BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-02-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
on XX/XX/XXXX applied for XXXX mortgage with Bank of America to refinance my home onXXXX XXXX  with a Land lease for XXXX years. I was told that as long as the duration of the lease exceeded the length of the mortgage there would be no problem. I was assigned a person to assist me with all documentation which I supplied, paid a fee of XXXX $ and was approved with a closing dat set for on or before XX/XX/XXXX. Today I received a phone call informing me that the loan had been rescinded over the XXXX XXXX issue. From day one the bank knew my status and also knew that I had been turned down by XXXX XXXX because of the XXXX XXXX issue but unlike BofA, XXXX XXXX took 24 hrs to give me the information. I had innumerable conversations with my BofA representative none of which led me to believe that I would be turned down at the eleventh hour. I think the bank is guilty of misleading consumers and deceptive business practices and should be held accountable.

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 2018-07-19
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TN
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:
This Toyota Motor Credit account XXXX is paid-in-full. It is closed. However, XXXX CRA continues to incorrectly report the account as " Open ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Wells Fargo received a total of {$190.00} but only refunded {$120.00} to my account. Wells Fargo maintains that if they recover funds outside of the 60 day window that they will refund it. However, Wells Fargo has not done that. They have retained a total of {$70.00} which was outside of the 60 day window from claim XXXX but they will not tell me where those funds went. At this point Wells Fargo has stolen {$70.00} from me. XXXX XXXX indeed verified the total amount of {$190.00} was returned to Wells Fargo. 

The letter that I received from Wells Fargo states quite a discrepancy. The fact is Wells Fargo indeed recovered the additional {$70.00} from a " transaction older than 60 days. '' In the second to last paragraph Wells Fargo 's response stated that if they are able to recover funds from disputed transactions over 60 days old that they would indeed refund those transactions. Wells Fargo has indeed recovered those funds of over 60 days old to the sum of {$70.00} and did not refund me that amount to me. 

As stated in their letter, Wells Fargo only refunded me {$120.00}. I will initiate another complaint because Wells Fargo indeed received a total of {$190.00} from XXXX XXXX. 

In their letter Wells Fargo states " We were not able to reimburse you the additional {$70.00} for those transactions that occurred more than 60 days after we sent you the first statement reflecting the unauthorized activity about which you notified us on XX/XX/2020. '' Then the very next paragraph Wells Fargo states " For transactions that occurred more than 60 days after the activity first appeared on your statements, we will contact the merchant and attempt to recover your money. This process may take up to 120 days. If you ( sic ) efforts are successful, any money recovered will be credit to your account. '' These two responses contradict themselves yet also confirm that Wells Fargo has received the additional {$70.00} in disputed fees. They just have not refunded it to me. This is alarming as I wonder how many other customers may have experienced this. 

Wells Fargo where is the {$70.00} that you recovered?

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 2017-09-16
Company: BBVA FINANCIAL CORPORATION
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
Today Saturday XX/XX/XXXX I received a collections noticed in the postal mail that was dated XX/XX/XXXX. BBVA Compass bank had repossessed my car without my knowledge then sold my car just a few days after my monthly payment. They claim the car was sold for {$10000.00} the remaining balance on the car loan contained within their info is {$12000.00} So that leaves a remaining balance of {$1500.00} along with fees involved with repossession. That being {$1700.00} so Compass bank is asking me within the mailed info to pay {$3300.00} I feel is that they owe me. I had spent {$1000.00} for a brand new set of tires including an alignment. I had also done needed maintenance such as a coolant flush and fill. Along with transmission flush and fill and other services to the car. I put {$2000.00} dollars into the car for maintenance and improvements. Also my  prescription medicine that was left in the car was never returned to me. That was a new bottle and unopened. That is around {$1700.00} for a 30 day supply. Also I had placed {$4000.00} dollars as a down payment for the car. The day after Compass bank repossessed the car they contacted the GAP insurance company and closed the GAP insurance policy and kept the refunded amount of money that was used to opened the GAP policy. I also did not have my pair of eyeglasses returned to me they were XXXX framers and lenses they cost me {$600.00} dollars. So that I had used pretty much all my money on this car and Compass bank is expecting me to pay them {$3300.00} They sold my car 2 days after my monthly payment. I just can not afford another car and I will not ever do any form of business with them ever again.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28
Company: WELLS FARGO & COMPANY
State: NE
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
Basically, Wells Fargo ( WF ) has taken our money ( almost {$5000.00} ) and is holding it hostage. Lets start from the beginning. Back in XXXX we linked a non-Wells Fargo account ( XXXX XXXX XXXX ) to our WF 's bank account. We followed the prompts WF required for the transfer. WF took the money out of our XXXX account then froze our WF account to investigate if this was a possible fraudulent transaction. We were in FL closing on a property at the time and XXXX was back in Nebraska. Once we returned to XXXX, we went to our XXXX XXXX, obtained the required documentation WF requested and went to a WF branch and provided it to them. We were required to show the funds were taken out of our XXXX account and that our XXXX account was legitimate. One we provided the documentation from XXXX in person to a WF branch, a banker at WF worked to unfreeze our WF account. Once it was unfroze, the funds never came. We called WF and they have officially lost our money. We have been assigned multiple people who will not answer our calls. They will assign us a WF employee who has 10 business days to investigate, if they can not find our money, we get assigned another employee who has an additional 10 business day to investigate and so on. They are now saying they have until XXXX to investigate. An employee from XXXX has cooperated fully and has provided WF will all documents which shows WF withdrew the money from our XXXX account. I am not sure how a bank during a pandemic can take OUR money and not give it back. WF is bouncing us around, assigning different employees to prolong returning our money. I am pretty confident if a customer was a day late on a bill or had an overdraft, WF would take minutes to tack on late/overdraft fees. How can they get away with this? How is this legal? In what scenario can a bank take OUR money and not give it back? Why won't they deposit our money into our account while they investigate? This is the absolute worst time they can have complete disregard for us. I understand they are a large company, but they should not be able to hold our money hostage and get away with it.

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 2019-02-22
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
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 a company called Portfolio Recovery claim I owe them {$450.00}. I do not know this company or the company they represent this is fraud. I never authorized any purchase of {$450.00} I never signed anything. This is fraud. They say they are working with XXXX XXXX I have no idea what they are talking about as this was fraud and never authorized by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
This is my third complaint with this company. I was having health issues and explained my situation to this company. I also informed them that I would not be in a position to make a payment for the month of XXXX due to my condition. I was told by one of their representatives to submit the payment for XXXX and they would allocate the monies for XXXX. I submitted a payment of {$100.00} and requested that {$50.00} be applied to XXXX and {$50.00} applied for the month of XXXX. I have tried to go take the proper steps by explaining my situation to this company to no avail. I keep getting a reply that the information furnished to the credit reporting agencies is accurate. I am not disputing that the information is inaccurate, but what I am disputing is given misinformed information from customer service representative that work in this companies behalf. As a result a negative 30-day late was reported on my credit file. This an error or misstatement of the part of this company and should be corrected immediately. An exception should be applied to this situation due to me not being given the correct information. This company states that a XXXX payment was not made and this too is inaccurate information. I will continue to pursue this issue until it is completely resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-22
Company: EQUIFAX, INC.
State: NY
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 a company called XXXX XXXX claim I owe them {$460.00}. I do not know this company or the company they represent this is fraud. I never authorized any purchase of {$460.00}. I never signed anything. This is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Confusing or missing disclosures

Complaint:
I initiatied a transfer through my Bank of America account to my wife. The number entered for my wife was incorrectly entered by one digit. Bank of America apparently leverages a third party, XXXX, for these types of transactions. I sent the amount of {$550.00} to an incorrect mobile number but in the name of my wife. The recipient received the payment even though the name was incorrect. When I attemplted to cancel/ dispute the charge with Bank of America they notified me that there was nothing they could do other than ask the recipients bank to return the money as a courtesy but that there were no guarantees. There is no disclaimer of any sort on the website or when going through the process that as a consumer I would not be protected in any way if I made a simple factual error when submitting the transfer. This is an extremely misleading and deceptive practice by the banks and by XXXX and offers no protection to consumers. This should be illegal without explicitly displaying the risks associated with these types of money transfers.

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 2020-11-24
Company: Westlake Services, LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Charged fees or interest you didn't expect

Complaint:
I took out a title loan in XXXX XX/XX/XXXX for {$4200.00} +/- I actually received {$3500.00} in my account. The rate was 120 % and apr same. Hi and I was planning to pay off quick. I made payments on XX/XX/XXXX {$430.00} ... yes a few days after I got the loan. Is that illegal? Another payment on XX/XX/XXXX in the amount of {$430.00} I was late next couple months but made payments of {$430.00} on XX/XX/XXXX. 

They state that on XX/XX/XXXX that I/ the loan accrual {$840.00} I made a payment same day of {$430.00} and they also billed me another {$430.00} of interest. Making it so that no progress while Im under the impression that Im actually paying towards the Intreat so it doesnt double but even while making the payment the pushed more interest - from the look of the file outta thin air. 


Then it shows that they billed me again in that same month and I was late. Idk how Im making payments per month and theyre saying I accrual of intreat is 200 %. 

At this point while I loss my job which was the reason I took out the loan.. I missed payments XX/XX/XXXX and setup payment plan and made {$50.00} payment on XX/XX/XXXX and they gave me an extension on next payments. 

I missed payments XX/XX/XXXX and XX/XX/XXXX then they charged me accrual interest of {$1200.00} on XX/XX/XXXX. Im actually confused by looking at their pdf they sent me with my payment history so this is why Im reaching out. You will see that even tho Im making payments theres intreat accruing ontop of my payments and for the last 7 months you can see on pdf that after each payment they put intreat ontop then charge taht to my account after I pay. Im stuck I want to payoff this loan but want my fair payoff and not tacked on intreat fees. There is no clear outlined of principle payments vs interest payments. In the pdf you can see intreat being changed and added but principal balance never changes.

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 2020-05-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
XXXX XXXX XXXX XX/XX/XXXX Bank of America Acct # XXXX On XX/XX/XXXX, my account was closed due to insufficient funds. I paid the fees in person around XX/XX/XXXX. It still showed as non-payment. I lost the receipt so fast-forward to XX/XX/XXXX XXXX. I went back to BOA, paid the {$290.00}. This time, I have my receipt. I rechecked XXXX and the {$290.00} still shows as unpaid. When I call into BOA, the representatives do not know how to help me and dont know when it will be removed. Please assist in showing the charge off amount was paid.

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 2020-05-28
Company: Experian Information Solutions Inc.
State: NJ
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:
Experian refuses to take off a charge that doesnt even have my name on it. I have no idea how a delinquent is linked to me when the other 2 credit bureaus dont have anything about it. This is harassment and fraud!

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 2023-07-24
Company: Capital Link Management, LLC
State: LA
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:
I recently had the opportunity to pay off old debt from over 5 years ago ( they were not one of the creditors ) and then I was told that they called me to set up a payment plan but I don't remember doing that yet they keep trying to run the payment through. I'm not sure how they got my debit card number unless they got it from the original creditor. I tried to reason with them but the only response I got was that if I didn't set up a payment plan, they were going to sue me and I should expect a service processor soon. No one gets a heads up of being served. I'm from a family of attorneys. I know how these things work. I have tried to reason with these people but there is no reasoning. They are dangerously close to getting sued for harassment. It needs to stop. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-30
Company: Paypal Holdings, Inc
State: NE
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I have XXXX dollars in a Venmo account in the Venmo balance actually and they have froze my account 2 times within XXXX this last time haven't heard anything from them and it's going on 10 days I've called multiple times and submitted claims after claims and still is suspended gave them my info and still nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07
Company: EQUIFAX, 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:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
This was a misunderstanding. It was supposed to be an automatic withdraw from my account. I called numerous times to rectify the situation was and it was never done.

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 2019-10-28
Company: STATE EMPLOYEES CREDIT UNION
State: NC
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
On XX/XX/2019, I made a payment in the amount of {$72.00} to XXXX XXXX in North Carolina. The next month I received my monthly statement. Billed date XX/XX/2019 the previous amount is still showing on my statement {$72.00}. The payment box is XXXX. No payment of {$72.00} from the last month. I go ahead and make from another bank {$130.00} {$72.00} plus {$62.00}. Thinking that I had already made the payment I research and find that I made the payment the prior month in the amount of {$72.00}. I call XXXX and SECU to try and resolve this issue and have not been able to resolve it. 

I was able to talk to SECU personnel in XXXX to give me the information needed which is attached. However, the local bank has yet to resolve or consider any resolution.

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 2020-09-09
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
XX/XX/20 to CFPB Received a letter today, XX/XX/20, dated XX/XX/20 from Capital One! Says : IMPORTANT INFORMATION ABOUT YOUR ACCOUNT! Dear MY NAME : " Recently, during a regular account review, we noticed youve only been using a portion of your credit line. To better fit your card usage, weve reduced your credit limit to {$2000.00} dollars. I want to file a discrimination application against Capital One as they decreased my credit limit from {$8000.00} to {$2000.00} without my permission. There was no reason for them to do that.

Company response to consumer: Closed with explanation