BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Describe in detail the circumstances of fraudulent activity and how I became aware of the activity : I placed 8 checks in my home mailbox on XX/XX/XXXX in the morning and put up the notification that I had mail to be picked up. I noticed the notification was reset to indicate it was picked up on XX/XX/XXXX. ( XX/XX/XXXX was XX/XX/XXXXHoliday and no mail was delivered ) Normal pick up/delivery is between XXXX and XXXX. 
On XX/XX/XXXX, while reconciling my banking transactions with my XXXX accounting system, I noticed payroll check numbers XXXX and XXXX where posted for incorrect amounts. I immediately went to the B of A checking account to investigate. In reviewing copies of the checks, I discovered the fraud. The payee amounts and payee names were changed. While in my B of A account, I noticed three ( 3 ) additional checks altered. Checks number XXXX, XXXX and XXXX were altered and shown as pending. The following details the alterations for the XXXX checks in question : Check number Payee Amt. Altered Payee Altered Amt. 
XXXX XXX {$150.00} XXX {$2200.00} XXXX XXX {$160.00} XXX {$2200.00} XXXX XXX. {$45.00} XXX.  {$2200.00} XXXX XXX. {$80.00} XXX {$2200.00} XXXX XXX {$220.00} XXX {$2200.00} I immediately call the fraud hotline and started a claim to report and recover the funds, in addition, I froze / closed the account. I also, went B Of A to open a new account and obtain cashiers checks for the original payees and original amounts. I was told to return the next day to open a new business account as the business specialist wasnt not in that day. 

Please contact me if you need additional information. 

P.S. It's been ~45 days and B of A is no closer to resolving this than they were since I submitted complete claim information. They keep saying its being investigated and depending on who I speak with the timeline for resolution keeps changing.

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 2020-10-17
Company: QuadPay
State: OH
Product: Credit card or prepaid 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 used QuadPay to purchase a XXXX watch. XXXX canceled my order and claimed they never charged the card. I can not get XXXX to answer me back. I have attempted to contact QuadPays customer service over 20 times with the chats being closed out by QuadPay before hearing from anyone. Im trying to get this resolved before the 2nd Payment is due to QuadPay. They have refused to answer back any messages I have sent them. In fact I am owed {$20.00} in a refund.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-08
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card or prepaid 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:
There is not an opportunity online or on the statement to make a payment toward a promotion. On XX/XX/XXXX, I made a purchase from XXXX for {$1300.00}. On XX/XX/XXXX, I made a payment of {$1300.00} to PayPal credit for what I thought was toward that promotional balance. On each promotional credit, it states " A minimum payment applies to this purchase. This is included in your monthly minimum payment due. '' I noticed on the statement of XX/XX/XXXX, that I was charged this month interest for that purchase. The statement reflects that the payment did not in fact go toward the promotion. Instead, according to XXXX a XXXX in customer service, any payment made is applied toward a hierarchy. I called on XX/XX/XXXX to have the interest on that promotional purchase reversed. Since I did not know it was not applied. Obviously I would not know until the interest was applied. She said that I should have called within 60 days after I made the payment in XXXX. HOW WOULD I HAVE KNOWN? There is no where on the statement or on the website to pay any promotional balance directly or to apply a portion of your payment toward a promotional balance. According to XXXX, the representative I spoke to before XXXX, he said I would have had to written a note indicating that I wanted to apply the payment of {$1300.00} toward that promotion or I would need to call in. I feel this is an unfair practice. It is not explicitly stated that those are the steps a consumer needs to take in order to have a payment applied toward a promotional balance. I have several promotional balances, I am most interested in that one because it was an intentional payment.

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 2023-03-23
Company: ENCORE CAPITAL GROUP INC.
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
They send me a Warrant in debt in the mail and threaten to take me to court, I have a court date already issue to me XX/XX/2023 and they went further and issue me a warrant document of debt to my house. 
Midland Credit Management

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
I appreciate your taking the time to CORRECT some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be UPDATED. The credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be UPDATED immediately. 

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

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 2018-05-23
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I took over a loan with XXXX XXXX XXXX XXXX in XX/XX/XXXX from my granddaughter. I co-signed on this loan and found that my granddaughter was not paying the loan properly. There were delinquent payments from her and finally no payments period. Before taking over the loan I contacted the credit union and had the reposes the vehicle, I also made arrangements to pay the remainder of the loan back over the next few years. Since XX/XX/XXXX I have paid back all of the remainder of {$10000.00} remaining on the loan except for approximately {$1200.00}. I have made payments as agreed since XX/XX/XXXX and will continue to make payments until the entire loan has been paid off. Recently XXXX  and Equifax show this account voluntarily surrendered in XX/XX/XXXX not XX/XX/XXXX. I have filed complaints trying to get the information corrected but the companies will do nothing. Most recently when I filled a complaint with Equifax they added a second appearance of the same loan on my credit report and reduced my credit score by 104 points. I need help in getting this loan corrected and having this loan reported correctly in my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-14
Company: EQUIFAX, INC.
State: NC
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:
Filed a Ide.ntity Theft Report and sent a copy to Equifax Credit Bureau, on XXXX XXXX. I attached the Identity report as well as a copy FCRC 605 forms. As of the to XXXX XXXX, report hasn't been updated or information removed

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09
Company: WELLS FARGO & COMPANY
State: VA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
I opened a Prime Equity account with Wells Fargo many years ago.

In the past I have made payments to pay down the princpal on the loan.

In the past when I received my new statment it would show on the first page = Total Amount Due = which relfected the amount of interest I now needed to pay due to the reduced principal amount. 
In XXXX of 2020 ... I made a {$10000.00} payment on the principal. 
My XX/XX/2020 statement from Wells Fargo stated the Total Amount due was = to {$0.00}. 
I called Wells Fargo, to ask why the new interest payment was not reflected in the Total Amount Due. They advised - it was due to the large payment I made in XXXX, and the timing of the payment, thus no payment was due. 
My XXXX statement also showed Total Amount Due = {$0.00}. 
I call Wells FArgo, they advised it was due to the large payment made in XXXX. 
I requested to speak with their Executive Office. Their Executive Office advised that the interest accrued was displayed on other pages in the statement. 
I told them I found this new, very confusing, and almost seemed to not show me how much interest was now due ... .even though it was still accruing.

Basically, they advised this is what they are NOW doing..

Thus, I am bringing it to your attention..

Please research and advise if this is legal. 
Thank you, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Traveler's check or cashier's check
Issue: Unexpected or other fees

Complaint:
Today, XX/XX/2023, I deposited a cashier 's check on my Bank of America account that I received after selling my car. The information I received from the bank teller was the money would be available in my account tomorrow. The same information was available in the bank 's app. The buyer is out of state and already made arrangements to collect the car. However, I received an email from BofA, late at night informing me that a hold was placed and the money will only be available XX/XX/XXXX, XXXX, exactly ten days after the deposit. 

How my bank, which I trust my money, will place a hold of ten days on a cashier 's check? What I will tell the buyer tomorrow when he arrives from another state to collect the car?

Please help 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 monetary relief
Consumer complaint received 2020-07-14
Company: CREDIT ACCEPTANCE CORPORATION
State: AL
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 filed a dispute in regards to the incorrect items on my credit report. It's been well over 30 days and I haven't received any investigation results.

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 2021-11-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
The following payments from XXXX & XX/XX/XXXX2019 are inaccurate. Payment was never late. How can my payment go from 60 to 60 days late without even being 30? This proves the inaccuracies. 

XXXX XXXX XXXX Account Type : Revolving Revolving Revolving Account Type - Detail : Charge account Charge account - Bureau Code : Individual Individual Individual Account Status : Paid Paid Paid Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$0.00} {$0.00} {$0.00} No. of Months ( terms ) : 0 0 0 High Credit : {$910.00} {$910.00} {$800.00} Credit Limit : {$800.00} {$800.00} {$0.00} Past Due : {$0.00} {$0.00} {$0.00} Payment Status : Late 30 Days Current Late 30 Days Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Dispute resolved; reported by grantor Account was in dispute - now resolved - reported by subscriber. 
Closed or paid account/zero balance Accounts closed by credit grantor Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Capital One Auto finance - XXXX - is reporting a 30 day late on my credit report for XX/XX/2018 and I was not late. I have been late in the past, but XXXX I was not late. I paid what I was advised to pay previously by the rep on the phone and paid it. The representative made the mistake, not me. This is an error.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-08
Company: Nelnet, Inc.
State: LA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I was diagnosed with XXXX on XX/XX/2017. 

I signed up for auto payments through Nelnet thinking that would take one thing off of my plate to think about during my XXXX treatments. 

Now that I have completed my active treatment, I am looking at my statements and even though I have been paying roughly {$330.00} each month, my loans have not changed at all. 

What it looks like happened is that Nelnet chose where to allot my payments so that my highest interest rate was receiving smaller payments than my lower interest rate loan. And it changed monthly which makes it so that I will stay in debt forever paying off the interest. 

When I call to speak with Nelnet customer service, they essentially say that this is the way it is set up. Then, the representative describes the % .25 discount that I am getting with XXXX. The company more than makes that up with the strategic placement of my monthly payments. 
And on top of all this, they are still making {$4.00} on me daily. And that number grows based off what my interest balance is. They are constantly making money off of people who think they are trying to pay back their loans. 

This is so disturbing that a company takes advantage of people in this way. I have gone through XXXX fighting XXXX and paying off doctor bills because of that. And now I have paid {$8000.00} towards my loans over the past 2 years and my loans have not been affected. 

That's literally the cost of life or death. The cost of XXXX XXXX. How is this legal?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-08
Company: TRUSTMARK CORPORATION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have received an insurance check due to damages occurred during Hurricane Michael. The bank Trustmark Bank is holding those funds in a escrow account. I have submitted receipts to them for money spent and for upcoming contractors. They are saying they need to do an inspection before the release of funds. I have been promised now for a month that they will be scheduling this inspection. There has been no contact from the inspector yet. I call daily and they keep promising me that some one will call. This has been going on for two weeks. I have spoken to managers, and my direct contact XXXX. XXXX XXXX. I can not get any action on this, I am only asking for a partial amount so am I going to have to go through this each time I need a draw? It is causing undue stress and hardship on my financials and my family. Any help would be greatly appreciated.

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 2018-10-01
Company: WELLS FARGO & COMPANY
State: GA
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 customer service

Complaint:
Due to an incident in XX/XX/2015 my credit has been tarnished ( please see my previous submitted cases ). 

One of the side effects was the reduction of the credit line from $ XXXX to {$500.00}. I previously opened a case which was denied due to this ongoing issue which is still an active investigation with multiple law enforcement groups. I was told that I would be eligible to request non-hard credit limit increases every 6 months. This past month I called to request a good customer increase and was told that the policy has changed, and this is no longer the case. I understood and do not want any additional hard checks on my account as I am trying to repair the damage due to the XX/XX/XXXX incident. I instead inquired how I could put my revised salary information on my account, given this card was initially opened in XX/XX/XXXX, likely the salary information is from that time frame. I was told there was no way to update my salary information on the account without a hard credit check, which surprises me. I tried multiple chat and phone representatives and even spoke to a Wells Fargo branch manager who actually recommended I submit this complaint since she in the past had similar issues. 

All I want is to update my salary information on my credit card so that in the event of an account review, the most current information is available to ensure the possibility that my limit is automatically increased without a hard credit check.

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 2020-07-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/2020, Capital One Credit Card charged me for the amount of {$65.00}. I do not recognize nor owe this transaction. On or about XX/XX/2020, I wrote a dispute letter to Capital One Credit Card to dispute this transaction.On or about XX/XX/2020, I called Capital One Credit Card to dispute this transaction. Also on the Online Posted Transactions page, Capital One Credit Card does not allow me to dispute. Until now, Capital One Credit Card refused to resolve this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-19
Company: PCS Receivables Corp.
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: Account information incorrect

Complaint:
There is an auto loan account on my credit report that I did not apply for. I have reached out to the credit bureaus as well as the finance company several times to send me proof of signature and contract information, even as recently as today XX/XX/18 and have not received any resolution. The account was also closed in XX/XX/2018 and every month the account balance increases and it should not. I also tried reaching out to the dealership in which the car was purchased and it is now closed down. The balance is not mine, it is my daughters, and it is also inaccurate, and the finance company is not being helpful in trying to correct this problem.

Company response to consumer: Untimely response
Consumer complaint received 2018-05-23
Company: WELLS FARGO & COMPANY
State: TX
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I signed two school loans for my son totaling {$9500.00} with WellsFargo. I have been paying this loan since XX/XX/XXXX, first was paying {$100.00} a month for one year, then since XX/XX/XXXX have been paying {$200.00} a month. Up till now, this loan has a balance of {$7000.00}. 
I have asked Wellsfargo about seven times now to tell me what my rate is and why this loan is not yet repaid. They have verbally agreed but when they send me information, it does not contain the rate. I had been to one of their closest branches and had the bank representative call and speak to loans department and they promised before me and the representatives that they will send me the information required but when they send, it does not contain the rate. all it says, is applied {$28.00} dollars or {$26.00} dollars. One of the representatives once told me that they were not allowed to disclose the rate am paying. 
I think this is another big fraud going on. By my calculation, I should have finished paying this loan long ago. XXXX is on another Fraud and  is trying a cover up. 
Since I cant file a law suit against them, the common man needs consumer protection to demand and protect my right.

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