BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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:
To whom it may concern : I am writing to lodge a complaint against CapitalOne Credit Card Services.  I have been repeatedly denied a higher credit limit over the eleven year period that I have been a customer of CapitalOne. As of the date of this my credit score is XXXX. I allege that CapitalOne is employing unfair business practices and a bias application model to arrive at credit decisions. This is supported by the fact that I have been a customer of theirs, and their predecessor, Orchard Credit Card, for eleven years. In that time I have been granted only one increase of {$100.00} to {$400.00}, then to a total available balance of {$3500.00}. Since my credit limit increased by a total of {$3100.00} when I was not using their credit card, then it stands to reason that they should grant an increase when I have been using my credit card more frequently. However, their decision states that I am not eligible for a credit increase due to Recent use of this account 's existing credit line has been too low. This is an arbitrary, prejudicial and contradictory statement, since I was granted a credit limit increase when I was not using this credit card, or when I used it with very little frequency.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/19 I sent a wire from XXXX to Bank of America and it seems that some of the information was incorrect. Bank of America returned the wire but deducted {$45.00} from the original wire. I was not informed of this fee or authorized this charge which I felt is unfair. Since this is not an informed or authorized charge I would like the money returned

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 2023-09-29
Company: OPTUM BANK, INC.
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I called in to have the account fees reversed and account closed. The first representative I spoke w/ seemed to understand the request, which I believe was completed but no written confirmation was received. I then asked her a question about my XX/XX/2023 statement. She stumbled over a few words, then the line went silent but remained connected. So, I called back to restart the entire process over again and this time, reached someone else who seemed to be working overseas and not entirely fluent in English. Same process. He confirmed that the fees would be refunded and account closed ( please double check ). I then asked him a question on my XX/XX/2023 statement : transfers from investments reflects {$9300.00}, and assuming they were transferred out of investments and into the XXXX XXXX, if {$6000.00} was withdrawn YTD, where is the remaining {$3300.00}? Or, how do the figures in this YTD table read? I've had to call twice, spending 32 minutes on the phone now, and nobody is able to answer. 

1. Please reverse the fees and close the account.

2. Please address my question

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Capital One Credit Card is reporting an alleged debt owed for card XXXX XXXXXXXX on my consumer reports. This debt is reflecting as charged off. Pursuant to Federal law, once a debt is charged off, the consumer is supposed to receive a 1099 in order to report that amount as income. It is also Federal law that income is illegal to report on a consumer report. Therefore, once Capital One decided to charge off the debt, it should have been removed from all consumer reports. In an initial complaint to Capital One, I addressed 2 credit card accounts at the same time for the same reasons. Capital One fully acknowledged one account ( XXXX XXXXXXXX ) stating that it was sold to a 3rd party debt collector. That account was also a charge off account. Capital One has since ceased reporting that account on my consumer report and deleted it but refuses to remove the 2nd credit card account which is also illegally reporting. My consumer report only reflects Capital One as the creditor and only furnisher of illegal data of this alleged debt and not XXXX XXXX whom they claim they sold the debt to. I have attached the letter from Capital One clearly stating that the account was sold to XXXX and that the account ending in XXXX XXXXXXXX was deleted from my credit files per the request of Capital One. Account XXXX XXXXXXXX is no different and should also reflect the same remedy. My credit is being tarnished and discriminated against due to this illegal and misleading reporting by Capital One. Capital One 's negligence is causing me undue hardship and adverse actions. I have not been able to get approved for credit to provide for my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29
Company: U.S. BANCORP
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2023 I was checking my account online, and noticed a withdraw from my checking account, in the amount of {$5500.00}, also a withdraw from my savings account in the amount of {$2800.00} I instantly went to my bank, and let them know this was not me who did this, they froze the account, I then went to the police department and filed a report, went back to the bank the same day, and gave them the police report #. At that time they said I should receive my money within the next three days, when that did not happen I went back to the bank and now they said they would issue a provisional credit within 10 days. In the mean time, I froze my credit at all 3 bureaus, as well as went to DMV, and changed my drivers license, and the social security department. Calling the bank each day to check on the status of my stolen money, each day they had nothing to say, except we had to wait, and gave us a U.S. Bank fraud number to call, which I did at least 5 times, and no-one was able to give me any information, or policies, or procedure 's, or how long it would take for me to receive my money back. Today is XX/XX/2023 and I am overwhelmed and frustrated can you please help me. That is all the money in the world to me and the bank doesn't seem to care, and is still unable to tell me when I will receive my money. Thanks in advance for your help in this very important and urgent matter.

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 2023-06-07
Company: SANTANDER HOLDINGS USA, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
This complaint is an add on to my last complaint since it only allows me to list 3 companies. 

XXXX XXXX XXXX XXXX SANTANDER CONSUMER There are hard inquiries on my credit report that were made without my authorization. I was not able to reach a representative with Santander Consumer to dispute it. I was able to reach a representative with XXXX XXXX, however they were not helpful. I told them that I wanted to dispute a hard inquiry that was made without my authorization. The representative asked for my account number. I told her that I do not have an account with them. I asked to speak to a supervisor and she told me no and that if I do not have an account with them, they can not do anything with my credit report. I proceeded to ask her why they ran my credit then if I do not have an account with them. She did not answer my question and told me that I needed to contact the credit bureaus. I told her that I already did and that they told me to contact the lenders. She stated again that if I do not have an account with them, that she was unable to assist me. I reiterated to her that I do not have an account with them, which is why I'm disputing an inquiry that was made on my credit report. She hung up the phone on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I, XXXX XXXX, wish to bring to your attention a matter of utmost importance. Specifically, I would like to assert that 15 U.S. Code 1681 c-2 clearly states that if a consumer identifies information in their credit file that has resulted from alleged identity theft, a consumer reporting agency is legally obligated to block the reporting of such information within a period of XXXX business days. 

To provide some context, I dispatched a package to your organization on XX/XX/2023, containing my FTC Complaint numbered XXXX, Trans-Union affidavit , FTC affidavit XXXX police report, a copy of my driver 's license, social security number, and a copy of my gas bill. The purpose of this package was to request the blocking of information in my credit file that I have identified as being a result of identity theft against me.

It is crucial to note that I am well aware that, as per 15 U.S. Code 1681 n, the failure to adhere to this law may result in punitive damages. Regrettably, I must emphasize that I have not witnessed any action being taken on my request, nor have I received any information from your end regarding how you have verified the identity theft that led to my credit denial. This is a matter of great concern and immense frustration for me.

I want to make it unequivocally clear that I find this situation highly unacceptable. To prevent any further legal actions and to seek a swift resolution to this matter, I hereby demand that you immediately remove the fraudulent XXXX  XXXX XXXX account XXXX. XXXX from my credit report. 

This correspondence serves as a formal demand on my behalf, urging Trans-Union and XXXX to initiate a comprehensive investigation into the facts and circumstances surrounding this issue. I expect an appropriate response to my concerns, which should include your immediate compliance with the aforementioned demand. Keep in mind Under consumer law asking XXXX  XXXX XXXX to verify this fraudulent debt is not the credit bureaus doing a true investigation on this matter. 

I trust that you will treat this matter with the seriousness and urgency it warrants, as I am prepared to take further legal action if necessary. I eagerly await your prompt response and resolution of this pressing issue. 

Sincerely, 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 2022-02-28
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XXXX XXXX we made an in branch withdrawal of {$500.00} and received {$500.00}. About a month later on XX/XX/2022 Wells Fargo automatically deducted another {$500.00} stating the {$500.00} withdrawal was cashed for {$1000.00}. This is false. A week later I received a letter with a phone number to call for questions. I called on XX/XX/2022 to file a dispute and research request. I never heard back. I called again on XX/XX/2022 and provided the reference number. The representative stated a dispute/research request was not filed. A new research request was submitted with a promised resolution of no later than XX/XX/2022. I did not receive a resolution. I called on XX/XX/2022 and was told there was no resolution and was transferred several times and provided several not working phone numbers. The new case manager advised me to call the branch to dispute the withdrawal and provided me with the phone number of a branch in another state. I explained to him that it is the wrong branch ( out of state ) and he insisted that it is the right branch to contact. I tried calling the actual branch several times and no one picked up. My final call resulted in the research team escalating my case and promising a call be Thursday XX/XX/2022. 

A bank should not be able to unilaterally deduct money from accounts without cause.

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 2022-02-09
Company: SN SERVICING CORPORATION
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Home was closed on in XX/XX/XXXX, conventional loan with XXXX XXXX XXXX, payments made were never reported to credit bureau, after being told of payments were made on time for first XXXX months, home would be refinanced with lower XXXX, called and company said they do not do that, loss mitigation packet was completed in XXXX of XXXX, never received answer til XXXX of XXXX where I was denied due to lack of income.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05
Company: AMERISAVE MORTGAGE CORPORATION
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I attempted to refinance my mortgage through AmeriSave Mortgage company. I received an initial loan estimate with a closing cost of {$5600.00}. I was told that here was an application fee of {$500.00} but was told that that would go toward the appraisal so don't worry. Appraisal was done and a closure disclosure was eventually emailed with a closing cost of {$8000.00}. Almost @ XXXX difference. I had 5 days to sign documents or my loan process would be closed. I have been calling to discuss the change for the last 2 weeks and no one answers the phone throughout the company. Have left over 20 messages with the loan officer and company. There is no way I would sign anything without first talking to someone. I've used different phones to call from thinking that maybe they wouldn't recognize my number. I guess that they assumed that since I paid my {$500.00} I would be pressured into signing the documents so I wouldn't lose my money. The old bait and switch.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-16
Company: EQUIFAX, INC.
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:
I submitted a letter to the Credit Bureaus to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-29
Company: FIRST HOME MORTGAGE CORPORATION
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Payment process

Complaint:
My mortgage company sold my mortgage, changed my account number, lost my payment, did not give notice of a late pay and reported me to the credit bureau as 30 days past due. 
I have paid my mortgage on time every month for over 25 years. My mortgage payment was due on XX/XX/23 and I sent payment on XX/XX/23 from my bank and this was verified. The mortgage company sold my mortgage and changed my account number several months before. They sent me notice of the account number change later in XXXX. At that time, I made changes to my payment for XXXX. That was due on XX/XX/23 and I sent payment on XX/XX/23. That payment was received by my mortgage company and applied to my XXXX payment. I was also reported as 30 days past due. After multiple hours and multiple calls of trying to contact them, they constantly stonewalled me. They said research was the department that could make a determination and they cant talk on the phone. Therefore, I was not able to resolve the issue. I have proof that my payment was sent out and there was no contact by the mortgage company that payment was late or going to be late. In fact, all mail correspondence with this company has taken several weeks to reach me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29
Company: Nelnet, Inc.
State: FL
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 submitted my application to NELNET nearly 6 weeks ago and have not gotten an update with regard to payments. They have not asked me for any information and have not updated my new payment plan on their website that I check daily. Payments are due to start next week and this is a going to make a mortgage size monthly difference. Their previous email said theyd update me every 10 days and I havent gotten an email in 19 days from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I refinanced my mortgage in XX/XX/XXXX to Cardinal Financial Services. This was a huge mistake, because I've never had so many issues with a mortgage company before. This year in XX/XX/XXXX, I deposited {$4000.00} into my escrow account for my insurance and tax payments. On XX/XX/XXXX I asked for an escrow analysis and rebalance to be preformed on my account since I am continuing to pay {$420.00} a month to escrow even though the funds are already in the account. 

In XX/XX/XXXX, I contacted Cardinal Financial and asked to run an escrow analysis. The company refused to run this analysis for reasons I do not know. Which was disheartening to hear, as I had no other options. I waited a few weeks and contacted Cardinal Financial again in XX/XX/XXXX. At this point my escrow account balance was over {$7400.00}. They refused the analysis again, however this time I asked for a Supervisor. The Supervisor processed my request and the analysis was completed. However, nothing changed on my account. They calculated my insurance and taxes would cost {$5000.00} for the year, but did not rebalance the funds in escrow. 
Instead, Cardinal Financial decided to send me a check for {$4400.00} and continue to charge me {$420.00} a month into escrow, even though the full amount for both payments were available in escrow. This is the first time I've ever had a mortgage company not apply my escrow balance to future insurance and tax payments for that year. I own multiple properties and have dealt with several different mortgage companies. 

I do not know who can help me with this issue or what attorney to hire. From my calculations, I should have received a {$2200.00} refund, with a monthly payment of {$5.00} into the escrow account after the analysis and rebalance calculations. With previous mortgage company 's I've used, they would apply the escrow balance to adjust the monthly amounts for upcoming tax and insurance payments. 

Please help! Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29
Company: Dave Operating, LLC
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
My account was closed without my knowledge due to supposed security issues, though there was no unusual activity on my account. I contacted the company and they refused to tell me why the account was closed but said that I would receive a paper check within 14 days. Thats been 3 weeks ago almost and the only response I get when I ask about the check is the day it was requested.

Company response to consumer: Closed with explanation