BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-05-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
I am unable to actually pay my bill, or my balance on the card that I have with Capital One. I got this card XX/XX/XXXX, and I have had several issues regarding Customer Service. As well as with the Fraud Department. I have verified everything I have ever needed to verify. As well as went back and forth between the corporate people at Capital One, and the Fraud Department. I have had to stop payments from going through to their company, because they absolutely refuse to offer a solution for this issue, or any of the other MAJOR issues I have had with this company. I can no longer speak to the corporate office, because they tell me my issue is a, " Fraud Issue ''. This situation has been going on for months, with no end in sight. My account is currently restricted, and the reason/reasons it is currently restricted ( even though proof has been given, as well as many phone calls have been made by my bank to this company ) they are not willing to budge in any way. Even after doing what was asked. I am always told a different story, and I am always connected from corporate to the Fraud Department. I have had nothing but issues with this company, and this card since I opened it. I get plenty of notifications that my bill is due, but why pay the bill when Capital One does n't even know what they are doing? As well as moving me back and forth between rude, and disrespectful people. They have caused nothing but hurdles for me. With NO-WAY to take care of these issues. All I end up with after I have spent almost 2-3 hours on the phone with these people is a pathetic apology. I need to speak with someone that can handle these issues without me being transferred all over the place. I refuse to speak to any more rude/disrespectful Customer Service OR Fraud Department people at Capital One. The past few conversations I have had with Capital One I have had people laugh at me in a mean way. I 've also had people yell at me, along with insult me. I have made several attempts, ( So has my bank ) to clear these issues up.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recently checked my updated personal credit report and I noticed that there are unauthorized inquiries reporting on my personal credit report. I contacted the company and asked them to remove their credit inquiries from my credit profile. I request that CREDIT BUREAUS initiate an investigation into the following inquiries listed on my credit report to determine who authorized these inquiries. If, once their investigation is complete, find my allegation to be true, please remove these unauthorized inquiries as soon as possible : XXXX XXXX XXXX XXXX Inquired on XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/2021, XXXX Inquired on XXXXXXXX XXXX XXXX XXXX XXXX Inquired on XXXXXXXX XXXX XXXX XXXXInquired on XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/2XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX Inquired on XXXXXXXX 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 non-monetary relief
Consumer complaint received 2017-02-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
I received an email from my bank stating that there had been suspicious activity with my account. I took a look at my account online and it turned out that someone had charged over {$900.00} at a XXXX halfway across the country. Another attempt had been made to withdraw {$400.00} from an ATM using the same account that had been denied in the same general area of the initial charge. I immediately reached out to my bank and let them know that they were correct and the charges were fraudulent. I filed a fraud claim and decided to take a closer look at my accounts. Upon closer inspection, I came to realize that there had been a few lesser charges ( & lt ; {$5.00} ) on the account that I had not caught. I informed my bank of these lesser charges in good faith, under the impression that any additional information I could provide would give them a better chance of catching the individual that was committing fraud with my account. The bank initially provided my account with a credit to cover the money that had fraudulently taken from my account while they investigated. However, they have rejected my claim under the pretense that since I had not caught the smaller transactions and made them aware sooner, I was liable for any additional fraudulent charges. At this point I am out over {$900.00} with little to no recourse that I am aware of.

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 2016-04-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I was unfairly treated by you mortgage dept I will be happy to discuss this my phone number is 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 2017-02-07
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I had a student loan with XXXX back in XXXX. I recently graduated from XXXX school in XXXX XXXX. I have n't recieved any mail from Navient with a welcome letter the address/phone number they had on file was incorrect. I put my loans in deferment with the department of education in XXXX XXXX they told me I would n't have to worry about any loan payments until XXXX XXXX. XXXX XXXX, XXXX I got a call from an old classmate saying Navient left them a message to contact them. I immediately called Navient to see what happened. Navient said I had made any payments to my loan I was confused because I was in deferment. I explained to them that I should be in deferment I filled out the paperwork in XXXX XXXX and I was approved. I reported that I do n't have a full time job as of yet and I 'm actively looking for employment. Navient said they understood and all I had to do was fax them unemployment forms which I did. I checked my credit score and I been report for 90, 180 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Application, originator, mortgage broker

Complaint:
Bank of America has not allowed me an avenue to show proof of recent hardships regarding loan modification. Enclosed, you will see letters from the bank regarding the upkeep my my property and current damage. 

Bank of America will not give me a contact with Email to send this information. They are not working me to find resolve. 

The assigned, yet, another lower level representative who has not reached me. I left XXXX messaged.

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 2016-11-30
Company: Navient Solutions, LLC.
State: AR
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint:
These loans in which my parents and I thought to be much like the federal loans were very deceiving. At this time, the interest rates that I have reviewed have more than tripled the amount in which I borrowed. The biggest issues is that my family and I can not make the payments at this time. I have tried to get them to help out, but it is apparent that they can not reduce my payment any lower. I suggest that no one use PRIVATE STUDENT LOANS.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-01
Company: WELLS FARGO & COMPANY
State: NE
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I currently bank with Wells Fargo. For years they have been posting transactions in a way that caused me to get the maximum number of overdraft fees each day. This has caused me to pay thousands over the years to Wells Fargo. Additionally, when I deposit a check to try and avoid these fees they put a 7 day hold on the check causing the account to overdraft further. I do not have a history of depositing bad checks and have never deposited a bad check since I opened an account with them in 2000. This process of over draft fees continues to make it more and more difficult to get out of the circle of fees. In fact there have been times where my account was negative and the fees made up the majority of the negative balance ( 50 % or more ) I have begun considering bring this issue to a law firm to begin the process of a class action lawsuit. I know they were sued for the overdraft fees in California but the class action only applied to California so I was not able to be part of that class action lawsuit. I feel the banking industry ( especially the big banks ) prey on the difficulties of those who do not have a lot, preventing people from being able to get ahead because of XXXX transaction that begins a cycle of fees that becomes impossible to get out of without assistance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-14
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
The U.S. Department of Education discharged my student loans as a result of my total and permanent XXXX on XX/XX/XXXX. Navient in turn discharged my student loans and reported this to all XXXX credit bureaus on XX/XX/XXXX. The Florida Department of Education received notice from XXXX on XXXX XX/XX/XXXX that my loans were discharged. Nonetheless, and inexplicably, the Florida Department of Education reported my loans not as discharged, paid in full, with XXXX balance, but rather reported them as in a balance status of {$100000.00} and {$95000.00} on XX/XX/XXXX. Now, each of the XXXX credit bureaus -- XXXX, Experian, and XXXX -- is incorrectly reporting that my loans are in balance status when they have been discharged by the US Department of Education and XXXX for total and permanent XXXX and should show XXXX balance, paid in full, and closed. This represents deliberately false reporting to the credit bureaus and is discrimination against a XXXX person. These loans have been discharged for over 130 days. Please immediately resolve this and ensure that all parties and all credit bureaus show these loans as discharged, paid in full, and closed, with XXXX balance.

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 2015-06-11
Company: WELLS FARGO & COMPANY
State: AR
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
On XXXX/XXXX/XXXX, I purchased a used XXXX XXXX, from XXXX XXXX. The total price was {$32000.00}. Wells Fargo Bank picked up the loan for XXXX payments of {$670.00}. It was later switched to Wells Fargo Dealer Services. I have made XXXX payments for a total in excess of {$49000.00}, all the while receiving XXXX upon XXXX of harassing phone calls at all hours of the day, to every number I 've provided to Wells Fargo. I am charged at least an extra {$10.00} processing fee, for every payment. When I called today, to schedule the last payment, for Thursday XXXX XXXX, I was told that if I did n't make the payment by tomorrow, XXXX/XXXX/XXXX, I would have to surrender the vehicle. I do not get paid until the XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-22
Company: WELLS FARGO & COMPANY
State: GA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
Went to Wells Fargo to open an account with a representative, explained to her I came to the bank to open an account to receive direct deposits from my job. I excplictely told her I only want a checking account. About 3 weeks later I get notices in the mail and I see I have a savings, and a line of credit open. I call in to Wells Fargo and explain the whole ordeal and was very frustrated. I got my account removed. 

I went into another branch because I did n't feel comfortable anymore in that store. The agent told me I was not able to open anymore line of credit for a long time. 

I should not be punished for closing an account, when I had no idea it was open in the first place

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 2016-12-01
Company: WELLS FARGO & COMPANY
State: VA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
This started in 2008, I had to close my XXXX due to the economy, I tried to get a modification on my own ended up having to hire a firm to get me a modification, supposedly they got it then after 2 years of making the modified payment I was contacted and told they were foreclosing on our home.The long and short of it I was told the servicer approved but the lender did not. I have a loan that is a Mortgage backed security serviced by Wells Fargo, the investor is XXXX.I have requested modifications on my Mortgage, because this loan is not affordable it is almost XXXX per month, it is not owned by XXXX or XXXX so I can not get into a HAMP. program. What about us 27 % of Americans that have loans that where sold off into these ridiculous type of loans that is not owned by XXXX or XXXX that has done everything possible to stay in our homes that are severely upside down? I have been forced into bankruptcy 2 times trying to save my home. Not only has it ruined my credit but makes me less qualified to get a new loan. The loan is not being reported to the credit agency because I was told the loan was not reaffirmed and that had to be done at the end of the bankruptcy, this was never told to me by my attorney and you can not go back and do this? I just do not understand why I can not get the help that everyone that had a XXXX or XXXX loan was able to get. I feel the discrimination. Why can there be no bail out or even reducing the rates on the upside down property. I am told I should walk away from my home, but it is my home. The bank will be hurt by this badly but they would prefer to take the loss then help a home owner keep there home, is there any sense in this? Had I not lived here 25 years then maybe it would make sense to walk away.

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 2016-04-23
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have been denied several times by Wells Fargo with no explanation. They just say based on their numbers, that I am denied. It does n't matter what I tell them my income is, or my property value, they just use whatever numbers they feel like. I have been speaking to a housing counselor and according to their system, I should be well qualified for a HAMPtier2 or HAMP Streamlined modification. It just seems like I am not being throughly reviewed and just denied. I have a very high interest rate at 6.5 % and my home is worth about {$420000.00} according to my local realtor. If my rate is lowered to the market rate, I do not see my mortgage payment becoming a problem EVER again. I am just asking for help to get caught up because my business slowed down a couple of years ago. I keep getting assigned to the same people who are not taking the time to review my individual situation properly, and seeing that if I just get help catching up, I should not have a problem falling behind again. Please help. I give my full authorization to XXXX XXXX, XXXX XXXX and XXXX XXXX to recieve information on my behalf.

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 2020-12-15
Company: EQUIFAX, INC.
State: CT
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:
Equifax keeps splitting my file into two files and they keep asking for documentation every couple of months. This is an ongoing issue with the company

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

Complaint:
Became XXXX called Wells Fargo for advice was told I 'd be able to get my mortgage payment down and a call after I paid it off or pay what I could I emptied out my 401 ( k ) paid off XXXX % of it was left with a small balance of {$11000.00} and they would not readjust the mortgage so I was paying less which put me in a big bind .they now refuse to lower my payment stating that the person who owed owns my mortgage one allow that after-the-fact I was told this is way too late for that

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 2016-10-01
Company: WELLS FARGO & COMPANY
State: NJ
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
In XXXX 2015, I went to a Wells Fargo branch in XXXX, NJ to inquire about opening an HSA account and specifically about the fees associated with such an account. The bank representative with whom I spoke told me that so long as I maintained a minimum of {$5000.00} combined in both my checking account and HSA account with Wells Fargo, I would not incur any fees. Therefore, I decided to open my HSA account with Wells Fargo. Months later, when looking at my HSA statement, I realized that I was being charged a monthly service fee of {$3.00} per month, despite the fact that I maintained an amount greater than {$5000.00} in my checking account and HSA account. 

I contacted Wells Fargo by phone and they simply told me that the information given to me by the representative was wrong and there is nothing I could do about it. I went to speak with the same representative in person and he said again that he was correct and that I should not be charged any fees and that he will look into it. When I followed up with him on the phone, he said he was still looking into it, but I have never been able to receive an answer.

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 2016-02-28
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card
Issue: Rewards

Complaint:
I applied for an American Express XXXX XXXX XXXX which promised {$250.00} after spending {$1000.00} in 90 days. They only gave me {$150.00} after I put in the purchases of over {$1000.00}. I put in a request to have it researched on XXXX XXXX. I called them half a dozen times and it is still not resolved. I sent them the screenshot of their advertisement. They still have not resolved the issue. I am going to file this and let them know I will close my account and deduct what is owing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-19
Company: Peter Roberts & Associates, Inc.
State: CT
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XXXX XXXX 2015, I had XXXX taken at the " XXXX XXXX of XXXX, XXXX. '' located in XXXX, XXXX On XXXX XXXX 2015, I received a bill for {$91.00} from the " XXXX XXXX XXXX XXXX XXXX XXXX '' agents for the XXXX XXXX XXXX XXXX XXXX On XXXX XXXX 2015, I paid the amount in full to the XXXX XXXX XXXX. 

Yesterday, XXXX XXXX 2015, I received a phone call from a man named XXXX, employee of " Peter Roberts & Associates, Inc. '' He used the number ( XXXX ) XXXX. He claimed that I still owed {$91.00} for the XXXX I had taken. He was able to supply me with my home address, birth day, and the last XXXX digits of my social security number in order to verify the veracity of his claims. I still did n't believe him. So I called the XXXX XXXX XXXX 's medical billing department at XXXX XXXX XXXX XXXX and they confirmed that I paid my bill in full and on time. Then I called the XXXX XXXX XXXX at XXXX and they also confirmed that I paid my bill in full and on time. XXXX companies told me that they had no affiliation whatsoever with the company called Peter Roberts & Associates , Inc XXXX 

My wife and I receive health insurance through XXXX XXXX XXXX, who was the victim of a XXXX on XXXX XXXX 2015. We suspect that Peter Roberts & Associates somehow received our identity information directly or indirectly through this attack.

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 2015-09-11
Company: WELLS FARGO & COMPANY
State: VA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
We have contacted the lender several times to refinance this balloon mortgage. We have never made a late payment. The interest rate is over 12 % and unreasonable. This is a XXXX mortgage, without help from the Lender, we have no chance of paying off the loan or keeping our home. 

We have been denied help from anyone at the company and told not their problem.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15
Company: Total Card, Inc.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
This company is participating in predatory lending. They have collected fees almost double my credit limit. I asked for a due date change twice they never did it and continued to charge me {$40.00} for being 3 days late every month since I opened the card. I had 2 cards with them first digital and first access.

Company response to consumer: Closed with explanation