BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-02-02
Company: WELLS FARGO & COMPANY
State: CO
Product: Credit card
Issue: Other

Complaint:
I paid a company called XXXX XXXX a total of XXXX between my Wells Fargo Visa and XXXX XXXX for services that were never provided. They were to teach us how to effectively sell on XXXX, set us up with drop shippers and create a website. All of this was with the promise that I would get my money back within one year. They never provided the website or any of the drop shippers. They did nothing to justify the money we paid. We had to pay another company for a website and do all of the stuff they promised through other companies. I was informed that I am unable to dispute these charges because of the time that has passed but I find that this is not an acceptable answer. This company has been paid a lot of money for nothing.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
My husband was XXXX in the hospital, he went in XX/XX/2020 he died on XX/XX/2020, the reason I bring this up it is the about the time I decided to pay off my Capital One account. On or about the XX/XX/XXXX I talked with XXXX and XXXX with Capital One telling them that my account would be paid in full. I overpaid so they sent me a check for {$960.00}, Ck. # XXXX from Capital one dated XX/XX/2020. This account was closed XX/XX/XXXX, because my last payment before it was paid off was {$450.00} which brought my account to {$12000.00}. This was paid in full and closed. In fact I paid an OVERage on the account which is why they sent me a check in the amount of {$960.00} XXXX which I will scan for your review ). 

On another note XXXX 's Credit card was closed because the store closed which is associated with XXXX XXXX. It was closed on XX/XX/XXXX. I was a valued customer but due to circumstances beyond my control, the store had to close due to the economy.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-26
Company: TRANSWORLD SYSTEMS INC
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I am trying to contact TSI to discuss my bill and nobody answers the phone and the answering machine is full so I am unable to talk to anyone to resolve my issues. There was a misunderstanding and I am not able to talk to anyone to resolve this issue. Because of this I am afraid this will negatively affect my credit rating. As soon as I received the bills from TSI I paid immediately and I am requesting they do n't submit this late payment to the credit bureaus. My payment was no more than 31-60 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19
Company: Experian Information Solutions Inc.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting XXXX Account # XXXX, has violated my rights. 


15 U.S.C 1681 section 602 A. Sates I have the right to privacy. 

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

XXXX XXXX XXXX XXXX {$900.00}

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 2022-05-26
Company: CURO Intermediate Holdings
State: RI
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:
My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as wilful negligence and non-compliance with federal statutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On Wednesday, XX/XX/2020, around XXXX XXXX, I went to the Capital One Branch at XXXX XXXX XXXX in XXXX XXXX, NY XXXX. 



I spoke to the Teller, XXXX XXXX, that I would like a Certified Bank Check for closing on a home. I asked for a manager. There is none. 

She mentioned that there was a fee. I asked to waive it. She said no. She had me fill out two deposit slips and my ID. XXXX XXXX was helping her out with the transaction. They were very unpleasant and told me that fees are never waived. I said I disagree, as I had done Escrow checks them with in the past that were, but that I would call Capital One later. This transaction typically takes 2 minutes. It took at least 10 minutes. She did not seem to know what she was doing. 

I received my check, my receipts, and walked out. 

I called to complain to Capital One, and they said that the transactions were not registered. 

There was no Certified Bank Check, and there was no Fee transaction. 

I checked the app, and that was true. 

It shows a cash withdrawal for the closing, and a withdrawal of {$10.00}. There is no mention that the money was for a home closing, or a fee for the check. 



I returned XXXX on XX/XX/2020. I asked to speak to a manager. There is no manager. Is there someone higher up? No. And they are unable to tell me if any other branch has a physical manager to speak to. I complained that this was an improper transaction. I asked for a certified bank check, not a cash withdrawal. While it may be a shortcut for the bank, it will cause problems for me if I can not show that the money  for the closing came from my bank account. They said there is nothing they can do, that this is standard practice, and that if anything I can return the check, and get cash instead. I am extremely upset. This is an improper business transaction process.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19
Company: American First Finance, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I went to XXXX XXXX  in XXXX XXXX to buy an advertised refrigerator. They said if I signed up for a credit service under American First Finance, that I could save 10 % on purchase price. 
They also said if I paid off within 90 days I would not have any accumulated interest. I went to payoff within a week and they said there was an early payoff fee. They never told me that, or I would have never signed up for that finance. I feel very taken advantage of and this is very fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11
Company: Bread Financial Holdings, Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Hello, I need Comenity Capital, XXXX XXXX, XXXX XXXX Inquiries removed off my credit report, I do not recognize these inquiries nor did I authorize them. They have been removed from XXXX and XXXX already this month but not XXXX. I would like them removed immediately. I have sent letters to these companies and my next step is to file a lawsuit if they are not removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-01
Company: Shellpoint Partners, LLC
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My loan was transferred to NewRez in XXXX of 2020 with a first payment due on XX/XX/2020. I began setting up my account with them immediately upon their instructions to go online and activate the account due to an incorrect last 4-digits of my SS #. Therefore, I was not able to complete the setup. Since I did not want to make my payments to an incorrect SS #, I immediately alerted New Rez. I called and the rep. told me that the reason why I was unable to get online is because the last digits is incorrect and told me what they have on file at NewRez. I told the rep that they have it incorrectly, and all of my closing documents showed my correct SS # so the error was internal at NewRez. They assured my this would be taken care of immediately. So I waited a few days and tried again. Same issue, they don't recognize my correct last 4-digis of my SS. #. I have made 6 calls to NewRez since XXXX and sent emails ( no response to email ), as of today, XX/XX/2020 when my payment is due, it is still not corrected. Needless to say, this has already been a bad experience and I have not even been with them for a full month. I am not comfortable sending a payment today with an incorrect SS #. It was suggested that I XXXX have to refinance again to correct this issue. No way I would want to do that!! I was told by the last rep on Monday that she will follow up with me to ensure that it's being done and call me ... crickets!!!. Even the company that transferred the loan to NewRez said they contacted them, that was futile, nothing changed. 

I am exhausted and want an immediate resolution to this matter. I should not have to go thru so much just to pay my mortgage on time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-19
Company: TD BANK US HOLDING COMPANY
State: VA
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
At some time between XXXX/XXXX/16 and XXXX/XXXX/16 my ATM debit card was stolen. On XXXX/XXXX/16 I realized the card was gone when I checked my online banking and saw XXXX pending ATM withdrawals. I immediately notified the bank and had the card canceled. The first XXXX withdrawals were for {$200.00} and the third was for XXXX these withdrawals took place in XXXX, NY and the card was stolen where I live in XXXX, Va.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-19
Company: RANDOLPH-BROOKS FEDERAL CREDIT UNION
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
I have not driven a car in XXXX months due to the unfortunate situation in life I was denied a vehicle loan from my bank XXXX. I have XXXX kids and I have a job so daily they need to go to school and I need to go to work, its a struggle. I asked for a used vehicle loan XXXX months ago to be honest I hate do not know why I was denied. If I can get any help if possible I would greatly appreciate it thank you!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-28
Company: TRANSWORLD SYSTEMS INC
State: VA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
When I signed my contract for my student loan at age XXXX, I was under the impression that I would n't have interest charged until after I graduate. Now that I am more aware of my finances, I have noticed that I was charged over {$15000.00} in student loan interest while in school. Making my " affordable '' balance of {$60000.00} jump to well over {$80000.00}. I 'm being denied when I try to refinance my loan, because it is now at a 9.6 % interest rate, and I have have n't been given the time of day from other financial institutions. I 'm overwhelmed by more than just the number, but also the interest rate and I think that the student loan company not only fraudulently charged me an enormous amount of interest while in school, but they also took total advantage of a young student, without any other way to pay for college.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-10
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
According to documentation I received from both Wells Fargo Home Mortgage and XXXX XXXX XXXX, XXXX, Wells Fargo Home Mortgage sold my mortgage and the note to XXXX XXXX a/k/a XXXX XXXX XXXX and XXXX XXXX XXXX , XXXX became the servicer of the mortgage XXXX/XXXX/XXXX. This is in direct conflict with the information which was recorded in the XXXX County records. The assignment of mortgage which was recorded in the XXXX County records shows that XXXX purchased the mortgage and the note from XXXX XXXX XXXX XXXX, XXXX f/k/a XXXX XXXX XXXX XXXX, XXXX. There is no assignment of mortgage filed with the XXXX County court system or public land records which shows Wells Fargo Home Mortgage as being the owner of the mortgage or the note or having the authority to sell my mortgage and note to XXXX XXXX, XXXX XXXX XXXX or XXXX XXXX XXXX, XXXX How can BOTH XXXX XXXX a/k/a XXXX XXXX XXXX and XXXX purchase the same mortgage and note when the dates and the ownership information is in direct conflict with the information which is recorded in the official XXXX XXXX XXXX? How can BOTH XXXX XXXX XXXX, XXXX f/k/a XXXX XXXX XXXX XXXX, XXXX AND Wells Fargo Home Mortgage SELL the mortgage and note? XXXX COMPANIES CAN NOT OWN THE MORTGAGE AND THE NOTE AT THE SAME TIME. XXXX XXXX XXXX XXXX, XXXX purchased the mortgage and the note on XXXX/XXXX/XXXX, and the assignment of mortgage for this transaction did not get recorded in the XXXX County records until XXXX/XXXX/XXXX. Yet, Wells Fargo Home Mortgage states they sold it to XXXX XXXX a/k/a XXXX XXXX XXXX on XXXX/XXXX/XXXX. This is IMPOSSIBLE. When the assigment of mortgage, purchase, sell from XXXX XXXX XXXX XXXX, XXXX f/k/a XXXX XXXX XXXX XXXX, XXXX occurred on XXXX/XXXX/XXXX, XXXX XXXX XXXX XXXX, XXXX had been defunct for 2 years prior. How can Wells Fargo Home Mortgage sell anything pertaining to my mortgage and note to XXXX XXXX a/k/a XXXX XXXX XXXX when they did not own the mortgage and note? The official records recorded in the XXXX County records shows that XXXX purchased BOTH the mortgage and the note from XXXX XXXX XXXX XXXX, XXXX f/k/a XXXX XXXX XXXX XXXX, XXXX on XXXX/XXXX/XXXX. The assignment of mortgage which has been recorded in the XXXX County records shows XXXX different companies on it. XXXX XXXX XXXX, XXXX and the loan number for that company. Wells Fargo Home Mortgage and the loan number for that company. XXXX. XXXX XXXX XXXX XXXX , XXXX , XXXX XXXX XXXX and XXXX. I think someone has some explaining to do because according to the OFFICIAL RECORDS, there was major fraud committed.

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 2022-02-19
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
I leased a vehicle in Oklahoma from a XXXX dealership. After a period of time we moved to XXXX area. The vehicle is a 2020 XXXX XXXX ( electric vehicle ). In XXXX a recall was place for all years of the bolt due to XXXX short in the battery system causing the vehicle to catch fire. Their resolution was essentially turning the vehicle into a paperweight only to be driven in town and left outside. At the time I was in a corporate apartment and was told I couldn't keep the vehicle inside so I had to return it to the dealership. I processed all the paperwork correctly in a timely manner. Here we are in XXXX and its still not resolved due to their incompetence. I have bent over backwards accommodating them and now my credit has been hit and they are telling me that if I don't pay them they will repo the vehicle and turn me over to repossession even though they vehicle is in their possession. I'm am at my whits end and my credit is suffering for a vehicle that I can not drive. I have since purchased another vehicle and can/should not be responsible for a manufacture defected vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I was threatened by a scammer who impersonate themselves as police and investigator. They threatened my bank account is being used for this highly vicious scam work and looking to arrest me for a fraud activity. They said they need me to proove that Im not associated with this. They threatened me to cooperate and went through all this interviews, they assigned a lawyer for me, they started three people call to investigate whether Im involved or not. After that, they said Im clear and need my cooperation. They went though all action items I must take and one of them was to put/wire my money to safe place. However, this police activity is being investigated under high confidential unit, I can not reveal this situation to anyone even with my family and they advice me to transfer money to an account information they shared which belongs to governement ( hence safe ). I went to Bank of America and followed their instruction and sent them.

I realized it was all scam after 3 hours or so and called Bank of America. Ive filled out and signed both document they provided to proceed the fraud claim. I also went to police next day to file the case. They said investigation will take about 70days and came back they couldnt resolve it. Im also attaching document I signed for Bank of America ( scame victim acknowledgement, fraud statement of claimant, and supporting material during I was on a call with scammer to visually present how they appeared on my phone and what kinds of documentation they sent me. 

Bank of America Case Number : Fraud claims XXXX Scammed on XX/XX/2021 Filled XX/XX/2021 Investigated started : XX/XX/2021 Total amount of money scammed : {$26000.00} 1. Scam Victim Acknowledgement Signed 2. Fraud Statement of Claimant Filled out Signed Also includes : Detailed explanation of circumstance & Police Report & Receipt of wire transfer 3. Supporting Materials for claim Additional supporting material to backup my circumstance.

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 2020-10-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Overcharged for something you did purchase with the card

Complaint:
This complaint is a follow-up to complaint number XXXX. 

Bank of America has not resolved our issue of fraudulent charges on our bill and has yet to respond to this complaint. 

We have sent them over 15 pages of documentation and Bank of America unilaterally decided to issue a credit of {$1000.00} ( instead of the full fraudulent charge of {$2100.00} ). 

However the total fraudulent charge was {$2100.00} as we were overbilled for 3 days of the service contracted for which is well documented. 

We should have only paid for 4 days of stay. 

Please help us resolve this matter of fraudulent billing, as we have always been happy with Bank of America, but we feel this issue has not been addressed by the appropriate management at Bank of America.

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 2022-05-26
Company: Upgrade, Inc.
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I have {$81.00} in my cash back balance. It can not be accessed. It must be applied as a credit to the statement balance if a balance exists. Because interest accrues daily on this account, I must let the balance accrue interest until the statement date for the cash back reward to be applied. This is unlike any other cash back card I have used. The reward does not in any way resemble cash which can be access and used at my discretion. This is not correct advertising. I would like my cash back balance to be transferred in full to my checking account. 

This is the second issue I have had with this card. The first was resolved in part and involved the lack of information surrounding the daily accrual of interest. 

It is my opinion that the practices of Upgrade and the features and advertising around this card are very misleading and predatory.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXXXXXX XXXX XXXX XXXXXXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2020-10-01
Company: Experian Information Solutions Inc.
State: NC
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 spoke with them today. They said the only way to get the bill removed is to file a dispute. I have tried that they are still reporting. I have paid their collection company XXXX. I am attaching the receipt.

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 2015-03-31
Company: ENCORE CAPITAL GROUP 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:
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!

Company response to consumer: Closed with non-monetary relief