BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OK
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I am still having a problem with Bank of America remodifcation loan applied due to medical conditions 100 % XXXX Veteran. I have all documents sent numerous times via fax and XXXX never processed. 
Promissory estoppel Appelliate Case Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX Document XXXX Filed XX/XX/2016 CFPB Complaint Number XXXX XX/XX/2016 Bank of America account ending 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 2019-04-24
Company: Navient Solutions, LLC.
State: PA
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:
My father is a co-signer on my private loan Navient told me that I have to make a payment of XXXX for 12 months straight to get him released off my loan when my 12 month was up I was waiting for Navient to take the money out of my account my payment due date came and no payment was withdrawin from my account so I contacted them and they told me that my payment is delinquent and that I now owe them XXXX and now that my last Payment is late my father has to stay on my loan another year because I didnt have a year worth of payments on time

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07
Company: WELLS FARGO & COMPANY
State: PA
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 tried to revoke the authority of a merchant to charge my credit card. After weeks of trying the merchant will not return my calls. As such I called my credit card ( Wells Fargo ) to tell them to revoke the authorization of the merchant to charge my card. Wells Fargo refused to comply and stated that the merchant can charge what they want even without my authorization.

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 2021-09-12
Company: Genesis FS Card Services, Inc.
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
XXXX  credit card never sent me proper notification of the annual fee like I requested but instead charged me a late fee for an annual fee I was not notified of, when I called the bank to have the annual fee removed the customer service persona was rude and unhelpful. I do not feel there should be a late fee on an annual fee. they are predatory lenders and taking advantage of people with bad credit or low credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OK
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
I purchased a cashier 's check that was not used for it's intended purpose. Instead of redepositing the check in my account they plan to reissue the check even though I did not give them permission and I have a negative balance at Bank of America. They refuse all transactions concerning my account. But somehow they feel that they have the power to reissue a cashier 's 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 monetary relief
Consumer complaint received 2020-08-07
Company: CAINE & WEINER COMPANY, INC.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Caine & weiner company is trying to collect a debt that i have no knowledge of i have never signed any contract with them nor any of there affiliates

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-12
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I disputed inaccurate and incomplete information reported on my Equifax report concerning XXXX accounts XXXX and XXXX. I asked for specific items in my credit report. The letter is attached. Equifax then responded with confirmation XXXX. Several items are missing and incomplete such as Last Payment amount missing and incomplete, Date of Last Activity, Date Closed missing and incomplete, date open is not accurate, unless they can provide proof. As per FCRA all information must be complete and accurate or deleted. The XXXX XXXX accounts should be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
On or about XX/XX/XXXX i became a victim of identity theft. My credit reports had multiple entries for credit that i didn't make. Several of which were for Bankruptcies that im not responsible for. On or about XX/XX/XXXX i filed a police report for identity theft and a complaint with the federal trade commission. There after, i forwarded copies of my FTC Affidavit to all 3 credit reporting agencies XXXX, Transunion and XXXX. Transunion is still holding this fraudulent bankruptcy on my credit report. On or about XX/XX/XXXX i applied for credit with XXXX XXXX XXXX XXXX an i was denied because of the bankruptcy being held on my Transunion report.

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 2021-05-25
Company: WELLS FARGO & COMPANY
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: Account status incorrect

Complaint:
Wells Fargo Bank offered me a Covid deferral on my account and stated that all payments and interest would be deferred without any negative credit reporting or fees. I was in deferral for two three month periods, XXXX to XX/XX/XXXX and XXXX to XX/XX/XXXX. In late XX/XX/XXXX, I discovered that Wells Fargo reported four of those six months as 30 days late. After two attempts to have them correct my report, still no corrections have been made even though it is clearly documented in their system that we were in deferral. All fees and interest were credited back to the account but they still have not corrected the credit report!!

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 2021-10-07
Company: Self Financial Inc.
State: MN
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Tengo una queja contra  la compaa  ATLANTIC CAPITAL BANK SELFLENDER Acabo de sacar mi informe de crdito y descubr que se inform un pago atrasado en mi cuenta. Solicito en virtud de CARE ACT una adaptacin porque me afect COVID-19, actualice la informacin tarda para el 09/2020 y el 10/2020 Le agradecera mucho si pudiera cumplir con esta solicitud de eliminar el retraso de mi informe crediticio. Me ayudara enormemente a obtener otras lneas de crdito para poder mejorar an ms mi puntaje crediticio. eh enviado varias solicitudes

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-24
Company: WELLS FARGO & COMPANY
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I received a call this morning at approximately XXXX am est from Wellsfargo trying to get a payment on my account. We worked out a plan for making a payment and catch up and the gentleman was very courteous and helpful. However, when we went to set up the payment I don't have my checking account information on me and he said he pulled it up and I had a lot of money in my accounts. I made the Assumption he was talking about my daughter 's account which has around {$800.00} and she is saving for a car and also has my name on it because she is only XXXX. Then he said I had a second account that had {$25000.00} in it. I was very confused I definitely do not have an account with that much money in it. So I questioned him and found out that it was my mother 's account and I am listed as a beneficiary. 
My concerns are : 1. I am not an owner on this account and was given personal private information which my mother did not consent to. 
2. An offer was made to take my payment from an account that I did not own which I believe is stealing.

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 2019-04-24
Company: Certegy Holdings, LLC
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
I gave XXXX two check with her both cashed and merchant received the money from my bank account yet Certegy check services states check were still unpaid. I have attach copy of paid transaction from my bank showing checks were paid to merchant.

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 2019-04-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/XXXX for the amount of XXXX and XX/XX/XXXX in the amount of XXXX, I made payments through my online bill payment to Cabelas MasterCard. I received a notice that my account was past due. After some investigation a couple weeks ago I found out that they never received the checks my bank had sent. After contacting my bank, XXXX XXXX XXXX XXXX, they told me that those checks were cashed and cleared my account. After they sent me copies of the checks I see that my Cabelas account number on the top of both checks was crossed out and an account number was hand written on the checks as youll see in the photos I submit. The checks were also deposited by XXXX XXXX which youll also see on the back of the checks. I have no account with XXXX XXXX and I have no clue as to why they ended up with my money. So I called them last night and they would not help me or give me any information. So at this point Im out a total of XXXX dollars and my credit is being affected for late payment to Cabelass. Im not making any further payments until this is resolved. I would greatly appreciate any help. My bank told me to contact you guys for a resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-12
Company: Commercial Acceptance Company
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Account name : COMMERCIAL ACCEPTANCE CO Creditor : XXXX XXXX Date : XX/XX/XXXX Amounts : {$2400.00} Repeatedly posting balance update : XX/XX/XXXX Previously called when I was a XXXX XXXX and threatened said debt would seriously damage my credit and reputation, used scare tactics and abused the ignorance/innocence of incoming students. 

Downplayed the lease duration as an issue, citing " very easy to find sublet as a popular student apartment '' at the beginning of the semester even though I have clearly mentioned " I will transfer in half a year ''. Where in fact, a lot of students do not want to move there due to horrible reputation of the management of the apartment complex and it is XXXX semester, which is well-known the students at the campus at that time. There are numerous complaints online against their management style and is publicly available on XXXX maps. XXXX back then can vouch for said statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-25
Company: CITIBANK, N.A.
State: MA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
On an ongoing basis, when I receive my XXXX 's bill, I pay the balance in full. Each time I pay the balance in full the following month I receive my statement stating that I owe {$2.00}. Each month I call and the automated system then removes the {$2.00}. This month I was frustrated with having to call each time to have this removed. I am sent a bill, I pay the full balance of the bill, in the correct amount of time allotted, yet I am charges and " interest fee '' for the balance. Who is to say if I pay that {$2.00} they will not charge me another " minimum interest fee ''. When I spoke to a representative, they explained this is the interest generated on the account from the time the previous statement closes until the payment is received. Here is my problem which I will attach 4 statements to clarify, in XX/XX/XXXX I paid off {$82.00} and change bill, I received a {$2.00} interest fee for " the accrued interest from the previous statement until I paid it off '', in XX/XX/XXXX I paid {$49.00} to pay off my bill, a lower amount that XX/XX/XXXX, yet my accrued interest on a lower amount was the same {$2.00}. My feeling is, if I pay a bill off, I pay it off, there is no other interest if paid in that statement. The {$2.00} is way of XXXX 's either making people feel they underpaid their statement and they are collecting it, or people do not notice it and the next month have a {$27.00} and a 30 day late penalty on their credit, because of a late payment and thinking they paid the bill off. 
This is a sneaky business practice needs to be corrected.

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 2021-05-25
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
To who this may concern : My name is XXXX XXXX. I would like to.fe a charge against citi bank. 

I received my credit card and there was a block on it to verify information. I contacted them and was asked to give my brother social security number and my sister which I found suspicious. I did give them so I can have my card back and still they did not release the block. In addition, the representative XXXX and than XXXX continued to ask for other out sources information like my sister in law phone.number. non of these people ate on my account. I believe citi bank violated consumer privacy and unethically stoled my family information. Am so stressed. 
Please help 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 explanation
Consumer complaint received 2020-01-16
Company: LJ Ross Associates
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
LJ ROSS ASSOCIATES have ruined my credit by falsely adding a collection account that is NOT mine. 

I don't have an account with LJROSS. I have never had a contract or financial obligation towards XXXX XXXX. They are trying to collect money that it NOT owed. 

I need the collection removed from all my 3 Credit Reports. 

Thanks, XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-17
Company: Experian Information Solutions Inc.
State: WV
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:
On XX/XX/XXXX I was dismissed by court on being the one responsible to make the payments on the mortgage. The late payment made on the home by my ex husband was on XX/XX/XXXX this is when his payment was made on the mortgage. No other information was given to me by the bank. No registered letters in the mail. No phone calls. This company knew where I was employed. Made no attempts to contact me. House was foreclosed on XX/XX/XXXX without either of our knowledge. Again no contact from the lender. House was sold XX/XX/XXXX for back payments. On the credit report it is showing a Max delq. date of XXXX ( House was sold already ) so this is incorrect. Even shows late payments XXXX through XXXX after the house was sold. If I have no balance on this home why are there late payments showing on my account? Why was I notified on anything involving this home?

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 2019-04-24
Company: ERC
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX has been mailing me bills for years that is not mine. I have returned to sender items and written that it is not mine as I AM NOT XXXX XXXX. 

I have moved XXXX times and the debt has followed. They recently reported it to the credit bureaus and negatively effected my credit. I disputed it. The company continues to bill me. This needs to be removed from all three bureaus and they need to cease mailing me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-24
Company: EQUIFAX, INC.
State: GA
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:
Sent Dispute to Equifax certified mail regarding dispute. See CFPB compaint # XXXX. The CRA has failed to respond within 30 days regarding investigation. CRA recieved certified letter on XX/XX/2019 XXXX am. Equifax has failed to respond to dispute within 30 days. Under current regulations, in reference to response time, I am now requesting a complete deletion from my credit report and requesting that a full report be sent to me stating that this entry has been deleted and reflected in a full report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-21
Company: WELLS FARGO & COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I went to Wells Fargo Website to open Checking Account and when I finishing completing the application I receive the following message and email Skip to main content Sign Off Customer Service Locations Apply Home Search Thank you for submitting your application, XXXX. 
Print Wells Fargo Everyday Checking Application Reference Number : XXXX Status : After carefully reviewing your request, we have determined that we can not approve your application for this account at this time. We will mail you a letter explaining this decision within approximately 3 business days. 

If you have questions, please call us at XXXX, Mon - Fri : XXXX XXXX XXXX XXXX, Sat Sun : XXXX XXXX XXXX XXXX  Pacific Time. 
Wells Fargo Bank, N.A. Member FDIC. 

About Wells Fargo Careers Sitemap Privacy, Cookies, Security & Legal Online Security Home Ad Choices Report Fraud XXXX - XXXX Wells Fargo. All rights reserved. XXXX ID XXXX When I contact the above number a young man name XXXX Answer indicating that he or his unit can not explain why it was denied that I would have wait for letter in the mail now I have a reference number and they should be able look it up but they can not please investigate this bank and online services and ensure that system is working legally and all misconduct and mismanagement found all individuals involved be convited according to United States Federal Regulation

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 2019-04-24
Company: Big Picture Loans, LLC
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
applied for a loan with bigpictureloans.com on XX/XX/2019 to help with some bills, got approved but after the finalization was done received the information on repaying the loan in detail. will be repaying 3 times the amount I borrowed. loan amount was {$1900.00} the repay is going to be {$6900.00}, this is completely unfair.

Company response to consumer: Closed with explanation