BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-04-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
Car Dealer persuaded me to take a loan with Capital One Auto Finance for a lower rate. I received information in the mail, but have been unable to pay the bill. There online bill payment says that I am locked out. My wife and I have spent over XXXX hours attempting to resolve this on their web site and on the phone with their customer service. We have reset passwords and we are not able to pay our bill. This has been going on for a week. It is not reasonable for a loan company to make it so difficult to pay the bill. I have been trying to pay the bill early. Imagine the people who wait and try to pay the bill at the last minute. The company has limited hours to help with these problems. Their web sit does not allow you to reset a pin ( if the web site did work which it does not ). When you contact their service representative, he is insulting and unhelpful. He implies it is your fault for not being able to use their system properly. Capital One sends information about how easy it is to pay your bill, but their system is not usable. There is no way to pay your bill. I have just now received a letter from them that we can pay be online, by phone, and by mail. I was told by the customer service rep that I could not pay by phone until the system was set up. It looks like I am suppose to pay by mail as my only option. I do not have any confidence that they will correctly process my mail payment. So I guess I need to use certified mail which adds expense that exceeds the amount of money that I was suppose to save using their loan. I can not express to you how strongly I feel that this is an unethical company.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-08
Company: WELLS FARGO & COMPANY
State: DE
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
Wells Fargo is refusing to use existing info sent them in connection with the Estate of my Aunt, XXXX and her Stock Account # XXXX. On XX/XX/2017 I sat with W.F. representative XXXX, at XXXX, DE Office, who helped me fill paperwork for Stock ( XXXX. ) sale ( XXXX ), valued at about $ XXXX.Included were Letter of Administration proving Estate establishment, an IRS Employee #, proof of existing Stock Certificate issued by her employee, XXXX , XXXX Medallion Stamps from my bank WSFS, and proper/necessary W.F. Forms. They all were mailed, by courier, that day to W.F. Shareowner Services. On XX/XX/2017 I e-mailed W.F.S.S. and was subsequently told by their XXXX that material was incomplete and an entire new package must be resubmitted and further, nothing he had in hand could be reused. Also, he refused to let me speak with Dept head, XXXX. I wish for W.F.S.S. to allow me to complete their Forms, but use all other existing paperwork to complete transaction. My information is XXXX, XXXX XXXX., XXXX, DE XXXX, XXXX, XXXX. Product information is provided above, but I might add our relationship with W.F. extended over 25 years and at end was awful. Not only were we overcharged interest, which they had to refund, overcharged fees which they never refunded, but worst of all they refused to discuss, ( including today ) my wife 's, ( XXXX ) earned retirement fund for years of employment. W.F. refuses to make any long-term or lump-sum offer or any basis of calculation. This amounts to thousands of dollars they owe her.

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 2015-08-24
Company: CITIBANK, N.A.
State: CO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
We have been customers of CitiMortgage for ten plus years and our current mortgage and HELOC are both serviced through them. We had done a refinance approximately five years ago to obtain a lower rate and the process was seamless even though the industry had tightened up due to the housing market crash. Recently we decided to refinance again combining the current mortgage and HELOC and because of our history with CitiMortgage, we decided to go through them again. On XXXX XXXX, 2015, I called and spoke with XXXX XXXX and began the process. While there are several customer service issues with our attempt to refinance XXXX which l will not go into at this time ), the first and foremost complaint has to deal with our lock. We were locked in a rate of 4.375 %, receiving a credit of {$1100.00} expiring on XXXX XXXX, 2015. As of today XXXX XXXX, 2015, we still have not been contacted by CitiMortgage regarding our expired lock. In fact on XXXX XXXX, 2015 at XXXX, I had called our loan processor XXXX XXXX XXXX and advised her via voicemail ( she does not answer her phone and or return phone calls ) that XXXX and I have decided to withdraw our application. However XXXX XXXX had not checked her phone messages, but instead sent me an email stating that we were final approved and the closing department would call me in the next 48 hours to schedule a closing time. I in turn replied to her email stating how could we be final approved with an expired lock? XXXX XXXX XXXX replied that our lock had been extended. Here lies the problem, I am unclear as to how CitiMortgage can take the liberty to extend our lock without our consent especially since refinance mortgage rates have dropped to 4 % -4.125 % with no points? It seems to me that this would fall under the category of full disclosure to the borrower, which in this case appears to have been violated. In addition, with the " new '' lock expiration date our daily interest charge continues to accumulate, this again is a mortgage loan being serviced by CitiMortgage. 
We have paid our mortgage payments on time, and have been loyal customers of CitiMortgage, but this process has been a nightmare. I have had to put off applying for student loans ( I am in the process of earning my degree ) not to mention the time that has been taken to deal with this, something that could have been avoided had CitiMortgage communicated with us. CitiMortgage has taken advantage of us and we feel violated by their underhanded dealings. We are requesting they refund us our appraisal and credit fees as they did not do provide the services promised.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-07
Company: WELLS FARGO & COMPANY
State: AZ
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
We have been banking with Wells Fargo and had a no monthly fee account. When checking on line my husband noticed that a monthly fee of {$18.00} appeared on our savings/checking account. We had no noticeof this change. My husband contacted Wells Fargo by phone. He was told that they had changed our account to one that now carried a monthly fee. My husband was told that the bank was not required to inform us of this change. Now it was necessary to have a mortgage with Wells Fargo to have no monthly fee. My husband told them that this was unacceptable, we wanted a refund of the fee. Initially they said this was not possible. My husband asked to speak to a supervisor. After some delay, my husband was told that they would refund half of the fee, {$9.00}. My husband told them this was unacceptable, that the entire fee needed to be refunded. The contact person on the phone said, and this is a quote, " what 's the problem? It 's just {$9.00}. " Once again my husband said this was unacceptable and that the entire fee needed to be refunded. After more delay the supervisor came on the phone and said that the entire fee would be refunded since " we were such good customers. '' How many people who may not be routinely checking their accounts have not noticed this change? Apparently Wells Fargo believes it can steal money from its customers, that they are not required to inform customers of changes to, their accounts, that customers should willing to absorb half the fee since it 's such a small amount. Needless to say we will be changing banks. How much money has Wells Fargo made with this deceptive and dishonest practice?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
They keep charging me over draft fee and matiences fee when I use my account for direct deposit told them I lost my card but still charge my account then say wellyou cant close it because of a balances well you have to pay it. instead of crediting all my money they credit what they think I should have.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO
Product: Bank account or service
Sub-product: Savings account
Issue: Deposits and withdrawals

Complaint:
I put my money in XXXX XXXX XXXX XXXX. in XXXX XXXX, Mo., when XXXX XXXX was the president than he and my money was transferred to XXXX XXXX in XXXX XXXX Mo., where XXXX XXXX was also the Banks President. Now my money ( XXXX dollars ) and XXXX XXXX has disappeared. my name is XXXX XXXX XXXX and my address is 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 2022-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am a natural person, I am a living human being, I have rights under 15 USC 1681. 
Transunion is governed by 15 USC 1681. Pursuant to 18 USC ( 8 ). I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681B ( 2 ). This company has also no permission to report anything using my info pursuant to 15 USC 1681 ( 4 ) Remove these accounts : 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 2016-06-16
Company: CITIBANK, N.A.
State: KS
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Citi Gold Checking Account Promotion not honored. 
I had applied online for Citi Gold Checking account on XXXX/XXXX/2016. After that I did n't received my debit card for few days and so I called Citi bank on XXXX/XXXX/2016 requesting to expedite the delivery of debit card and same time I confirmed the promotion offer that I would be honor for opening new Citi Gold checking account. The name of customer representative was " XXXX '' and she mentioned that after making debit card purchase of {$1000.00} or more in 60 days and making atleast one bill payments for two consecutive months I would be receiving XXXX AAdvantage XXXX miles into my XXXX account after meeting the requirements. I have met the requirement for the promotion offer and now when I contacted Citi bank they refuse to honor the promotion. I would n't had mind if they would have informed be that I would n't qualify for promotion offer on XXXX/XXXX/2016 itself or at the time of application. But since I informed that I qualify for the promotion offer on XXXX/XXXX/2016 by XXXX so I think Citi Bank should honor the promotion offer.

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 2017-01-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I paid off a mortgage with Bank of America in full last week. When I called them yesterday regarding the {$910.00} and change balance in my escrow account I was informed that it was their policy to hold that money for 20 days in case there was any financial claim against the property for outstanding tax. I pointed out that the sale went through a title company who would not have issued title insurance if there were any outstanding claims against the property. I then suggested that if they were going to hold my money that maybe they should pay me interest on it, of course that was not an option, even though I pointed out that if I had {$910.00} of Bank of America 's money for 20 seconds let alone 20 days they would expect interest. They may have some legal loophole that allows them to do this but just because you can do something does n't mean you should. They are holding my money for no good reason other than they have found another way of ripping off the consumer.

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 2017-02-25
Company: WELLS FARGO & COMPANY
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I had a Wells Fargo Home Mortgage. 
I applied for a home mortgage modification around XX/XX/XXXX/XX/XX/XXXX Wells Fargo Changed my payment schedule And I payed It just as they had instructed me to do on the dates they told to. And now I find out that they reported me to the Credit Bureaus as ( 30 day late payments ) on on numerous occasions. 
The address of the house Mortgage is XXXX, Ga XXXX And Oh by the way, They never modified the mortgage at all.

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 2015-08-27
Company: CITIBANK, N.A.
State: FL
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
We have a Citi XXXX XXXX credit card and we received an email saying there was a message in our secure message center on citi.com. Upon logging in and reading it, Citi took it upon themselves to close our credit card account WITHOUT notifying us they were doing so. They said that " in our customers best interests, we do not notify them that we close their accounts ''. This is unacceptable. No other credit card company that we do business with does anything like this without notifying us first so that we can take the proper actions to prevent it. I tried to resolve this via their secure message center but they said that they can not reopen the account. These are predatory and unfair business practices.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-18
Company: CITIBANK, N.A.
State: IL
Product: Credit card
Issue: Billing disputes

Complaint:
I attended a presentation in XXXX, and the company ran my credit card for almost {$31000.00}. I did not authorize the charges. I revisited the merchant after seeing the charge, they provided me a letter stating they would refund my monies. this never occured. I called Citibank my card issuer, opened a fraud dispute at the customer service reps advice, heard nothing until XX/XX/XXXX where the case was closed as they stated this was not fraud it was billing dispute. I did speak with the investigator, she asked me to send in a notarized copy of the situation and then I opened the billing dispute. Weekly I have been contacting Citibank with no resolution, and this week they told me that too much time has elapsed and they could not assist me. there was not any moment I waited longer than 48 hours to return any documentation they asked for, and the initial charge back was open within 10 days of the charge. Since XX/XX/XXXX the merchant has disconnected their phones and removed website. I have asked the issue for arbitration, and they have told me I can not request arbitration on this issue as they need to open arbitration with the acquiring bank.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-14
Company: CITIBANK, N.A.
State: NY
Product: Credit card
Issue: Billing disputes

Complaint:
MACY 'S SENT US AN OVERDUE BILL FOR A BILL THAT WAS ALREADY PAID. THE NEW BILL HAD A {$25.00} LATE FEE & A {$2.00} INTEREST CHARGE. WE NEVERACCURE INTEREST. WE CALLED & PAID THE NEW BILL MINUS THE LATE FEEOVER THE PHONE. THEY WOULD NOT REMOVE THE INTEREST CHARGE. 
WE GOT PROOF OF PAYMENT FROM OUR BANK ON THE ORIGINAL CHARGE & HAVE FAXED IT TO MACY 'S PAYMENT RESEARCH & HAVE NOT HEARD FROM THEM. CALLED TODAY, & I WAS UPSET WITH THE HOLD TIME,XXXX, TOLDTHEM SO & I WAS HUNG UP ON.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-09-16
Company: CITIBANK, N.A.
State: TN
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
On XXXX/XXXX/2015 I purchased a washer and dryer on my Sears Credit card from the Sears in XXXX, TN. My purchase included the washer, dryer, washer hoses, dryer vent, dryer hose, stacking kit, delivery and installation. I was in the process of remodeling my laundry room, so I set the date of delivery for XXXX/XXXX/2015. On XXXX/XXXX/2015 XXXX deliverymen brought the hoses, vent, and cord, nothing else. After a call to the warehouse, the store, and the XXXX number, it seems someone rescheduled without informing me. Then it was later discovered that they did n't have the stacking kit. I proceeded to reach out to Sears again via phone and social media on XXXX/XXXX/2015 and finally managed to get the washer and dryer. I was informed I 'd have to make further arrangements to complete my order and installation ( setting up the appliances with the stacking kit ). I 've had no contact until I called the XXXX number today. First they tried to lead me to believe my order was complete. When I corrected the info, I was put on hold. The woman came back on and said my part was at the store and that I could call there. I have since called someone I believe to be the manager in the appliance dept, Sears at XXXX and explained what was going on. He has yet to call me back. I used my Sears card and have been making my payments on something that I purchased on an obligation that has not been fulfilled. I 've been fulfilling my end of the bargain by making my payments and would just like Sears to do the same by completing my order and installation. The run around I have received is ridiculous and their handling of my order has been unsatisfactory. I 'm hoping that maybe someone outside of Sears inner circle may be able to assist me in this matter.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I paid the XXXX 2 months of the car loan when I purchased the car. I then completed the form as instructed by the Bank of America to set up automatic payments on each month on the XXXX of the month. The bank denied this request and I had to seek resolution from a supervisor to get the direct payments authorized. I was not made aware of the problem for 2 months. When I learned of the issue I immediately paid for 2 months due AND 2 months forward. After speaking to a representative I was assured that this would NOT affect my credit report and was NOT on my account. 
This is NOT an error on my part and as a consumer I did exactly what the bank said to do when they said to do it and now my credit report is damaged and I am unable to get a home equity line of credit. The line of credit is required to pay for outstanding expenses related to XXXX XXXX and XXXX that have cost me thousands of dollars. 
As a result of this I am asking the bank and or credit bureaus to remove this information immediately. I have also retained a lawyer and would like your assistance to sue all parties that are involved with the negative rating and impact of my ability to secure the loan. I would like to get this resolved and if not then someone rather than the consumer who has and is acting in good faith. 
XXXX XXXX XXXX Bank Of America Auto loans.

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 2015-04-07
Company: CITIBANK, N.A.
State: VA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This has been an ongoing issue, however, today topped the cake. OneMain called me a total of XXXX times today and left XXXX messages. Additionally, my payment was made last week ( XXXX ) which was prior to my due date of XXXX. I feel as though this is an attempt to retaliate because of a CFPB complaint that was previously filed for an unrelated issue. This is not the XXXX time OneMain has called to collect on a debt prior to my due date. Nor is it the XXXX time they have called more than XXXX times in a day. I have even informed OneMain that their collection practices are illegal, however, they have disputed this with me and continue to attempt to collect illegally.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-01
Company: GOLDMAN SACHS BANK USA
State: CA
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:
the Apple card is showing charge off but yet it has balance which is a direct violation!! A charge off account should not have a balance please delete this immediately this is incorrect information you're broadcasting on my credit report which is illegal according to my privacy act 15 USC 1682

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Credit card
Issue: Billing disputes

Complaint:
I have submitted documentation to the credit bureau requesting that they validate this account that they claim belongs to me, with three attempts made on my behalf they have yet to submit an actual contract made between my self and Bank of America, Bank Of America has yet to show my any information with my name address or social security and something with my valid signature attached. they have updated my credit information with out any verification from me and with out authorization

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