BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Bank of America is allowing Mortgage Forbearance but they are requiring XXXX, XXXX and XXXX 's payments due with the XXXX payment. It is impossible to be able to pay back all four months in XXXX. They will not put the three months at the back end of the loan. 
New York Department of Financial Services is looking into this but said that their regulatory authority is limited with Bank of America because Bank of America is not licensed in New York. They told me to contact you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Someone unknown opened a bank account in my name and address. Bank of America XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I called bank and was told a fraud investigation was started, but I never got a complaint form to complete and mail back to 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 2016-01-15
Company: TRANSWORLD SYSTEMS INC
State: MS
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
I have received continuous calls from '' Transworld ''. They will not tell me WHY they are calling. They only want verification of my personal info. I 've asked them not to call unless they tell me who they are and why they are calling.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-02
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/2021, I sent XXXX bitcoin in exchange for {$73.00} USD and I re-activated my old Paypal account so that I can receive the funds. I received the payment without a problem then I transferred the funds to my bank debit card. On XX/XX/2021 I sent XXXX bitcoins in exchange for {$100.00} and received the funds via Paypal, but this time they placed a hold for {$68.00}. Paypal also put limitations on my account which prevented me from transferring the funds and they requested documentation of my transaction. I submitted all the documentation proving the legitimacy of my transaction. 
They reviewed what I submitted and they approved my transaction and also removed the limitations from my paypal account. However {$68.00} was still being held so I transferred the difference of my payment which was {$39.00} to my debit card. At this point I figured since Paypal reviewed and approved the documentation that I submitted I didn't think there was going to be any more issues. On XX/XX/2021, I sold more bitcoins which was XXXX. In exchange I was to receive {$69.00} in my paypal. When I received the funds via Paypal, their system didn't allow me to transfer the funds to my debit card. So I called customer service and they advised me to go to XXXX to get my funds. I thought that didn't make sense because I was going to have to pay fees but regardless I showered and got ready to head to XXXX but when I got out of the shower, my Paypal account had an new message saying that I would not be able to use Paypal anymore and they put on a permanent limitation on my account which restricts me from transferring or withdrawing my funds. They said I violated their policy and told me that they were going to hold all my funds for XXXX. They accused me of embarking in gambling transactions but they didn't send me any correspondence or specific details on why they were accusing me of this. I already sent them my documentation and I have documentation proving the legitimacy of all of my transactions. They never sent me any proof on why they accused me of embarking in gambling transactions. I found it very offensive since they are accusing me of doing illegal activities and they didn't explain anything to me or send me any correspondence. All they said was that I couldn't use my funds and that they are going to hold my funds for XXXX months. I think this is outrageous and I think the right thing to do is to give me my funds since I DID NOT engage in any sort of gambling transactions. This is absolutely preposterous.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-29
Company: WELLS FARGO & COMPANY
State: FL
Product: Credit card
Issue: Other fee

Complaint:
Wells Fargo a credit card by mail that was never received back in XXXX of XXXX. 
I called and informed them that I had not rec 'd card and the informed me that they would expedite and resend another card back in XXXX XXXX, and I rec 'd new card but have yet to use card. Now in my recent XXXX credit report I found that Wells Fargo has report my account past due for {$16.00} that they claim is a XXXX fee they charged my account for expediting my card that got lost in the mail. The Fraud representative I spoke to stated that he will pull up the recording and If I am correct I will have it removed, but refused to give any written confirmation to me, rather he told me I would have to wait and see next months statement to see if charge was removed, without any further explanation or assurance of outcome confirming their internal investigation. 
I is absurd that anyone would accept this explanation as it is my credit they are reporting as in default and waiting another 30 days would make this matter more en-grievous as it would be further in default without any explanation or transcript of conversation from their internal investigation. I request that an investigation be started by XXXX credit reporting agency, and I have advised them I did not authorize charges, and requested late charge accrued be removed as well. Still waiting.

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 monetary relief
Consumer complaint received 2016-12-13
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
In XXXX 2007 my wife and I took a 30 year mortgage against our home from Wells Fargo Bank the loan was originated in an " off site '' office location. My credit was very poor my wife 's credit was very strong the agent advised us to use my income as my wife 's income we questioned this, he said we would be fine it 's done all the time. The interest rate is 7.95 % APR we are struggling financially. We were told by an attorney to reach out to the CFPB for support as he felt he falsified loan application at an offsite location may be something that needs to be addressed

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 2019-05-21
Company: EQUIFAX, INC.
State: TX
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:
On XX/XX/19 I submitted a dispute with Equifax disputing the XXXX XXXX XXXX collection account that is reporting on my credit report. XXXX claims the debt was validated and did not remove it from my reports. XX/XX/19 I submitted a request for Equifax to provide me method of verification they used to ensure the debt was valid. I never received anything confirming. 

I reached out to XXXX XXXX XXXX on XX/XX/19 to request validation and they also failed to provide me with any documents regarding this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: RI
Product: Credit card
Issue: APR or interest rate

Complaint:
I have a of Capital One 's Sparks Business Card that I took out in XX/XX/XXXX after I began my financial practice. My business closed shortly have the XX/XX/XXXX crash but I chose not to claim bankruptcy, but instead try to manage the huge debt that I accumulated. I have been nursing a {$14000.00} balance on the card and up until just recently have used the card regularly. On XXXX XXXX, XXXX, I contacted Capital One 's call center due to a cash flow difficulty because my next pay period was falling on the XX/XX/XXXX and my payment date was the XX/XX/XXXX. The representative was very nice but he omitted some very important information concerning what would happen if I missed my payment date. I asked him to move my payment cycle to the XX/XX/XXXX to help make the current payment on time as well as future payments. He informed me that he can move the date but it would take a whole payment cycle. I explained that I could n't make my payment until the XX/XX/XXXX to which he answered, that I just needed to call back and they would reverse the late charge. 

On the XX/XX/XXXX, I logged into my account to make the payment as I promised and noticed that Capital One had now doubled my interest rate, which cause me to also go over my credit limit and generated another {$39.00} fee in addition to the {$39.00} late fee. I called back the next day ( Saturday ) and ask for a supervisor. Although she agreed to credit the account for the charges and the extra interest on that bill, she said I had to continue to pay the 29.4 % interest rate for twelve months before they would consider lowering it. It was formerly at 15.9 %, already very high for a period of historically low rates. I was having trouble making the minimum payments of $ XXXX/month and now I 'm expected to make $ XXXX/month payments? I calculated that to be an extra {$1900.00} on a {$14000.00} balance over the next XXXX months for being XXXX days late. I told her that I needed to speak to someone who had the authority to make a decision to change my interest rate back to where it was. At first she would only offer me the general correspondence address, but then when I press her she said that she would have someone call ; but no one every did call. 

Finally, I call back on XXXX XXXX and immediately asked for a supervisor. I spoke with XXXX who really did n't care to do anything for me except offer me the same address as before. By this time, I was pretty heated so I told him to close the account and send it to collections because I can not pay it as is. I do n't know about the latter, but he did close the account and this is where I am with it today. Can you please help me? I did send a letter on XXXX XXXX, to the address they gave me, but after reading some of the complaints online, I doubt if I will get a response. Your assistance will be greatly appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-08
Company: Remitly, Inc.
State: SC
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
I send an amount on XXXX XXXX to XXXX and the receiver didnt get the money. Also I can fin any customer support to talk with somebody.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
Transunion continues to report an incorrect address. I have disputed this with them by mail and by telephone. They continue to report this false address.

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 2020-04-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 is missing that should be on the report

Complaint:
XXXX XXXX  OFFICE OF THE ATTY GEN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX Account # XXXX Original Creditor - Company Sold - Account Type REVOLVING Date Opened XX/XX/XXXX Account Status! Closed Payment Status Charge-off Status Updated XX/XX/XXXX Balance {$1900.00} Balance Updated XX/XX/XXXX Credit Limit {$2000.00} Monthly Payment XXXX XXXX XXXX  Account # XXXX Original Creditor - Company Sold - Account Type INSTALLMENT Date Opened XX/XX/XXXX Account Status! Closed Payment Status Charge-off Status Updated XX/XX/XXXX Balance {$15000.00} Balance Updated XX/XX/XXXX Original Balance {$17000.00} Monthly Payment - Past Due Amount {$15000.00} Highest Balance - Terms 66 Months Responsibility Individual Your Statement - Comments - XXXX XXXX XXXX Account # XXXX Original Creditor XXXX XXXX XXXX. 
Company Sold - Account Type COLLECTION Date Opened XX/XX/XXXX XXXX XXXX XXXX   Account # XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX Company Sold - Account Type COLLECTION Date Opened XX/XX/XXXX Account Status! ( Hippa ) XXXX XXXX XXXX   Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Wholesale - non specific Contact Information XXXX XXXX XXXX XXXX, NJ XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Bank credit cards Contact Information XXXX XXXX XXXX XXXX XXXX, NV XXXX ( XXXX ) XXXX XXXX XXXX XXXX  Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Bank credit cards Contact Information XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX XXXX Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Personal loan companies Contact Information XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX   Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Sales financing company Contact Information XXXX XXXX XXXX XXXX, FL XXXX BYMAILONLY XXXX  Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Personal loan companies Contact Information XXXX XXXX XXXX XXXX, TX 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 2020-04-08
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I have a bank account with JP Morgan Chase. After I retired, I have called the bank on problems related to charges for transactions not signed by me. Chase opened a Fraud Unit to which I submitted information and contracts. The Fraud Unit stated the claims were sustainable and reversed some of the transactions not all. This happened in two occassions this year. One of the claims stated I had to pay {$640.00} to an Accounts Payable Company and I explained why I felt I did not owe the funds. The charges occurred under circumstances not caused by my actions. Other claim was on other company asking me to pay, but I did not sign the contract. In both occassions Chase said I was Wright. 
I submitted a complaint last XXXX. It was for the retrieval of funds issued to a politician XXXX. While my mother was at the hospital, I went to bring clothing for her. The Congressman was in my way and he offered to walk with me. He left me in front of the hospital and left. After this he said I had to donate to him because he had to walk with me and he took his time to get to the hospital. My accounts were really low but I issued a {$35.00} dollars check. Chase said they will not pull the check back because I signed the check. My account ended up with {$.00} for 10 days until I received my pension check. 
Chase has closed my account with them. I had been with chase since it was XXXX XXXX in 1982. Chase said the reason for them closing the account was that I file too many claims to the fraud unit. Chase offered these services, and I appreciated the fact they did. 
I am asking that they reconsider the closing of my account but Chase Executive said the case was discussed and they are not willing to enter into further conversations. Their acts are influenced by the next door neighbor XXXX XXXX. This female showed to the bank two months ago. She was inside the bank. I had never seen her there. XXXX also showed to my office in XXXX XXXX XXXX XXXX and spoke to me there. I had to let her talking because she is constantly harassing me, and she and her husband bother me a lot. She caused two commotion in front of the house and a judge who lives on the opposite side of the street sided in her favor though I have not taken my case to civil court. He sees her bothering me but he feels I am the problem. 
For now, I need to open a bank account and I was not able to open it. The money orders get lost and it takes a long time to recover the funds paid to the Postal Office.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-16
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 is missing that should be on the report

Complaint:
XXXX, XXXX, and Experian refuse to update credit report/ remove accounts that are invalidly reporting ; they continue to say that they have " VERIFIED '' accounts with companies which is untrue. They reporting varies accounts missing account validation, no contracts with my signatures, amounts, account numbers, creditors contact information etc for the following : 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 2021-10-02
Company: WELLS FARGO & COMPANY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I am an American living abroad in XXXX. I am XXXX years old. I have been here for 7 years. I am a veteran and living on XXXX due to a XXXX XXXX XXXX I suffered in XXXX. I am a XXXX XXXX XXXX from XXXX XXXX Ca. Wells Fargo is my bank. Oddities occurred on my account in XX/XX/2021, I called, cancelled and asked for replacement. Mind you I have been here a long time all of my transactions have been made here. I have a XXXX  phone with the Wells Fargo app. on my phone and I use my fingerprint to sign in into my account. In the past 4 cards have been issued to me in XXXX. ( 2 arrived ) the one I requested XXXX a XXXX this episode was sent to my US address even though it was clear I dont live there and it is NOT my mailing address which is quite clear and in the Wells Fargo app. on my biometric phone. Every single time I have had to get a new card from these people its been a nightmare, they are asking me random questions that thay got from public records on the internet. For example, they asked me if I ever lived on such and such street, which I did for maybe 3 months 26 years ago and the only reason I know that is that it was my ex wife 's place and she lived there for a decade. I know every password, user name, email address, code whatever associated with my account but random XXXX off the internet is the final level of authentication to get me my card when Im flat broke with my rent due and plenty of money in the bank. I have spoken to about 40 people ( many at international long distance prices ) and spent over 8 hours total on the phone this issue, eventually screaming at the idiosy of thier " process '' which is a joke. I just got off of the phone again with them and I have no choice now but to apply pressure from the outside. I need that card yesterday but I cant get anything accomplished on my own I hope you will help.

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 2022-05-05
Company: Kriya Capital, LLC
State: MS
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My name is XXXX XXXX I am a consumer/ natural woman submitting this complaint on the behalf of myself without any influence of any third party being involved. Fraud has been committed on my consumer report, and I did not consent, nor authorized these transactions on my report. 
CREDENCE RESOURCE MANAGE

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-02
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
The Bureaus claim they investigated and verified said account in dispute. Congress says in order for them to have conducted an investigation they have to have Spoken to neighbors, friends or associates etc, and if they spoke with them the information Provided can not be factual. 

I have even reached out to the UNited States XXXX District of Georgia Bankruptcy court in which I will attach documentation to this complaint as well. The Courts do not provide information to the bureaus so in fact the very fact that they are hosting this information on my report without consent and proper procedure shows that the bureaus are in FACT disregarding the LAW!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-02
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Last year I told Comenity Bank that I wanted to pay off my entire balance on a credit card they serviced. In XXXX I got a phone call that I still had a balance with them, but I had not used my card. I paid this balance again thinking it was a mistake on my part. In XXXX I got another call from them saying I had {$100.00} balance, but once again I had not used the card. They are telling me that I had a late charge that gained interest. I have told them multiple times to pay off the card but they still keep finding ways to charge me when Im not using my card.

Company response to consumer: Closed with monetary relief