BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-11-12
Company: WELLS FARGO & COMPANY
State: TX
Product: Credit card
Issue: Late fee

Complaint:
Hold on to hat, this is good one. 

The credit card companies have figuered out that their best payors, ( those payors who pay their credit cards online the day they become available ) can be hit with late fees by stating that their payments were processed in the previous month 's cycle. XXXX XXXX XXXX hit me with it about 4 months ago and my Wells Fargo credit card online statement which showed up today has started the fradulant fee process as well. 

For clarity I will explain the process as it rolled out on my Wells Fargo account. The exact process occurred on my XXXX XXXX XXXX credit card during the months of XXXX, XXXX and XXXX of this year. 

On XXXX/XXXX/16 I accessed my online Wells Fargo credit card account to pay my credit card new month 's bill. The date of XXXX was the first day this information became available and the online account screen had my new balance with added interest fees and the minimum payment due listed ( {$80.00} ). I processed a payment of {$82.00} that day. I always pay my credit cards the first day they are available to pay. 

Now satisfied I have paid the current month I no longer access the account online until the next month becomes due. 

This morning ( XXXX/XXXX/16 ) I access my Wells Fargo account online and my minimum payment due has jumped from {$80.00} due to {$180.00} due. Also, I notice my interest fees have increased by about {$30.00} ( from around {$42.00} per month to around now {$68.00} ) I call Wells Fargo to find out what the deal is and am told that my previous month 's payment ( in XXXX ) was processed before the closing date of the XXXX statement and that payment made was structured as an extra payment for XXXX EVEN THOUGH online it gave me a new balance for the XXXX statement, new due date, and minimum due for the next month. 

Essentially the credit card companies are screwing their best payors who do not scrutinize their balance but just pay it immediately. The credit card companies have figuered out that the number of people who catch the fees and complain are far less than those who simply pay without checking. 

This has class action written all over 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 monetary relief
Consumer complaint received 2016-09-12
Company: WELLS FARGO & COMPANY
State: NC
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Deposits and withdrawals

Complaint:
Wells Fargo had opened and activated a credit card, attached it to XXXX checking account as overdraft protection, and issued XXXX cash advances along with transfer fees, overdraft fees, and of course interest. I had made XXXX transfer of funds from one account to another where I pay my bills. These XXXX different transfers were backed out and cash advances were then issued on a credit card that was attached to my account without my knowledge or permission. I still receive paper bills for any credit cards I have and when I received the Wells Fargo credit card bill, I thought I was a victim of ID fraud. I called the credit card group and they made me feel that I was breaking the law. Little did I know they were trying to steal my money! This occurred within the last 90 days.

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 2017-03-29
Company: Navient Solutions, LLC.
State: GA
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 HAD A STUDENT LOAN FROM AN XXXX SCHOOL MORE THAN 28 YRS AGO. AT THE TIME, I REALLY DID N'T KNOW WHAT I WAS SIGNING BECAUSE I WAS LIKE XXXX OR XXXX AND HAD JUST HAD A BABY SO I STARTED THIS XXXX SCHOOL. WELL I ENDED UP XXXX AGAIN A FEW MONTHS AFTER AND EVENTUALLY NEVER GOT THE CHANCE TO FINISH THE SCHOOLING. YEARS LATER, THIS ENDED UP ON MY CREDIT AND WAS A MAJOR PART IN DESTROYING MY CREDIT. SO I FINALLY, NOT WANTING TO AT ALL, ENDED UP FILING FOR BANKRUPTCY, THINKING THAT IT WOULD EVENTUALLY GET RID OF THE DEBT ALONG WITH THE OTHERS. WELL AFTER COMPLETING AND GETTING DISCHARGED FROM BANKRUPTCY, THE LETTERS AND THE NUMEROUS AMOUNTS OF PHONE CALLS STARTED COMING AGAIN FROM THIS AGENCY CALLED NAVIENTS. INITIALLY, I WAS TELLING THEM THAT I HAD NO IDEA OF THIS DEBT BECAUSE I 'D NEVER HAD A LOAN WITH A COMPANY CALLED NAVIENT. WELL, THEY KEPT CALLING AND CALLING THREATENING ME ABOUT THIS DEBT. A COUPLE OF YEARS LATER, A COMPANY CALLED XXXX STARTED CALLING AND HARRASSING ME ABOUT THIS SAME DEBT, EXCEPT THAT NOW IT WAS MORE THAN 4 TIMES THE AMOUNT OF THE ORIGINAL LOAN WHICH WAS ONLY ABOUT {$2200.00}. WELL, THAT COMPANY INTERCEPTED MY TAXES AND IT CREATED A DEFINITE HARDSHIP FOR ME AND MY FAMILY AS I HAD JUST LOST MY OLDEST CHILD AND ONLY SON TO XXXX. I HAD TO BORROW MONEY FROM FRIENDS AND FAMILY JUST FOR HIS BURIAL. I WAS OUT OF WORK FOR WEEKS BECAUSE I COULD NOT FUNCTION. GOT BEHIND ON SEVERAL BILLS AND MAINLY MY RENT SO I WAS EVICTED BUT A FRIEND HAD A PROPERTY NO ONE WAS LIVING IN, SO HE LET US STAY THERE. I HAVE XXXX OTHER DAUGHTERS, MY SICK ELDERLY MOTHER AND MY GRAND DAUGHTER, WHO IS MY SONS OLDEST CHILD. HE HAS XXXX. AFTER THAT, I SET UP PAYMENT ARRANGEMENTS WITH XXXX AND COMPLETED THE REHAB PROGRAM THROUGH THEM. I DID NOT KNOW THAT THIS {$2200.00} LOAN HAD BEEN SOLD TO XXXX COLLECTIONS AGENCIES. THEREFORE, THE AMOUNT OF THE LOAN HAS QUADRUPLED TO MORE THAN {$8000.00}. AFTER THE LOAN CAME OUT OF DEFAULT, DUE TO THE REHAB PROGRAM, IT IS NOW BACK IN NAVIENTS HANDS AND THE PAYMENT PROGRAM THAT THEY ESTABLISHED IS WELL MORE THAN I CAN POSSIBLY AFFORD AND WOULD CREATE AND UNNECESSARY HARDSHIP ON ME AND MY FAMILY ONCE AGAIN. TO TRY TO EVEN PAY IT OFF WOULD BE MUCH WORSE BECAUSE NOW AFTER ALL THE OUTRAGEOUS FEES AND CHARGES, THEY ARE SAYING I WOULD END UP PAYING OVER {$12000.00} FOR A {$2000.00} LOAN. I WROTE THEM AND ASKED IF WE COULD COME TO A PAY OFF AGREEMENT FOR A PERCENTAGE OF THE ORIGINAL AMOUNT OF THE LOAN AND THEY DECLINED MY OFFER, WHICH IS WHY I AM WRITING TO YOU. I GET XXXX AS A VETERAN AND I 'M BARELY MAKING ENDS MEET WITH MY FAMILY AS IS. AS I STATED, THIS LOAN IS ALMOST 30 YEARS OLD AND TRYING TO PAY THIS OFF WOULD BE NEARLY IMPOSSIBLE. AND THEY ARE DESTROYING MY CREDIT IN THE PROCESS, EVEN AFTER BANKRUPTCY. CAN YOU ALL PLEASE HELP?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-30
Company: Genesis Lending
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I believe I have Genesis loans from XXXX Colleges and would like to know if they are included in the CFPB settlement. I attended XXXX College in XXXX, from XX/XX/XXXX to XX/XX/XXXX.

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 2016-03-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
XXXX XXXX XXXX XXXX XXXX this balance was for equipment used. This equipment was returned!!! yet never corrected after relocating and closing account.

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 2021-11-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
I've tried reporting this information to credit bureaus that the information is incorrect and there should be no collections or balance. Please update and remove from my account! 

XXXX XXXX XXXXXXXX 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 2021-11-24
Company: CITIBANK, N.A.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
I have wire transferred {$1000.00} to my own account on XXXX XXXX but I have chosen the wrong bank from the options Citibank provided. Then I called Citibank to recall the money on XXXX XXXX and they said they'll recall the money and I'll get my money back within XXXX weeks. I kept following up with them in the past XXXX month and they were unable to provide any information to me. Like what's the difficulties and why it's take so long, they just ask me to wait. Now it's already XXXX months and they still don't have a timeframe for me to get my money back which makes no sense. Please help me to get my money back. Thank you!

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 2015-07-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
Tran Union ; Have adress on my credit file as XXXX XXXX I 've never live there. Claim i have or had a home loan I do not nor a mortage.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-05
Company: JPMORGAN CHASE & CO.
State: CA
Product: Bank account or service
Sub-product: Cashing a check without an account
Issue: Deposits and withdrawals

Complaint:
I deposited our son XXXX state and federal income tax checks into my chase liquid bank account, because he asked me to do him the favor of cashing his checks for him because he is in the XXXX. And they blocked and closed my account ending in XXXX. So I asked them why they were doing it and they said that they did n't have to tell me anything. So I asked them to please just give me our son XXXX checks back and they said that they were going to deposit them into my account, and I told them that I thought that they just closed my account. And then I told them that they ca n't just rob me without a XXXX for our son XXXX money like that, and they said that they could do whatever they want and I ca n't do anything about it. They even blocked me out of my phone app for chase. I ca n't even log in to see if my money is there any more. I had to get embarrassed at work because I had to notify them that they ca n't straight deposit my pay now. They already verified my final deposits and payments, and they still have n't sent me the remaining balance along with a final closure notification. Please help me resolve this issue? Thank you kindly ...

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-28
Company: AES/PHEAA
State: IN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
Have been attempting to transition my student loans which are under the Federal Loan Forgiveness Program transitioned to a different Income Based Repayment Plan since XX/XX/XXXX. Since then they have been charging greater than the discretionary 10 % of income set by the federal government, persistently not processing my application, and continually showing my account past due. Thus in order to protect my credit I persistently call and continue to make payments. I 've been keeping records of phone calls over the past couple of months with employee names and ID # 's. At this point seems they are not willing to transition my loans to the desired Income Based Repayment Plan, which I thought was against the law as these are federal loans? This has now placed XXXX, XXXX, and negatively affecting not only my credit but my ability to provide for my family as we transition from one state to the next for my upcoming XXXX in XXXX. I desire to pay my loans! I desire to pay them off early! Though in the meantime I need a loan provider who is not going to charge me more than the federally allotted discretionary income of 10 % and be willing to transition my loans into a qualified repayment plan as I desire. 

This complaint, written on XX/XX/XXXX at XXXX Eastern time zone, is being filed with todays documented conversation with Fedloan Servicing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-18
Company: Convergent Resources, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Convergent and XXXX XXXX XXXX continues to place me in collections for debts that are not mine. The are now claiming that I owe XXXX XXXX XXXX for an XXXX XXXX XXXX XXXX debt, and I have never done business with XXXX XXXX XXXX XXXX. When submitting a dispute with Convergence or XXXX, the do n't provide proof. They send a letter stating that it has been verified, but no proof accompanies the letter. When I dispute a debt with the various credit reporting agencies, Convergence turns things over to XXXX or XXXX of their other companies or, visa versa. At this time, Convergence is trying to collect for XXXX. This is a never ending, vicious cycle and it has been going on for years. At this time the collection company contacting me is Convergence Outsourcing , Inc. XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX. The Client Account # that they assigned is XXXX. I am formally disputing this debt. I pray that they do n't send it to another XXXX of their many companies in an attempt to continue hassling me, in an attempt to get me to pay a debt that is not mine, just to make them go away, or so that they do n't ruin my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-24
Company: Southern Credit Recovery, Inc.
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! 

THIS IS NOT MY DEBT! 

I WANT THIS ACCOUNT REMOVED FROM MY CREDIT REPORT AND THIS COMPANY TO STOP CONTACTING ME IMMEDIATELY!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03
Company: NCB Management Services Inc.
State: IA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I reviewed my Credit report and discovered an account in collections. I only found this because I received a notice from a different debt collector for the exact amount of money. as the debt on my credit report. I had previously disputed this with 2 of the Credit Bureaus and had not been informed of the results. I was not provided with verification of how this process was completed. or given any of the information related to the unknown debt other than the debt collectors name. I attempted to file a second dispute on-line and was not allowed to do so. If i don't get the needed results by filing this complaint I may have to file a complaint on the Credit Bureau for denying me the right to dispute and not following up on my request to send documentation of the investigation to me..

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-02
Company: WELLS FARGO & COMPANY
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I received a short sale approval to sell my home where Wells Fargo is the servicer and HUD/FHA is the investor of the loan. The approval letter was issued on XXXX/XXXX/16 and valid through XXXX/XXXX/16. I advised my negotiator that I would need a minimum of 45 days to close the file since the buyer has applied for a TRID loan which requires a mandatory 45 days to close. The Wells Fargo negotiator assured me this would n't be a problem and that I could request the extension when I was assigned a closer for the file. I requested an extension on XXXX through the closer and was quickly told that the request was declined. The closer told me that if the buyer could n't close by XXXX/XXXX/16 I was out of luck and the file would be closed and the that I would have to start the short sale process all over again. I went on to open a case for help through the Wells Fargo Customer Care Department where I was quickly called to say once again that I was out of luck. When I called HUD/FHA I was told that the I had until XXXX XXXX to close since this is the day the ATP ( Approval to Participate Letter ) from HUD/FHA expires. I told this to my Wells Fargo closer and was told sorry she could n't do anything. I then contacted the area assistant VP for Wells Fargo who said he was going to request a variance through HUD/FHA on XX/XX/XXXX. It is now XXXX/XXXX/16 and I still have not heard from back from him since. I 've left several emails and voicemail message for him and have not received a response.

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 2016-02-04
Company: WELLS FARGO & COMPANY
State: NY
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
I bought some furniture from XXXX furniture and I was about to pay the whole balance upfront as I had the money at that time. 
But the sales person insisted to open the credit card with zero interest for 12 months. So I have applied for the credit card. He has mentioned that I have to pay interest if I will not pay off the balance in 12 months. He did not tell that if I do n't pay the balance on the whole amount of the furniture. 

So I paid off {$2400.00} in 12 months and remaining balance was {$1000.00}. Now they have charged me interest charges of almost {$900.00} saying that its accrue interest on the whole balance. According to the customer service, that is written in terms and condition that accrue interest will be charged.However, when we opened the account sales guy did not mention a word about the accrue interest.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-11-30
Company: I.Q. DATA INTERNATIONAL, INC.
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I contacted IQ DATA INTERNATIONAL IN in regards to bill on my credit report for the XXXX XXXX XXXX XXXX XXXX. While I did stay at the XXXX XXXX XXXX XXXX, in missouri a landlord has 30 days to send an itmized list of damages and the amount. MO Rev Stat 535.300. the  XXXX XXXX XXXX XXXX neither contacted me about the amount nor gave me a list of any damages and i am disputing this debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
A creditor must be reporting my current address as the house I lived at over a year ago. Each time that previous address gets updated, I have to file a dispute with Transunion to get them to change it back to my correct address. I contacted Transunion initially in XXXX to simply ask them who the creditor was, so that I could get that creditor to update the info. They told me they did not know who it was. Given the plethora of electronic information available, I believe that they simply are not interested in going through the process to find me the answer. When they told me they did n't know, I asked for a supervisor, who sent me a letter dated XXXX/XXXX/16 that he told me would have the info I needed. It did not-and I 'm sure he knew it before he sent it. After the issue happening again more than once in the last week or XXXX, I called again today, XXXX/XXXX/16. I was given the same answers, except this time I asked for the supervisor 's supervisor, who is located in the US. Not surprisingly, they disconnected the call before I talked to anyone in the US. Hence, I am turning to you for 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 2023-04-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KS
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:
On XX/XX/XXXX I received a call at around XXXX XXXX from someone who said he was XXXX XXXX Bank of America in credit card services. I was with family so did not answer. A recording was left. He stated that if he could not get me on the phone he would put a " security hold '' on a BOA credit card they had issued in my name and to call them right away. So on Monday XX/XX/XXXX I called BOA and talked to XXXX in their Fraud Dept. He asked me some questions and stated the person who applied for the BOA credit card said she was a XXXX. I have never been nor am I now a XXXX. This person used my credentials except for the addres which they used at XXXX XXXX XXXX XXXX, PA... I told him this was a bogus address and I have never even visited Pennsylvania nor do I know anyone or have not ever lived at that address. He said he would take care of it and make sure and let the CRA '' XXXX ( XXXX, XXXX, XXXX ) know and make sure it comes off my reports. He did not. It is still showing as an address along with a BOA Credit card for {$11000.00} on my credit report. This is wrong. I have informed XXXX and sent a police report as I had the Officer listen to the recording. I have also filed a complaint with the FTC stating Identity Theft and will attach it to this info. Bank of America still has not removed this " bogus '' information from my credit reports even though I have requested a letter promising they would. I have not received one. I have spent hours and hours on the phone trying to resolve this.

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