BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-13
Company: Certified Credit Reporting, Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I called XXXX XXXX on XX/XX/XXXX regarding this complaint. 

Your phone number XXXX does not ring. It goes straight to voice mail. 

I Ask again that YOU remove the hard inquiry form my credit report as you are a re-seller of credit reports and my information was shared without my consent, to YOU the re-seller. I do not need to reach out to XXXX XXXX as what has occurred by my information being shared to a third party is against the law This is my second communication with you and I Would have to make this a case for noncompliance if you do not remove the hard inquiry from my report. 

This was Certified Credit reporting 's previous response : Certified Credit Reporting is a re-seller of credit reports primarily for mortgage processing, tenant screening and employment screening purposes. This inquiry was accessed on XX/XX/XXXX, on behalf of : XXXX XXXX located at XXXX XXXX XXXX, XXXX, XXXX XXXX. Their phone number is XXXX. These inquires remain on a consumers credit report for a period of 24 months ( 2 years ). We have not had any communication with you prior, either written or oral, until the receipt of this complaint. Feel free to contact the original end user listed above with any questions you may have regarding this inquiry. After speaking to them if you still feel this was accessed without your knowledge, contact us at XXXX or phone us at XXXX or write us at XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX, and we'll be happy to open an investigation. Thank you and have a great day!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: Atlanticus Services Corporation
State: AZ
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I had an account with Fortiva - XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I closed that account a few months ago. I was asked recently if I wanted to appy for a new account, of which I asked may I just have the old account reopened. I was told that would not be a problem and for a fee of {$25.00}, I could have a card expidited to me. I took the offer. When I received the card, I activaitated it and as you can see from the enclosed images, it said teh card is ready for use. I tried multiple times, to use the card, I called Fortiva, multiple times to discuss this. Enclosed are just a couple of nmany examples of the result of those calls. Eventually and multiple times after, I was told, that becaused my account was just reopened, I had to wait 30 days to use it or a full billing cycle. I repeatedly asked, where was that disclosed and why was I charged a fee, for a product that Fortiva and others knew, was of no value, as advertised. Each agent I spoke with, had no idea - no answer. 

I called, XXXX XXXX XXXX XXXX, they did not have an answer, I asked to speak with a supervisor, no answer, one was not abke to speak with me and never called me back. 

I called XXXX, their CEO, XXXX XXXX, XXXX XXXX, their CFO and XXXX XXXX, their Compliance manager. Neither of them took my call or returned my calls. To date, my matter is still unresolved. 

They also did a hard pull on my credit report which lowered my score and showed I had more credit, than I really did.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14
Company: Experian Information Solutions Inc.
State: PA
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:
Experian and XX/XX/XXXX are incorrectly reporting two accounts that were closed in XX/XX/XXXX. Two accounts XX/XX/XXXX account number XXXX, and XX/XX/XXXX XXXX are actively reporting each month. Both were included in a Chapter XXXX discharged XX/XX/XXXX. Experian and XX/XX/XXXXare reporting these creditors updates every month, which may be seen as an attempt to collect a debt, a violation of the FCRA regarding bankruptcy. When I contested this practice, Experian and XX/XX/XXXXupdated those accounts to look like the accounts are current as of XX/XX/XXXX. Experian andXX/XX/XXXX will not fix this, which may violate them FCRA. I have been denied credit due to this error.

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 2019-10-04
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
My online banking account has been locked since XX/XX/2019 and after over 20 phone calls to HSBC, 5 non-responsive emails to their fraud prevention group, the issue has not been addressed. I have filed a formal complaint with HSBC on XX/XX/XXXX and they have not responded to my complaint nor addressed my issue. 

Since XXXX, I have not been able to log into my HSBC account and they also will not allow me to reset my password because they believe the account is fraudulent after I've had the account open since XX/XX/2019. 

I did not have any suspicious transactions into/out of the account but since it has been locked in XXXX, I am not able to close my account or access my funds. 

HSBC is literally the worst bank I have ever dealt with due to their poor customer service, lack of response, and lackluster compliance group

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31
Company: WELLS FARGO & COMPANY
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mother passed away on XX/XX/2021 and I was named personal representative for the account. I contacted Wells Fargo in XXXX to ask what documentation they needed to change the address on the account to mine since we were selling the house. They told me they needed a written request to change the address, the death certificate for Mom and the document showing I was named personal representative for her estate. This information was provided on XX/XX/2021 and I received a letter from Wells Fargo on XX/XX/2021 that they had received the information and would start reviewing. 

We sold the house on XX/XX/XXXX and Wells Fargo received the payoff on XX/XX/2021. The new owners received the payoff acknowledgment letter from Wells Fargo so I called to ask why the address had not been changed yet. I was then informed that the request came under the Successors in Interest rules and could take up to 45 days to review. The employee did confirm that all required information was received, but had not been reviewed. I knew an escrow check was owed to Mom 's estate and asked them not to mail to the address on file since we no longer own that house. They could not agree to this and would not confirm if an escrow refund was due ( although I was able to obtain this information through their automated system ). I was told the review would be completed by XX/XX/2021. 

On XX/XX/2021, I received a letter stating they needed additional time and the review would be completed by XX/XX/2021. I called on XX/XX/2021 to inquire about the status and after speaking with 5 employees ( each transfer supposedly to someone who could resolve this issue ), I still don't have a resolution. They told me " their hands were tied '', " the delay was due to COVID '', " they are not sure when it will be resolved '', etc. They continue to tell me they can't give me information on Mom 's loan because " the account hasn't been updated to authorize me ''. While I understand the need to confirm the information, I don't understand why they haven't reviewed the information within the last XXXX months, but continue to mail information to strangers although I have asked them several times to stop mailing to that address. Based on their automated system, they mailed the escrow refund check on XX/XX/XXXX, but the new owners indicate they did not receive it ( but could have cashed it - I don't know these people ). I have a huge issue with WF continuing to mail personal information to strangers while insisting they are protecting mom 's information. 

I feel like WF is using COVID as an excuse to not comply with the Successors In Interest rules. They received full payoff and did not lose any money on this account so I don't think they care about helping me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Capital One Charged a membership fee {$95.00} to my XXXX  credit card. It was posted on my account on XXXX XXXX, 2020. I called back on XX/XX/2020 at XXXX to waive the fee or cancel the card. Fee waiver was not granted, but customer representative convinced me to rethink. I called again on XX/XX/XXXX - requesting a Fee Waiver or cancel. Fee Waiver was denied again so I cancelled the card. However Capital One wont cancel the Fee saying its past 40days, Even though : * My original request on XX/XX/XXXX was barely 30 days after the charge was posted. 
* I have not made any delayed payments during the whole period of the card. 
* I have not used the card since the membership fee was charged on XXXX XX/XX/2020 2020

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-05
Company: EQUIFAX, INC.
State: NY
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 sent letters to EQUIFAX asking to investigate accounts on XX/XX/2021 and again on XX/XX/2021. XXXX has yet to respond to me in regards to the result of the account represented on my credit report. 

I am sending another letter today with this complaint referenced today XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: Top Asset Solutions, LLC
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: PNC Bank N.A.
State: NJ
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
I closed on a HELOC with PNC Bank. As part of the terms of the loan, PNC required that I use a portion of the funds to pay off a XXXX credit card to reduce my debt to income ratio. I agreed. During closing, I provided information for PNC to pay XXXX directly. I was told I was not allowed to receive the funds myself and then pay it off, they needed to send the check. 

After the closing, PNC sent a check to XXXX, which was confirmed received. XXXX credited my account for the amount of my credit card bill, which was just shy of {$20000.00}. Three days later, XXXX reversed the payment stating that PNC had refused to pay the check. The same check PNC issued. 

I have been attempting to resolve this issue with PNC for weeks. I get nothing but the run around and people saying it's not their department. Meanwhile, PNC is currently charging me interest on that same {$20000.00}. They have not, and they refuse to, reverse the payment. They are billing me for using the money that has not been, nor can it be, used. I was also charged a fee from XXXX for having a returned check.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20
Company: WELLS FARGO & COMPANY
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have gave ALL parties XXXX chances to cure. I have requested info on the investigation, also proof of my wet signature on the contract stating I would pay the alleged debt, also ask for not just verified. This account have been removed twice and Wells fargo dealer services continue to furnish account without sending me communication. 15 USC 1692. Following parties have violated my rights and with the help of the CFPB I will seek damages. I demand account be deleted IMMEDIATELY!! Please see attachment 18 USC 8

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 2023-04-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
On XX/XX/2022 I received a Bank of America message ( # XXXX ) asking if I was attempting a quickpay transfer of {$2400.00}. To this message I answered no on XX/XX/XXXX. They requested to call me on XX/XX/XXXX. They called on XX/XX/XXXX. The number that came up on my caller ID was XXXX ( XXXX, NJ ). I spoke with a person claiming to be a representative of Bank of America stating that beside the attempt to transfer the {$2400.00} there were also two more attempts to take {$400.00} and {$240.00} which I received two more BOFA fraud alert text messages. He walked me through the " recovery '' of my money using XXXX where he had me put in my name as the recipient and then use the email address XXXX. He informed me that I should see the money in my account in a few hours. This of course never occurred and I filed a fraud claim a couple hours after the phone call. Bank of America has since denied the two claims I put in claiming that since it was a scam and not fraud, my claim is not covered under Regulation E under EFTA. I had sent an email to XXXX on XX/XX/XXXX, notifying them with attached screenshots of the transactions and communication with the scammer, detailing what had occurred. Bank of America responded a few days later and they again reiterated that there was nothing they could do. Despite arguing that this third party fraudulently gained access to my account by claiming to be a Bank of America representative and tricking me into sending money and initiating an EFT, they still claimed that it is not covered under Regulation E, the main issue being that it was not fraud but a scam and therefore I had knowledge and willingly authorized the transaction. I did not send the money with the expectation I was going to be receiving any goods in return. The money was sent as I was falsely led to believe it was to protect the money in my checking and savings account.

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 2023-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I need the closed accounts removed from my credit report, I also need to remove past inquiries according to The Fair Credit Reporting Act I did not give consent to the agency to use my information, I also need old phone numbers and addresses that are no longer relevant 620. Unauthorized disclosures by officers or employees [ 15 U.S.C. 1681r ], with respect to section 1785.25 ( a ) of the California Civil Code ( as in effect on the date of enactment of the Consumer Credit Reporting Reform Act of 1996 )

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 2023-11-20
Company: AMERICAN EXPRESS COMPANY
State: ME
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I have tried numerous times to close my American Express credit card account. I have copies of numerous chat requests to do so, but have never had anything but stalling responses.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10
Company: Shellpoint Partners, LLC
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Payment process

Complaint:
I have repeatly asked by phone and through the portal for my mortgage to be paid monthly from my bank account but they refused to help. Each month it is not taken from my account and I need to pay manually.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-20
Company: Nelnet, Inc.
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I applied for the SAVE repayment plan on XX/XX/2023 via Nelnet. I did not hear back from Nelnet, so I called on XX/XX/2023, and spoke with XXXX. He said he wasn't sure why my application wasn't available and had me resubmit a verbal application on the phone, waived the {$5.00} IBR exit fee, brought my account to current, and I uploaded my proof of income 1099 form. 
XX/XX/2023, I was emailed 3 letters ; first email was my application was unable to be processed, second email was additional information was needed for my application, third email was a one-time payment needed to exit IBR plan . XX/XX/2023, I called and spoke with XXXX who could not see why it was denied. I was transferred to Support Specialist XXXX who also could not see why it was denied. She then had me re-submit another verbal application, I paid the {$5.00} exit fee, and she guaranteed that there should be no reason I would be denied and repeatedly assured me I did not need to upload any more documents. She placed my application on express and said that I should be approved within 2 weeks. I asked for a written letter of what we had spoken about and what she said was going to happen but she said she could not do anything like that for me. 
XX/XX/XXXX I received an email saying my application review was in progress. XX/XX/XXXX I received an email that a forbearance had been applied to my account. XX/XX/XXXX, I received an email saying I had a new statement available, which was still for the Standard Repayment Plan. XX/XX/XXXX, I received an email that my application review was in progress. XX/XX/XXXX I received an email that my application review was in progress. 
XX/XX/XXXX I received an email saying my application was incomplete and needed more information. I called on XX/XX/XXXX, spoke with XXXX who said my application had been marked Abandoned. I was transferred to Support Specialist XXXX who told me I had multiple applications open, some marked Abandoned and one was pending. He told me that the system had not seen the {$5.00} payment I made to exit the IBR plan and that the system would transfer me over to the SAVE plan once I was billed for the exit fee. He advised that when the next billing statement is sent out ( XX/XX/XXXX ), that it will be for {$5.00}, once I pay that, then the system can move my application through and I will be on the SAVE plan. He confirmed that I do not need to anything additional, just to wait for the new statement, pay the {$5.00} exit fee, and then my account will be switched over to the SAVE plan. I asked that the interest that has been compounded during this period of Nelnet 's incompetence be taken from my account and he said that the government has not set a limitation on processing time so that could not be done. I was then hung up on.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21
Company: Albert Corporation
State: TN
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I noticed a charge pending to my bank account on an app that I had a free trial with but do not use ( Albert financial app, which claims to be insured by the FDIC ) I immediately went to cancel the subscription and ask for a refund since I did not find use for their financial services. When I canceled, I received a response your subscription is canceled and you will not be charged. Under the impression that the pending charge would be dropped, as is very common with subscription services canceled before being used, I deleted my account. Unfortunately the {$14.00} subscription fee still went through after pending. This caused a {$35.00} overdraft fee. The fee put my account further in the negative. I then incurred another overdraft fee from a subscription ( {$1.00} ) that I had planned for. This {$1.00} then caused a new {$35.00} overdraft fee. Albert support claims there is nothing they can do since my account was deactivated. i asked to be escalated to a supervisor. This app is supposed to help financial consumers but instead it makes the financial hardships increase. After messaging all day and only being offered a refund of {$14.00} ( which didnt even go through ) I decided to file a complaint.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation