BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-04-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
Capital One canceled my current Quicksilver Visa card because they claimed to ha e shipped me a replacement card. I had never received the replacement card and discovered my current card was cancelled when I could n't complete a {$20.00} transaction. Nobody had ever contacted me to tell me the card was going to be shut off and a replacement issued. Since I am a truck driver this situation was unacceptable as I need my card on the road. I called into the company received their explanation and was told a card would be overnighted to me. I was skeptical but took them for their word. I then got a call back 15 minutes later saying that I would not, in fact be receiving my card the next day ... Monday but would receive it Tuesday. Tuesday came and still no card. When I called in again I was assured that it was shipped and would arrive be Wednesday. However the company could not provide me a tracking number which leads me to believe it was never shipped.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-28
Company: WELLS FARGO & COMPANY
State: CO
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Using a debit or ATM card

Complaint:
My attorney recommended that I work toward re-building my credit after XXXX and a Bankruptcy filing. I opened a secured credit card with Wells Fargo with {$1000.00} and a debit account based on a checking account with Wells Fargo. While traveling to Oregon, one of the two cards was misplaced and I could not find a bank obtain a new card and so just closed the lost card and never used any Wells Fargo accounts after the loss. 
Subsequently, when I applied for a loan to purchase a house, I discovered that I had eight ( XXXX ) accounts open in my name and as a result did not qualify to purchase the house because of " bad credit ''. This was all before the scandal of Wells Fargo opening accounts for people without them knowing about the accounts in their name. The fraud on the part of Wells Fargo has cost me personally in excess of {$50000.00} in moving costs, rent payments etc.

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 2015-04-27
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Credit decision / Underwriting

Complaint:
I 'm Disputing This " STATUS : XXXX -- -File -- -- Received -- -- XXXX -- ( AND ) STATUS : XXXX -- -File -- -- Received -- -- XXXX -- -- -NOT COMPLETED ... .BUY WELLSFARGO BANK-N/A.. 
Case number : XXXX -- -NOT COMPLETED BUY WELLSFARGO BANK ; N/A.. TODAY IS XXXX XXXX ; CF-GOV-CASE # XXXX, and Doccuments submitted in this case : File ; Duplicate 'NOTE- CF-GOV PEOPLE CALLING THIS A DUPILATE ...? 
adding mot information 's pertaining to the XXXX XXXX XXXX XXXX loan done in State of XXXX XXXX : Where the State of XXXX, and Wellsfargo is n't inforcing the Law 's of the U.S.C 's Homestead declaration on my property : ( XXXX XXXX XXXX XXXX, XXXX, XXXX / XXXX important ' notes '' XXXX, and XXXX as well XXXX US State XXXX XXXX the U.S.Constitution on Homestead declairation right on single family homes, and single person 's married or not. // [ In the community property states, the rights of the surviving spouse are less predictable. If thehomestead property is owned as joint tenancy with rights of survivorship or is community property, the surviving spouse retains an interest in the homestead property in his or her own right. InXXXX, XXXX and XXXX, single persons and married couples have the same exemption.XXXXIn such cases, the death of one spouse may have little effect on the protection afforded thesurvivor. When the homestead property is titled in the decedent 's name only, however, the surviving spouse will be left in the same condition as surviving spouses in common law states. Of the community property states, only XXXX squarely addresses this issue and passes the community property interest with the homestead exemption intact to the survivor free and clear of any liens ] [ XXXX ; the { U.S.C. ) Homestead $ 500,000.00USd exempted even on moblehomes, Manufactored homes.. '' they regisrered my home as a manufactered home with wellsfargo court order, changing the status from single family resident.. '' destoying tax records in XXXX XXXX XXXX ; and destroying my deed to my property../ now i understand wht the U.S Department of Hospitol had me file as well to inforce my utility bills were legal in my names as i have all ways lived single.. ; Wellsfargo Bank XXXX, XXXX XXXX XXXX 's XXXX XXXX is dead, XXXX XXXX XXXX that she is : where 's the death Certificate from XXXX Bank? on XXXX XXXX, XXXX people are stating this in that court order ; from what I know there 's life insurance coveing here det 's ; And I 'm the hier on the XXXX XXXX XXXX XXXX XXXX XXXX not those that ran with money. " on her life insurance policy., : XXXX ; XXXX XXXX '' I ask him if his name the XXXX time if it was XXXX, and the XXXX time he said it was XXXX, the ID caller says it 's XXXX? that 's suppose to be working for Wellsfargo bank N.A.?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-28
Company: WELLS FARGO & COMPANY
State: LA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My business collapsed in 2013, forcing my wife and I to leave our home and move in with family. My mortgage company, America 's Servicing Company, took possession of the house and changed the locks before they were supposed to ... and before we could remove all of our possessions. We applied for a deed in lieu of foreclosure, XXXX. Our initial paperwork was lost. I contacted you last XXXX ( 2013 ) regarding our situation, and they were fairly quick to respond. Since then, we have had XXXX home preservation specialists, had our home in active foreclosure ( with XXXX auction dates ), and have been told most recently that there were no plans to foreclose and our deed in lieu has been approved. We were told to contact Mississippi Home Corporation to arrange for authorization for ASC to request that they subordinate their lien on the property ( we received money through the Hardest Hit program to try and keep our home ), which we have done, in writing. After receiving a notice that we are now assigned to our latest home preservation specialist ( # XXXX ) just a couple of days ago, we receive a letter from an attorney 's office that we are indeed being foreclosed on ( again ) and being sued for over {$210000.00} on behalf of the primary lienholder. We 've had no other recent communication from ASC regarding our account aside from our monthly statements. I will be writing to the attorney to attempt to postpone the sale ( no date yet ). Please help us if you can.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19
Company: The Bureaus, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
There is a collection account listed from this company called the bureaus which is unknown I do not owe them XXXX this is inaccurate. I have disputed with receiving nothing back please help

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Credit limit changed

Complaint:
I received a XXXX loan from Bank of America in XXXX of XXXX. The loan was for {$12000.00} I am now eligible to apply for loan forgiveness. However, when I access the loan forgiveness webpage on Bank of America, the maximum forgivable amount is {$11000.00} and can not be changed. I believe this amount to be incorrect. The correct amount should be XXXX XXXX of the loan or {$12000.00} I have contacted Bank of America multiple times regarding this issue and have had no response as of yet. It has been XXXX weeks since I initially contacted them regarding 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 monetary relief
Consumer complaint received 2015-04-23
Company: WELLS FARGO & COMPANY
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I had linked my newly established XXXX account debit card with my Wells Fargo bank account. I was under the impression that I had opted out of any overdraft protection " courtesy '' programs with Wells Fargo ; therefore, any transaction resulting in funds being overdrawn would be declined, which should apply to drafts initiated by XXXX as well when insufficient funds were available. 

I came to find out that Wells Fargo repeatedly allowed these transactions from XXXX to go through and charged the typical overdraft fee of {$35.00} each time. They simply changed the terminology for the type of transaction this constituted, although by definition and consequence enacted on my account ( same {$35.00} fee assessed on each accepted draft of an account bearing insufficient funds ) this is precisely an overdraft fee that Wells Fargo covertly branded as something else in order to justify the procedure ; however, I was never informed of this new practice nor would have agreed, as I opened my account, like I mentioned, under the notion that these fees would not and could not be charged. 
Upon reviewing the terms they have listed for all types of checking accounts, I do not see this expression used anywhere. As I recall, the bank employee I spoke with referred to it as something along the lines of a reverse payment. 

They can call it whatever they want, but unless they are admitting that they are engaging in bait and switch tactics and lack the legal and ethical standards that any banking institution, especially of their stature, would uphold-however optimistic a view this may be in today 's economic climate considering that the bordering on fraudulent and deceitful practices of these banks are commonplace, which in no way should excuse them. 
Part and parcel, this is an overdraft fee, wrongfully and connivingly instituted by the bank clearly illustrating a full-fledged violation of the contract between myself and Wells Fargo which eliminated the chance incurring overdraft fees in any of my accounts. As per their claim that this constitutes a mitigating courtesy they provide, I would like to know who defines courtesy or, moreover, for whom this trulyis a favor, as without my consent or permission, the beneficiary is only the bank.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-07-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I 'm contacting your agency to understand why my account with Bank of America would be transferred to a collection agency and per the letter from the agency account is in a delinquent status. I understood only collection accounts are turned over to agencies for payment. The letter from the agency is dated XX/XX/2015 and Bank of America has just processed my latest payment to them on XX/XX/2015.Please advise

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC
Product: Credit card
Issue: Billing disputes

Complaint:
I was issued a refund for the credit protection plan. This has not been updated on my credit report, as required by the terms of the Consent Agreement that BOA entered. I would like this remediated.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-12
Company: SECURITY FINANCE CORP
State: NM
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
I have been going through financial hardship and was placed on a hardship payment program with this loan company. I call them periodically to let them know where I am but have not been able to make a payment for quite some time, working on alternative solutions at this time. Last month they call my ex-husband, not sure where they got his number, looking for me. I called them and told them they were not to call him again and not to call anyone else except me. They called him again this month and are violating my privacy rights in doing so. Unfortunately I ca n't pay what I do n't have even if I would like to but trying to do something soon. They have not reached out to me in writing, should n't that be an alternative rather than violating my privacy?

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 2017-01-26
Company: Navient Solutions, LLC.
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
Due to the large amount of debt that I have incurred going to school, I have not been able to pay on both my private and federal student loans. When brought to the attention of my company, they simply say they can not lower the payments in any capacity to allow me to actually make payments and thus I have had to use all of my forbearance that I am allotted. I will have none left come XX/XX/XXXX, and they refuse to work with me on lowering any of my payment amounts so that I am able to make any kind of attempt to pay the loans off. I am living paycheck to paycheck because of these student loans and see no reprieve or even attempt to lower the payments so that I can actually make them.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-19
Company: WELLS FARGO & COMPANY
State: IN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My loan has PMI insurance. The current principal balance is 74 % of original appraised value and the company is still taking out PMI insurance included in my payments. There are no late payments, loan is current and always has been.

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 2017-01-24
Company: WELLS FARGO & COMPANY
State: NJ
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
Wells Fargo Bank transferred an account from a deceased individual into that deceased individual 's wife 's name without her consent or authorization. Wells Fargo Bank is now trying to collect money from the wife when it was her husband 's sole obligation.

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 2015-11-07
Company: WELLS FARGO & COMPANY
State: WY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My home was foreclosed in XXXX 2012. The XXXX lien holder, Wells Fargo, did not follow proper procedure about closing the loan out. They now are recording my loan as an Unknown status, which is preventing me from moving on with my life and securing a new mortgage on a lesser home 3.5 years later. I am told that they must record the mortgage status as foreclosed or written off, and they are not doing so on my FICO report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-09
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have a mortgage account with Wells Fargo. Any payments I make early are not applied to the principal until the first of the month. The payments are marked " unapplied '' and I do not receive any interest credit, as well. Rest assured, they are making interest income on my money. I have had XXXX mortgage accounts with them and it was the same as this is their policy. 
This seems like theft to me and I think it may be illegal, certainly unfair.

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 2016-03-30
Company: ALLY FINANCIAL INC.
State: LA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
Ally Bank is scamming customers with a history of overdraft issues. Only with people with a history of overdrafts in the last 6 months find themselves in this situation. If I know I need to make a deposit in order to cover a debit, when I make a deposit, they will go from the standard 1-2 business days before the funds are available to 5 business days for those that have a history of overdrafts. It seems they are doing this intentionally in order to force a person into an overdraft situation in order to glean overdraft fees.

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 2016-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I checked my credit on XXXX XXXX around XXXX XXXX, 2016. And then again around XXXX XXXX. There were inquiries that were removed and put back on. I Called and spoke to numerous reps and they refused to connect you to a supervisor or anyone in American offices to remove the inquires due to the Transunion Glitch. Some of the representatives were even belligerent and knew of the issue but told me too bad. I would like the following inquires removed as a result of this : ALLY FINANCIAL, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX MORTGAGE SERVICE 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, XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2017-03-15
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
wrong employer on my credit report i am not employed with 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 2022-05-19
Company: NCB Management Services Inc.
State: NJ
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:
Complaint ID XXXX has ben closed without proper documentations being provided and within the appropriate time frame. Per NCB they claim to have provided the necessary documents to verify or validate the alleged debt.

As Per CFPB 1006.34 Notice for validation of debts all items should be provided and I have not received these in its entirety and for this should be removed from my consumer report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19
Company: Self Financial Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
As of XX/XX/2019 my credit report was open and then it was reported on XX/XX/2019 without my consent I did not give any permissble prior to the law of 15 usc 1692g I DEMAND and DISPUTE validation or any debts or any portion thereof, the debt will be assumed to be valid by the debt collector.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have tried to contact the credit agencies, but they ask questions which do not allow me to validate who I am. They ask about people owning property in Wisconsin, none of whom I know. I state that and they reject me. My credit report says derogatory, but I have proof from XXXX that they would remove the derogatory status. That was two years ago ( XXXX 2014 ) and it is still there as {$690.00}. I have uploaded the proof here. The credit companies make us go through loopholes to prove our existence, which are ridiculous. I can tell them every tax return for ten years and other info. but they will not ask questions I can actually answer. So my credit score suffers still. Please see point one in the settlement and release. I have also attached a screen capture of my " derogatory '' status. Please 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 2021-01-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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:
On my credit card I have 1 late payment in 3 year in 6 months. That's late payments was made on time but was not received by capital one for unknown reasons

Company response to consumer: Closed with explanation