BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-22
Company: WELLS FARGO & COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I hope this letter will educate that its past the time for scripts in business. been with wells fargo many years this checking account originally had no charge for blue plain checks al i want and i have to fight to get it i keep getting scripted to death. i want the checks free like it was with world savings and was a perk to the crown as i am grandfatheed in with my account ending in XXXX not only do i owe money to mortgage right now but would not pay regardless. i want the checks free please. one order without a scrpts no throwing things in my face. do the right thing. i cant take the scripts or the stress. one check order free please.

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 2019-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
This account doesn't belong to me. Please remove it.

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 2020-03-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
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:
Capital one late payment. 

I have tried multiple times through the last 4 years to contact Capital One Bank via the telephone and in writing to explain my only late payment with them back in XX/XX/XXXX. 

I purchased and moved in to my new home from a contingency buy in XX/XX/XXXX. During that time, I misplaced my bills during the move and at the time did not have auto pay so I missed my payment in XX/XX/XXXX. 

I explained all of this to them and have since set up auto pay in addition to opening a new credit card with them in XX/XX/XXXX, which also has auto pay set up. Yet Capital One still will not delete this only late payment on my credit report. 

I am asking that you can assist me in having this removed because I was still in the process of getting my XXXX kids situated in schools and I started a new second job that XX/XX/XXXX. Any assistance will be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I recently financed a new vehicle and was aware of the companies would pull my credit report. However, there multiple inquires from companies that I did not authorize to make matters worse some companies have more than one inquire. Which has negatively impacted my credit score.

Furthermore, there are inquires from creditors that I did not authorize to put a inquire on my credit report and again some have multiple inquires.

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 2020-04-16
Company: Bread Financial Holdings, Inc.
State: VA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I opened an Ann Taylor credit card several years ago. I had not used it in a couple of years when I used it in XXXX. Because I had not used it in years, the bank who issued the card, Comenity Bank, did not have my current address. 

They began calling me several times a day in XX/XX/XXXX. I spoke with a man there in XXXX and he explained I recently used the card and did not make my payment. I asked him why I had not received a bill. We realized they did not have my latest address. I updated my address with him and asked him to send me the bill and I would pay it. I also closed the account that day. 

In XX/XX/XXXX I began receiving several phone calls a day from Comenity Bank again. I asked why they had not sent me a bill yet. I did not receive an answer but was told to pay the balance of {$190.00}. 

Since I had the account information in my online bank settings, I paid the balance and thought I was done. Even though I still had not received a bill. I paid this balance on XX/XX/XXXX. 

In late XX/XX/XXXX I started receiving five phone calls a day from Comenity Bank, these calls would interrupt me in work meetings several times a day, I would receive phone calls late into the evening and all throughout the weekends. A message was never left in my voicemail. I did not know what it was about since I had paid the balance off and closed the account. 

I answered the call one day on a Sunday when I had received several calls throughout the weekend. When I answered it, I was told by a recorded voice to call back during business hours Monday through Friday. 

On XX/XX/XXXX, I answered another one of the calls. A woman told me I had a balance due. she asked for my address, which I gave her and she confirmed she had the correct address. I asked why she has not sent me any bills when I have been asking for a bill since XX/XX/XXXX. She said she could not tell me anything further unless I provided my social security number and date of birth. I told her I would not provide my PII on a recorded line and that she called me. She said she could not continue the call unless I gave her my PII. She hung up.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-12-11
Company: Experian Information Solutions Inc.
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I recently complained to XXXX XXXX about their misinformation via customer service phone number. After not resolving the issue they offered me lower APR which I declined, told them to close my account out. My balance was paid in full {$250.00}. for have the proof below and I can send bank statements. I disputed with Experian about the wrong information and credit one still has that I owe {$250.00} and the account is open.

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 2019-12-11
Company: EQUIFAX, 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 noticed a bankruptcy charge off account on my credit file early last year and Ive since then have been disputing this account with the 3 major credit bureaus XXXX has verified the account a a fraud account and since then has removed this account entirely off my file but XXXX has been giving me the hardest time to do the same I honestly believe hat they do not even try to verify the account the just go off previous notes and make their decision based off of that For example I filed a dispute over the phone with them yesterday regarding the fraud account and with in hours the results where ready verified as mine .. I contacted the court and they verified that no one reached out to them and the notifications they had none where from XXXX pertaining my file! How did they verify it was mine?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-18
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I attempted to transfer {$1100.00} from my external non USAA account ( XXXX ) and {$100.00} was placed on hold without warning or cause. Now USAA states they can not reverse or stop this.

I understand this hold may be based on a few variables ; this limit is determined by the system and is based on the 3-month average balance of all accounts in the relationship. However, I can not fathom why only a small fraction ( {$100.00} held out of {$11000.00} ) I am confused to why only {$100.00} was held, why is that? Accurately and thoroughly explain the funds availability schedule, why funds were not available ( Delayed ), and when the funds will be available. 

This is my XXXX account, which I pay my USAA Auto Insurance through as an ACH auto debit every month. I also have transferred from this external account ( XXXX ) before many times, not this amount but nevertheless I have made EFTs from here before. Working for a bank we do have exceptions processing unit, or the electronic transfers unit that can assist with placing a stop on the transfer or merely not accepting it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16
Company: Navient Solutions, LLC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Navient is reporting 13 separate student loans on one account to the credit bureaus who use their information to compute credit scores based on proprietary formulas using several factors including but not limited to the number of accounts, payment amounts, number of late payments, etc. The problem with Navient is in consideration of the following : -Navient won't accept payments less than the combined minimum payment amount for all 13 loans, treating them as one account but reporting them as 13 accounts, -Navient allows borrowers to direct overpayments, meaning any additional payment made over the  combined minimum for all loans is able to be designated to pay down certain particular loans, but Navient does not allow borrowers to direct underpayments, meaning if I can only afford to pay some of the 13 loans instead of the combined minimum payments on all of the loans on the account then it gets reported to the credit bureaus as 13 late payments instead of one or however many the loan payments I could not afford to pay on time which adversely and untruthfully affects my credit report multiple times, -Navient should accept payment of less the combined minimums off all loans on the account, allow borrowers to direct the underpayments as it allows borrowers to direct overpayments, and report truthfully to or instruct the credit bureaus in the manner in which multiple loans on one account are treated so the penalties for late payments are not unfairly multiplied against the borrower, and -Navient should be held accountable to some extent for their servicing and reporting errors, mishandling of account information ( misleading reporting practices ), the negative financial impact it has had on the student loan borrowers, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-01
Company: Portfolio America Asset Management, LLC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
CLAIMING I OWE AN {$450.00} AMOUNT BUT HAVE FAILED TO PROVIDE DOCUMENTATION OF ANY LEGAL CONTRACT WITH MY SIGNATURE. 
I SENT DISPUTES WITH THE BUREAUS AND THEM DIRECTLY AND HAVE FAILED TO PROVIDE DOCUMENTATION.

Company response to consumer: Untimely response
Consumer complaint received 2015-12-22
Company: Blackhawk Network Holdings Inc.
State: CA
Product: Prepaid card
Sub-product: Gift or merchant card
Issue: Managing, opening, or closing account

Complaint:
This T-Mobile card was advertised with various benefits for T-Mobile wireless customers. However, they were unable to verify my identity as a T-Mobile wireless customer despite many attempts. I am not told which information does not match up. Just that the " system '' can not verify my identity and that I should check " Public records '' to make sure everything is correct. Then I am told that if I want a refund of the amount on the card, then I would have to pay a check-issue fee. Otherwise, I can use the card as a gift card ( as a non-T-Mobile wireless customer ) with various fees attached to the card.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16
Company: Paypal Holdings, Inc
State: KS
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other service problem

Complaint:
paypal is refusing me service based on my race, ethnicity and origin. In XXXX I tried to add money to my paypal account and the transaction was not allowed by paypal. so I called paypal the same day and asked why my attempt to add {$500.00} using the add cash at a store feature via XXXX. the customer service rep, whom was not in the US, stated we flagged your account because XXXX people in the US normally don't send as much money as you have recently. In response, I said I wanted to speak to a supervisor in the US and was refused. Today, I again tried to add money at a XXXX and the transaction was not honored. Paypal outsources its customer service to foreign countries which agents make racist remarks and engages in practices that are aimed at depriving US citizens access to its services based on an individuals race. For the last 30 days I have tried to add money to my paypal account at a XXXX and paypal has refused my transactions atleast 15 times, including today XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-14
Company: NAVY FEDERAL CREDIT UNION
State: MD
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I made a deposit in my savings account at a Navy Federal Credit Union ATM. I went to withdraw some money from my account a few days later at the ATM and the transaction was denied. The receipt read, " do not honor. '' So, I called the credit union to find out what was going on. I was told by customer service that after reviewing my account, nothing was wrong. Later, I attempted to make a withdrawal again and the transaction was denied again. I called back to customer service a second time. I was told that my account was frozen because of fraud. I had to ask what felt like 10 times, what fraud had occurred exactly? Only after becoming irate, I was told that a {$1700.00} deposit was the issue. Last time I checked, I 'm free to deposit and withdraw MY money as I see fit. Since when did deposits become fraudelent??? The rep. tried to dismiss me by saying the individual who had done this to my account was off so, nothing could be done. I escalated the situation to a manager who refused to give unique identifiable information about herself, like her name. She told me I needed to go to a branch to show identification. I told her I WILL NOT be doing that. She thought she could remedy the situation by rationing my own money to me and offering to XXXX XXXX me {$500.00}. I vehemently declined. I told her what she could do was remove whatever block is on my account so I can access MY funds the way I see fit because there is nothing fraudulent about a {$1700.00} deposit that was made at an NFCU branch ATM WITH a card AND pin # that I am confirming I completed! She refused. In another attempt to resolve this matter, I called back to speak with someone from the board and all that information was denied. At this point, I have been unable to access my money for almost a month, which has forced me to have to borrow cash to cover the basic necessities of life. If this is not resolved expeditiously, I will file a lawsuit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
XX/XX/2019 I contacted chase bank informing them I was in a hardship. The house we were renting was tested for black mold and due to the positive results the city deemed it not livable. At that time I made the call to chase I was currant on my payments. My intention was to get lower payments moving forward or even No payments for a short period. We were living in a hotel at that point and would not be able to move back into the home until our landlord fixed the issue, I had documents to prove I was going through a hardship if needed. Unfortunately chase would not help me. I sat on the phone for over an hour they keep escalating the call to different representatives. None of which gave me any advice or options. Needless to say I fell behind and my account was closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
As part of our home refinance, we received information from XXXX XXXX that XXXX XXXX had reported an outstanding balance on our account of $ XXXX report appears on my Equifax Credit Report This is not correct as we have an account which requires us to pay monthly for electricity produced by the solar panels. In conversation with XXXX Customer Service, i was told that this amount is the amount I would pay if I cancelled the account. The amount is not paid monthly although the report from XXXX showed a {$3.00} per month payment for 190 months. The monthly bill we pay is only for electricity used and is in good standing as it is paid by direct deduction from my checking account. 
One person at XXXX mentioned that they could remove the amount so I could get the refinance ; however in one week I have had no reply from XXXX to my repeated inquires. 
In summary there is no billing or payment for the {$23000.00} This figure is an internal figure carried by XXXX that is not a current obligation and should be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-16
Company: CCS Financial Services, Inc.
State: MD
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:
On XX/XX/XXXX I sent a faxed copy of a XXXX letter to credit collection services to confirm dates of XXXX due to items from XXXX XXXX in MY report. I also reported then to BBB. On XX/XX/XXXX, u spoke with XXXX stating they received my document but nothing will be removed from my reports until a vehicle history report us submitted. My XXXX letter should be valid enough to confirm the dates of these accounts which they refuse to acknowledge. According to FCRA, if the validation if the accounts are not accurate they must be removed. Section 609 : : : validate nor verify. They refuse to do such.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Hello, like most people, I lost my work due to the coronavirus, and have been contacting my credit card companies -- Chase and XXXX XXXX XXXX -- for support. I have very good credit, and by support I mean I asked them to extend my 0 % interest rate for a few months, so I could continue to make payments but lower than what I had been so I could pay my dues without getting deeper in the whole. 

I tried calling the company for assistance, but you can't get through to a person. They keep directing people to online support, and the only option is to defer your payments and continue with high interest. This doesn't help. I tried sending a secured message but others who have tried said they were turned down. 

The banks are acting like they are helping customers with three deferred payments due to the coronavirus, BUT most -- like these banks -- are still charging high interest on the balance and profiting off of people who are suffering. Even the government is lowering interest to 0 % during the crisis. The banks should be called upon to do that too.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-04
Company: WELLS FARGO & COMPANY
State: MN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
We received a mailing offering a HARP loan conversion for our conventional 15 year mortgage with Wells Fargo. After getting this notice we called the loan agent listed and made an appointment to discuss an application. The mailing stated that no appraisal was needed and the loan could be provided with no costs. A credit report would be ordered and if that was adequate a refinance from 5.65 % to 2.75 % would be granted. Since we were XXXX and our income had dropped substantially we were told we did qualify for the program. Then after a period of time we were notified by the agent that they changed the terms, that an appraisal was needed, and we paid {$790.00}, an inflated price for the appraisal. Then we were informed that the agent was required to visit our home and make an inspection. After several years of perfect payment history, credit reports with XXXX plus scores, we were then told the Wells Fargo wanted us to make a conventional application with the usual closing costs. This was strictly a bait and switch. Two years after making the application we were sent a letter saying we did not comply.

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