BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-05-30
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
After Hurricane Irma Wells Fargo contacted us and told us that we could opt into a Federal protection act that we could use up to 3 months of our mortgage payment to pay for repairs around the house. Then after 3 months with no payments we would make 3 on time payments and they would send new mortgage paperwork and put the the non payments on the end of the mortgage and move forward with the new loan. Before agreeing I asked if there were any other area 's that this would affect because we have PMI insurance and we were getting ready in the up coming months to request to drop it as our home value had increased. They said no, we were protected under the Federal Act and no other area 's would be affected. We agreed to enter into the Act, and we fixed up the damage to our property. I called Wells Fargo in XX/XX/XXXX to inquire about the process to drop our PMI. They sent me a letter with our options and we went with the option to pay {$500.00} of our own money to get an appraisal in hopes that we were at a high enough value that the PMI would drop. The appraisal came back ( in early XX/XX/XXXX ) and we were well above the necessary value to drop PMI. I spoke with our preservation specialist at Wells Fargo at that time and he said the new loan documents would reflect the PMI being dropped. This process would take us through the month of XX/XX/XXXX, but I said ok and we followed the necessary steps to stay compliant with the act. We made our 3 on time payments and got our new loan paperwork. By this time they have transferred our case to 5 different preservation specialist. The new loan paperwork comes in with PMI and it's not correct. I start calling Wells Fargo and our preservation specialist and I get transferred to mulitple deparments and several more people that all tell me they will help me get this resolved. It is now XX/XX/XXXX and not only has Wells Fargo not dropped my PMI. They have collected all year my mortgage payments with PMI ( that's 5 payments of {$220.00} a month extra we should be saving ). But they refuse to use the appraisal we paid for last year, that was through THEIR approved vender, not someone we choose and keep dragging their feet. I have absolutely no resolution in sight and keep getting the run around with them. Today, I get a notification from my bank that a pre authorized payment to Wells Fargo was deducted in the amount of {$520.00}. I have absolutely no idea what this charge is for, nor did I authorize it. So in my opinion this is FRAUD. My only chance of having a resolution is now making complaints as this has gone on for over 7 months and they are now deducting money out of my account with out permission.

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 2015-11-11
Company: Paypal Holdings, Inc
State: CA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I had a very rude person from Pay Pal Collections call me today, asking what the reason was I had n't paid my account in over 30 day. She said I was over 30 days late, which is not true. I told her the last payment was XX/XX/XXXX and she said it was 30 days past due. I missed my payment on XX/XX/XXXX that was 9 days ago. I told her it was 7 business days late. She was so threatening rude, kept cutting me off, and told me that Pay Pal would take money from my checking account, and that I owed an extra {$35.00}, Then, she had the nerve to tell me I 'm always late, I have n't been in 6 months or more. 
She asked me why I charged up over {$700.00} if I was n't going to pay my bills on time, and that my account would be closed if I did n't pay today, because it is so behind. NO delinquent notice sent. She also told me that if I did n't pay her, that she 'd keep calling until a payment was made. She kept mentioning the last XXXX numbers of my checking account, and saying I HAD to give her a payment. 
When I asked her what her name was, she said " I already told you ''

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-11-30
Company: Paypal Holdings, Inc
State: IL
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Deposits and withdrawals

Complaint:
I opened an account with Paypal to conduct online sales of tickets for an event in XXXX 2016. 

I conducted these transactions and received and withdrew money without incident until XXXX XXXX when I received XXXX buyer disputes. I was then notified that my account was frozen and that I could no longer withdraw the funds. I provided PayPal with every bit of documentation requested and while XXXX dispute was closed without their involvement, they ruled the XXXX other disputes ( which were similar to each other in nature ) differently. One in favor of the seller and the other in favor of the buyer. 

They have now placed {$2200.00} of my money in reserves and will not release my money to me until 5 months from now and they will not even guarantee that it will happen then. 

I called and asked them to close the account. I spoke to " XXXX '' a Supervisor on XXXX XXXX and he advised that they could not accept my response to close the account. He also advised that they would not be releasing my money to me. He also would not guarantee me that they would release my money to me on the date of XXXX/XXXX/16 as previously stated in the email. 

They have changed the terms of the initial account setup and I am no longer doing any business whatsoever with this company as a result.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-03
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
Over 30-days ago, I submitted a request to Equifax to remove an account off my Credit Report along with XXXX ( XXXX ) control number instructing them to remove it. It is currently still on my report even after disputing it. 

The XXXX Control number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Multiple names and addresses are being reported that do not belong to me. All of the following information listed below is incorrect : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX, NC XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-29
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
This is my third letter to them in regards to accounts listed on my credit report with their organization that are the result of identity theft and they have failed to process my disputes pursuant to section 605B of the FCRA. They continue to send me letters stating that I am not providing the proper identification, and yet I have sent my driver 's license, tax forms, proof of address, police report, FTC affidavit and statement of identity theft with each letter. You sent a letter stating that you are declining to process my disputes as identity theft because you believe them to be either in error or because I received goods or money in exchange for this. I have submitted a complaint with the CFPB in regards to that as well as their continued failure to process my disputes, send me credit reports or provide me with further assistance as required under the FCRA. *I have never claimed identity theft in the past, and I have provided all required documentation. 
When I take them to court they will need to explain why they did not process my disputes and the only reason they will have is that one of their processors did not have the time or energy to investigate my accounts and took the easy route and sent me that notification. 
They have violated my rights under said section and I have no problems seeking the damages available to me. Not only did every letter get sent certified, but they were also faxed and received by them. I have the proof that these were received and that the required documents were sent with said letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17
Company: Square Inc
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
This is a prepaid card. Square has an obligation to follow state, federal, and visa/mastercard rules and not stall for 10 days to process a disputed transaction. 

Further, the same restaurant merchant where the disputed transaction has been initiated has a duplicate pending transaction which has removed funds from the account for 8 days and still counting as of this filing : XX/XX/XXXXXX/XX/XXXX thoughXX/XX/XXXXXX/XX/XXXX. 

Note : The support representative uses more abusive stall tactics by ask for an email address, when there is already a dedicated secure square email on file : XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17
Company: EQUIFAX, INC.
State: SC
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation.

I demand that these accounts be deleted immediately or I will file litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09
Company: Early Warning Services, LLC
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I reported an account opened fraudulently to XXXX Bank using my personal information in XXXX of 2019. I completed their fraud packet, returned all the materials, and have been following up with them monthly and they have not corrected the information being reported to XXXX XXXX or XXXX, nor removed the accounts from these reports as they were opened fraudulently

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-23
Company: JPMORGAN CHASE & CO.
State: FL
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Other transaction issues

Complaint:
There was a bill pay processed from my JP Morgan Chase account on XXXX/XXXX/2016. The funds were directed to a closed account with XXXX Card Services. The funds ( {$3000.00} ) were processed on XXXX/XXXX/2016 at XXXX EDT. There is not a trace number available. The funds were accepted at XX/XX/XXXX at XXXX am. When I noticed the funds had not gone to the correct account I went into the local branch and spoke with XXXX XXXX Chase Private Client | Private Client Banker | XXXX ID XXXX | XXXX XXXX XXXX XXXX XXXX, XXXX , FL XXXX at which time she told me there is nothing that Chase can do and to contact XXXX. Which we did and XXXX opened an investigation. The account number it was sent to is a XXXX account, however, it was always sent to XXXX Card Services. I 've contacted XXXX, they sent me to XXXX XXXX and NONE of the XXXX banks involved claim receipt of the {$3000.00}. I spoke with XXXX persons on the phone with JP Morgan Chase ( XXXX - online banking who sent me to XXXX with Senior Services who sent me to XXXX with online claims ) and none were willing to tell me where to funds were sent, only that they were accepted but not by whom. They closed my investigation without offering to do anything. I consider this discrimination for being a small account and a female. It is theft. Chase is withholding information from me as to where the money is located. The funds are somewhere in virtual land and someone is collecting interest or enjoying a vacation. I have been patient as it has been over two months. I have nowhere else to turn. I spoke with XXXX people at XXXX XXXX and XXXX people at XXXX Card Services on the day of XXXX/XXXX/2016. There is no account in my name, social security number, or account number at those institutions. This is absolutely unacceptable and there is ALWAYS a way to track a transaction. My husband is director of information security with XXXX XXXX. There is a way to locate my money. At this point in time it is theft and JPMorgan is being dishonest and discriminatory.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-11-11
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I have sent Equifax XXXX separate letters challenging inaccurate information on my credit report. There is an account that is reporting a balance inaccurately, XXXX XXXX XXXX, and we have attempted to contact this company directly but the address they published on my credit report is inaccurate. Equifax claims to have " verified with creditor '' and I believe this to be false. How can Equifax verify it when I 'm the proposed Debtor and the company has n't even verified with me. Unbelievable and does n't seem fair. I need help getting Equifax to remove the negative balance on an account that should n't be reporting a balance in the first place. This is keeping my family from getting a new home and we are prepared to file a lawsuit against this company. Attached are the supporting documents for our claim. Thank you*** Attached is my credit report & returned mail for XXXX XXXX . On the last page of my credit report you will see the address published and on the returned letter you will see the same address***

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I was trying to do a product change on my credit card because I dont want pay the {$99.00} annual fee and I was told that I need to update my phone number with XXXX  in order to do the product change which I did 3 weeks ago but its still showing the old phone number on Citi banks end and Citibank keeps telling me that I need to contact XXXX  which I did and I updated my phone to XXXX on my fraud alert several times and Citibank keeps telling me that my old number is still showing on Citibank end and second is that my credit line increased was declined several times due to a fraudulent account was reported that was charged off but I had that account removed a month ago which it was XX/XX/2020 and I dont have any charge off accounts reporting to XXXX  at all .... I fax in the credit report to Citi and I havent heard from 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 2020-06-09
Company: Activehours
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't contact lender or servicer

Complaint:
Im trying to enter my bank information and I have tried every way possible. I called my bank and they said I have to get ahold of them and enter it in manually but earnin is saying they cant do that. I cant not connect my bank to use it and dont know what to do at the point and its getting aggravating.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-23
Company: Commonwealth Financial Systems, Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
Commonwealth Financial c urrently is trying to collect a debt for the amount of {$930.00}. They have kept this on report when they also do not have a license to collect in the state of Florida. I have contacted them asking for the removal and also forward this information to all   XXXX   credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have a inaccurate Bankruptcy reporting on my credit file that doesn't suppose to be there. This was dismissed later and shouldn't be on my credit file with XXXX, Transunion or 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 2015-03-19
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint:
Our XXXX account and an email account were breached and charges were made to a credit card. I contacted Equifax per the credit card company to lock credit services. Equifax sold me XXXX XXXX protection service, then upgraded it to another, and then downgraded when the XXXX did not work, and then added an additional XXXX for my wife, as they could not network with XXXX to link the XXXX agencies together. I was supposed to have XXXX service covering " the family '', tying to all XXXX credit reporting services to both my wife and my social security numbers, but they ended up charging me for XXXX, with no complete coverage. 
Equifax instructed me to call XXXX to fix the error. Once I finally found a phone number that connected to live human, XXXX said there was no issue and I should get back on the phone with Equifax and they can directly call XXXX and work out any issues. Equifax said they could not solve the problem, it was up to XXXX and I should wait two weeks for all my credit reports to arrive by mail so I could compare them. At this point, after about 4 hours on the phone with these XXXX agencies, I asked Equifax for the accounts to be cancelled and a refund since I had not ever used the service nor logged onto the accounts. Equifax cancelled the accounts, but refused to give credit even though their product did not do what they sold it to me to do, plus they sold it to me only three hours or less prior to cancellation. 
I did not use their product ever as it was not what they said it was and they could not get it to work as they said it would. Since the the product did not do as it was sold to me, I expect them to stand behind it and provide a refund - no way. They say once XXXX and I figure out what is wrong, it will work. 
Equifax uses high pressure sales to sell you a product that if it does not work, too bad, you still pay at least XXXX month 's monitoring. I agreed to the extra products as the Equifax person suggested I could have everyone on the family plan by the end of the day - not even close. It would take at least XXXX weeks minimum just to find the issue by me, and then who knows how long to get it resolved since the credit reporting agencies leave it up to me to fix.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 XXXX XXXX, Account # : XXXX, 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 an 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 non-monetary relief
Consumer complaint received 2021-11-17
Company: Resurgent Capital Services L.P.
State: FL
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: Was not notified of investigation status or results

Complaint:
I am very upset with this issue. I sent a letter to the creditors and collection agency regarding inaccurate accounts on my report. It is now XXXX days  and I have not received a repsonse. I did my research and I am for sure that they have XXXX days  to reply back and they have not. I know that failure to respond is grounds for immediate removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-31
Company: AMERICAN EXPRESS COMPANY
State: SD
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
I have an American Express Debit card which was stolen from me on XX/XX/2017 along with my phone. yes I know its not ideal to keep your pin and password information in you wallet but I did. I filed a claim once I had realized that card had been being used which was on XX/XX/2017. 10 business day have clearly passed and they keep give me the run around, I have not received a resolution, provisional credit, nothing! I have contacted them on numerous occasions and have even been transferred to manager to manager and all the keep saying is that they are escalating it since they can see I filed the claim on XX/XX/2017 ... today is XX/XX/XXXX and we are 4 days pass regulation e what can I do now?

Company response to consumer: Closed with monetary relief