BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-01
Company: SUNTRUST BANKS, INC.
State: DC
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
On XXXX XXXX, 2017 I closed an account at SunTrust Bank - XXXX XXXX XXXX branch ( # XXXX ) by having the funds wired to two separate entities. I was told the bank charged {$35.00} per wire, so the total amount wired was {$70.00} less than the balance. The banker wanted to directly debit the account for the wire fees rather than accept my cash payment for them. I subsequently received numerous dunning notices from the bank - initially for {$30.00} and then for {$30.00} and additional fees. I contacted the XXXX number and was told that the additional fees were in error - should not have been charged since I closed the account. The person ( an attorney ) on the XXXX number could not tell me what the {$30.00} was for, and instructed me to go to branch. I managed to take time off from work and I went to the branch where an officer told me that she would have to research the issue. Within a few hours, I emailed her copies of the wire receipts, told her that I considered the matter closed, that I did n't owe the bank any money as they had collected {$70.00} upon closing the account, and that I expected a written response to that effect. I followed up with her a week later since I had n't heard anything and then received an email from XXXX XXXX, Personal Banker III who said I needed to bring in {$30.00} because the BANK should have charged me {$50.00} per wire, not {$35.00}. So, the people who had all the control, and all the information made a mistake and are demanding that I make up for it. If I bought bananas at the grocery store that were mis-marked, I would pay the stated price ... Why am I forced to take all this time, effort, and energy to rectify their mistake? And do n't get me started on a {$35.00}, let alone a {$50.00} fee for wiring money to domestic banks!

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 2021-03-30
Company: ROBINHOOD MARKETS INC.
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I am unable to withdraw money from my account with robinhood to my bank. It is listed as pending for over two weeks starting with the request on XXXX XXXX. Their customer service is sending boiler plate messages and will not get back to me. I do not have a direct way to contact.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17
Company: Nelnet, Inc.
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
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 disputed the late payments that are being reported on my credit report on XX/XX/2020, XX/XX/2020, XX/XX/2020 and XX/XX/2020. The creditor refused to validate and update numerous accounts and continues to report the incorrect information to all three credit bureaus XXXX, XXXX  and XXXX. I was enrolled in XXXX XXXX status during the time that the late payments were being reported to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-02
Company: PlusFour, Inc
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XX/XX/2017 I was in patient at the hospital. I guess a doctor I do not even know came into see me and bill my insurance company. The insurance company did not pay as wrong paperwork was turned in by the doctor. He showed it as an ER room visit when I was in patient. The doctor in turn put this with a collection agency. I received a letter from the collection agency stating I owed {$400.00}. First I called them and asked for contact information on the doctor so I could get it taken care of. They would not give this to me and told me to contact my insurance to get it. I did this and was told the collection agency needed to provide this. I called them again and was told they needed a letter to give out this information. I took a letter into the agency office and they still refuse to give me this information saying they don't have that. How can they say I owe someone, but not be able to give me there contact information.

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 2021-03-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I contacted this web company in an attempt to buy a dog for my toddler. When I contacted them and they got back to me, I was asked to sign a bill of sale contract to purchase the puppy. During the process everything went smoothly until I made the XXXX transfer. The same day of the transfer I got an email from this individual saying that I would have the puppy by Saturday XX/XX/2020. When I contacted them the day before XX/XX/2020, I got no response and when I went to search for their website, it was gone. Internet pop up only said " we are working or creating something special '' Then I realized what happened. I called my Bank and when they researched the transaction to see if I could reverse it, they said they could not do that. What I found upsetting when I called Bank of America is that the associate informed me that the account where I transferred the funds to was also a Bank of America client. Regardless if this account being from there, they could not reverse the transaction. I created a claim but they denied my request. I was advised by the associate that the account of this individual would be frozen. I was so disappointed and sad I gave up. I didn't even want to think of what happened, but recently I was told to reach you about this situation and maybe you could help with this matter. The email I used while exchanging questions etc. is 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 2020-08-25
Company: NAVY FEDERAL CREDIT UNION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Good Day on XX/XX/XXXX Navy Federal Credit Union took {$630.00} from my saving account XXXX. Alleging that I owe them from a charge off account whereas I had no knowledge off. The representative of Navy Federal on XX/XX/XXXX said a account was open up in my name. She provided the account number XXXX. ( Checking Account ). However I file a Bankrut in XXXX Whereas I was no longer to get a Checking account. Navy Federal claim that the checking account was open in XXXX. They ask me did I ever wrote a check to a Company. I  told them no. This Fraudlent charge was open under XXXX. The failed to provide me a copy of any documentation. Also in XXXX I lost my Dad and had XXXX. I don't know nothing about XXXX. If you have any question please contact me XXXX XXXX at XXXX XXXX XXXX. Your attention in this matter is appreciate. I seeking to get back {$630.00}. Also Navy Federal refuse to speak with me on this matter they hung up mulitple times on the phone to discuss this matter. I ask them to generate this Check under my name. I will be receiving a denial letter in the mail soon.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22
Company: WELLS FARGO & COMPANY
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
I have been scammed last XXXX until XXXX by few fraudulent persons/companies. I have attempted through my bank but also directly to the respective bank and merchant to return back my money stolen by fraudulent people. 

I would appreciate if you could assist me recovering my money. 

Thank you Best Regards 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 2020-08-25
Company: CITIBANK, N.A.
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:
I logged a call to Citibank on XX/XX/XXXX. regarding a credit on my account in the amount of {$900.00} that was refunded from XXXX XXXX on XX/XX/XXXX. I was provided a confirmation number XXXX. I was told by the representative that the money would be put back into my checking account within 3 to 5 days. I've made several calls today only to get the run around. When I request to speak with a manager I either get hung up on or told they don't have one available to speak with. My understanding is that XXXX XXXX only has 7 business days in order to refund. Need help!

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 2020-08-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I received a letter saying Capital One was reducing my credit line in half because I hadn't used all of my available credit recently. I have had this same credit limit for over 15 years. I have never been late or abused my credit card. Last time I had a big purchase was for an interstate move. My reduced credit line will not cover that now if I were to move again. I use the credit card each month for television prescription services, but I pay the balance each month. My FICA score is over 800. I have been a good faith customer since 1996. I spoke with a manager at the customer service number provided. She was very rude and refused to help me. She stated for me to call back in 6 months and try again. I guess they do not like having SENIOR citizens as customers. My bank savings accounts alone would pay off the previous credit limit. It was security knowing I had that credit limit if I should move again or have an emergency car repair, etc. I feel this is discrimination and unfair business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30
Company: JPMORGAN CHASE & CO.
State: FL
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:
On XX/XX/2020, was at work and received a call regarding a suspected fraudulent charge trying to hit my office Visa credit card. They were declining charge per my request. They closed this account and issued me a new card.

Several minutes later I received a call regarding my personal Mastercard credit card that was being attempted to be charged. Again I declined the charges and they put a watch on my account.

I have ( had ) a Visa credit card thru Chase Bank that I occasionally used for online purchases that I received an online statement from showing a charge for {$230.00} from a " XXXX XXXX XXXX '' merchant, for something I did not order. 
Several days later I received a package from this merchant that was promptly returned to the post office unopened. They marked it as refused, and I assumed they were sending it back. 

I kept receiving statements from Chase and have had several conversations with their fraud department claiming I did not make this purchase. Returned to post office to track the return. I sent them documentation from the post office that this package had been disposed of due to the fact of the way it was sent w no return postage guarantee.

I have since closed ALL of my accounts with Chase and my statement balance is now over {$300.00} with their late fees. I am not paying for something that I did not order.

The only place these 3 credit cards have been used that I can determine is on XXXX, lesson learned do not store credit card info on these type of sites.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : 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 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 2018-03-27
Company: Santander Consumer USA Holdings Inc.
State: FL
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 requested a moratorium on my Auto loan for my XXXX XXXX XXXX in XX/XX/XXXX due to the passage of the natural disaster that was Hurricane Irma since i expected that my income and finances would inadvertently be affected by the crisis. I was granted the extension by Santander USA, with my next due date set for XX/XX/XXXX. On XX/XX/XXXX, Santander USA reported my account as being 30 days past due, citing the return of a payment in XX/XX/XXXX which was set up to be automatically be drawn from my bank account on XX/XX/XXXX. 
This was an unfair and unwarranted act ; and a clear case of the lending institution choosing to renege on its commitment to assist a customer who has been directly impacted by a natural disaster. I therefore ask for the assistance of the Consumer Financial Protection Bureau, in having this late payment removed from my credit report. All other attempts by me to have this rectified directly with Santander USA and the three major credit reporting agencies have failed. Copies of the relevant documents and communications are attached for your perusal.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19
Company: Dovenmuehle Mortgage, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have a mortgage with Dovenmuehle Mortgage. I was on forbereance due to Covid for several months and I was able to make payment again afterward. When I made payment for XXXX payment on XX/XX/XXXX online, it doesnt allow me to do so. I then made a payment via the phone and got charged {$10.00} fee. I sent them a message via the online portal in a XXXX asking why I cant make payment online and ask to be refunded my fee but never receive a response. 

I made a payment online on XX/XX/XXXX for XXXX payment but apparently it didnt go through and I just got a phone call from them asking for past due payment and that I have to pay a payment fee if I make a payment via the phone. She also told me that there is a block on my account to make payment online. I am appalled that I cant make payment online and get charged for making payment other way. Dovenmuehle Mortgage should make it available for customer to be able to make mortgage payment either online or with an auto pay and for customer not be charged for it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-02
Company: SELECT PORTFOLIO SERVICING, INC.
State: TN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
This home was refinance by Obama home modification several years ago. The home now has several problems due to poor workmanship of the remodeling that was finance by this loan. The builder and the original mortgage financier went out of business during the XXXX housing crash. 

The builder and the original mortgage financier took advantage for my elderly mother by stripping all the equity out of her home and putting her in a 30 year adjustable interest rate loan when my mother only income was Social Security. Only a predatory would that advantage of an elderly person trying to improve the condition of their home. 

My mother has died ( XX/XX/XXXX ). SPS -Select Portfolio Servicing has  been notified. I have requested a loan forgiveness. I have tried to make payment arrangements. I had power of attorney of my mother during the last three years of her life. I have spoken with SPS several times before my mother death and after my mother deaths. 

Now SPS is refusing to speak with me since I don't have court order executor of estate which I can not afford. 

On the XX/XX/XXXX a SPS representative left a door hanger on the front door for my mother whom SPS knows is dead ( decease ) requesting for her to call. I update all contact information two year ago and again last year when my mother died before I sent them a death certificate. When I call SPS, reps will not speak with me. Sometime they will most times they don't. 

I was making payment by the telephone last year and earlier this year until SPS started charging {$15.00} to process a payment by telephone. 

The staff at SPS can be very evil, vindictive, and unhelpful. I have a case worker by the name of XXXX XXXX whom I have only spoken to once last year. He never has returned my call or do any follow-up. 

Up until XX/XX/XXXX, I could call the automatic line to get account information with my mother 's account number, last four of SSI number, and zip code. Now SPS has added and telelphone number that is invalid so now I have no access to account infomation and SPS reps are now even more refusing to speak with me.

I sincerely believe SPS- Select Portfolio Servicing is intentionally trying to foreclose on this home. It is my understanding the Obama 's home modification protects SPS and SPS will get paid off regardless of foreclosing.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On or around XX/XX/2018, I started a HELOC application with Bank of America. I worked with XXXX XXXX XXXX # XXXX located at their XXXX XXXX XXXX, XXXX, TN XXXX. During my first conversation with XXXX, we reviewed my credit history and he was made aware of my student loans ( all of them are current and in good standing, but on Income Driven Repayment plans ). At no point did XXXX indicate that balance of my student loans may be problematic. After submitting my paperwork and getting all of that out-of-the-way, I was required to pay for the appraisal and credit check. Only after the appraisal occurred, was my application reviewed in further detail. Ultimately, I was rejected based on my DTI because BoA guidelines dictate that my student loan payments must be calculated at 9X my actual payment amount. 

I am not complaining about the underwriting guidelines ; that is their prerogative. I am complaining about the deceit and misrepresentation that ultimately led to my paying for an appraisal that costs me {$520.00}, which can not be used with another lender. BoA had all my student loan information from the get-go. Their failure to adequately train their loan officers on the Bank 's own standards resulted in my spending {$520.00} for a useless appraisal. As no new information was gained after payment of the appraisal, BoA should return the appraisal amount. Their actions constitute an unfair, deceptive, and abusive act that costs me {$520.00}. I have repeatedly tried to reach out to BoA about this issue, but have largely been met with disinterest.

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 2018-03-11
Company: SYNCHRONY FINANCIAL
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Upon checking my credit report, I discovered that Walmart placed 3 derogatory marks on my credit report about an account that I have with them. The following was written on my credit : XX/XX/XXXX, 30 day late, XX/XX/XXXX, 60 day late and XX/XX/XXXX, 90 day late. This account has never been 30, 60 or 90 days late. The minimum payment that was due in on XX/XX/XXXX was XXXX dollars, which Walmart debited out of a XXXX XXXX account. From there, a minimum payment is due on or before the first of each month. They have been getting their monthly payment every month. I would like this derogatory marks ( s ) removed off my credit. I wrote a letter disputing this and no response was received from Walmart. On XX/XX/XXXX, I called Walmart and asked why they reported inaccurate information ... the rep told me that although I pay every month on the first, they cut their statements off on the XXXX of the month. I don't understand what the rational is. i pay every month on the due date. 

This inaccurate information on my credit report is defaming my character and preventing me from getting credit.

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