BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-10-31
Company: TD BANK US HOLDING COMPANY
State: VA
Product: Credit card
Issue: Delinquent account

Complaint:
I had a Target Red Card credit card for over three years with an unblemished payment history. My statements were sent by e-mail and I would then pay online, always in full. Last XXXX, I did not receive a statement from Target. I do not remember the exact dates for all of my financial obligations and rely on statements from my creditors. Two months later, I received an e-mail from Target informing me they were turning me over to a collection agency. I called them and told them I wanted to pay the debt in full but also wanted to cancel the card because their statement system did not seem adequate ( i.e. no statements sent ) and I could n't take any chances with ruining my credit. They informed me that it was my responsibility to know when the bills were due and if I cancelled my care, I would never be able to get another one again. I told them that was fine, this was n't working for me, and I had other credit cards. I paid the card in full and owed nothing to Target. In XXXX of 2016, I applied for new car insurance because it was much cheaper. I was told that I would have to pay {$150.00} more for insurance because I had an entry on my credit card. I got a copy of my credit report, and for the first time in my adult life ( I 'm XXXX ), I had a bad credit report from Target. I am now also applying for XXXX jobs and have found out this can also affect my ability to get a job. Target does not have any customer service contacts for this issue as I do not have a Target Red Card anymore and you need a card number to log in into the customer service portal. There is no other mechanism for contacting them about this issue. My question is, if I paid them in full two months after the debt was due, why have they ruined my credit rating? This card has cost me far more than I ever saved by using it and now it is going to potentially impair my ability to get a job. I feel as if I 've committed a felony and I would like Target to resolve this ; I do n't owe them anything and they did n't have to pay anything to collect the debt. It just seems like sheer vindictiveness, which I think stems from my not wanting to use their card anymore. I hope you can help me or direct me to help at Target.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-30
Company: WELLS FARGO & COMPANY
State: NC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I am receiving letters from Wells Fargo stating that I have to raise my flood insurance coverage and has forced place coverage on my current property. I have called them several times. They have stated they will reach get in touch with my insurance company which they have not. In addition to the Wells is stating all my insurances must match, which my insurance agent has stated is false according to the according to NC law, they must be with XXXX % of each other which they currently are. Wells Fargo is trying to force place coverage on my property when it is not required on XXXX parts. One they do not have replace cost estimator from my insurance company. The issue according to my Insurance agent is the my policy is currently withing XXXX % of all my other policies which is within NC law. No one can confirm where they are coming up with the replacement cost coverage other than they must match. The only thing I have seen on file is appraisal which is under the required amount and my insurance agent has emailed me the replacement cost estimator. My problem with all of this is that the investor on the loan is XXXX XXXX which Wells is servicing the loan for and now we are told this is Wells Fargo 's rule not the investor. Frustrating that a bank is making up the rules when it should be insurance company and the state that is providing the coverage. In my opinion Wells should have asked a replacement cost estimator from the current Insurer instead of assuming coverage is not adequate. I am sure if we look closely that the additional charge for the additional insurance cost is a benefit to Wells Fargo in some financial way.

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 2015-11-10
Company: TMX Finance LLC
State: GA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
My brother was contacted and was told that if I didnot come pay my debt or bring the truck in that criminal charges would be taken. My brother was used as a reference but I NEVER gave permission to anyone to discuss my personal debt with family members. This is embarrassing and is a direct violation of Code 804 ( 2 ) and Code 805 ( 3 ) ( c ) in [ 15 USC 1692b ]. The last time I was contacted was XX/XX/XXXX. I told them where the vehicle was located and that 's the last time I heard from anyone until my brother told me about this incident today.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-28
Company: Renton Collections Inc.
State: WA
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
I called to make a payment, short version the man decided to tell me I had a attitude for asking questions. The manager was just as insufferable. The absolute worst people Ive ever had the displeasure of speaking with. These people ( that term used lightly ) behave as they are above you because you owe money. I actually find that funny as a majority of America has debt, that being besides the point they are awful miserable individuals who have no business working with people. I am in awe of this company in the worst way possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21
Company: EQUIFAX, INC.
State: VA
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 unverified accounts indicated below, continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the XXXX credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-25
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card
Issue: APR or interest rate

Complaint:
On XXXX XXXX, XXXX, we contacted Wells Fargo and spoke with XXXX to confirm the terms and conditions of an online balance transfer offer. XXXX advised us that since we had a {$10000.00} credit line on our business credit card, that we could transfer {$9800.00} to our checking account, and we would need to pay a one-time fee of 4 % of the balance transfer amount, up to a maximum of {$170.00}. XXXX further advised us that the balance transfer would have a 0 % promotional interest rate for 12 months. 
Agreeing to the above terms, we moved forward with the transfer, and were provided a reference code. 
Soon afterward, we received a letter from Wells Fargo dated XXXX/XXXX/XXXX, confirming the details of the transfer ; however, the letter omitted any information regarding the 0 % promotional rate that XXXX had advised us that we would receive. We assumed that everything was correct, because no other rate was disclosed or specified on the confirmation letter. 
On XXXX XXXX we reviewed our XXXX/XXXX/XXXX account statement, and we noticed that we were being incorrectly charged interest on the balance transfer at a $ 23.99 % cash advance rate. We immediately contacted Wells Fargo and spoke with XXXX, and we explained the situation to her. XXXX assured us that she would submit the paperwork right away to correct the cash advance to be reversed, and instead to be re-processed as a balance transfer with a promotional 0 % rate, as we had been advised by XXXX on XXXX. XXXX further assured us that the correction would be processed within seven to ten business days. 
We heard nothing else from Wells Fargo on the matter, so naturally we were led to assume that the correction had been completed as promised. Throughout the remainder of XXXX, we had automatic payments made every month from our checking account, and we had no reason to review the electronic statements in detail. 
On XXXX/XXXX/XXXX we prepared to pay off the promotional balance of what we assumed was the 0 % promotional rate, and we planned to do this prior to when the promotional rate was scheduled to end in XXXX. At that time, we noticed that Wells Fargo had not corrected the interest rate on the account as promised, and had instead charged us the incorrect cash advance rate of 23.99 % for a total of {$1900.00} in incorrect finance charges. 
On XXXX/XXXX/XXXX we notified XXXX, then XXXX, then XXXX as we were getting transferred from place to place and finally ending up at the Executive Offices, with a person who should have been able to correct this situation. However, instead of correcting the situation, XXXX dismissed the situation as our fault, and basically told us that there was nothing that she could do for us except to lower the rate for a few months from the 23.99 % cash advance rate, to the only slightly less ridiculous rate of 16.24 % for purchases.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: GREAT LAKES
State: IN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
I have XXXX Stafford Loans, original amounts of {$8600.00}, {$10000.00} and {$9500.00} - Total {$28000.00} - originating XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX. My current balance as of XX/XX/XXXX is {$30000.00}. 
My husband and I filed Chapter XXXX Bankruptcy XX/XX/XXXX due to having a very ill son ; we were in a 5-year XXXX repayment plan which ended XX/XX/XXXX. During these five years, the Indiana Trustee, through the XXXX XXXX XXXX, paid a total of {$19000.00} to the US Department of Education and XXXX XXXX XXXX ( now XXXX ). Great Lakes is now my service provider. I have provided proof of payment several times to Great Lakes only to be told that they do not show any payments being made to XXXX XXXX XXXX ( now XXXX ) in the amount of {$8600.00}. They do show some payments made to the XXXX XXXX XXXX XXXX, but not all of them approximately {$6000.00} although {$11000.00} was actually paid. 
After we were out of the bankruptcy, Great Lakes started demanding payments of $ XXXX/month. I called and explained that their figures were incorrect. After all of the payments made by the Indiana Bankruptcy XXXX, I should have a remaining balance of approximately {$8900.00} plus some interest. I have called Great Lakes, spoken to a Manager, sent proof of payments from the XXXX XXXX XXXX, written letters, including to the US Department of Education, searched the internet for assistance, etc. I am getting no where with these people. I have placed my loans in forbearance because I can not afford the $ XXXX/month payments, the loans will come due XX/XX/XXXX. I need help. I am XXXX years of age and will be retiring very soon, I was hoping to have this mess behind me before I retired. I am writing to you because I saw a news article about a law suit that the CFPB has filed against Navient for cheating millions of students. Let me know what I need to do. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-14
Company: TD BANK US HOLDING COMPANY
State: CA
Product: Credit card
Issue: Other fee

Complaint:
I have a Target Credit Card issued by TD bank. In XXXX XXXX 2015 the bank put a charge on my account - {$25.00} returned payment fee. I called to the bank 's customer service and explained that I believed that the fee was a result of the bank 's computer system error : in the previous month, XXXX, I logged into my account online and change the information for the payment account for my Target Credit card. The system informed me that the changes would take place starting the next month - XXXX. However, The next month the changes were not applied and the payment on my Target credit card was drawn from the old, incorrect account. That 's why the return payment happened. I explained that to the Bank 's customer service agents and requested a refund of {$25.00} fee. The first agent sounded incompetent - I requested to connect me with her supervisor. At first the agent refused saying that her supervisor had all the same information and could not help me better. After I insisted she put me on hold and I waited for about XXXX min, with no result. Finally I hang up and dialed TD bank 's customer service again. The next agent was more cooperative and transferred me to the supervisor sooner. The male supervisor spoke to me rather arrogant and said that the bank would not refund the fee. The whole communication with TD bank was just a hassle. And I still understand that the fee was charged unfairly.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-23
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
ALL CREDIT AGENCIES CONTINUE TO REPORT BANKRUPTCY XXXX TIMES ON FILE AND NOT MY ACCOUNTS, ALL INFORMATION OUTDATED SINCE 2005 AND ALL AGENCIES VIOLATES FCRA PROVISION XXXX, XXXX AND XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-14
Company: BB&T CORPORATION
State: VA
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
Was charged a {$50.00} return item fee by BB & T on a loan payment that is {$100.00} per month. I did make the error as I tried to make an electronic funds transfer however I incorrectly entered my account t number. There was plenty of money in the account and I a, 3 months paid in advance. It seems ludicrous that the bank can charge a fee at almost XXXX % of the payment and get away with 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 2015-05-04
Company: Receivables Performance Management, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Receivables Performance Management placed a negative report to all three collection bureaus for a past due XXXX XXXX XXXX account that does n't even belong to me. They never tried to contact me in advance through mail or telephone. I have contacted XXXX XXXX XXXX and they confirmed that I do not owe this money and never had any infractions with them in the past. In fact, I am still a customer in good standing with them under a completely different account number. I called this XXXX party agency and they could n't give me straight answers. I mistakenly gave them my birthday for confirmation but when asked for my address or last XXXX of social security, I asked what they had on file and it was incorrect. This has scam written all over it.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
There is a XXXX capital one credit card bill that isnt mine. I have explained this to the collection agency and the original creditor. This should not have been sent to collections in the first place. This isnt my debt

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-02
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I am a long time ( about 10 years ) mortgage customer with Wells Fargo. All of my mortgage payments were paid on time for more than the required amount. I moved to another state within the last couple of months. During the movement time a payment was missed for my mortgage. When I received notice from Wells Fargo, that is was late, it was already beyond the 30 days. So they reported me to the credit agencies. I paid it as soon as I received the notice. I also paid the late charge. Wells Fargo is refusing to consider removing the mark on my credit for this XXXX and only late payment. What makes it worse, is that it drops my credit score by XXXX points. Now making me not eligible for a mortgage loan. I would not think even Wells Fargo would intent to cause this much harm on my credit for XXXX late payment. 
The house is being sold this month. But I ca n't buy another house because of XXXX late payment. Please help!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-19
Company: NAVY FEDERAL CREDIT UNION
State: PA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
i was charged {$87.00} for return check fee. I spoke to a rep at Navy federal about the 1st {$29.00} fee. it was return on XX/XX/XXXX and then the company charge {$29.00} again. The rep stated the she would credit the fee back and never did. Now I have 2 more fees because the bank does not want to take the money from my other bank account. But the computer takes money when i have a bill to pay that belong to the bank.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-12-13
Company: JPMORGAN CHASE & CO.
State: MT
Product: Credit card
Issue: Transaction issue

Complaint:
On XXXX I submitted a Reg E dispute to Chase on a transaction that I did not make on XXXX. I had visited the store in question and made a purchase, I had a receipt for that purchase that was also on my statement, but disputed a transaction from the same merchant for {$61.00}. I had only made one purchase at that merchant that day. On XXXX XXXX they sent me a copy of the receipt sent to them by the merchant, saying it was a valid transaction. It may have been valid, but the receipt did not have my name, my signature or even my card number on it. I returned it saying it was not authorized by me. Today on XXXX I received their dispute resolution saying it was a valid transactions and the dispute is resolved..to my detriment! There reasoning -- my card was n't lost or stolen. I did not sign for this transaction, the receipt clearly indicates it was n't even my card, but the charge was posted to my bill. I 'm at a loss as to what steps needs to be taken, I can not understand how I can be charged when they can not provide a receipt with any of my pertinent information on it. I work for a bank and am very familiar with Reg E, I think both the resolution and the length of time it took to come to the wrong conclusion are way outside the intent of the regulation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-05-23
Company: NAVY FEDERAL CREDIT UNION
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
I filed for bankruptcy on XXXX 2014 and included everything debt that I had except for an auto loan I had with Navy Federal as I am the co-borrower on the account. I am still making on time payments on the account. Fast forward to this time, every credit bureau reports that the account is included in my bankruptcy which I and the attorney who filed did not include.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-30
Company: WELLS FARGO & COMPANY
State: FL
Product: Bank account or service
Sub-product: (CD) Certificate of deposit
Issue: Account opening, closing, or management

Complaint:
My brother, a XXXX veteran, died intestate on XXXX XXXX, 2015. I am XXXX of XXXX siblings, his only heirs. He lived in a XXXX XXXX XXXX in Texas. We hired a Texas attorney to file a Small Estate Affidavit. After a judge signed that, we sent a copy to his VA fiduciary. She ca n't access a CD she opened for my brother because Wells Fargo says the CD was not styled correctly. I have visited my Wells Fargo, who called their legal department, to no avail ; and our Texas attorney called the fiduciary 's bank and they wo n't help. The VA fiduciary has tried at her bank and they will not let her cash the CD to distribute the money. What can we do to get Wells Fargo to get the CD cashed and divide it XXXX ways to the heirs? Our attorney thinks the person at the bank who opened the CD for the VA fiduciary made a mistake. Should n't the bank correct its mistake? How can they withhold the money?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation