BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-10
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have had consistent problems with Wells Fargo applying check payments which are specifically identified as monthly mortgage payments and are in the exact amount of my monthly payment due.   Wells Fargo continues to misappropriate these payments instead of recognizing the payment as the next monthly payment due.   I spent a long time on the phone with their representatives but with the exception of one payment they refused to correctly post payments to my account in line with what I directed at the time the payment was made.  In speaking with several Wells Fargo representatives it appears that the bank has purposely structured their systems to ensure that payments are booked against principle.  The back clearly has a vested interest in doing this as the mortgagee who thinks they have actually paid their mortgage ahead is now hit by a late fee.  In my case that's a XXXX fee!  I would urge the CFPB to exercise its powers to ensure that payments clearly identifiable as monthly mortgage payments are booked as such and not misappropriated.

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 2020-07-02
Company: CITIBANK, N.A.
State: MA
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:
I had credit card fraud ( citi bank ) happening from XXXX XXXX XXXX. I did not realize until I closed my account in XX/XX/2019. Once I closed my account I disputed the charges. It took from XXXX XXXX XXXX  to finally win my dispute. M credit score went down and there is a report of not paying my credit card in XX/XX/2019. I do not feel I should be held liable for a bill that is not mine.

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 2019-01-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
Let me first demonstrate the landscape, the canvas that has been existant for several years now and repeatedly shown in CFPB complaints towards both Capitalone & XXXX ... 

CapitalOne ; a financial institution ; has a combative relationship with XXXX ; a financial institution ; and because of an obvious behind the scene grudge, animosity.. the consumer is damaged, harmed and suffers repeated problematic situations needy of babysitting matters where the banking institution is to remedy, seamlessly and without consumer intervention as a practice. Cap1 can research and find I've had 2 accts with them and the first was short lived when I discovered this behind the scene combative relationship only to discover it was not the specific card, program or theme of the credit line ; but rather followed over to the current Cap1 '' Buy Power '' card/program ... It was this animosity that had me leave the first Cap1 offering, evidencing the longevity of the existing problem. 

XXXX Now for the current chapter of this problem .... 
Because of this existing relationship, XXXX can not /willnot establish a digital bill pay relationship ; as it does with all other financial institutions and other large companies and Cap1 must be paid with alternative method, a check cut and mailed by XXXX   personnel. This issue, distinction of online billpay has always created lengthy delays in payment to Cap1 and has been the source of several complaints regarding an assortment of burden to me as a consumer. Upon immediate need for payment to secure a specific balance adjustment, I've been forced to deviate from XXXX 's bill pay and must go directly to Cap1 and make payment there by some sort of digital transfer directly from my checking acct. 

In my defense, XXXX does have a deficiency showing the option for me to put a hold on those funds after this snail mail check payment vs the immediate pull from the acct that normally occurs and the available balance is reduced from the digital payment.. 

Currently, Cap1 has a check in hand and is refusing to apply the funds to my account and creating further frustration, seemingly as a retaliatory politics to alienate XXXX customers, XXXX flinging as XXXX  does in return with me in the middle. 

I'm sick and XXXX tired of this XXXX, ya 'll grow the XXXX up and treat each others customers ( whom are also your customers ) with respect and timely handling of their financial matters.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-10
Company: ERC
State: CA
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:
MY REPORT SHOWS TWO UNKNOWN ADDRESS THAT ARE LISTED AS MY PREVIOUS LEGAL RESIDENCE, ALSO A LIST OF MANY DIFFERENT LAST NAMES ARE ASSOCIATED NEXT TO MY NAME INCLUDING SOME ACCOUNTS WITH MY NAME MISSPELLED AND THREE COLLECTIONS I DONT RECALL HAVING ANY OPEN ACCOUNTS. PLEASE HELP CLEARING THE WRONG INFORMATION THAT IS AFFECTING MY CREDIT.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-15
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In XXXX I filed for bankruptcy, XXXX XXXX was included in the bankruptcy. Bankruptcy was dismissed in XXXX. In XXXX Portfolio recovery bought the debt. They have been reporting incorrect information on my credit file. They are stating that on one of my files the account is listed as open, on another account the are reporting it as 120 days past due. I have disputed this information since XX/XX/XXXX. Called and talked to Portfolio Recovery yesterday ( XX/XX/XXXX ) they still will not fix this issue. Isn't is true that Collection agency 's cant report a files payment history?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-14
Company: Continental Services Group, Inc. d/b/a ConServe
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have disputed this debt numerous times. I sent Conserve a validation letter and never received any of the information I asked for in the letter to validate the debt. Also, while the debt is in dispute Conserve has broken the law. Disputed information is not to be reported while in dispute on credit report and this collection agency has put negative information on my credit report with out validation nor have they responded to my request of validation. I sent this letter to Conserve : I am writing this letter in response to the phone call/letter received from you on ( Date ). In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting you to provide me with a validation of the debt that you talked of earlier. Please note, this is not a refusal to pay, rather a statement that your claim is disputed and validation is demanded. ( 15 USC 1692g Sec. 809 ( b ) ) I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you. 

Please provide me with the following : Agreement with the creditor that authorizes you to collect on this alleged debt The agreement bearing my signature stating that I have agreed to assume the debt Valid copies of the debt agreement stating the amount of the debt and interest charges Proof that the Statute of Limitations has not expired Complete payment history on this account along with an accounting of all additional charges being assessed Show me that you are licensed to collect in my state ; and Your license numbers and Registered Agent If your office fails to reply to this debt validation letter within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased. 

Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge. 

No one should have to be subject to this humiliation especially when it is a unknown account and possible identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-10
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:
OnXX/XX/XXXX, I made a payment to my Capital One Quicksilver Visa Account on the due date.  At the time, I made the payment online I wasn't aware I missed the cutoff time, which is not posted as you click to submit the payment. I discovered the next day that I was charged a past due fee of $XXXX on XX/XX/XXXX.  I called the Customer Service Center and they were kind to reverse the fee.  At the time, I didn't realize I would also be charged interest, because finance charges  did not post on XX/XX/XXXX, they posted on XX/XX/XXXX.  I paid the full balance off on XX/XX/XXXX, which I almost always do, specifically to avoid paying interest, so I was shocked to see I had been charged interest. I called the Customer Service Center on XX/XX/XXXX to see if I can get the interest reversed, as I had made the complete balance payment due. I spoke with the Account Manager, XXXX  in Virginia (ID:XXXX) and he would accommodate my request.  I asked to speak to his manager or to escalate it and he blatantly advised me he was the highest level I could escalate to. I don't ask for much and I have had this card since XX/XX/XXXX. I felt that I was not treated fairly and without respect.  I don't understand if a previous representative understood and reversed the past due for the same situation, why not be consistent and reverse the finance charge?  Is it fair to not provide a customer options to appeal a decision?  I  am not happy with the service Capital One provided me and hope the Voice of the Customer has value.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-19
Company: WELLS FARGO & COMPANY
State: AL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
I applied and received a loan from Wells Fargo auto ( XXXX XXXX XXXX ) on XX/XX/2020, that included Gap Insurance. Prior to the first payment due on XX/XX/XXXX, I canceled the Gap insurance on XX/XX/202, contacted the dealership, received the cancellation information.. Was told that I would receive a refund of the remainder Gap insurance that had been financed into my loan. I recently transferred the loan to another financial instition and am paying Gap insurance and paying interest on the Gap insurance financed by Wells Fargo. As of today 's date, I have not received the refund or any other information regarding my refund. Contacted XXXX XXXX XXXX Several times by email and phone. Contacted Wells Fargo several times by phone.

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 2019-01-15
Company: State Collection Service, Inc.
State: IL
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: Investigation took more than 30 days

Complaint:
I submitted a dispute to State Collection Service for 2 medical bills. State Collection Service first sent me a letter requesting all of my personal  information ( account number, name, address, phone number ), before I could respond to the letter, they ( State Collection Service ) sent me another letter with attachments of all medical procedures that were done at the facility. State Collection Service should not have access to the medical records or medical procedures, this is a violation of HIPAA and my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30
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 belongs to someone else

Complaint:
I disputed the account XXXX ( XXXX  XXXX XXXX ) {$1000.00} with XXXX, Experian and XXXX  and the incorrect information is still there. I do not know who XXXX ( XXXX XXXX XXXX ) {$1000.00} is. I have never signed an agreement with XXXX ( XXXX XXXX XXXX ) {$1000.00}. They should NOT be on my credit profile. 

I disputed the account XXXX ( XXXX XXXX ) ( {$140.00} ) with XXXX, Experian and XXXX  and the incorrect information is still there. I do not know who XXXX ( XXXX XXXX ) ( {$140.00} ) is. I have never signed an agreement with XXXX ( XXXX XXXX ) ( {$140.00} ). They should NOT be on my credit profile. 

I disputed the account XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$3500.00} ) with XXXX, Experian and XXXX  and the incorrect information is still there. I do not know what this XXXX XXXX XXXX XXXX XXXX XXXX ( {$3500.00} ) account is. I have never signed an agreement with XXXX XXXX XXXX XXXX XXXX XXXX ( {$3500.00} ). They should NOT be on my credit profile. 

I disputed the account XXXX XXXX XXXX XXXX ( {$180.00} ) with XXXX, Experian and XXXX and the incorrect information is still there. I do not know what this XXXX XXXX XXXX XXXX ( {$180.00} ) account is. I have never signed an agreement with XXXX XXXX XXXX XXXX ( {$180.00} ). They should NOT be on my credit profile. 

I disputed the account XXXX XXXX  XXXX XXXX XXXX ( {$3100.00} ) with XXXX, Experian and XXXX  and the incorrect information is still there. I do not know what this XXXX XXXX  XXXX XXXX XXXX ( {$3100.00} ) account is. I have never signed an agreement with XXXX XXXX XXXX XXXX XXXX ( {$3100.00} ). They should NOT be on my credit profile. 

I disputed the account XXXX XXXX  XXXX XXXX ( {$1000.00} ) with XXXX, Experian and XXXX  and the incorrect information is still there. I do not know what this XXXX XXXX  XXXX XXXX ( {$1000.00} ) account is. I have never signed an agreement with XXXX XXXX XXXX XXXX XXXX {$1000.00} ). They should NOT be on my credit profile. 

I sent disputes about the above accounts on the following dates : XX/XX/2020 XX/XX/2020 XX/XX/2020 The errors still exist

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 2018-06-14
Company: Bridgecrest Acceptance Corporation
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
XXXX XXXX XXXX XXXX has given place a address on my account linking me identity to someone else in their database. 
I have copies of when I paid my account and this very different address comes to my email stating that this is my personal information. 
I have never lived here and Bridgecrest has made this mistake. 
I have proof that this was a continuous problem that Bridgecrest never updated their database mixing accounts together. 
I know Bridgecrest would tell me about their system was down and having problems taking payments and sending out reminders and confirmations to customers in the past. 
But never not one letter stating that there was a data breach and offering any resolutions to resolve this identity problem about my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-10
Company: EQUIFAX, INC.
State: IL
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:
After sending information to verify myself with my disputes, as of XX/XX/XXXX the CRAs have not investigated or responded to the following issues on my credit report at all. They have violated the FCRA 30-day-to-respond regulation. The creditors have attempted no contact with me resulting from said investigations. 

ACCOUNTS XXXX XXXX not mine INQUIRIES XXXX/XXXX   XX/XX/XXXX XXXX XX/XX/XXXX COLLECTIONS XXXX XXXX {$350.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03
Company: National Credit Adjusters, LLC
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Mailed debt validation letter to National Credit Adjustors XX/XX/XXXX, received a response on XX/XX/XXXX that they needed 30 days to verify. As of XX/XX/XXXX I have not received any documentation on the debt being mine. I have called many times to get this debt verified and I am always transferred to voicemails.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-15
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
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:
When my daughter moved to XXXX in XX/XX/XXXX, she closed her joint Citizens Bank XXXX   checking account with me and opened a checking account with another bank. 

Citizens Bank XXXX  erroneously kept her account open and over the next several months there were charges under {$10.00} to the account to which Citizens added an overdraft fee of {$20.00} each time. Only one of these were charges that I recognized or from a merchant that my daugher or I regularly patronize. I paid that charge and several others even though each time this happened resulted in a $ XXXX- {$30.00} transfer from her overdraft account to her checking account ( returning the checking balance to {$0.00} ) but then I would have to pay the $ XXXX-XXXX overdraft bill. 

Each time there was a charge we didn't recognize, Citizens 800 number agents would apologize and most promised to close her checking account for real so it would stop happening. This went on for months with me paying about {$110.00} for these charges until Citizens finally agreed to close the account and waive the last charge which was not one we recognized, but then Citizens sent me a collection letter to which I replied in detail and never heard more from Citizens.

As evidence that this matter was resolved and no money is due, I have a screenshot of my daughter 's Citizens Bank Massachusetts account ( on which I am a joint owner ) shows no overdraft balance and a checking balance of {$0.00}. 

Unfortunately, in the meantime Citizens Bank without my knowledge placed an eroneouos overdue account notice on my credit report which has never been removed. This is on my credit report so that ( as I found out this morning ) I am being rejected as a guarantor on my daughter 's pending apartment applications in NYC. 

I have tried calling Citizens Bank MA ( XXXX ) to fix this problem but gave up after 20   minutes on the phone, mostly on hold, without any progress. If Citizens doesn't fix its mistake in the next 72 hours, my daughter may not have a place to live on XX/XX/XXXX. Help!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
In XX/XX/1984 my parents purchased a Savings Certificate for about {$1300.00} from Fidelity Bank. This bank has been closed and the funds were never paid out.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19
Company: U.S. BANCORP
State: AZ
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
The ATM at XXXX off of XXXX XXXX and XXXX in XXXX, AZ XXXX has been down too many times to count with no one around to have it fixed. It seems like everytime I go it's broken or out of service. Today for example I get there I'm waiting in line with the bank closed and no supervisor or support there at all. There was a XXXX man banging on the machine with his fists with no one stoping him. I thought to myself where is the store manager or bank manager to  stop this wreck less XXXX from destroying the ATM? When it was my turn to walk up to the ATM to do a simple transaction, it was out of service from the XXXX banging on it with no store supervision! I want to file a formal complaint. This location and mannor is unacceptable.

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 2019-01-15
Company: OLIPHANT FINANCIAL, LLC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Sent a certified debt validation letter to the the XX/XX/2018 requesting the company to validate the debt. The company has not responded to my request. The account was discharged through my bankruptcy and the account is still reflecting as if I currently owe a debt of {$850.00}, oliphant purchased the debt from XXXX XXXX. I called the company XX/XX/XXXX to confirm the mailing address and a representative from the company confirmed the XXXX address as the correct address.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-10
Company: HUNTINGTON NATIONAL BANK, THE
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I received two wire in my account and put one ck in. then my account has not been able to be used FROZEN. No one will help me i keep getting the run around like the person that is looking in to is off for two weeks. I cant even look at my account at all i been stopped i need help this has been going on 4 months and i can not get any where at all whit Huntington Bank number XXXX XXXX XXXX XXXX XXXX EMAIL XXXX Huntington bank in XXXX XXXX Mi

Company response to consumer: Closed with explanation