BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-10-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Submitted CFPB complaint no. XXXX on XX/XX/XXXX, matter was resolved and the fees were refunded. This matter has happened again with the XXXX XXXX XXXX of California and Bank of America. The XXXX XXXX XXXX, calculated my taxes on information provided by my ex-employer United States Postal Service and put a hold on my account with Bank of America. I did my tax return and mailed it in about XX/XX/XXXX, the tax board did not receive my tax return and issued a hold on my account on my account which was received by the Bank of America on XX/XX/XXXX. Bank of America withdrew its XXXX legal fees, {$12.00} service fees and XXXX to be sent to XXXX XXXX XXXX. On XX/XX/XXXX had to fax tax return the previous tax return that I had mailed in was not received. Spoke with XXXX XXXX from XXXX XXXX XXXX, who assured me that no legal fees would be charged because she had emailed to the bank a release. I had previously received a letter from Bank of America stating the the funds would be remitted to XXXX XXXX XXXX on XX/XX/XXXX unless there was a release or court order to the contrary before that date. The funds sent to the XXXX XXXX XXXX were returned but the legal fees were not. The orders sent by the XXXX XXXX XXXX, specifically state : Retain any funds withheld for 10 business days from the date you receive this order. Bank of America withheld my funds on XX/XX/XXXX which is three days after receiving the order. The letter they sent me stated they would remit the funds in 17 days after they received the order. Notify the taxpayer and any other person listed on the account or accounts that you are withholding funds according to this order and the date you will be transmitting the funds to the ( FTP ). The bank was to withheld the funds for ten days and they notified me that they would be remitting the funds in 17 days from the date they received the order. Transmit any funds withheld to us at the end of the 10 days holding period unless you received a release from us. The release was sent from XXXX XXXX XXXX on XX/XX/XXXX. Revenue and XXXX code section Code 18674 ( b ) states in part : An institution may asses the account or account of each person receiving this notice a reasonable service charge not to exceed XXXX dollars ( {$3.00} ). I am asking for a refund of {$100.00} dollars legal fee.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-07-02
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Settlement process and costs

Complaint:
I filed for Chapter XXXX in XXXX. My XXXX mortgage with Well Fargo ( WF ) was charged off $ $ XXXXXXXX.They indicate that we should call them. In XXXX XXXX, XXXX I was offered XXXX settlement plans.by XXXX and XXXX:1- {$40000.00} immediate payment2- {$47000.00} XXXX months3- {$54000.00} 60 months, payments $ XXXXXXXXThese payments were arranged by automatic withdrawal. WF indicated we would have to reset up payment every XXXX months. I requested numerous times for a written document of the settlement. WF indicated it was in my account file, not to worry. 
We pain until XXXX XXXX when XXXX indicated they could not authorize automatic withdrawals. 
I finally spoke to XXXX today XXXX XXXX, XXXX and she gave me XXXX different answers:1- no settlement on file2- Settlement is void, due to missed paymentsI have been trying to pay WF and they have declined setting up automatic withdrawals.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23
Company: LEXISNEXIS
State: SC
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:
I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC reports regarding the accounts that do not belong to me. 
These companies have refused to work on disputes even though they are required by law to do so. 

I've also called on multiple occasions regarding the negative items that are reported on my credit report. These accounts are not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23
Company: Chime Financial Inc
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I received a deposit from XXXX XXXX  when my car was totaled out from an accident. 2 months go by and then my account was locked. I called and was told I broke the policy there and my account was closed. They then told me I'd get my funds via check in XXXX XXXX days. After no check arrived, I called back and they said my account is not closed but on hold and I needed to send proof of where my direct deposit came from. So I emailed them a copy of XXXX XXXX paper that gave specific amounts. Now a week later they still won't release my funds. They won't let me cancel my account either. I don't understand. I'm being treated like a criminal because of a car accident. I ask you to please look into this bank? Now they want info for more than 1 date but I can't get into look so how can I remember 2 months ago without being able to see.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23
Company: Chime Financial Inc
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Chime decided to close my account due to violating their member services agreement on XX/XX/XXXX, I had approximately {$6700.00} in my Savings/Checking Account, and I had provided all of the requested documentation to release my funds immediately back to me. I've sent several emails and placed many phone calls to Chime and their customer support department and have not been helped. I keep receiving the same answer via email indicating I am not entitled to a refund. This is my hard earned money, I have provided proof and explanation of my deposits, everything is legitimate on my end, I have never had any issues with Chime or any other financial institution before, you can not hold my money, and claim I am not entitled to a refund, I didn't do anything wrong, that is my money. I have not been able to pay any bills, buy food, support my family, put gas into my car since XX/XX/XXXX, I have a car and insurance payment due on the XXXX and XXXX of XXXX, my rent is due on XX/XX/XXXX. I am escalating this matter to the fullest extent of the law until my hard earned money is refunded. I am filing a complaint with the Consumer Financial Protection Bureau next and will be hiring a law firm to file a Summons and Complaint against Chime and your associated entities for all of the damages and harm you have caused my family and I in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-12
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I had a number of tax liens that I have seen paid and satisfied with the State of Ohio. Once I received the notices of satisfaction and after I filed the paperwork and paid the necessary fees with the courthousesXXXX, I then sent copies to all of the credit reporting agencies. Several of the liens have been deleted. Others still remain. XXXX still reports XXXX. XXXX still reports XXXX. Equifax still reports XXXX and XXXX all of which have been paid and released and I have sent supporting paperwork multiple times. Each time I dispute, they will reinvestigate and confirm but will not delete. However, several other liens were deleted upon request. It is difficult for me to understand the randomn action. I am rebuilding my credit and the liens will hold me back in terms of my score and will make it continuously difficult for me and my new family to prosper. I am asking this board to investigate if needed/and or direct the credit agencies mentioned here to deleted the aformentioned liens on my reports. Thank you and I appreciate any help you can provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01
Company: BARCLAYS BANK DELAWARE
State: OH
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I changed my address online on Monday. I was informed I could no longer access my account. I called to see what was going on and was told I had to send in documents to verify my identity. I sent my ID with my picture and a screenshot of my heating account with my name, address and account number. I talked to the rep while I did this. I move into my new apt on the XXXX of XXXX and there is no way I will have a bill before XXXX. I sent them what they had and described that to the agent. Ask for the call records I got an email saying I could log into my account and once I did that I was once again told it was locked. I called on Friday the 1st. The first time I was told they didn't know why. The second time I was told it was because security couldn't open an attachment. They all had the same file extension so if they could open one they can open all. They won't let you talk to a manager. I have tried.

Attached are there documents sent.

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 2015-05-05
Company: CREDIT WORLD SERVICES, INC.
State: MO
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
A debt originating with a Creditor was erroneously assigned to Credit World Services , Inc. XX/XX/XXXX. I contacted the Creditor confirming and correcting the error. XX/XX/XXXX I sent a letter of dispute requesting new verification of debt to Credit World Services , Inc. who then refused in writing to provide a new verification of debt. I resumed payment to the Creditor as previously arranged until the debt was satisfied XX/XX/XXXX. 

I have received several phone calls each containing harassment from " representatives '' and individuals claiming to be affiliated with Credit World Services , Inc. despite formal written request that all communications be in writing. 

The alleged amount owed as claimed by Credit World Services , Inc. has varied by a significant margin. 

Credit World Services , Inc. reported to XXXX that I had an account in collections XX/XX/XXXX. This deliberate, malicious, false, claim and misrepresentation of the truth has caused severe financial hardship through a compromised credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I will attempt to make payment on website. Since I only use once a year, I get locked out when making payment and I don't always have my card around when trying to make payment. It locks me out for 2 hours. While I forget to return ( which is my fault ), I feel that the 2 hour lock period is too long a lock out period in hopes that people will forget to return to pay bill on time. They did not have autopayment in past and now have it. I spent 20 minutes on phone to set up autopay to prevent future missed payments. Lady on phone had me use 3 browsers over 2 devices and told me it was an error on my devices ' part. I asked if there was someone that could help me sign up for autopay and she said no I had to do it myself and that unfortunately she couldn't help me. I will attempt to check back later, but I feel between an XXXX XXXX and a XXXX computer with browsers of XXXX XXXX, XXXX  and XXXX XXXX, which are so commonly used, this is a tactic on the end of Kohl 's Credit card to prevent payments so that they can continue to collect interest and late payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-19
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I opened a checking account with XXXX and a debit account was provided and tied to my checking account. I now discovered that XXXX has reported the year of opening the acount as XXXX. The problem I discovered in XXXX which allows me to view and challenge the Equifax as well as XXXX reports is that, while the checking account and debit account was properly closed with XXXX in XXXX prior to our relocation to XXXX in XXXX from XXXX. It contained many errors. 

The information I viewed on Equifax states that this account was a credit card which was false since I never had any credit card in XXXX. XXXX is the first State that I received my first credit card. Equifax also reports that XXXX XXXX XXXX, 4years after we have relocated to XXXX was my 1st delinquency date and reported it as a charged off account. XXXX timely correct all informed that were reporting incorrectly, however, Equifax pretended as if it was investigating the errors in my file while it was a sham investigation. I challenged Equifax on this sham investigation since the telephone number I was initially provided to XXXX by Equifax was already disconnected. After I notified Equifax of this sham investigation, I was informed that another investigation would be conducted, which now produced another confirmation # XXXX written on a correspondence sent on XXXX XXXX, XXXX. This last response again reaffirmed the already erroneous report that XXXX is reporting on the account. The number I was provided to XXXX is XXXX XXXX XXXX XXXX and it is still not in service. I went on XXXX to find a telephone number to SECU and received a mailing address and a copy of the correspondence I sent on XXXX XXXX, XXXX was sent to SECU without any response. 
This was not the only challenge in my file that Equifax is not reporting accurately on and refusing to conduct the required investigation on. I would appreciate your agency intervention on this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23
Company: CITIBANK, N.A.
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I was a victim of Fraud At Citibank, they presented 3 Totally Fake checks ( My name and surname are not those on the check, the checking account # does not match, it is from my Savings, the Signature of the other signatory is false, the checking account does not I had a balance to pay, it does not have the due endorsement ) 2 of the checks could be reversed, leaving one pending for {$31000.00} from XX/XX/2022 reported on XX/XX/2022 when I noticed. Being the account BLOCKED BY THE FRAUD DEPARTMENT, on XX/XX/2022 they withdraw {$79000.00} in CASH, leaving my account at " XXXX '' everything is reported to the fraud department, the documents that they requested plus all the evidence that I found have been sent in my account, today 3 months later I do not have an answer or refund of my money... I need help. They are the savings of my whole life and I live from them, I live in 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 2022-11-23
Company: BANK OF NEW YORK MELLON CORPORATION, THE
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
Dear Sir/Madame, At XXXX of XXXX I sent a payment in XXXX dollars from my account in XXXX ( XXXX ) XXXX XXXX XXXX XXXX ( XXXX ) via the Bank of New York Mellon XXXX It was a payment for buying a car XXXX XXXX XXXX 
Amount : USD XXXX Transaction Reference Number : XXXX This payment was not received by the payment receiver. 
Please, let me know how I can get back my money or deliver money to the receiver. 
Thanks in advance. 
Best regards. 
XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-05
Company: EQUIFAX, INC.
State: NC
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 sent two dispute letters to Equifax in the months of XXXX and XXXX, but on both occasions, they either told me that they can't complete the investigation process because I either have a security freeze on my credit report or that I'm not detailing what I'm disputing correctly. I feel this is bogus because XXXX  and XXXX  have already deleted the same accounts that I have on my Equifax report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I emailed the XXXX of the bank, expressing the problem, they emailed me back saying that they will try to resolve the issue, but there is no guarantee that it will not be happening again. I'm the one always making those transactions, I never give any of my personal information out to anyone, and I have told them that, I don't know how many times. If this continues, I will leave the bank, and also why can't I apply for a credit card? I get denied everywhere.

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 2019-12-07
Company: Paypal Holdings, Inc
State: RI
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:
XX/XX/XXXX at XXXX, I received an email from XXXX  XXXX XXXX ( I have a credit and debit card with XXXX  XXXX XXXX ) saying that my card was being used to make 20 individual purchases on this website XXXX, with charges equating to {$8500.00}. I called the bank immediately and was told someone hacked into my paypal and my XXXX   account. I was unable to access my my XXXX  account since the hacker changed all of my information. The bank closed my account, but XXXX of the purchases did process on my credit card for {$580.00}. I checked my account today, XX/XX/XXXX, and I noticed over {$3000.00} of my savings had to be transferred to my checking account which means the orders the hacker made could have been processed. I called XXXX  XXXX   XXXX again, and I was told they froze my account. I am going to XXXX  XXXX XXXX to open a new account, but I have to wait until next week to get an update on my claim. I filed a claim to PayPal and it is under review. I also emailed XXXX customer service and they were able give me access to my account and to change my password. However, once I logged in, I realized XX/XX/XXXX of the items the hacker tried to purchase are processing.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-19
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
I have written Wells Fargo requesting them to provide me the details of the legal fees that have been added to my mortgage account of XXXX, XXXX property. As you will note, I have been dealing with this matter since I discovered in my mortgage account and Wells Fargo made several internal inquiries and researches on this and concluded that their charge of {$4100.00} legal fees will be in my mortgage and would not change it. They further confirmed to me that they will not give me the detail accounting/invoices and name of the WF attorney regarding the city 's complaint of code violation at my properties because according to them, these are confidential. WF also repeatedly claimed that they received summons from the city of XXXX and would not give me a copy of the summons because it is non-existent since as the owner of the property, I should also be receiving such summon but I did not because I do not have a case against the city for the XXXX property. We wasted a lot of time and I am asking you to resolve this matter to remove this amount from my mortgage account and relieve me from this financial XXXX and XXXX. The city record does not reflect any written communication between WF attorney and the city officials. In XX/XX/2012, I had communication with a WF attorney who threatened to foreclose my property if I do not completely satisfy the city when he knew that the city has been harassing me for a long time. I am attaching a declaration from XXXX in support of my claim how the city financially ruin me and make a victim of XXXX. I communicated with the same WF Atty. requesting his help to get XXXX 's approval of new electrical service as I already got approval from the city of XXXX but his response was his not going to help me but in fact waiting to foreclose my property if I miss the deadline. WF never informed me why they hired an attorney.

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