them to do anything to help my retrieve my money and get my bank account positive again. They, too, said there was nothing they could do, but I could call Loss Prevention and they might have mercy on me. They did n't. I have now spoken with XXXX or XXXX people at Wells Fargo and no one is willing to so much as inquire into the other party 's account to see that he is a criminal. I feel very wronged, not only by the scammers, but by Wells Fargo for not caring that I have been stolen from and lied to and that the person doing it is a customer of theirs. As it stands, they have used the {$550.00} I had in that account toward the negative balance of {$2800.00} so I now owe the bank {$2300.00} ( part of which is money I worked hard to earn ) for a counterfeit check that was given to me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-12-28
Company: EQUIFAX, INC.
State: MN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have a child support arrearage dated XXXX at {$11.00}, XXXX. I currently have filed a lawsuit in XXXX Court that my rights were violated in relation to this due to improper service of summons as I was homeless when the judgment proceeding happened and a summary judgment could n't be made this will get started by XXXX XXXX, XXXX. Since XXXX I have been working and paying child support plus 20 % toward arrearage per state law. I was charged prime+10 % interest for this arrearage, which doubled the amount to around {$25.00}, XXXX over 2 years, when I was n't employed and homeless. Despite having the interest turned off after one or more years of on time monthly payments, it is still reporting as the wrong amount, and despite my on time monthly payments through the state, it still is now reflecting as 120+ days delinquent on my credit reports. I have submitted complaints to XXXX and Equifax to get the right amount from the state, but they have not. The state DHS Child Support office tells me the balance is below {$24.00}, XXXX, although the county currently still tells me it is above {$25.00}, XXXX. It is reporting wrong. With no interest compounded since XXXX, and the +20 % payments each month of approx. {$120.00} per month, it should be getting smaller, not larger. I estimate it should be less than {$23.00}, XXXX There are no Public Assistance Arrears associated with this either.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-02
Company: WELLS FARGO & COMPANY
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action
Sub-issue: Attempted to/Collected exempt funds

Complaint:
I received a call from XXXX informing me that they were attempting to produce paper work on me concerning a court order for a debt from a XX/XX/XXXX Bank Account that I had previously with Wachovia Bank, NA. This account was closed and I have a current account which lists me as a member since XX/XX/XXXX with Wells Fargo Bank NA. The woman whom I spoke with stated that she represented XXXX XXXX XXXX in California and that they would be processing the paper work to serve me either later today or tomorrow at work in XXXX, FL. The old debt was charged off by Wachovia, even before I left Georgia. She threatened that the judge would determine what I would have to pay and said that the balance was now {$2100.00} including court and legal fees. When I closed the old account is was due to a {$400.00} unpaid balance ... .certainly not over {$2000.00} I am appalled that someone would use these tactics to scare people into paying them.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-16
Company: CORELOGIC INC
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Safe Rent has listed an inquiry on my credit report on XXXX XXXX 2015 that was initiated from XXXX XXXX Apartments in XXXX, Virginia. I did not authorize this inquiry and would like it removed. I called Safe Rent but XXXX at Safe Rent refused to remove the inquiry, stating that only XXXX XXXX can do so. I had to sue XXXX XXXX for illegal actions and prevailed. I would like this inquiry removed.

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 2015-04-02
Company: WELLS FARGO & COMPANY
State: AZ
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
In late 2014 we listed our home for shot sale, for our medical and financial situation. Through our agent, we contacted Well Fargo HELOC and spoke with XXXX XXXX XXXX concerning the XXXX mortgage. First, for nearly XXXX months we provided XXXX XXXX with everything he asked for ; such as, XXXX, contract sale, and payoff amount from the XXXX mortgage, and he never gave us an answer until XXXX days before the house goes up for foreclosure. Second his lack of communication made the situation very stressful for us, and he became an iron steel gate that stop any progress from going forward. Third XXXX XXXX received copies of the foreclosure notice, and all the information that he requested from the buyer. Finally, his delayed causes major financial hardship, and XXXX for both us because one of us is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-12
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
We secured and were under an agreement with Wells Fargo to purchase a home under an 89.9 % loan exception which allowed us to pay a 10.1 % down payment on the purchase of a new home. These conditions provided a significant advantage to us in terms of the cash out of pocket and was the basis of pursuing the loan through Wells Fargo versus alternate loan providers. We progressed through the loan process ( providing timely documentation ) and were assured at multiple stages that we were on track to close on the contract date ( XXXX XXXX ). 

Wednesday morning before XXXX ( XXXX XXXX ) we received a call from an agent of Wells Fargo indicating that Wells Fargo did not agree with the appraiser 's estimated home value ( which they had since XXXX XXXX ) and required the loan to go through additional internal reviews. They communicated that these reviews ( even if expedited ) would delay the closing date of the home. The agent indicated the only scenario in which we could maintain the original closing date was if we put 20 % down. He pressed and indicated they needed our decision by mid-day otherwise the closing would be delayed. 

I communicated how egregious I thought the entire scenario was and that I believed this was a " bait and switch ''. This last minute issue arose XXXX 44 days post contract submission, and ~ 30 days post receipt of the original appraisal.

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 2016-05-16
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Equifax fails to remove the XXXX XXXX XXXX account. Equifax reports incorrectly the date of first delinquency for removal. Equifax reports incorrectly that this account is scheduled to continue on my report past the statutory limits of the other major CRA 's even though I received a XXXX from XXXX XXXX Equifax continues to report inaccurate information on my credit file which lowers my credit score. This causes me the inability to obtain credit and lowers my standards of living and causes me to languish and suffer.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-07
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
On XXXX XXXX, I sent Equifax a letter requesting that they correct errors on my credit report. Over thirty days have passed, and I have yet to receive a response of any kind.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-05
Company: EQUIFAX, INC.
State: NM
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
Recently I have applied for an apartment, but have been declined due to wrong information in my Equifax file. There should n't even be an issue to begin with since I just turned XXXX and have yet to start establishing credit. So I called them to resolve the issue. They told me to fax them a copy of my Social Security Card and Valid ID so I did. They informed me it would take 48 hours to update. I called a day after it had been 48 hours to give them plenty of time to update my file. They then informed me that they have received my fax with my information, but have yet to update my file. Also, that specialty department that will update my information does n't take calls on Friday so I now get to wait until Monday to call them yet again since nothing has been resolved in the time frame they gave me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-15
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I disputed a tax lien that should not be reporting on my credit file to Equifax over 90 days ago. I still have not gotten a response on my dispute and they continue to report the erroneous tax lien.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-28
Company: EQUIFAX, INC.
State: MN
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint:
I recently received notice from XXXX of my creditors that their systems had been breached and my information may have been compromised. I attempted to utilize Equifax 's website to put a 90 day fraud alert on my credit file. I was easily able to do this XXXX without any issues. Equifax is demanding that I send them XXXX and all sorts of documentation of identity. This does n't make any sense. Why would they make it more challenging for me to protect myself from fraud? I just closed on a house a few weeks ago. I have none of the documents they want. I insist that they put a 90 day fraud alert on my credit report at once so that I can protect myself from identity theft.

Company response to consumer: Closed with explanation