BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Capital One credited a {$7600.00} check to my credit card account with a {$0.00} balance, resulting in a credit balance of {$7600.00} because they also decided to charge the {$29.00} annual fee against this check. Payment was made by mail from a title company on my behalf to my Capital One Line of Credit for {$7600.00}. The title company could not stop payment because the credit card division cashed the check incorrectly. The credit card department said the only other way to resolve the matter was to have the check mailed to me " after a waiting period and then up to 10 additional days for processing. " Both departments verified that the title company sent the statement with the correct account number and address. However, neither department had a method to resolve the mistake made by Capital One. The individual with the Capital One Line of Credit assured me the matter would be fixed when I called on day one. Three days later, the issue was not resolved, and no one had the courtesy to inform me that the transaction could not be corrected. The credit division could not transfer the funds to the correct division, nor could the funds be transferred to my bank account, nor could the funds expedited by wire transfer, XXXX XXXX or another carrier to my attention. So, in summary, Capital One made an error and refused to take responsibility by expediting the return of funds as presented for payment toward my Line of Credit. In addition, Capital One continues to charge interest on my Line of Credit while holding over {$7000.00} in an incorrect account in a credit card account with a {$0.00} balance. Upon calling the credit card to seek an update, a recorded message stated I would receive the return of the {$7600.00} in 60-90 days. It seems quite unreasonable that Capital One has no mechanism to correct a mistake made by the Credit Card division, nor can the Line of Credit division request return of funds sent to their attention. Finally, the credit card money has the ability to hold this large sum in a non interest bearing account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-21
Company: WELLS FARGO & COMPANY
State: AZ
Product: Credit card
Issue: Advertising and marketing

Complaint:
I did not get anything other than the logo that I was promised. 

XXXX/XXXX/XXXX : Press Release XXXX log on info provided ( so I could write my own press releases ) XXXX/XXXX/XXXX : Provided a press release for XXXX which I edited and returned on the same day XXXX/XXXX/XXXX : One article for XXXX ( XXXX Article ) - Problem : the article promotes a watch I do not have for sale on the site XXXX/XXXX/XXXX : Provided the revised version of the Press Release sent XXXX XXXX XXXX/XXXX/XXXX : Provided a second article for the XXXX site XXXX/XXXX/XXXX : Provided a third article for the XXXX site that is promoting the same item the second article had promoted XXXX/XXXX/XXXX : I sent an email requesting clarification with regard to what exactly they were supposed to be providing per our agreement XXXX/XXXX/XXXX : They responded to the above request by directing me to contact their fulfillment department XXXX/XXXX/XXXX : I received XXXX Article # XXXX to which I sent a response asking what I am supposed to be doing with the articles and where the press releases are sent along with the question : do I send them out or do they. I further expressed concern over lack of communication and my inability to contact them by phone ( I have forwarded that correspondence to XXXX office. ) XXXX/XXXX/XXXX : I was provided with the final logo for XXXX XXXX/XXXX/XXXX : I received a response as to why XXXX Articles are important, but not explaining what I was to be doing with them. They also included the fifth XXXX Article. 

XXXX/XXXX/XXXX : I responded to the XXXX XXXX email from them and asked for more clarification XXXX XXXX - XXXX XXXX Multiple back and forth emails attempting to schedule an appointment with no luck.

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 2022-10-28
Company: Experian Information Solutions Inc.
State: SC
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: Was not notified of investigation status or results

Complaint:
I am a victim of identity theft. I had filed complaints to the three bureaus ( XXXX, Experian and XXXX ) on XX/XX/2022. The bureaus received the complaints but have not taken off the Unverified information from my report. 
I have also filed an Identity theft with FTC with the reference number XXXX. The Bureaus are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of their first investigation, they stated in writing that they verified that these items are being reported correctly without indicating who verified the accounts. I would like to know who verified these accounts. 
The Bureaus have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to delete all information that can not be verified.

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 2015-05-26
Company: WELLS FARGO & COMPANY
State: AL
Product: Credit card
Issue: APR or interest rate

Complaint:
I have XXXX credit card accounts with Wells Fargo. I accidentally paid off the wrongcard and now they have charged me the accrued interest on the only remainingcard. I mixed them up and paid off the card that was n't due until XXXX and thecard due in XX/XX/XXXX has been charged over {$900.00} in interest. Both the other cards were paid off. I did not have any late payments, all monthly payments on all XXXXcards were paid on time previously and I have excellent credit. This was a terrible oversight as I have XXXX serious illnesses and I am on XXXX. I have sent them a letter by a fax XXXX times and they have not responded. I can pay off the entire balance due ( minus the deferred interest ). 
I have no money otherwise for this deferred interest as I am on a strict budgetfrom XXXX. This was a terrible mistake and I am begging someone to helpme with this.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-28
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
In 2013 I had applied for Mortgage refinancing loan with Wells Fargo. The loan was not approved because of the low appraisal value of the property and so it never closed. 
However, XXXX years later I learned that Wells Fargo had placed a lien on my property even though I do n't have any loans with them I do n't owe them any money. 
I had sent my request and explanation to Wells Fargo ( by fax on XXXX ) asking them to remove the lien from my property and to send me the release letter stating that I do not owe them any money ( which I need to be approved for a home equity loan ) but so far I was unable to get the lien removed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-10
Company: WELLS FARGO & COMPANY
State: NC
Product: Money transfers
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
I was n't sure which category to select -- this is regarding XXXX -- trading. Of course after sending a total of {$80000.00} I finally figured out that this company just takes and takes and a person can never win. I asked that the taxes I paid be part of my account and they gave it to me as a " bonus '' - total {$42000.00} -- which I can never get back unless the money I lost is recovered which I read never happens. Read they were a scam. My account is now down to {$3100.00}. This was my retirement ( IRA ) money and their talk was good to get me to 'enroll ' by sending in the initial {$250.00}. They are unrelenting in asking for more money. I did no trading on my own until I was down to about {$5000.00}. Their trader ( s ) did it for me prior to that and I 've lost nearly everything. Their were XXXX different transactions/funds sent to XXXX. Any way to recoup?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-15
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I have been refinancing XXXX home mortgages. The mortgages are currently with Wells Fargo, and the refinancing was to be through Wells Fargo. The process was started in XXXX, when interest rates were near their all time lows. I was given a rate lock in at that time. They failed to process the loans in a timely fashion, they claim because of a large volume of loan applications and not enough staff to process the loans in a timely fashion. When the loans were being processed, they could not get the HUD correct XXXX XXXX HUD had a closing cost of {$49000.00} XXXX. This required extension of the rate locks, which I have just been informed, incurred a cost to me for the extensions. 
Additionally, they are refinancing XXXX loan at the original equity balance present when the process started, and are not giving me credit for over {$4600.00} in principal that has been paid since inception of this process. Therefore, on XXXX loan, the closing costs are {$3900.00} but the real costs are in excess of {$8500.00}. This problem is in addition to the previously stated lock rate extension costs they have added to the closing costs. This, to me, is a bait and switch. 

I am supplying documents for XXXX loans. The primary residence AND a XXXX residence

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-23
Company: WELLS FARGO & COMPANY
State: WA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Wells Fargo Customer Service Account : XXXX XXXX XXXX, last XXXX Soc-Sec : XXXX Email : XXXXXXXXXXXX Subject : Two-factor authentication using Text message code sent to mobile phone in USA. 

I am XXXX living in XXXX with XXXX mobile phone number. 

I ca n't use Wells Fargo two-factor authentication without calling Wells Fargo customer service and going through a inconvenient and exasperating I.D . process of giving account & debit card numbers including Soc-Sec number. 

I do n't like giving account numbers over the phone which could have security issues. 

Why ca n't Wells Fargo send two-factor authentication text code to my mobile phone in XXXX? 

Or send text code to my Email address or XXXX XXXX? 

Finally, there must be thousands of XXXX living in foreign countries that have the same problem ( no USA phone number ) as I do with Wells Fargo 's two factor authentication text code online sign in. 


Sincerely, XXXX XXXX cc : Consumer Financial Protection Bureau.

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 2022-10-28
Company: Maximus Education, LLC dba Aidvantage
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have called three times to request a refund of my student loan payments made during the Covid 19 payment pause. I requested ~ {$6000.00} back on XX/XX/2022 and was told 4-6 weeks. Called back after 6 weeks and was told 6-8 weeks. I have still yet to see a change in my student loan balance updated on their website as of XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit card
Issue: Billing disputes

Complaint:
In XXXX XXXX, I had applied for XXXX XXXX to XXXX, on the XXXX XXXX. For XXXX XXXX, I got charged twice via XXXX transactions for the same XXXX. I called the Vendor and I was assured that there was only transaction recorded. The first transaction ended in error necessitating the second transaction. So for issual of XXXX XXXX XXXX I got charged twice. The vendor issued only XXXX XXXX, but charged me twice. Upon calling the Bank of America a credit in amount of {$61.00} was issued correctly. Now the Bank of America has re-instated the charge of {$61.00} despite the vendor providing only XXXX XXXX but charged twice. The vendor supplied the paper work for charge proving its validity but hid from the Bank that it issued only XXXX XXXX but charged twice. The transaction reference # XXXX. The date of Original transaction is XXXX/XXXX/XXXX and the date of debit 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 monetary relief
Consumer complaint received 2018-05-27
Company: EQUIFAX, INC.
State: OH
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:
I sent a letter to all 4 3 credit bureaus XXXX XXXX Equifax in XX/XX/2018 asking them to remove the bankruptcy off my credit report because bankruptcy court do not report to credit bureaus and I have a freeze and a suppression on XXXX so they cant release my private information,. I sent letter from court and XXXX to All 3 Bureau. They all responded the bankruptcy was verified thru court or XXXX which is not true

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28
Company: Experian Information Solutions Inc.
State: NV
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:
nno known knowledge, never had an account or contract i have not worked in 8 years, i have not applied for credit i have been sick with XXXX for a year XXXX  XXXX XXXX Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$1.00} written off. {$73.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$53.00} Balance updated XX/XX/XXXX Recent payment XXXX XXXX  Monthly payment {$0.00} Credit limit {$1000.00} Highest balance {$100.00} Terms XXXX On record until XX/XX/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 2017-04-28
Company: CITIBANK, N.A.
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have had a busine ss account with Citi for several years. Citi, decided to close all their branches in MA and subsequently they forced everyone to use  their online banking for all transactions.   On MOnday the   XXXX   XXXX   XXXX   XXXX    , i went on line to see the procedures required to wire money to a vendor but noticed that i had repeated login issues. Naturally i called the toll free number on the back of the ATM card to seek help. Yet every time i called, they said that since my account is a " special commercial account '', only my account  manager ( yes, one person ) c an help me unlock my account.   After several attempt to reach my account managers, who happens to be in TX and CT, i am now told tha t CITI, during their routine KYC complian ce checks, noticed that after years of banking with them, they do not have some information about me. And as such, they have decided to first close my account on the   XXXX   XXXX   XXXX   WITHOUT ANY NOTICE TO ME. Then when they realised that they made a mistake, for  two days now they have tried to re-open my account. Yet after 5 days, i STILL DO NOT HAVE ACCESS TO MY MONEY to conduct my business.    If  CITI screwed up on their compliance procedures, information that i have already given to them, why are they STILL blocking me access to my money? i have a I feel so helpless as there is no one that will help and there is no branch to go to to get my money out. In the meanwhile, i have written three chec ks, which i am certain will bounce. This is affecting my business very negatively.   This is so wrong on so many levels and i feel helpless.

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 2015-05-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO
Product: Credit card
Issue: Other

Complaint:
Bank of America is reporting an adverse credit card account on XXXX XXXX which I was placed as an " Authorized User ''. I wish to have this removed from my credit file and not be an authorized user on this account. I would like this deleted immediately off my credit file on XXXX XXXX and any other credit bureaus they are reporting this to.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-28
Company: Experian Information Solutions Inc.
State: NV
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:
HIPPAA VIOLATION NO KNOWN KNOWLEDGE OF ACCOUNT NO CONTRACT OR KNOWLEDGE OF BUSINESS XXXX XXXX  Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$1.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$1000.00} Balance updated XX/XX/XXXX Recent payment XXXX XXXX Monthly payment {$0.00} Original balance {$1000.00} Highest balance {$0.00} Terms 1 Months On record until XX/XX/XXXX Payment history XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collection Payment history guide Collection as of XX/XX/XXXX Historical info Original creditor XXXX  XXXX XXXX XXXX info Phone number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX Your statement Comment Current : Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ). 

Previous : Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ). 

XX/XX/XXXX, XX/XX/XXXX to XX/XX/XXXX Reinvestigation info This item remained unchanged from our processing of your dispute in XX/XX/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 2015-09-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Bank of America ( BAC Home Loans ) is reporting my loan XXXX days late for the month of XXXX 2013. 
This account was never late. I am not just frivolously saying that. It really was NEVER late. 
This account was on a trial period and payments were on time. There is absolutely NO reason for this account to be reported late. Bank of America has been giving me the run around for over 1 year about this. They admit it should n't be late but no one has a clue how to fix the credit reporting. This has been seriously damaging to my credit rating and causing extreme distress. I am at my wits end with this. This late mark needs to be removed now.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-22
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:
My monthly payments ( income based ) were doubled XXXX without my income doubling. I was already barely able to afford my current payments and needless to say this was becoming a XXXX financially threatening our young family ( we have XXXX young kids ). After contacting Navient multiple times both via phone and their portal I inquired as to how this was happening and what my options were. I was given no solutions or explanations via the portal ( all of this is documented ) and the only solution given via one phone call was forbearance. This is not a long-term strategy but given the circumstances and attempting 3 months of these unreasonable payments my husband and I decided for forbearance for 12 months. I had also asked for the calculation that lead them to this amount given that I was possibly eligible for extra income ( bonuses ) and this could further threaten our payments yet again no answer was provided and I could not make an educated decision about certain financial items. The income based repayment program appears random at this point and that Navient was unable to provide the calculation used to determine my monthly payments suggests the randomness and does not allow consumers to make educated decisions.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-09
Company: JPMORGAN CHASE & CO.
State: GA
Product: Credit card
Issue: Payoff process

Complaint:
For online automatic payments, Chase only offers the option to pay the minimum monthly payment or the full balance. There is no option available to automatically pay more towards the principle ( minimum + additional toward principle ). Chase, on a monthly basis, sends balance transfer / promotion checks to customers enticing them to borrow money against their available card balance. To me, this is a classic " repayment trap '' designed to get customers to transfer balances to their Chase card, then by not providing an option to pay more than the minimum monthly payment in order to expedite the repayment of the principle, Chase is able to collect more interest on higher credit balances. The customer must manually adjust the " automatic '' payment in order to pay additional principle on a month by month basis, which hardly seems convenient or automatic.

Company response to consumer: Closed with explanation