23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I am currently in XXXX XXXX bankruptcy as of XX/XX/XXXX. I am filing this complaint due to inaccurate information being reported by Experian in regards to my XXXX XXXX XXXX account. I have contacted Experian several times regarding inaccurate reporting of this account. I have also contacted Conns regarding late payment XX/XX/XXXX and CO ( charge offs reporting every month after my Bankruptcy was filed ) and they have assured me that they didnt report any of this. This has significantly lowered my XXXX XXXX. Experian is showing that this account was Charged Off, this account was never Charged Off and is currently being paid through my XXXX XXXX Bankruptcy, therefore, this is inaccurate information. 
This account is also showing monthly XXXX XXXX from XX/XX/XXXX through XX/XX/XXXX and a late payment in XX/XX/XXXX, after the account was already in bankruptcy repayment as of XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items that are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : 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 XXXXXX/XX/XXXX
Product: Credit card or prepaid card

I have been following up with American Express for almost a month now and they have failed to issue a refund they owe me in the amount of {$19000.00}. In their letter dated XX/XX/2019 ( See Attachment ), they assured me that the refund was wired to my bank account on XX/XX/2019. 

IT IS XX/XX/2019 AND THEY HAVE NOT STILL WIRED THE AMOUNT TO MY BANK ACCOUNT!!!! THIS IS ABSURD!!! THEY ARE COMMITTING FINANCIAL FRAUD AND SITTING WITH MY MONEY FOR A MONTH NOW!!! 

I DO NOT WANT THEIR HOLLOW APOLOGIES AND PROMISES. THEY NEED TO RETURN MY MONEY IMMEDIATELY AND ALSO PAY FOR THE DAMAGES AND HARDSHIPS THEY HAVE CAUSED.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information was found in my reports. XXXX and Equifax Credit Bureaus has not complied with the Fair Credit Reporting Act,15 USC Sections 1681i, and continued reporting as unverified information without any proofprovided, within the time allowed by law, is not authorized. Below are the accounts that arereporting on my Credit Reports : 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 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 Equifax 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
Product: Debt collection

I am a XXXX citizen an I applied to refinance my Reverse Mortgage and discovered that during the moratorium on debt collections in the State of California that XXXX Bank had not only sent my account to collections but both companies XXXX and a XXXX XXXX were both attempting to collect and reporting negatively on my credit.
Product: Vehicle loan or lease

Account XXXX On XX/XX/XXXX I refinanced my Nissan XXXX XXXX  and was approved by XXXX XXXX XXXX XXXX. On XX/XX/XXXX I emailed contract and proof of payment to NMAC-Nissan Financial Services . Per CSR ( XXXX ) at Nissan pay off payment was received on XX/XX/XXXX and applied to my loan account. On XX/XX/XXXX XXXX XXXX  XXXX XXXX called to say they have not received title to the XXXX Nissan XXXX  and release of lien letter. I spent 2 hours with CSR ( XXXX, XXXX, and supervisor XXXX ) at Nissan gave me the following excuses : XXXX. I ( XXXX ) did not personally call to request the title be sent. 
XXXX. My account is in Bankruptcy department ( please note I did not include this vehicle in bankruptcy I made payments for 1yr and then refinanced the vehicle ). 
I advised NMAC I want to be compensated {$50.00}, for the 2 hours I spent calling them and listening to the XXXX/Mularkey/Lame excusing for handling business poorly. I had to advised them that Lien holders have 15 days to release titles and lien after receipt of payment. 
Please also note in XX/XX/XXXX XXXX XXXX XXXX made payoff payment requested the title after payment cleared via letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account was previously reported to CFPB and ARS responded stating that the account in question was opened on XX/XX/2020. However, ARS is reporting this account as opened on XX/XX/2020 on XXXX and XXXX. They are reporting the account as opened and closed on my report. Also there are other inaccuracies and erroneous reporting that I have mentioned in my last dispute to the credit bureaus. Copies have been mailed and faxed to ARS. This reporting violates my rights and need to be removed from my credit report immediately as stated by the FCRA.
Product: Money transfer, virtual currency, or money service

I transferred {$3800.00} to XXXX on XX/XX/XXXX using my personal JP Morgan Chase ( " the bank '' ) bank account online. 

Until now as of XX/XX/XXXX, the recipient still have not received the money. 

Here is the journal of my communication with the bank : on XX/XX/XXXX : contacted chase bank with it's secure message system stating that my recipient still has not receive my money and it's been XXXX  days since XX/XX/XXXX. with no responds. 

on XX/XX/XXXX : Contacted chase bank with it's secure message system stating that my recipient still has not receive my money and it's been XXXX  days since XX/XX/XXXX. with no responds. 

on XX/XX/XXXX : The bank responds by assign me a reference number XXXX and forwarded my case to Foreign Exchange Wire Investigation team and they will reach out to me in 2-3 business day. 

on XX/XX/XXXX : The bank responds by assign me a reference number XXXX and forwarded my case to Foreign Exchange Wire Investigation team and they will reach out to me in 2-3 business day. 

on XX/XX/XXXX : contacted chase bank with it's secure message system stating that there is no respond so far from anyone in the bank. 

on XX/XX/XXXX : Called Chase Personal BankingXXXX, I was shuffling between different department, got disconnected and ask me to return to personal banking again and still nobody respond my concern. 

on XX/XX/XXXX The bank responds through secure message systems stating that they are forwarding my case to Foreign Exchange Wire Investigation team and they will reach out to me in 2-3 business day. '' Again it is exactly the same message as previous one. 

As of today, XX/XX/XXXX, my recipient in XXXX still has not receive the money yet. 

I do understand that international wire transfer required more time that's why I even waited for XXXX days after initial transfer to contact the bank. But after contacting the bank for more than 3 weeks with no resolution is beyond frustrating. It is unbelievable that I received a bad customer service from a biggest bank in the United States. 

This is a failed wire transfer from the bank and should immediately recall and give back to me. 

Please help schedule a recall for this money to be refund back in my bank account. 

Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying for MONTHS to get my credit in line with not much being accomplished. Creditors or Bureaus have nothing to gain by reporting the correct information. All XXXX reports are different, stating different inquiries account open or closed and I actually GIVE UP. Ive done my best to get fixed what I thought I could but no one cares. Again, my credit doesnt affect them. Im done submitting, waiting, etc. You can close open disputes from me on any account with any bureau. I can only bang my head against a wall for so long. I guess Ill pay for any mistakes I made as a single parent with a son diagnosed with XXXX XXXX XXXX at a young age that set me back. Ill never recover from keeping him alive, but I did my job as a man raising a child alone. Thanks
Product: Mortgage

Effective XXXX/XXXX/16, XXXX XXXX XXXX XXXX XXXX XXXX ) sold my mortgage to BSI Financial Services.I made my XXXX 2016 payment of {$880.00} to XXXX and they notified me that my loan adjusted effective XXXX/XXXX/16 to 3.50 % and the new payment would be {$980.00}. As of XXXX/XXXX/16 BSI is charging me {$1500.00} ( with the 3.50 % adjusted rate ). I have contacted XXXX who said that the {$980.00} amount is correct. I have contacted BSI repeatedly and they said that they are working on the paperwork and the correct loan payment amount. My concern is that I will be charged late fees and that the interest rate will change. Today is XXXX/XXXX/16 and BSI has still not resolved this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or delete the following items : 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 XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting my account as charged off, but they still report a balance. Calls to them to correct it are ineffective. 

Additionally, I offered to settle the account and they refuse to negotiate a partial settlement. They also told me that if I settled for the full amount, they would not change what they are reporting and there is no reason to settle with them since my date of last payment was XXXX of 2016. 

They do not report the correct date of last payment which is also a problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 XXXX/XXXX went with a unauthorized hard inquiry on my credit report. I reached out via certfied mail and got no response.
Product: Credit reporting, credit repair services, or other personal consumer reports

The ITEMS listed below are reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a XXXX party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX CREDIT BUREAUS they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$570.00} ; XXXX XXXX Bankruptcy Date Filed/Reported:XX/XX/XXXX Reference # : XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Checking or savings account

I opened  XXXX  accounts and at the time the teller and bank manager agreed that opening  XXXX  accounts was a good idea to protect my funds in  XXXX  account while using the other for online purchases. This proved to be a lie and fraud. I have addressed this numerous times through cfpb b ut BB & T re fuses to address my complaints of fraud. Since the last complaint the account in question has bee closed and charged off to collection without addressing my complaint. I demand an answer to  : 1 ) Why did BB & T  lie to me telling me my money was safe and untouchable in  XXXX  account while supposedly having me sign something to the contrary.    2 ) BB & T re fused more time than I can keep track off to provide me with a SIGNED document that I was aware  of BB & T po licy that allowed them to take money from  XXXX  account to offset the other. All  BB & T did  was provide unsigned rules and policy that I addressed in the past b ut BB & T ign ored.
Product: Vehicle loan or lease

We were in a car accident XX/XX/2022. It is now XX/XX/2022 and we still have no resolution to anything. Our insurance company is XXXX. XXXX has been trying to get ahold of Ally Auto for over a week now to get the loan paid off as the car is totaled. Ally refuses to respond to them. Finally after several days of them trying to contact Ally with no response we ourselves had to do a XXXX way call to Ally with XXXX on the line to get them the information they needed to pay the loan off. Even after that, Ally said they are not going to respond to XXXX for another week. XXXX uses an electronic portal to resolve this kind of stuff with auto loan companies, and Ally does not. They wont speak to Ally over the phone, they will not call them, nor will they return calls when messages are left. Meanwhile, even though they know the car is totaled and being paid off, they refuse to do anything in a timely manner and are charging us more every day for the loan by purposely dragging it out. They will not lock in the amount due. 

XXXX have repeatedly asked for a supervisor to speak with. They refuse to give us one. They say they are in meetings all day every day. The one time they did transfer us to one, the phone rings and then just hangs up the call. XXXX been able to leave a message with one supervisor, who did not call us back, and then we were given the phone number of another, XXXX XXXX ( 501 ) 821-8120. She does not return phone calls.
Product: Mortgage

We are the Sellers on a buy/sell real property transaction in the State of Georgia. We were set to close on XXXX XX/XX/2021. The Buyers were working with XXXX XXXX at the XXXX XXXX XXXX, XXXX NC XXXX SECU branch. We signed an Amendment to the Offer Agreement to allow the Buyers more time than originally requested to work with XXXX XXXX to secure an appraisal. The only Appraiser to arrive was not scheduled, no notice was provided, and the Appraiser refused to wear a mask inside our home. The Appraiser was asked to leave. Six days later - on the day the contingency was to expire - XXXX XXXX asked the Buyers to request another Amendment - for as long as they will allow. Our Sales Agent indicated that XXXX required the Amendment or the Buyer was instructed to take action on the Appraisal / Finance Contingency. No advice provided to the Buyers - that we are aware of - such that by invoking an Appraisal/Finance Contingency without the proper paperwork would be unethical and / or illegal. The Buyer did invoke the contingency. We actively tried to make contact with the Closing Attorney and with XXXX XXXX. No effort to engage from XXXX. We did receive a withdraw letter but not a Loan Denial Letter as required by law. XXXX  boss is XXXX XXXX. We spoke with XXXX on XXXX XX/XX/2021. He showed no interest in the situation. He was helpless to support and offered nothing authoritative to inquire as to procedure issues or incorrect advice provided by those under his command. We strongly believe that SECU is incompetently and inappropriately serving its Clients. We arent sure what should be done about it but we are interested in helping others avoid poor communications and bad advice.
Product: Credit card or prepaid card

Opened account with Victoria Secret in  XX/XX/XXXX .
Received first statement  XX/XX/XXXX  with late fee attached Purchase was {$130.00} added interest {$2.00} and late fee {$25.00} for a total of {$160.00} This was my first statement since the purchase. Contacted credit card company, spoke with agent who confirmed my mailing address and stated fees would be waived, but it would take a few cycles to appear on my statement. I paid the {$130.00} immediately following and did not make another purchase using that credit card. Interest and late fees then accumulated and by  XX/XX/XXXX  a statement total was {$230.00} all an accumulation of late charges and fees. Spoke with a manager who researched back on all statements. Manager stater that these fees were carried over in error. She then waived only {$100.00} in fees and asked that I make a payment of the remaining balance of {$130.00} immediately. I admit that I should have been more vigilant about checking my statements but I trusted that they were removing those fees from the first statement as promised. I now have negative late reports on my credit report that could have been avoided if they had not mishandled this credit account. I contacted them as specified by letter to work with me on the credit report and remove the late filings as these were all the result of late fees and interest on top of late fees and interest which trickled down. They would not take any action.
Product: Debt collection

XXXX XXXX XXXX is attempting to collect a debt on behalf of XXXX. However, this is a bill that should have been submitted to my Medical Insurance Company. As a preferred in network provider this XXXX XXXX  should have been covered as all routine XXXX XXXX is covered by my insurance. I was not notified that I had a potential outstanding invoice being sent to a collection agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to 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 : {$1.00} XXXX XXXX XXXXXXXX Balance : {$3.00} XXXX XXXXXXXX Balance : {$340.00} XXXX XXXX Balance : {$1800.00} XXXX XXXX XXXXXXXX Balance : {$130.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}
Product: Debt collection

I AM A VICTIM OF IDENTITY THEFT. I HAVE BEEN TRYING FOR SEVERAL MONTHS TO GET THIS REPORT CLEANED UP BUT THE BUREAU JUST KEEPS GIVING ME THEW RUN AROUND AND IGNORING THE FACT THAT THIS IS FRAUD. THEY ARE CONSTANTLY TELLING ME THAT THIS ACCT WAS VERIFIED BUT THERE IS NO WAY BECAUSEITS NOT MINE! YOU CAN NOT VERIFY AN ACCT THAT WASNT OPENED BY ME. I HAVE RECEIVED DEVERAL COPIES OF MY CREDIT REPORTS BUT NO PROOF OF WHAT THEY ARE CLAIMING IS VERIFIED. I NEED A SIGNED CONTRACT BY ME OR THIS NEEDS TO BE DELETED IMMEDIATELY BEFORE LEGAL ACTION IS TAKEN AGAINST THE BUREAU AND THE FURNISHER THATIS REPORTING. 
XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Cash APP notified me via email. I was unaware of the breach by a former employee. Please see their attached email.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that 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
Product: Consumer Loan

gm financial made a hard inquire on my credit report without my consent
Product: Credit card or prepaid card

LET ME BE VERY BLUNT. I have been a loyal & happy Wells Fargo customer, until this matter & how it has been ( NOT ) handled. Long story short, I have been paying DOUBLE the required payment by auto payments in order to retire the payment plans by the end dates. When I logged on to check my account in XXXX, in anticipation of making a final payment, I discovered that WF had charged my account almost {$2000.00} in deferred interest ( plus monthly interest ), effectively doubling the remaining balance due, all because of internal allocation. How can I possibly be charge so much interest, when the total payments to date well exceed the balance on the " offending '' plan? Simple answer : IT SHOULD NOT!! I have spent a considerable amount of time with a Customer Service Rep who confirmed the error and that it would be resolved in a few days. That representative even refunded the " monthly interest '' that was incorrectly applied. Fast forward to now, MY ACCOUNT STILL HAS NOT BEEN FIXED, and I have wasted countless hours on hold, spoken with at least 3 WF representatives, sent at least a half dozen emails, and wasted almost 4 WEEKS. WF has failed to respond by fixing the issue, or telling me why they can't. I understand being short staffed due to COVID-19, but this is so egregious and has gone on so long without resolution, that I am starting to feel quite abused and mistreated. This is not a hard fix if they would just do it, but clearly they do not see this as a priority. I need a swift resolution to this so I can make my final payment ( s ). 

XXXX XXXX XXXX