BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-15
Company: WELLS FARGO & COMPANY
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I took a student loan from Wells Fargo Bank for the amount of {$9000.00} dollars but I ended payment almost {$20000.00} dollars. The Wells Fargo constantly charged me late fee although, I paid electronically a week previously the due date. I wrote them several letter regarding this late fee but, I was ignored completely. Every year the amount of interest that I paid was between {$78000.00}, dollars, {$630.00}, {$480.00} {$450.00}, {$470.00} {$400.00}. My last paying for the loan Was {$5900.00} which I paid in full but, according to them the interest that I paid was {$290.00}. Furthermore I paid on interest {$990.00} and {$1000.00}, How it can be possible when all the interest paid was over {$3000.00}, I was unable to prepare my tax due to this scam. Wells Fargo is constantly, stealing from the customers the staff in the bank are very dishonest. I just on the rights amount that I paid in interest to be clear because I want to prepared my taxes.

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 2015-09-05
Company: CCS Financial Services, Inc.
State: PA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
I been in bankruptcy since 2009 and this debit is XXXX years old and collection calls XXXX time a day

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16
Company: SYNCHRONY FINANCIAL
State: AZ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I made a purchase of {$2800.00} on XXXX that was listed on XXXX as 24 months no interest if paid with Paypal credit. I would not have purchased this item at that price on less favorable terms. I have attached a printout of the screenshot from the checkout. Notice the payment terms are {$110.00} for 24 months, and total payments {$2800.00}. 

Paypal credit equal payment items were all at terms of no interest in the period of XXXX to XXXX. I have provided documentation of this. I was mistakenly charged interest of {$10.00} in XXXX, {$13.00} in XXXX, and {$13.00} in XXXX. I have provided statements documenting this. 

I've talked to Paypal credit CSR twice about having this keyed in their system correctly, and when I last spoke to them in XXXX they told me this item was keyed as 24 months no interest. This was never done. On XXXX I mailed a letter certified mail to the Paypal credit address where disputes are to be mailed. They did receive the letter. As of the statement dated XXXX I did not receive any attention to, or resolution of this issue.

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 2016-08-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Credit card
Issue: Unsolicited issuance of credit card

Complaint:
Capital One-I had an account with them years ago. I paid it off and asked them to close the account. They instead sent me a new one with an annual fee charge. I asked them remove that and close the account. They said they did-I had already cut up the card. Much later, I received a bill and it had XXXX charges on it. I did n't make those charges. I have sent them a registered letter and spoke to a few people. I get calls daily-I do n't answer them. I tried calling the fraud department and all they do is send me to collections.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
XXXX contacted my parents at XXXX one morning, if that was n't enough. This past Sunday my family tried to contact me on my cellular phone, XXXX though, but instead they reached XXXX. I called them directly and spoke with the XXXX, but he wanted to play XXXX about forwarding my phone directly to his company 's phone. I then contacted XXXX my phone carrier, but they acted oblivious to my inquiries on how this were to occur. I was very upset because I just renewed my contract on XX/XX/2017

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Attempted to/Collected exempt funds

Complaint:
I am being sued for credit card debt that I am unable to pay. I am XXXX and my sole income is judgment-proof SSI and Social Security, with no foreseeable change in my situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16
Company: CITIBANK, N.A.
State: AZ
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I entered a wire transfer online with CitiBank to transfer from my savings into an investment account with another institution. After 24 hours the wire was not processed and CitiBank sent me an email that they needed more information. I called and was on the phone with an agent for nearly an hour while she attempted to get the wire " authorized ''. She eventually said that it was now under review and would take 12 to 24 hours. I spoke to a supervisor and he also was unable to expedite or provide any explanation. After 24 hours ( 2 full business days later ) and still no further explanation or completion of the wire, and now into a weekend, I cancelled the wire online. The balance in my account now shows fully available online, however the CitiBank online site will not let me transfer my funds either into another CitiBank account of my own ( Checking ) nor through any other means. I have never had a financial institution hold a wire let alone take more than an hour to process, nor have I ever experienced blatantly holding funds and not releasing them without any explanation.

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 2017-09-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This complaint is submitted for consideration as I have not received a response to my recent letter reference erroneous entries contained within my consumer credit profile at the XXXX, XXXX and XXXX consumer reporting agencies. These entries as currently reported are erroneous in nature and otherwise injurious to my true credit worthiness. Prior to initiating litigation in the United States District Court for the XXXX XXXX of Florida, I once again request assistance. Should my complaint continue to be ignored, I will seek counsel and initiate litigation to compel correction of my consumer credit profile. 

Pursuant to the provisions contained within sections 1681i ( a ) ( 1 ) ( A ) and 1681i ( a ) ( 5 ) ( B ) ( i ) of the Fair Credit Reporting Act, I request that the below listed entries be investigated for accurateness and thereafter deleted from my consumer credit profile as they are erroneous in nature and otherwise injurious to my true credit worthiness. Since my last dispute, I have written to all collectors/creditors. Most of these creditors have responded favorably. Please investigate ALL of my concerns. 

1. ) Bank of America, account number XXXX ; 2. ) Bank of America, account number XXXX ; 3. ) XXXX XXXX XXXX, account number XXXX ; Please be reminded that pursuant to the provisions contained within section 1681i ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act, your agency has an affirmative responsibility to investigate my allegations. Furthermore, following deletion and/or correction of the erroneous entries, said information may not be reinserted in the file without a certification that said the information is complete and accurate.
Upon completion of the reinvestigation process, and pursuant to the provisions contained within section 1681g ( c ) ( 1 ) of the Fair Credit Reporting Act, I request a full and complete summary of rights with disclosure be provided for my records and review.
Your anticipated cooperation on this matter is appreciated. I look forward to hearing from your office within the next 30 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 2021-02-16
Company: Experian Information Solutions Inc.
State: CA
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:
not mine ive tried to remove and i do not have an account with them and it keeps adding to the amount and never removes i have disputed this multiple times

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 2016-01-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
This is XXXX of over XXXX cases that I have opened or filed with various legal organizations including the XXXX, XXXX XXXX XXXX XXXX XXXX, the XXXX XXXX Attorney, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Attorney, XXXX XXXX XXXX XXXX XXXX 'XXXX Prosecuting Attorney, XXXX XXXX 's XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX Police Department, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX 's Police Department, FBI, XXXX Police and the XXXX. 

Case Status Submitted to the XXXX XXXX XXXX XXXX on XXXX/XXXX/XXXX, ID XXXX On XXXX/XXXX/XXXX, received feedback from the XXXX, ID XXXX On XXXX/XXXX/XXXX reported to the XXXX On XXXX/XXXX/XXXX reported to the XXXX ; their response, posted below, was received on XXXX/XXXX/XXXX. 
On XXXX/XXXX/XXXX, submitted to the Office of the Comptroller of the Currency and the Consumer Financial Protection Bureau. 

Case : 1. Fraud Case Description 1. Fraud. I am a XXXX person living in XXXX. This past XXXX, due to my inability to make payments, I contacted Capital One 's customer support team to close my account, card number XXXX XXXX XXXX XXXX. After " closing '' my account I requested email confirmation of account closure, which they refused to provide. I asked to speak with their staff 's supervisor who also refused to send me an email confirming that my account was closed. I believe that they record these conversations. 

XXXX, I contacted their customer support team again, this time via chat, pasted below and attached. They confirmed that my account had been closed. 

Today, I checked my account online and discovered that my account is not closed but suspended and that Capital One is charging me over 22 % interest. 

Last week I contacted their support team again asking for a customer service email address that I could use to contact them. They never replied to my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT
Product: Credit card
Issue: Balance transfer

Complaint:
I recently set up a checking account with CapOne360. I deposted {$4000.00} into the the account. I received a message saying it would take a week before the funds would be available. Once the funds were finally availlable, I set up a wire transfer so that I could transfer funds into my personal checking account. I received a new message saying that I would take three business days to establish the new wire transfer account. Once the account was finally established after the three business days I attempted to make a transfer into the newly established account with the available funds and I received a new message saying that Cap One would hold the funds for an additional three days before the funds would be transferred to the new account. Is this legal? If it is, it should not be.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
I had signed up for " Payment proctection '' with Capital One for my credit card. I stopped paying due to financial issues and now they are suing me in XXXX XXXX Court. 
The payment protection add-on I paid for was described to be me as an insurance against a default. The company said I would be covered but they refused to honor their promise and now I 'm being sued.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-03
Company: EQUIFAX, INC.
State: CA
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:
I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

2. XXXX - Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

3. XXXX XXXX XXXX ( Original Creditor : 11 XXXX XXXX ) - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

4. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

5. XXXX - Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

6. XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

7. XXXX XXXX XXXX ( Original Creditor : XXXX SXXXX XXXX XXXX ) - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 



FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED XXXX 1. XXXX XXXX, XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 3. XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 4. CXXXX  on XX/XX/XXXX XXXX Reported Identity Theft ) 5. XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 6. XXXX on XX/XX/XXXX XXXX Reported Identity Theft )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Paypal closed my account for no reason and I will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them from them months but I just remembered I could file report on here as I feel they are not doing thier job properly and it is effecting me a great deal as I used Paypal quite frequently. I have money balance there..My email linked to my PayPal is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
Capital one have systematically changed unnecessary overdraft fees on account to delay components that are in volition of due process, denial ofmeaningful access to support programs, activities and services due as capital one withholding information that is being Altered and changed information of XXXX to illegally transfer exemptions value rule, modified endowment OF contract changing classification section XXXX, denying of grandfathering provisions, causing massive and major suffering on family economic resources as capital one continue to interfere by charges of unexplained and unnecessary overdraft fees causing hardship and economic losses

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-04
Company: ENOVA INTERNATIONAL, INC.
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
This loan was taken out due to fraud. Check my banking accounts I never got the loan deposited it my social security number was stolen and Ive had XXXX cases of fraud. This company is trying to turn this loan over to collections but it was never my loan to begin with

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-19
Company: 21ST MORTGAGE CORP.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
21st Mortgage bought our mortgage from XXXX. 21st Mortgage has created an overage account without my consent. I pay {$1000.00}, the payment is {$530.00}, but I pay an additional {$460.00} to be allocated to the principal amt. This is how it was done with XXXX. Instead of placing the XXXX in principal amt, 21st mortgage has created an overage acct. Also, 21st mortgage does not send me a monthly stmt with the new balance, nor am I able to obtain the balance online.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16
Company: Herbert P. Sears Co., Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I attempted to reach them a few times and request evidence of proprietorship yet they neglected to send me the fundamental documentation to demonstrate that I actually own this record. This doesn't have a place with me with these specialists/leasers.

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 2015-03-24
Company: Allied Collection Services, Inc. (Nevada)
State: NV
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint:
I am attaching in the form of an attachment a Motion to Set Aside Judgment and Request for Sanctions for violation of the Fair Debt Collection Act that will be forwarded under separate cover unless there is a way to attached a filed hereto.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-09
Company: ZWICKER & ASSOCIATES
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
Received a letter from XXXX XXXX XXXX, XXXX to take me to superior court of California for a debt that is XXXX years old! The collection company or attorneys are Zwicker & Associates, P. C. in XXXX, CA XXXXThe Credit Card is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16
Company: CITIZENS FINANCIAL GROUP, INC.
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/XXXX our personal checking account was defrauded of {$8800.00} using a fake passport as Identification. The bank reviewed the transactions with us while on the phone. They confirmed two checks were written and cashed at their XXXX, PA branch. Our branch is in XXXX, PA ( hundreds of miles away ). Those checks bounced and the bank emptied our account to cover the checks. They said an investigation would begin and our funds should be returned within 7 days. It's been 16 days and our funds have not been returned. We have contacted them several times over the past two weeks and they say they are still investigating. We need your help. We are XXXX  citizens and need these funds to live.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-16
Company: Experian Information Solutions Inc.
State: NJ
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:
XXXX XXXX XXXX - XX/XX/2016 - This Credit File does not belong to me

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 2021-02-16
Company: U.S. BANCORP
State: MO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
GOOD MORNING, I AM IN THE PROCESS OF APPLYING FOR A SECOND MORTGAGE LOAN. ON XX/XX/2016, MY FIRST HOUSE WAS TOTALLY LOST FROM A FIRE. I PAID THE BALANCE OF MY MORTGAGE OFF FROM THE INSURANCE MONEY. I NEED THE CLOSING DISCLOSURE DOCUMENT FROM MY HOME, BUT US BANK HOME MORTGAGE STATED, DUE TO MY PERSONAL INFORMATION IS IN ARCHIVE, THEY ARE UNABLE TO HELP ME, THEY STATED THEY WOULD NEED THE MORTGAGE ACCOUNT NUMBER. WELL, EVERYTHING I OWNED, BURNED IN THE FIRE, INCLUDING MY MORTGAGE PAPERS. I FEEL US BANK SHOULD BE ABLE TO GET ME WHAT I DESERVE. IF I STOPPED MAKING MORTGAGE PAYMENTS, THEY WOULD HAVE THE ACCOUNT NUMBER TO SUE ME. I PAID THE HOME OFF, SO THEY SHOULD HAVE THAT INFORMATION REDIATLY AT HAND TOO.

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 2021-02-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
XXXX XXXXXXXX XXXX - XX/XX/2016 - This Credit File does not belong to me

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 2015-10-06
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
Equifax is reporting accounts included in a Chapter XXXX bankruptcy filed XX/XX/XXXX as if they were current open accounts included in a bankruptcy filed XX/XX/XXXX. This case was filed XX/XX/XXXX and discharged XX/XX/XXXX and given that it is a Chapter XXXX it should not be reported after 7 years from filing.

Company response to consumer: Closed with explanation