BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-01-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO
Product: Credit card
Issue: Billing disputes

Complaint:
I had multiple unknown fraud charges applied to my credit card in XXXX of 2016. These charges were out of character of our spending habits Our Capital One Mastercard did not notify us of any unusual activity. Which they have in the past for much less. I caught it by checking my credit card statement before it was sent out. I notified the XXXX XXXX. The day I caught it. I canceled the card, immediately ordered a new one. They continued to charge my card with pending fraud charged even though they had been alerted. They removed many of the charges but then reapplied some them in XXXX even though Myself or my husband did not authorize any of the charges. We have been a customer with this crdit card for 22 years. We pay our bills on time and spend thousands of dollars through them yet they have failed to protect us in this one incident.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-11-30
Company: Netspend Corporation
State: TX
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
The company Netspend promised if I used there services I would have my XXXX check deposited 2 days early. They have continually failed. My rent is due today. They will not reply to my inquiries of why they are not depositing my XXXX check I was directed here by the Texas attorney general could you please investigate why they failed to do as they said.Thank You, XXXX XXXX my phone number is XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-06
Company: Direct Capital
State: WI
Product: Debt collection
Sub-product: Payday loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
I took out a payday loan that was eventually included in my bankruptcy back in 2011. Since then, every 6 months I get a batch of phone calls from a new company who purchased this bad debt and sold it to another that does the same and so on. This latest company, Direct Capital/XXXX, has had it for some time and is relentless in their phone calls. Even worse, they are calling my parents who tell them I do n't live there but it does n't deter them from calling. I have actually spoke with various representatives and explained my situation, gave case numbers, etc. and many have 'found ' my bankruptcy and assured the calls would stop within days. They do n't. I contacted my bankruptcy lawyer who says to use the words 'harassment ' when dealing with them, as this is what it is at this point, but yet the calls continue. My parents are looking to me for a solution, for which I have none. Worse yet, the number they leave, XXXX says they are unable to answer at this time ... and never are.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-05
Company: Nelnet, Inc.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
On XX/XX/2017 I reached out to Nelnet regarding an extension for my Income Based Repayment Plan because I had yet to receive my W-2 's. The representative informed me that this information was not due until XXXX and I had " plenty of time ''. I then asked her to notate my account of this " due date '' and she did. Today, XX/XX/2017 I called Nelnet and requested the IBR form and the rep. informed me that the form was due tomorrow and that I have been " kicked off '' IBR and that I would face capitalization of my accrued interest of the past year and that would be applied to my principal balance. She acknowledged that a rep had written an XXXX due date on my account and that this was incorrect information given to me by this representative. Since she would not assist me after I was provided incorrect information by her colleague, I asked to speak to a manager. I was transferred to XXXX who stated that my IBR form was not due tomorrow, but due last month. He also acknowledged the XXXX due date notated on my account and also acknowledged that I was given an incorrect due date however would not assist me. In fact, I am being penalized. I am now being Capitalized on my interest, in the amount of {$2300.00}, toward my principal balance. Both representatives are acknowledging that another agent gave me that information and are still penalizing me for acting on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-24
Company: Netspend Corporation
State: VA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I was sent an unsolicited debit card with an account already authorized in my name for which I did not apply for, request, nor agree to. The financial institution associated with it is trying to defraud me by opening an account in my name without my permission. It is either an attempt to steal money from me or steal my identity. The bank is NetSpend which is owned by XXXX, which is owned by XXXX XXXX XXXX in association with XXXX XXXX Bank and XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-22
Company: Southwest Credit Systems, L.P.
State: NY
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I began taking control of my financial matters and pulled my credit report. After careful review it was determined that I had been a victim of identity theft. Listed on my report was a collection charge in the amount of {$1700.00}. Immediately I contacted XXXX to inquire about the said charges and any details that could be shared. As it turns out I 've never lived in the state of CT at anytime in my life at either address that XXXX csr provided. Secondly I contacted the credit collection agency as well, informing them of the fraudulent activity. The collection agency indicated the would send a investigative packet out to me to complete. I did offer them a copy of my lease which clearly indicates my residence for the ladt 8 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
Company: WELLS FARGO & COMPANY
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
In XXXX, Wells Fargo froze my checking accounts for no valid reason without notice. I could not fix the problem over the phone as they refused to help. 

As a XXXX person with low visibilty, I was forced to get a ride and go into a Wells Fargo location to deal with the issue. I was at that location for 6 hours to get the account unfrozen. I live in pain and this was more than difficult for me. 

Well Fargo never told my why the account was frozen for no reason. 

Only six months after finally unfreezing my account, Wells Fargo closed my account without any notice in XX/XX/XXXX. I once again had to get a ride to go to the local branch in person to get my money out and they made it very difficult and it took another 7 hours. I was forced to spend a week as a XXXX person to open a new account elsewhere for my direct deposits for XXXX. 

Again they did not tell me why they closed the account. 

I am aware the XXXX has levied XXXX XXXX for many fraud activities by Wells Fargo for freezing and closing accounts for no reason. 

I called Wells Fargo today and they refuse to file this claim.

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 2015-10-21
Company: Empowerment Ventures, LLC
State: NC
Product: Prepaid card
Sub-product: Payroll card
Issue: Adding money

Complaint:
Made a deposit on friday XXXX/XXXX/2015 it has not loaded to my account my direcr deposit was loaded to my acct card reflecta XXXX balance cant get no help from Rushcard

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-23
Company: Southwest Credit Systems, L.P.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I cancelled internet service with XXXX XXXX XXXX. Per their own instructions and mailing label they provided via email, I returned the router as requested. Per the tracking number from said mailing label, it shows when I mailed back the router to XXXX XXXX XXXX. XXXX XXXX XXXX kept billing me for the router in the amount of $ XXXX but whenever I called XXXX & XXXX to advise that I had already mailed back the router, the representative would not assist with closing the account properly. XXXX XXXX XXXX now sent the amount to collections. I responded to the collection company with a copy of the print out from the U.S. Postal service showing that the router had been mailed back. The collection company is now claiming that through their " investigation '' that I still owe the claimed amount. This has also been reported to credit reporting agencies that I am in collections which resulted in loan applications being declined.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-05
Company: Netspend Corporation
State: IL
Product: Prepaid card
Sub-product: Government benefit payment card
Issue: Unauthorized transactions/trans. issues

Complaint:
After 10 business days after filing my claim with Netspend they determined that there were " No Errors " The claim was for XXXX spent while I was incapacitated and the card was not in my possession and I provided proof to XXXX . I find it impossible to make a determination I 'm 10 days, I feel that the problem is the amount of the claim, that they have a problem with, after several attempts to call them, I get hung up on or am on hold for 10 minutes or more and have even talked to someone in the corporate office and they have even made notes on my account that Ithey spoke with me on XXXX/XXXX/2016, when in fact they did not.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-27
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
On XX/XX/XXXX I submitted a soft pull prequalification inquiry through several lenders, one of those being OneMain. When submitting the prequalification at OneMain.com, there was a disclaimer that stated " THIS WILL NOT HURT YOUR CREDIT SCORE '' next to the accept button. There was verbiage further down the screen that stated this was a soft pull as well.

After hitting the button to " GET STARTED '', I was presented with a pre-approval for {$10000.00} secured, for which I have nothing to secure the loan and do not want to entertain a secured loan anyways. I did not want to proceed. There was a button to continue that warned that a hard inquiry would be performed if I accepted. I closed the screen. I then got notification that my credit had been pulled as a hard pull. I gave no authorization to perform a hard inquiry. I am being very careful about inquiries and giving access to my full file, and I am very conscientious about only working with soft pulls until I am prequalified.

I called OneMain and asked that the inquiry be removed, giving the benefit of the doubt that this was a glitch. I was advised that it would be removed by the back office team. I was then emailed by OneMain and asked to submit a written request to remove the inquiry. I submitted that request via email, and included a screenshot of the SOFT PULL screen that was still on their website. I received a denial letter in the mail, stating that OneMain had permissible purpose. 

This behavior has already been addressed in XXXX v. XXXX XXXX, XX/XX/XXXX. It is not good business practice to advertise a soft pull, use that as a marketing tactic ( see if you qualify without hurting your credit ), perform a hard pull without authorization, and then claim to have authorization. 

Please promptly remove the inquiry from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-06
Company: Business & Professional Collection Service Inc
State: TN
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have disputed these charges and disputed these charges. they still will not take off the debt and most of the hospital bills are paid off in fact we are suing them for over payment.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-16
Company: Blakely-Witt and Associates, Inc.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I contacted XXXX at the XXXX first and asked for a copy of the lease agreement and an invoice or documentation of the charges they claim that I owe them. The gentlemen stated to me that he was unable to send me a copy of my lease because they no longer had a hard copy due to it being 6 yrs ago. He said he could only provide me a bill of what I owe but it would n't be an invoice or documentation ( whatever that means ) He said I owed {$500.00} but my credit report is showing {$530.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-01
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Bank account or service
Sub-product: (CD) Certificate of deposit
Issue: Account opening, closing, or management

Complaint:
After an IRA CD matured, Citizens Bank associates, advised my XXXX year old grandmother to deposit the money into her checking account instead of opening a money market IRA account. This caused her over {$4000.00} in taxes, about 1/4 of the worth of the CD. When I called to speak to the manager he was unapologetic and lied saying he personally helped her, when in fact, a female by the name of XXXX helped her. I 'd like Citizens Bank to pay my grandmother the taxes she had to pay, she does not have many assets and this tax bill was an extremely large payment for her to make. I understand that the bank can not give specific tax advice, but they can and should advise clients to seek the advice of a CPA or Accountant before making a transaction such as this one.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-11
Company: Big Picture Loans, LLC
State: NE
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
Filed for a loan over the phone which I understood to have an interest rate of approx % 100. Did the loan over the phone - after the process was complete I received information and realized the loan was for APPROX % 800 Company is taking {$350.00} every two weeks from my account - ( which is overdrawn now ) If loan is payed according to present schedule It will take me nearly four years and approx {$9000.00}. 

I am willing to pay back the loan with a fair amount of interest but this is excessive.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-15
Company: Big Picture Loans, LLC
State: WA
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
I applied for a {$1000.00} loan and was aware of the {$350.00} finance charge. I was not aware of 900 % interest. I also was not given the truth in lending disclosure until after my loan was approved.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-17
Company: ERC
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Enhanced Recovery Corporation for XXXX XXXX XXXX is charging {$150.00} and {$36.00} for a debt which is not mine. I dealt with both through letters and telephone calls. XXXX I provided documentation that proved that the account could not be mine. I worked with XXXX XXXX XXXX identity theft section and provided all the information and documentation they requested. 

These XXXX collection accounts are having a negative impact on my credit history.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-20
Company: M&T BANK CORPORATION
State: PA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
In XXXX of 2016 my vehicle was total lost in a not a fault accident. Shortly thereafter my primary insurance carrier settled the claim. I made the last up to date payment on or about XX/XX/2016. On XX/XX/2016 I made a new car purchase from the same dealership that I have been dealing with for the past 7 years starting at a zero balance. I had additional Gap insurance to cover residual debt in the event of a total lost situation. to my surprise I discovered that the unregulated out of state insurance company out of Florida breached the standing contract with me! this caused the lender to charge off the debt to my credit report which I disputed, and I provided all the necessary documentation to this affect. The lender write off the debt, but reported that I was suppose to continue to make the monthly payment to them on the loan. All XXXX bureaus were contact both before the charge off, and after the charge off in writing in a escalated dispute. however XXXX XXXX has refused to adhere by removing inaccurate information regarding my dispute with 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 2016-12-06
Company: Credit Bureau Services, LLC
State: GA
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have disputed accounts # XXXX, XXXX with Credit Bureau Services on XXXX/XXXX/2016 and sent my dispute certified mail requesting validation of this debt. Credit Bureau Services failed to provide me with a copy of any viable evidence, bearing my signature. A second certified letter was sent XXXX/XXXX/2016 and I have not heard back from Credit Bureau Services, They are now out of compliance with the FRCA. I 'm sure we would both like to handle this outside of court, so all I ask is that you remove this listing from all the credit bureaus. If you refuse, I will take legal action.

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 2015-09-18
Company: M&T BANK CORPORATION
State: NY
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
Recently I learned of a problem with our XXXX 2015 car payment. The loan is serviced through M & T bank out of XXXX NY. The problem they say is that I did not make it. Normally I make the payment in my local branch and call it in. For XX/XX/XXXX I went in and took care of the payment at my local branch office Normally I go to the branch and have them take the payment from my checking. In XX/XX/XXXX I made my payment over the phone still unaware that there was a problem with XXXX 2015 payment with a live person. Shortly after making my XXXX payment my spouse told me she received a message from the bank about this loan. Knowing I was current I did not call them back until XXXX/XXXX/15. Per this call I was advised there was nothing wrong and even talked about a pay off amount because the vehicle is all most played off. Going forward thinking everything was fine on XXXX/XXXX/15 we received a letter dated XXXX/XXXX/15 stating a problem with our payment and account. I called the bank quickly and learned they did not have XXXX 2015 payment. Shocked as I was I advised that I would check my checking account statement and ended call. After review of my XXXX 2015 statement it was clear the payment was not taken from the checking account. I returned a call back to the bank on XXXX/XXXX/15 and learned they have applied my XX/XX/XXXX payment to XX/XX/XXXX and have applied XXXX late fee 's for {$56.00} dollars. I explained that the account has never been late and I was not sure what happened with the XX/XX/XXXX payment. I also agreed to get it made up. I requested them to remove both late fee 's due to them not telling me when making my XXXX 2015 payment over the phone there customer service rep failed to explain my XX/XX/XXXX payment was getting applied to XXXX 2015 payment. I explained this was wrong for them to do without telling me and also advised on XXXX/XXXX/15 was told everything was fine. They admit no wrong and could see it noted on the account I called on XXXX/XXXX/15. M & T refused to remove both fee 's. I feel I have been treated unfair and unjust. The bank mistreated me because they did not inform me of the problem when making my XXXX 2015 payment I incurred a XXXX late fee 's. The Supervisor that I spoke with on XXXX/XXXX/15 admits they are not responsible for miss-informing me on XXXX/XXXX/15 everything was fine. I have the name and employee ID of the Supervisor that refused to remove both late fee 's

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-04
Company: ERC
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
CFPB File XXXX was filed regarding unlawful collection practices by : Enhanced Recovery Company, LLCXXXX XXXX XXXX, Florida XXXXIn their response to the CFPB complaint, in an excerpt of the company 's representative response was as follows : " Additionally our agency has submitted a deletion request will all credit reporting agencies with the account and our office. The confirmation of this request is XXXX. '' This document is attached. 

However, as of this date ( XXXX XXXX, 2015 ), the credit reporting agencies continue to report this matter on my credit files. 

As there are XXXX Credit Reporting Agencies, and Enhanced Recovery Company gave only XXXX confirmation number in their response, it seems there is a willful and malicious attempt to deceive both the CFPB and myself. 

In order to remove the report from each of the XXXX credit reporting agencies, XXXX confirmation numbers would be required. These files can be removed immediately without delay by a company that wishes to remove them. The Credit Reporting Agencies simply report the information reported to them and are required by the FCRA to immediately remove any information as directed by the firm that files the erroneous, or wrong report. 

I am asking that the CFPB impose sanctions on Enhanced Recovery for their deceit in removing the file as they indicated in their correspondence regarding the above listed file.

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