BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO
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: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/XXXX I went shopping with my father in XXXX, XXXX.We got out of the taxi and as soon as we did a guy acted like he recognized us and said he was a waiter at the XXXX ( where we were staying ). He continued to talk to us and ask if we wanted to see the shop his family just opened. It was XXXX block down and across the street, so we said sure. I looked at a pair of earrings and they said they were {$120.00} but I could get it for {$65.00}. I commented that they werent even marked to be silver and he said his grandmother must have forgotten to stamp them. I figured they were pretty enough for costume jewelry and I didnt care. They said they preferred to be paid by credit card to build their rating. They scanned the card and another person was talking to me. There were 3 of them in the shop. They said they were having an issue with the internet and went to the front of the store. This was the only time I took out my card when I was in town or used it that day. They did not give me a receipt or have me sign. They gave me a certificate of authenticity which I knew was false for that price and they hand wrote {$65.00}. 
As soon as I got to my room I went online and seen there were 2 charges on my card. One for {$1000.00} from a XXXX XXXX XXXX and one for {$860.00} for XXXX XXXX XXXX. There wasnt anything for {$65.00}. I immediately called Capital One ( this was within 2 hrs. of shopping ) and reported it. The gentleman I spoke with said he would cancel the card and report it as fraud. I thought it was taken care of. While unpacking I just threw out the certificate of authenticity knowing it was garbage and thinking I didnt need it. Then just before XXXX I read a letter from Capital one stating that it was determined it wasnt fraud and was paid. Evidentially because they were in possession of my card its not considered fraud even though I didnt authorize the charges or sign for them. This is WRONG. I called Capital One on XX/XX/XXXX and spoke with a manager. I then filed a dispute. They were unable to give me contact information from the vendors and did not care that I didn't sign for the purchases. They said I had to contact the vendor which is impossible via the internet. 
I brought the earring into a jeweler I use, and he confirmed there costume jewelry and not worth more than {$30.00}. I have included a statement from him. 
This is wrong just because they're holding my card they can charge as much as they want and charge via another vendor and not have to prove anything when reported immediately as incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-23
Company: Armed Forces Loans of Nevada Inc.
State: NJ
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
I was approved for a personal loan with ARMED FORCES LOANS OF NEVADA and discovered a lot of unethical business practices and fees. The company assesses an ADMINISTRATION AND ORIGINATION FEE is 75 % of the loan. I was funded XXXX which included an administration fee of {$1000.00}. There were some other fees assessed, but I believe this company is taking advantage of MILITARY SOLDIERS.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-05
Company: General Motors Financial Company, Inc.
State: NC
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
GM Financial is reporting that we were late on our vehicle loan, when we no longer owned the vehicle. We traded our XXXX GMC Acadia into XXXX XXXX XXXX on XXXX XXXX, 2015. GM Financial reported that we were 30 days late on this vehicle on XXXX XXXX, 2015, 25 days after we traded the automobile into the dealership. They claimed that they never received the first check, so the dealership overnighted them one on XXXX XXXX. I called to verify that a payoff was sent to GM Financial and the dealership claimed one was sent out on XXXX XXXX, 2015. I asked that all copies of the check be sent to me and I would contact the finance company back. I did and they still do not want to listen and correct the reporting. The check was sent to them, but they did not apply it to the account, instead disposed of the check as to retain all the refund money up in late fees.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-22
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
ON XX/XX/2021 MY LOAN WAS TRANSFERED TO XXXX AND THEY PAID RUSHMORE THE AMOUNT OF {$400000.00} BY A WIRE TRANSFER ON XX/XX/2021. XXXX REQUESTED IN SEVERAL OCCASIONS THE PAYOFF AMOUNT FROM RUSHMORE SINCE XX/XX/2021 ; THEY SUBMITTED THE PAYOFF AMOUNT TO THEM AND RUSHMORE NEW THAT OUR NEGOCIACION WITH XXXX WAS SCHEDULE TO BE COMPLETED BY THE FIRST WEEK OF XX/XX/2021. FOR OUR SURPRISE RUSHMORE TRANSFERED THE MORTGAGE TO XXXX XXXX XXXX XXXX KNOWNG THAT OUR NEGOCIATION WITH XXXX WAS FINILIZED. THAT IS WHY I SAID THAT THERE WAS NOT A GOOD FAITH TO TRANSFER THIS MORTGAGE TO XXXX. I PAID ALL INTEREST AT THE MOMENT THIS TRANSFER TOOK PLACE. 
THE AMOUNT ON MY SCROW ACCOUNT WAS {$4000.00} ( SEE PARAGRAPH 5 OF THEIR RESPONSE ) ALSO ON PARAGRAPH 2 OF THEIR RESPONSE THEY ARE STATIING THAT THE PROJECTED INTEREST AMOUNT WAS GOOD UP TO XX/XX/2021. IF THEY RECEIVED THE WIRE TRANSFER ON XX/XX/2021 THE PROJECTED INTEREST WAS OVERSTATED FOR 17 DAYS THAT I AM REQUESTING FOR THEM TO REFUND ME. THE TOTAL AMOUNT OF SCROW AND OVERSTATED INTEREST IS {$5700.00}. WE RECEIVED A CHECK FOR THE AMOUNT OF {$3800.00} ; THE REFUND DIFFERENCE IS {$1900.00}. 
THANK YOU FOR YOUR SUPPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-14
Company: PNC Bank N.A.
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
My college daughter made purchases and overdrafted her account by {$1.00}. We had previously been told they had a {$5.00} threshold for overdraft fees. They then charged 4 overdraft {$36.00} overdraft fees. When we called they said the fees are assessed on available balance. We did not know this and had been banking here for years. We were also told that since she was opted into overdraft coverage she gets charged for each item that hits the account that day. We explained we knew nothing of any of this. We previously kept high balances in our accounts. We recently had a sudden death in the family and depleted our balances. In the past we could call and ask for an explanation of charges no one ever even took the time to explain it they just refunded the fees. Now they we are in a lower balance situation we get a full explanation with no refund. Im concerned this is discrimination

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-21
Company: U.S. BANCORP
State: IL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
This is a Follow up complaint of the US-Bank handling my HELOC ( Home Equity Line of Credit ). Previous Complaint # XXXX Filed at CFPF on XXXX. 
In short, I have had this HELOC for the past 9 years without any problem. In XXXX, I received a warning letter which required me to provide the bank with my Condo insurance policy. Which I did fax it to the number provided. Later I received another warning letter, I did again faxed my condo insurance to the number provided. But the warning letters kept coming, Then I went to the Bank & handed the copy of my Condo insurance & they faxed it for the third time to the number provided. The warning letters kept coming, I went for the second time to the US bank & handed again a copy of my Condo insurance, Again, Warning letters kept coming, I talked to my Condo insurance company, They faxed it for fifth tie to the fax number provided. Then I received a letter charging me an amount {$480.00} for a condo insurance which allegedly the US bank purchased on my behalf. I wrote to the CFPF & a week later the {$480.00} charges were dropped & removed from my account, but then I just received a letter stating that My access to the my HELOC at the uS bank has been suspended effective immediately due to " lack/insufficient Hazaed Insurance '' as required by the HELOC agreement. 
I am simply confused with the actions & mishandling of my HELOC at the US bank. 
I have spent so much time and energy, since XXXX regarding this matter I need the US bank to reverse immediately the illegal suspension of my access to my HELOC and send me an apology letter explains their incompetent handling of my HELOC for theist two month. 

Thanks

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 2015-08-27
Company: Avant Credit Corporation
State: GA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I obtained a loan through avant XXXX in XXXX 2015, in XXXX i refinanced the loan due to the extremely high interest rate of 59 %, XXXX paid the loan in full and i received confirmation from avant that they recd cks and that the loan was paid off. In the early part of XXXX of 2015, i started receiving harrassing emails and calls regarding an unpaid balance there of XXXX, i emailed them copies of the cleared checks in addition to my loan note copy stating the loan was paid in full. Avant 's compliance dept was handling the inquiry and that they were looking into it.. I received an email from them yesterday that stated they had found the problem, apparently do to an internal processing error my loan was removed from the paid in full list, the debited my account today for XXXX by a remote control check and after numerous calls to them today they stated that i would have to wait for my money until " the ck cleared ''. The debited my account for bill and grocery money that i needed to take care of my family. I offered to call bank on XXXX so that they could get confirmation that the money was debited.. '' That is not their policy they stated and avant complaince could not be reached by way of phone calls only emails. Please address this concern before anyone else has to go through this headache with a company that is supposed to help consumers not cause them duress..

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-29
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Problems caused by my funds being low

Complaint:
I have a credit card with 5th 3rd Bank on XXXX XXXX, XXXX, FL XXXX. My payments are due on the XXXX of each month. I made a payment of {$60.00} on the XXXX of XXXX, 2015 through my XXXX XXXX XXXX checking account bill pay. 5th 3rd bank claims that they had received the {$60.00} payment, but that it was returned. Now they charged me a late fee. I am on social security and I ca n't afford this late charges, especially since I was not aware that they had returned it. I paid {$60.00} right away, but they wo n't rescind the late fee. This is robbery. Can you help me

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22
Company: WELLS FARGO & COMPANY
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/2022 -- later in the night -- an unknown person gained access to my Wells Fargo accounts and deposited two fake {$1500.00} checks into my savings account, transferred to money to my checking account and then sent the money to himself before the checks could bounce, resulting in a total of XXXX unauthorized transactions. On XX/XX/2022, I reported the transactions as fraudulent which consisted of a two hour phone call with XXXX from Wells Fargo. To date, only XXXX of these transactions have been reversed, the two remaining transactions being XXXX {$500.00} XXXX transfers to a man named XXXX XXXX, {$1000.00} in total, half from my savings account and half from my checking account. Up until that point, I had never accessed the XXXX software embedded in the Wells Fargo banking app, and never had an account set up with them. At this point, I am still trying to reverse these final XXXX transactions to get the money back and help my mother 's credit score, as she is a joint owner of the account. Until XX/XX/2022, Wells Fargo denied our claims to reimbursement under the pretense that the transactions were not in fact fraudulent, saying " either you or someone with your authorization authorized the transactions ''. On XX/XX/XXXX, however, after another phone call with Wells Fargo on the XXXX, Wells Fargo sent me a secure email through their website, and gave me a different response, saying they could not reverse the transaction or reimburse me due to the medium of transaction, as it was through XXXX and not directly through Wells Fargo. They said that I would need to handle the dispute through the recipient 's financial institution -- which I do not know as I do not know who XXXX XXXX, or whatever his real name is -- if I were to be reimbursed.

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 2016-11-12
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
In XX/XX/2016 I applied for a Mortgage with Fifth Third Bank. XXXX was my mortgage representative. She ran my credit and saw my score was on the verge of a denial she thought and then said, I should bring it up a few points. After that she still submitted my Mortgage application. Apparently, I was approved for a possible Mortgage if I would of submitted the paperwork the underwriters were asking for. I have documentation in the form of Postal Mail from the 5/3 mortgage center asking for information. I am attaching a Email asking XXXX where should I send these papers, to her or to the address on the mail. She replied " we are waiting and just wait for a denial letter '' is your score over 600? 
I waited and the property I wanted went up for sheriff sale. 
I asked to reapply and XXXX told me that my students loans were too high. Since I had a {$0.00} payment she had to figure out what I pay normally. She came back with a figure of {$400.00} a month on one loan, and {$700.00} on another loan. My student loans are {$19000.00} and 1 % is the average for student loans a month. So I am attaching a email where XXXX stated " FHA '' figures this differently. 
Now, I am at the office of the president asking for help from 5/3 bank. Well I am told that 5/3 wont buy " Sheriff Sale '' property. 
I asked my local 5/3 bank manager and she stated they have plenty of times bought " Distressed Properties '' from other banks. 
I feel that I was discriminated against because of the conversations with XXXX. She made it clear after I called the Office of the President that I got another department involved and there is not much she can do. 
Then after numerous attempts to contact the office of the president, they finally blew me off and decided that I was not worth dealing with. 
I am attaching a small portion of the evidence I have.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-14
Company: EQUIFAX, INC.
State: NY
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 had a XXXX account which was Closed and Charged Off and Purchased by Another lender, which is reporting late payments as well. Therefore this account is reporting twice on my credit report as a derogatory. 
This is causing me alot of stress as my credit scores are below because of this reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
A company called XXXX XXXX has withdrawn over XXXX from my bank account with out my authorization. Capital one said they investigated it and is denying my claim. I would have never authorized XXXX to come out of my bank account if there was not that much money in there. I had that bank account for almost 30 years and we can pull records and show this has never happened. This company in question has lots of fraud cases against them on the internet and they are easy to find. Capital one say the are going to apply that money back to my account and the money is not there i don't that much money so it will go into collections and against my credit score. I already had to file bankruptcy and the business is closed. Capital one knows this is fraud and refuses to handle this situation after being a loyal customer for so many years .Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-23
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IN
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
i tried to draw XXXX dollars from it after inwithdrew XXXX dollars drawer closed and i was shorted XXXX dollars after i appealed they still have not settled the problem and do not eve n bother to contact me and let me know about the outcome of their investigationi have had a large amount of money in checking and saving and at the point of withdrawing my complete accounty and transfering to another trustworthy bank please havethe courtesy to give me a call

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-20
Company: Avant Credit Corporation
State: IN
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
When i first established this loan, i requested to have it taken from a certain bank account and was denied. So, when the payment was returned on XXXX XXXX 2015, from a hardly used bank account, i called and was finally given permission to change the bank account on my loan. The lender charged me the {$15.00} NSF and withdrew the loan amount from the correct bank account on XXXX XXXX, 2015. I made my regular loan pymt on XXXX XXXX, 2015. Because the lender does not issues statements nor send out email statements, I had to go to the website to see what my balance was. Their website does not display the balance either. There is no way you can find out the balance on your account unless you call the lender. While looking at the breakdown of my last XXXX payments, I saw that they lender had taken the entire {$380.00}, totaling {$770.00}, and applied it straight towards the principal. When i contacted to lender to ask them why, I was told that, because my payment was returned in XXXX, I had to " catch up '' on the interest for that month and basically pay the interest in advance for XXXX as well. I explained to the rep that there was no " catch up '' interest clause in my contract being that I had made the payment in XXXX as I was suppose to and that I did not see what XXXX had to do with XXXX. I then requested to have monthly statements either mailed or emailed to me so that I could have a record of both my payments and my balance because it did not seem to be moving. The rep informed me that the company does not give statements. I asked her how could a consumer keep track of their balance/payments if nothing was offered to show them what was going on with their account? She sent me a break down of my last payment. That was it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22
Company: Nelnet, Inc.
State: TX
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, XXXX XXXX of the XXXX family have been a victim of Identity theft. There are unauthorized fraudulent accounts by the Department of Education/ Nelnet on my credit profile that need to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Upon reviewing my credit report, I noticed that several accounts have been opened using my identity. I did NOT authorize these accounts and I have reached out to each individual company with no response as to where these accounts come from and why they are up on my credit report/profile. Below I have listed several accounts that are recognized as fraud : 1. ) company name : XXXX account numbers : XXXX date open : XX/XX/XXXX amount {$220.00} XXXX. ) company name : XXXX XXXX XXXX account number : XXXX Date open : XX/XX/XXXX XXXX. ) Company Name : XXXX XXXX XXXX  Account XXXX Date XXXX amount : XXXX XXXX. ) Company Name : XXXX XXXX Account number : XXXX Date Open : XX/XX/XXXX amount : {$30000.00} credit Inquiries : 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 2016-01-30
Company: FIFTH THIRD FINANCIAL CORPORATION
State: SC
Product: Credit card
Issue: Delinquent account

Complaint:
I just received a letter from Fifth Third regarding my credit card account. I am behind on my payments, and they just sent me a letter with a foreclosure threat. Here is the language : " Because you have not brought your account current, there are a number of options we may take, in accordance with your agreement with Fifth Third Bank. For example, we may revoke your Fifth Third credit cards, or if you have Fifth Third auto or mortgage loans, we may also pursue repossession of your car or foreclosure on your house. '' I do n't have any Fifth Third loans beside my credit card, but this intimidation tactic seems legally suspect to me.

Company response to consumer: Closed with explanation