BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-22
Company: WELLS FARGO & COMPANY
State: ID
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
On XX/XX/XXXX i called Wells Fargo regarding my account it is in the negative by XXXX dollars. There is absolutely no reason it should be in the negative. Wells Fargo has caused nothing but problems. Ive been a customer since XXXX. Wells Fargo is charging me from my payments I made but I clearly had money in my account to cover my transactions. When you go to purchase something from a company it automatically pulls the money from your account and holds it till it goes through so by then it deducts that. Amount from your account, well They are saying they authorize a overpayment my card features doesnt even have overpayment option so they do it outta kindness so basically they are charging me fees that they authorized and expect me to pay that if you look at my account I had the money to cover every purchase I made. They are crooks I didnt ask them to cover anything if I do not have enough in my account then it should be declined period!! I am not paying that I didnt ask for them to help nor the features on my card should not have allowed that. Customer service at Wells Fargo were very rude and had no communication at all they kept transferring me They did not know what they were talking about. I asked about XXXX hardship or inflation hardship. They do not offer help. I feel Wells Fargo is charging me for overdraft fees that clearly are wrong.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
On XX/XX/2022, I've initiated a balance transfer of {$3000.00} from my XXXX credit card to Capital One credit card. They claim that the balance transfer should take 2-4 business days to complete. On XX/XX/XXXX, the balance transfer posted on my XXXX credit card account, however, today, XX/XX/XXXX, the money is still not in the Capital One account. I've called Capital One and they assured me they don't have anything incoming from XXXX bank towards my account. Now, XXXX claims that everything is correct on their end and the money was sent successfully and received by Capital One. Capital One claims that they never received the money. Each side tells me to go and talk to the other side about this without actually opening investigation or trying to resolve the issue. My money disappeared somewhere in-between and nobody is doing anything to find it, but the best part is, XXXX bank posted this transaction to my account- so now I'm still responsible for paying it back to them, even though I never received the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-11
Company: Riverwalk Financial Corporation
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I rec 'd a letter from XXXX XXXX XXXX  dated XX/XX/2018. In return I submitted a letter via fax on XX/XX/2018 and XX/XX/2018 ( attached is my confirmation ) the letter was also sent via snail mail on XX/XX/2018. The letter stated that I needed validation that they were authorized to collect such debt and the name of the company claiming I owe this debt. There was never a response to this letter. The letter also states that if the office report invalidated information to any of the 3 major credit bureaus that this action will constitute fraud under both Federal and State Laws and if any negative mark is found on any of my credit reports by their company that I won't hesitate to bring in legal action. They had 30 days to respond and here it is almost 60 days later, I am notified of a credit alert on my credit report with XXXX that XXXX XXXX XXXX added a collection to my report. This is FRAUD. This alleged collection needs to be REMOVED immediately from my credit report before further action is taken. I have also submitted this request to The XXXX and my states attorney generals office. Please send me an updated credit report, thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
This is XXXX XXXX XXXX and I am submitting this CFPB complaint to dispute the fraudulent items listed on my credit report. I recently received a copy of my credit report and was shocked to find that there are several accounts that I did not open and have no knowledge of. The accounts in question are as follows XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$25000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$35000.00} XXXX XXXX XXXXXXXX Balance : {$1700.00} XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXXXXXX Balance : {$640.00} XXXX XXXX XXXX Balance : {$7100.00} XXXXXXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX. ) XXXX Balance : {$600.00} XXXX XXXX  XXXX  ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$1200.00} XXXXXXXX XXXX XXXX  ( Original Creditor : XXXX XXXX. ) XXXX Balance : {$100.00} XXXXXXXX XXXX XXXXXXXX Balance : - XXXX XXXX Balance : {$0.00XXXX XXXX XXXX XXXX  XXXX Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$1500.00} XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I can assure you that I did not open these accounts or authorize anyone else to do so on my behalf. I believe that this is a case of identity theft and I am taking steps to report this to the authorities. Please provide me with a written response to this dispute and let me know the results of your investigation. I also request that you send me an updated copy of my credit report once the fraudulent items have been 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 non-monetary relief
Consumer complaint received 2023-11-18
Company: JPMORGAN CHASE & CO.
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2023, I opened a Chase Sapphire Banking account and JP Morgan Self Directed investing account. I opened the accounts to consolidate my wealth and deposit a JP Morgan check given to me by a third party. I opened the checking account, and deposited the JP Morgan check, which was put on hold for a significant amount of time. 

I linked my XXXX XXXX XXXX XXXX XXXX account using the XXXX deposit method. After linked, I attempted to deposit {$100000.00} into my JP Morgan self directed investing account. Shortly after, my account was frozen. 

I reached out immediately to Chase phone support, who unlocked the account and told me to resubmit the transfer a different way. They told me the initial transaction was declined. 

I decided the better solution was to initiate the transfer from my previous bank, XXXXXXXX XXXX XXXX instead. I initiated the transfer but the account was locked shortly there after. 

I went to the nearest Chase branch, who helped unlock the account by calling XXXX to confirm the transaction was valid, as well as validating my ID. 

My chase account was locked again after purchasing a Treasury bill on XX/XX/XXXX with the newly available funds in the JP Morgan Self Directed Investing account I spent hours on the phone trying to get an answer, who told me the bank initiated a closure. One representative told me to go back to the bank branch to unlock it. 

I went to the bank branch who were shocked by the developments, and spent several hours trying to get the problem resolved, reducing the investigation from 10 days to XXXX. 

I reached out to Chase executive relations who promised to investigate as well. I did not hear back any details. I reached out to the branch who were under the impression I knew the account was in the funds disbursement phase of closure and I had been notified. 

During this time, I have had no access to my savings and the check for {$4000.00} I deposited and a direct deposit was declined. I had to use my small amount of funds remaining in wealthfront to make minimum monthly payments on cards to hold me until my next paycheck, putting a financial burden on me with interest fees I did not intend of accruing. 

XXXX office case id number # XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-20
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
The student loan was opened XX/XX/XXXX in question was put in forbearance/sold to another DOE Servicer and I was told at the time of applying for the forbearance, " don't worry about the late, that the system will catch up and back date the late ( s ) and an update to the credit bureaus, would be made ... just give it some time ''. The account has been showing 120 days past due on both Equifax and XXXX  since XXXX and I cant seem to get the Servicer to communicate or resolve satisfactorily. I have disputed numerous times. I have been working for nearly 4 years to get this resolved to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-18
Company: GOLDMAN SACHS BANK USA
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XX/XX/XXXX, my savings account was forcibly closed and all interest paid YTD ( {$4300.00} ) was taken away. I called in on XX/XX/XXXX and the customer service representative would not explain why. I then called in on XX/XX/XXXX and tried to find out why it was closed. It was escalated to a supervisor named XXXX and she was no help either. She was not customer friendly. I asked where my money was and she said it would be mailed, but offered no date when I could expect it. I asked to speak to someone else and she said there was no one else. It been 2 weeks now and nothing been received. I am sure a bank of your stature does not have only CSRs running it. Surely, she could have escalated my concerns further. I am totally dissatisfied with your company. 
I sold my business and now have excess cash coming in and I wanted to put it in several high rate saving accounts. Periodically, I check my several banks and move money to substantial higher paying bank accounts. This is exactly what I did in XX/XX/XXXX. 
On XX/XX/XXXX, I tried to transfer out 2 transactions ( {$79000.00} and {$54000.00} ) and they were denied. I called in and explained that I was moving money to a higher paying bank and the customer service representative removed the block. The next day I was successful in transferring these two deposits to XXXX XXXX ( XXXX XXXX ). 
I did not receive anything in the mail about account closure. This would be the most appropriate way to communicate. Email communication would also work. Your company has both of these methods to contact me with. I did receive a voice message on my phone from the fraud department but thought since I did call in and your customer service representative removed the block, all was good to go. There have been no further communications that I am aware of. I felt good about your company since I have a GM Rewards card with you. I have been a customer of the bank since XX/XX/XXXX and feel I should not be treated this way. 
What I want is my money back, my YTD interested credited back ( {$4300.00} which I have earned ), and interest from XX/XX/XXXX to present. I did not do anything wrong. Please take this matter seriously.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-18
Company: LEXISNEXIS
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I am trying to get car insurance. XXXX gave me an absurdly high quote XXXX XXXXXXXX. XXXX sent me an email that said that if I had an unusual life event that I could contact them. Of course XXXX doesn't give a XXXX XXXX about anyone. Its unclear if they got my credit report from XXXX XXXX or Lexis Nexis. I am also not sure where any of these companies were from say XX/XX/XXXX to XX/XX/XXXX, or even XX/XX/XXXX or even in this country or on this planet. I am personally sick of the way credit scores are used mainly to hike rates and charge me. Its this fake male patriarchy that decides who is in the A group and who, XXXX XXXX women who get put in the Z class. Why does all our life have to be decided by boys who social learning stopped around the XXXX grade. I told XXXX that I am XXXX, a woman, XXXX. I lost my contract job with the VA in XX/XX/XXXX and despite working at a bunch of jobs including now as a substitute teacher which I really can't do. I come home and my legs just hurt. They just do. But you know I am just not the only ones affected by covid. Whole families had a lot of difficulties. I lost five people in my family over two years starting with my mother. What exactly do these companies think is a disaster. Where were they? Charging absurd high interest rates on cars event though no one was driving. Its really time to do away with this credit reporting system. I think it is really biased against women, minorities and people who are non-white male. I never got into that category.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
In XXXX auto pay was turned off for my capital one card and additional payments were made. I turned the auto-pay back on but it was not processed as expected due to what appears to be an error on capital ones end. They deny this technical issue and have accessed my account late fees and reported to credit reporting agencies due to this. I called and attempted to rectify the problem. They also denied me the issue to record the conversation which I am legally able to do as New York state is a one-party consent state and I consented.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-18
Company: Coinbase, Inc.
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I filed a disputed for a package I returned to XXXX, and XXXX denied my refund claiming they never received the package. So I sent coinbase the receipt from XXXX showing the driver came to my house and picked up the package. The tracking number showing the package sucessfully returned and delivered. And I also asked XXXX to conduct an investigation, which they did and confirmed the package was delivered to the right address. And yet coinbase closed my case after telling me they would refund me my money because they realized their mistake. Now every time I call I get told there is nothing they can do and that I have lost my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
They have been calling several times a week since XXXX  with different caller ids. Not sure if they even own this debt. Never sent proof of ownership.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-05
Company: EQUIFAX, INC.
State: IL
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.the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 usc 1681. # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 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 a account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than of convictions of crimes which antedatesthe report by more then seven years .15 U.S.C.1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Information belongs to someone else

Complaint:
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL, XXXX Dear Sir or Madam : I previously notified you that I am a victim of identity theft, and requested that you do the following : -Close the unauthorized account -Removeany charges on the unauthorized account, and -Takesteps to remove information about this account from my credit files. 

I still have not received written confirmation of these actions. As I stated before : I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files. 
I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible.

I also have enclosed a copy of the FTC 's Notice to Furnishers, which explains your responsibilities when reporting information to CRAs. Please stop reporting this fraudulent information, investigate this matter, and delete any disputed items as soon as possible. 
Please send me a letter explaining your findings and actions. 
I am a victim of identity theft, and I am writing to dispute the following fraudulent charges on my account : Sincerely, XXXX XXXX Enclosures : XX/XX/2023 Close the unauthorized account Removeany charges on the unauthorized account, and Takesteps to remove information about this account from my credit files. 

-FTCIdentity Theft Report -Proof of identity -Notice to Furnishersof Information

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-18
Company: LEXISNEXIS
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Lexisnexis is reporting three car accidents and saying I was at fault. I contacted XXXX and they confirmed I was found NOT AT FAULT for any of them and gave me these letters to prove it. They said Lexisnexis has repeatedly made these errors with other customers. These errors are causing me not to be able to get auto insurance. I am being quoted {$5800.00} every 6 months and none of these accidents were my fault!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-03
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I worked in the mortgage industry for over 20 years. In XXXX I purchased our home doing a XXXX with XXXX of XXXX, at XXXX Interest only, and a XXXX and XXXX for XXXX XXXX. Like everyone else I thought everything was going to be great. In XXXX the industry as you know took a great hit. Our value in 3 years dropped from XXXX to XXXX. I was underwater. I worked for over 2 years trying to get my Modification with XXXX. Always the same excuses and threats. They would lose paperwork and force me to start all over again. This was very distressing for me and my family. I spent countless nights XXXX. I then filed BK in XXXX XXXX. 
One morning I decided to give up. I contacted the bank and offer to do a deed in lieu with them. Two weeks into the process, the bank asked me to once again apply for the Mod. I did so without adding or taking away any information from my Modification application. A few weeks later I was approved. Very grateful, we agreed to the mod. My XXXX and XXXX forgave the debt I owed them and re-conveyed their deed. The BK protected me from any of their write offs. My balance with the bank was XXXX before the mod, but now is over XXXX. There was principal forbearance that added as a balloon payment in the amount of right around XXXX. My interest bearing XXXX was reduced to XXXX, but at the end of the day there was no real principal reduction. Sure the XXXX and XXXX was removed, but I still have a ton to pay. Once the modification trial was complete, they transferred the loan to Nationstar. I am grateful to XXXX for giving us the help we needed to stay in our home, I would only ask that they forgive the amount that was on the forbearance.

Company response to consumer: Closed with explanation