BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-11-30
Company: WELLS FARGO & COMPANY
State: PA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
Its the policy of my bank, Wells Fargo not to cash checks made out to anyone if its more than 30 days old, my understanding is that require the person, or company to get another check issued if its more than 30 days old. Wells Fargo cashed a check to the city of XXXX for XXXX, on XX/XX/2016 for check dated XX/XX/2016, which cause my account to be overdrawn, because the replacement check was cash on the same day. City of XXXX claim they did not receive first check for XXXX, so I sent them another one for same amount. { # XXXX } I called Well Fargo [ XX/XX/2016 } to inquire about the reason they cash check XXXX, since it was 30 days old, The representative stated that it was their policy, but that the city was at fault for holding check so long, and that there nothing they could do. 
My question is, why have the policy if you do not follow it?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-03
Company: WELLS FARGO & COMPANY
State: IN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
XXXX v. wells fargo The purpose of this complaint is to investigate interest charges and administrative fees on my home mortgage while it was in litigation for the past 33 months, approximately. 
My home is in pre-foreclosure. I have an interested buyer, however, the list price was based off of a principal payoff of {$110.00}, XXXX as quoted over the phone by a Wells Fargo associate in the foreclosure department. When I received a payoff statement from Wells Fargo by mail it had a figure of {$150000.00}. 
The loan was originally {$95000.00} at 5 % interest with an additional {$32000.00} at .5 % interest ( for a XXXX rehab loan offered by H.U.D. to make sure homes are habitable and meet Indiana code ) totaling {$120.00}, XXXXXXXX5.5 % interest. 
Aside from being taken advantage of as a first time home buyer from the beginning of this mortgage process ; now that I 'm trying to reconcile a reasonable balance Wells is continuing to dig a financial rut for me that at my age of XXXX, I unlikely will be able to get out of. ( at first I had been approved for a conventional loan, then it became an FHA loan which is when the XXXX rehab attachment to my mortgage occurred ). 
Please investigate the unreasonable and uncustomary fees they have attached to my account as well as the fact they sold me a home that would take in excess of {$70000.00} to bring to code not {$32000.00}. I am attaching letters I 've sent to Wells Fargo pleading for a resolution. No one of executive authority will directly handle a call or respond to my letters. I have been able to get through to middle management. Today I was told they intend to go on with a foreclosure sale and will send me a breakdown of how the interest has accumulated on my account. I need more time to resolve these charges and/or create a different approach to selling the property. ( my father is deceased, but XXXX ). ( I feel I was taken advantage of at the time I was transferred from conventional approval.. ( .closing of XX/XX/XXXX ) to FHA eligible.. ( closing of XX/XX/XXXX XXXX Mortgage Loan Identification : XXXX XXXX XXXX Loan # XXXX XXXX XXXX XXXX XXXX. 
XXXX, IN XXXX XXXX Attachments : Copy of XXXX contract submitted by H.U.D. contractor ( XXXX ) Payoff transmittal form dd XXXX/XXXX/XXXX Complaint to Wells Fargo Complaint Department dd XXXX/XXXX/XXXX Correspondence to Sr. Vice President XXXX XXXX dd XXXX/XXXX/XXXX ( XXXX office assistant responded via telephone XXXX/XXXX/XXXX, XXXX ) Document from XXXX detailing personal home owners insurance premiums paid by home owner not Wells Fargo Accumulated interest breakdown ( from Wells Fargo ) ... forth coming via fax and/or email XX/XX/XXXX correspondence to my attorneys of XX/XX/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 2016-06-10
Company: WELLS FARGO & COMPANY
State: TX
Product: Credit card
Issue: Rewards

Complaint:
I received a letter on XXXX XXXX that was dated from XXXX XXXX from Wells Fargo. It stated, " we reviewed and found an unusual volume of purchases and/or payments made using this card. '' And it continued to say, " if it continues beyond the receipt of this notice we will close your account and your rewards balance will be forfeited. '' I completely stopped using the card altogether. At this point, I had {$3500.00} in rewards that were earned during this billing cycle and I did not want to risk losing them so I did not use the card again. My credit card balance was more than {$24000.00} at this time with a total limit of {$25000.00}. I was basically maxed out and absolutely needed to make a payment so I did not risk adverse action from other creditors if I allowed the total balance of {$24000.00} to report on my credit reports. So I made a payment to get the balance down and this payment was the only activity on the card after receiving the letter. 

Wells Fargo closed my account anyway and I received a letter dated XXXX that stated, " per the warning notice we sent, we closed your account on XXXX. You can no longer make transactions with this account and your rewards balance has been forfeited '' Wells Fargo clawed back rewards that I earned legitimately after sending out a warning letter, to which I obeyed, and cited the warning letter as the reasoning behind the closure. 

I have read some of Wells Fargo 's responses to other complaints and Wells Fargo does not need to inform me that my CURRENT rewards balance is {$0.00}. I know that it is {$0.00} as of today. It was {$3500.00} before my account was closed and Wells Fargo forfeited them.

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 2016-05-04
Company: WELLS FARGO & COMPANY
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
my rent check is dated XXXX, my XXXX yr old land lord who lives XXXX, i live XXXX ... without my knowledge deposited said rent check on XXXX causing me an overdraft of {$35.00}, money i do not have ... knowing my social security check would not be deposited until XXXX, in essense i was set up to fail! upon calling WF, they offered me a {$8.00} refund. how can anyone survive when the system is so rigged for us to fail? what good is a date if it 's not honored? also i think this is perhaps the 1st time this has happened in XXXX yrs with WF ... and they treat me this way, where is common sense and customer care? very disappointed and {$35.00} poorer ... thnx WF for having your customers back

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 2015-12-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NE
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
This matter involves credit card debt with Capital One Bank which was referred to XXXX XXXX for collections. Capital One Bank had my correct address as bills were sent monthly to me. Once this was referred to XXXX XXXX they used an old address where I have not resided for years. When this was sent to the old address it was opened by the occupant at that address who in turned contacted me about the letter, debt and what it was about. This resulted in great embarrassment and XXXX. There was no reason for this to happen and I believe that corrective actions need to be taken, including fines and damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DE
Product: Credit card
Issue: Privacy

Complaint:
Capital One ( XXXX ) called my cell phone and home phone several times since XXXX XXXX, 2016 looking for a relative with a credit card situation. I do not and have not done business with Capital One and want the calls stopped. I consider this to be harassment. My home phone and cell phone are unlisted numbers but Capital One acquired my information. 
Caller name : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI
Product: Credit card
Issue: Other

Complaint:
Hello, I 've made repeated attempts to contact Capital One regarding the overbearing amount charged in interest on my credit card. It is currently at 24.99 %. So, if I make a monthly payment of {$200.00}, the amount of interest charged is {$100.00}. I 've asked, both on the phone and in writing, to have my interest lowered as Capital One is contributing to the balance owed. They said it could n't be done. I 've asked for supervisors to speak to. They 've told me that they ca n't " just go and lower the interest because I ask ''. It does n't follow their protocol. I 've also asked for a detailed analysis of the account as to what old balances are remaining compared to new, assuming that when a payment is made, it 's applied to the oldest balance first, XXXX. I believe that the customer service folks at Capital One have no idea what XXXX is, as they would go back to the previous statement and see if there were product charges, then the next, and the next, which is not what I 'm asking for. I 'm looking for a report showing where and how my monthly payments are being applied, of whatever remains after they snatch interest away. 
This appears to me to be legalized loansharking, and someone needs to put a stop to this. Their idea of a late payment is XXXX made on the day which the payment is due after XXXX XXXX. Is n't the payment, by law, supposed to be processed on the date it 's made? They ca n't " update their system '' after XXXX on weekdays?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

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 2015-08-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card
Issue: Billing disputes

Complaint:
Capitol One account # XXXX was a secured credit card account, started with a {$1500.00} deposit pushed up to {$2000.00}. Capitol One never applied deposit to amount owed on account and now have posted it as a charge off for the full amount and sold the account. But Capitol One still has account security deposit. That in itself makes the credit inquiry false and also is fraud. 

I contacted company and they could not tell me any information saying account was sold.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Credit card
Issue: Late fee

Complaint:
I just purchased a new home and with this transition we had our internet disconnected so we never received our emails on a daily basis. Due to my move I never received a statement or notification regarding past payments. On XXXX XXXX we were reported as late on my credit. We have never been late since I opened this account in XXXX. This late payment is affecting my credit and I would like it deleted from all XXXX credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-08
Company: JPMORGAN CHASE & CO.
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Chase issued a XXXX cancellation of debt in 2014, which I included in my taxes for the year. Chase continues to report the full balance owed on my credit report. I have written back and forth with Chase even to ascertain whether some settlement could be reached, I was denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-27
Company: WELLS FARGO & COMPANY
State: TX
Product: Credit card
Issue: Late fee

Complaint:
I am fuming over this. I had a Dillards American Express for years from back when I worked there, they paid us on it. Anyway, unfortunately I kept a balance on it until XX/XX/XXXX when they closed my account over late payments. I paid it off after that and did n't worry about it, until I went to my credit report and saw they marked me as XXXX late payments and closed my account, hitting my credit score hard. I then went back though some of my statements in XX/XX/XXXX, and I saw they charged me : Mind you, my payment was due on the seventh of each month XX/XX/2016, {$25.00} late fee, when I paid on XXXX XX/XX/2016, {$35.00} late fee, paid XX/XX/XXXX XX/XX/2016, {$35.00} late fee, paid XX/XX/XXXX I called them after I researched it and they said in 7-10 business days I 'd have a check for the {$95.00} total. I waited, nothing. I called last week, they said 1-2 more days, I waited, I called tonight ( I work XXXX ) and they said it was just getting to research since they 'could n't see the fees ' and that I should call them in a week. I contacted my credit agency and filed a change for the late fees, and it was resolved.

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 2017-02-01
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
They are mixng my name with my dad. His name is XXXX and my name is XXXX. They are also mixing my address with my dad. My XXXX lived before XXXX, XXXX, NJ XXXX. I have never live there before. My XXXX now lives XXXX, XXXX, fl XXXX. 
I live now at XXXX XXXX, fl XXXX Before that Live at XXXX, XXXX, fl XXXX before that XXXX NJ XXXX. 
Please Help me fix this problem. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01
Company: U.S. BANCORP
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Received letter from US Bank dated XX/XX/22, but of course it did not arrive until about one week later. 

Letter is attached, stating " Please be advised that we have elected to close your deposit account with us. '' Local branch is still open and has no clue. Normal deposits and they see nothing out of ordinary. 

US Bank has given a mere 10 days from date of letter, this is way to short and under time pressure to change autopays and deposits. I notified social security today and that can not update until XXXX payment, so appears my XXXX Social Security payment for my wife and I will bounce back and have some follow up to do on this. In addition, lucky for us our tax refunds posted, or bigger issue to have those bounced by US bank. 

Pretty poor notice and NO REASON. I feel there is discrimination of some kind as well as possible corporate abuse for closing accounts with poor notification timing to give customer time to change banks. Luckily we have another one to map over accounts, but even more pain if did not have another bank. These banks really have to be more conscious of consumers instead of their abusive language and unilateral terms to do whatever they want cause their terms say they can. 

I have attached most recent history for review. 

I am really concerned as no reason given in letter and local branch has no clue. It appears coming from corporate cost cutters- and super short notice which can cause many consumer major headaches for a Bank 's apparent unilateral terms 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 explanation
Consumer complaint received 2016-04-13
Company: Platinum Holdings Group, LLC
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This company continues to call my place of business stating that they are going to serve me papers and I do not owe them any monies. They have spoke with my employer and she has asked them not to call the office any more and they continue to leave messages and harass me. They threaten to embarrass me in front of my coworkers.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-25
Company: JPMORGAN CHASE & CO.
State: LA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Chase wrongfully closed my checking and savings account due to " unusual activity. '' I deposited XXXX checks that I believe may be the reason they closed my accounts. The XXXX checks were : ( 1 ) {$1900.00} issued upon cancelling my insurance from XXXX XXXX XXXX XXXX, and ( 2 ) a {$6900.00} cashier 's check from XXXX Bank as payment for consulting work I did for a contractor installing medical equipment. XXXX checks should be valid. My statements showed the checks were cashed on XXXX XXXX 2015. A letter from Chase, dated XXXX XXXX 2015, instructed that my accounts would be closed because of either unusual activity or because Chase had not received certain information from me. The letter instructs that they will verify all deposits and payments and then take another 10 days to issue my funds back to me. 

I am a retiree and need those funds. I did not find out about the closure until I went into a branch and the teller informed me. 

I tried calling the number provided in the Chase letter, XXXX, but they kept forwarding me and putting me on hold until I gave up. I made several attempts. I consulted with a legal assistance attorney at the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXXXXXXXXXX XXXX who called the same number for me. But Chase refused to speak with him or I because I consulted with an attorney. Chase refused to provide him with their written policy. 

I do not have the contact information for the contractor who hired me and who gave me the cashier 's check. 

My statements, the letter, and the checks will be attached. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-16
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Bank account or service
Sub-product: Savings account
Issue: Account opening, closing, or management

Complaint:
As a customer of JP Morgan Chase Bank, I have an existing checking account that is in active status. I opened the account with my foreign passport in 2007. 
I was trying to open another account with my US driver 's license and my SSN info. I was rejected by the branch banker. The banker required my passport according to Chase internal policies based on " Know your customer '' regulations. 
I asked what 's the exact term in " Know your customer '' regulation is this internal policy based on, the banker was not able to provide this information. Later she escalated this case to Chase compliance office. 
I received calls from the compliance offer later the same day, the representative called me was not able to provide the name of the law or regulation that this internal policy is based on. Later I received calls and letters from Chase executive office with the same response. 
The only information I have received so far is Deposit Account Agreement ( DAA ), in which states " For a personal account : your name ; residential address ; date of birth ; and Social Security Number, driver 's license of other identifying documents. '' My request : I would like Chase Bank to disclose what 's the name and the exact term of the regulation or law that requires Chase to check passport ( given that I provided the same info years ago ). 
I would like Chase Bank to revise DAA to make it explicit what are " other documents '' and under what circumstances should such documents be required. Also the language is ambiguous because " or other documents '' implies identities before " or '' are sufficient and " other documents '' are only required when all these identities are not provided by customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I REQUEST MY FREE ANNUAL CREDIT REPORT FROM XXXX AND I PUT ALL MY INFORMATION AND AT THE FINAL STEP WHEN I DESIRE VIEW AND PRINT IT THE PAGE DID NOT GIVE NOTHING, I ENTER AGAIN AND THEY SAID ME THAT I ALREADY HAVE RECEIVED MY CREDIT REPORT AND NOW I SHOULD BE PAID FOR A COPY. 
PLEASE, HELP ME

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-28
Company: Clarity Services
State: TX
Product: Payday loan
Issue: Received a loan I didn't apply for

Complaint:
On Monday XXXX XXXX, 2016, I received an alert from my credit monitoring company XXXX XXXX, informing me that XXXX credit reports were taken out on me today : XXXX from XXXX XXXX and XXXX from Clarity Services Inc. I set up a Credit Fraud Alert with XXXX on Monday, XXXX XXXX, 2016 immediately.I filed a complaint with CFPB about the XXXX XXXX incident ( Case number : XXXX ) and i got that one stopped. I learned from my XXXX Fraud agent on Wed, XXXX XXXX, that Clarity Services is a third party that pulled my credit report in response to an online loan application filed in my name with a company called XXXX XXXX. I have never heard of XXXX XXXX and did not make this application. I called XXXX XXXX directly ( XXXX ) and informed them that this was fraudulent. They told me that they would stop the loan process and send the application to their fraud department. Then, on XXXX XXXX I got another email alert from my credit reporting company telling me that Clarity Services had again pulled a second credit report on me. I do not know if Clarity Services once again did this for XXXX Loans or for a different entity. However, I have not applied for any loan or credit anywhere in XXXX or XXXX 2016 so any application now is fraudulent.

Company response to consumer: Closed with explanation