BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-15
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I made a min balance payment on XX/XX/22. My billing cycle ends on XX/XX/22. I had a promotional balance that expired XXXX. I paid the full promotional balance on XX/XX/22 online. I called the company to ensure that the payment I made was applied directly to pay off the promotional balance on XX/XX/22 and not the minimum payment that was due on XX/XX/22. I asked the lady more than once did she apply the payment towards the promotional balance and she assured me that it was and the promotional balance is paid off. A month later they charged me accrued interest stating that I did not make the minimum payment for that month of {$35.00}. The call was recorded and the rep confirmed that my payment was applied to the promotional balance on XX/XX/22. I am requesting a full refund of the accrued interest charge of over {$500.00}. On XX/XX/22 I was on the phone for XXXX hours and spoke to several people and no one would correct their mistake. The interest charge did not show up until my XXXX payment. The recording clearly states where the payment was applied. These are deceptive, abusive, and unfair practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-27
Company: Seterus, Inc.
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Seterus has systematically misapplied my payments and then harassed me for payment. In the past, I had to send a separate fax requesting that any overpayment amount be applied to the principal balance each time I made a payment. Otherwise the overpayment would be put into escrow. All of a sudden, they started applying the entire payment to principal, charging late fees for missing payments and start harassing me by phone for an additional payment. Each time, I had to go digging up payment information to prove I already made the payment. They correct their error, credited the late fees and then made the same error again the following month. After the 3rd time I was then told it was because I did not tell the person that took the payment that they needed to use a special code to make sure the payment that I 'm making is applied properly. However, according to the letter they sent me in reply to my request for compensation they wrote " When payment is received, it is first applied to satisfy the next open installment on the loan. '' So if my payment is due on the XXXX and I make a payment 1 or 2 days before the due date, then logically the payment due on the XXXX would be the next open installment. Even in their reply letter they acknowledged making the error again stating " that another payment in the amount of {$1000.00} was received on XXXX XXXX, 2016 and was applied to the loan as a principal balance reduction. '' This was a payment that I specifically made by phone and requested that the special code be used to make sure it was applied properly, but it was n't done. There needs to be some kind of accountability. The last harassing call I receive the caller refused to call my wife. I repeatedly requested she speak to my wife since I was not able to provide the information on the payment that was made at the moment. Even after explaining that I was in a business meeting and was not able to stay on the phone. She kept insisting that I make a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-20
Company: WELLS FARGO & COMPANY
State: WI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
This complaint is in reference to case XXXX. Wells Fargo representative XXXX XXXX has been in contact with us via US Postal service asking for more time to address our concerns. He contacted us via U.S. Postal service twice. XXXX letter dated XXXX XXXX which we received on XXXX, and the second letter dated XXXX XXXX also received on XXXX. It asks for our patients while they research. We have no problem with an additional 60 days for answers to our concerns. Wells Fargo attorney, XXXX attorney XXXX XXXX has changed our foreclosure hearing to XXXX XXXX. 
We are requesting additional time to review Wells Fargo 's research. We require additional time from the requested time line Wells Fargo has requested to sign documents we do not understand.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I am a victim of identity theft and did not make the charge or the account. I ask that the account be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Experian is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotionally, physically & financially... and I would truly not what to pursue a legal remedy... Please delete this straightaway : 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 2016-09-22
Company: WELLS FARGO & COMPANY
State: AK
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
-Wells Fargo harassed a XXXX and violated both protective orders and his civil rights under the Fair Debt Collection Practices Act -Wells Fargo perpetrated XXXX-fraud and financial exploitation by creating a fraudulent line of credit, charged to a senior without his knowledge, understanding or any benefit to him, and then collected from him on it despite his protests -Wells Fargo showed bad faith, taking from XX/XX/XXXX to XX/XX/XXXX to " investigate '' the elder-fraud, then stated that there was no fraud, then stated there actually was only when told that an advocate would not waive XXXX XXXX legal rights -Wells Fargo has ignored and continues to ignore requests to restore the money it took from a XXXX based on a fraudulent loan that it issued despite written acknowledgement by a Wells Fargo attorney that it is indeed fraudulent

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 2022-11-15
Company: Experian Information Solutions Inc.
State: MN
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 XXXX Account 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 has violated my rights. 
15 U.S.C 1681 section 602 A. States I have rights to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 2022-11-15
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
Hello, I am writing in order to complain about the incorrect information that is reporting in my credit report. I am talking about this item : XXXXXXXX XXXX XXXX XXXX I have never had this account, I don't recognize it. I did not check my credit report because I had everything excellent but recently when I took a look I realized that this is complete error. I ask you to make investigation and remove this item from my report. 

Thank you in advance!

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 2016-01-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO
Product: Credit card
Issue: Transaction issue

Complaint:
BofA card. Booked flight 0nXXXX/XXXX online. Recieved call from BofA fraud to check charge. Confirmed all of my info. Was told everything checked out. Recieved itinerary from airline. Checked card balance on XXXX. Balance was short airline charge. I called BofA to find out why and I was told they declined the charge. My credit rating is excellent, and I carry a very low balance ( balance was {$300.00} dollars at time of booking. Credit limit of {$8000.00}. ) But they approved the charge from the internet booking company for {$12.00}. I then needed to rebook my trip, and the cheapest flights we could find were {$300.00} more than previous. Flights were rebooked on my wifes credit card, as we no longer trust BofA. BofA is directly responsible for this charge, but they refuse to pay. Card was cancelled on XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15
Company: Experian Information Solutions Inc.
State: NV
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:
A few months back I tried applying for a home through FHA and was denied. I requested to have my credit report pulled and noticed unauthorized inquires that were not made by me or from me. The inquires are as follows ... Inquiry : XXXX XXXX, XXXX XXXX ( Date of inquiry : XX/XX/XXXX ) Inquiry : XXXX XXXX XXXX  ( Date of inquiryXX/XX/XXXX ) Inquiry : XXXX ( Date of inquiry : XX/XX/XXXX ) Inquiry : XXXX ( Date of inquiry : XX/XX/XXXX ) Inquiry : XXXX  ( Date of inquiry : XX/XX/XXXX ) Inquiry : XXXX XXXX XXXX ( Date of inquiry XXXX XX/XX/XXXX ) Inquiry : XXXX XXXX  ( Date of inquiry XXXX XX/XX/XXXX XXXX. I filed a dispute with Experian and was told to contact the creditor. The creditors wasnt any help so I reached out to Experian and was told to file a CFPB complaint and or a police report and a FTC report and send it in. It is XX/XX/XXXX and im still not satisfied with the results.

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 2022-11-15
Company: Experian Information Solutions 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:
I submitted a letter to the XXXX Credit Bureaus to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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 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 2017-02-07
Company: JPMORGAN CHASE & CO.
State: GA
Product: Credit card
Issue: Rewards

Complaint:
I got a new Chase XXXX credit card in XXXX due to the XXXX XXXX bonus points offer that was affiliated with the card. I called and was told that I had to spend the {$2000.00} required and then pay my statement and the points would hit in about six weeks time. 

I met the spending requirement just shy of the new year and the ChaseXXXX did the points transfer immediately as opposed to what I was told. I needed this points to hit in XXXX though, not XXXX, as the whole objective was for me to get points towards the companion pass with XXXX. I called them to get corrected and they apologized for the issues, but said there was nothing they can do. I would just like these points moved into XXXX recognition. Feels like they intentionally expedited this process to keep me from hitting this threshold.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15
Company: CL Holdings LLC
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
JEFFERSON CAPITAL SYSTEMS LLC is communicating with me ( a consumer ) in connection with collection of an alleged debt that I do not owe. They do not have my consent to communicate with me. JEFFERSON CAPITAL SYSTEMS LLC has my personal private information without my consent. This is identity theft. They are a third party debt collector who purchased this alleged debt from XXXX XXXX XXXX. No consent from me to communicate with me is a violation of the Fair Debt Collection Practices Act. They are reporting inaccurate, incomplete, negative and damaging collection information to my consumer report with XXXX, XXXX, and XXXX. 
Pursuant to 15 USC 1692c, I am notifying JEFFERSON CAPITAL SYSTEMS LLC that I refuse to pay the alleged debt and I wish for them to cease further communication with me which included reporting information to my consumer report. The only communication allowed aside from what 15 USC 1692c ( c ) allows is a copy of the AGGRAVATED VALUE OF PURCHASE which will show how much they purchased this alleged debt for as they are extorting me for payment in the amount of {$10000.00}. If they did not purchase this alleged debt for {$10000.00} then they are sharing false & misleading information.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-17
Company: WELLS FARGO & COMPANY
State: AK
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
My husband passed away XX/XX/XXXX. I contacted Wells Fargo Home Equity, XXXX mtg, to let them know and to please send all correspondence to a PO Box . ( I am NOT on the XXXX mortgage ) Our correspondence for this mortgage for the past 10 years had been going to his business and I had to shut down the business XX/XX/XXXX ( I explained this to Wells ). Wells refused to change the address to a PO Box and changed the address to our home address. I explained to them several times that our mail is on a busy street and we do not like any financial information to be left in that mail box for the reason we have had stolen mail - PRIVACY ISSUES. They, Wells Fargo Equity, refused to change the mailing from property address to PO Box , as I am not on the XXXX mortgage. I am on the XXXX mortgage that is with Wells Fargo Home Mortgage. I sent to Wells Fargo Equity the death certificate and deed showing that I am his wife, as they requested in order to do this. They still would not change the address and will not give me access to the account. I did not get any statements but one XX/XX/XXXX. XX/XX/XXXX I received a letter from XXXX XXXX that my property was going into foreclosure. I used the XX/XX/XXXX statement to figure out how to get this loan current and brought payment to Wells Fargo Bank on XXXX XXXX and they had to change the check into a cashiers check. I was told by Wells Fargo Bank that if I had not made payment by XXXX XXXX, the foreclosure proceeding would start. On XXXX XXXX I received a letter from Wells Fargo Equity, dated XXXX XXXX, that they were proceeding with foreclosure. Wells Fargo Equity indicated that they sent me by mail notification for loan modification. I have not received any information for a loan modification or foreclosure at the home address. My husband is deceased. I have not worked in three years. I have been working on closing business down and trying to get caught up. I do not qualify for anything, but can keep up with payments if they, Wells Fargo Equity, would send me payment information to my POBOX. My complaint is that they knew all this information and put me in a bad and very XXXX position. I have told them I am willing to try and continue to make payments and I have put the property up for sale. I need them to change the address to the PO Box and give me information regarding payments received/made. I am not trying to dodge payment, I am trying to make payments. I have given them documentation that has been requested for this to happen. Yet I am refused information on the loan to make payments. How is it that Wells Fargo Equity can say in a letter that they have sent me information, yet I did not get it? IF they are or have sent such information to home address, my privacy HAS BEEN VIOLATED.

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 2022-11-15
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
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:
I received a text message from what appeared to be Huntington Bank asking me if I had authorized an {$800.00} XXXX payment to someone named XXXX XXXX I was prompted to text Yes or No if it was an approved XXXX payment. I texted No and then received another text saying the Fraud Team would be calling me. I received a call from a man claiming to be XXXX XXXX. He said there were two XXXX transactions, one for {$800.00} and one for {$700.00} totaling {$1500.00}. I was at work preparing for a meeting and wasnt paying full attention but The number the guy was calling from showed up as Huntington Customer Service number listed on XXXX so I thought it was legit. He said that my account was on hold and he needed to help me get my money back by sending a XXXX for {$800.00} and another one for {$700.00} under my name. He said he needed my user name and password since the account was on hold and hed help with resetting the info, I let my guard down since the phone number matched XXXX and unknowingly provided this sensitive information and he walked me through how to XXXX myself the money so Id get it back. He said it was going to his managers phone number XXXX and his managers name was XXXX. I did as instructed and he said to hold a minute then disconnected the phone. I called and filed a dispute with a digital rep at Huntington named XXXX. I told her I did not authorize these payments to anyone and was told by this person whom I thought worked for Huntington the {$1500.00} was going to be back in my account soon. XXXX processed a dispute number XXXX and told me go to the branch bank and cancel my checking account to get a new one which I did today. I was told by XXXX it would take 10 days to here back from the Fraud team and possibly up to 45 days. She said normally the bank issues a temporary credit in 10 days however, the bank can deem me at fault and take the money back. This is no different then someone fraudulently charging my debit card in my opinion but the bank rep I talked to at the branch said theres a slim chance I would ever get my money back. I spoke with another digital rep tonight at Huntington named XXXX who said I have about a 30 percent chance for getting money back. This is totally not fair. I swear the guy on the phone claiming to be XXXX XXXX with the Huntington Fraud Team sounded legitimate and totally fooled me into believing he worked for Huntington. Please help me to get my {$1500.00} back! Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-08-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
This original credit card " Bank of America '' debt ( account # XXXX ) in the amount of or close to {$28000.00} which has had no activity, payments and or correspondence in more than ( 6 ) years, has more than exceeded the legal California time statue to legally collect. I would like a letter from the current and or previous collection agencies ( BELOW ) stating for on " my behalf '' that THE EXPIRATION OF THE STATUE OF LIMITATIONS LIMITS THEIR ABILITY TO PURSUE LEGAL REMEDIES NOW AND OR IN THE FUTURE ON THIS BANK OF AMERICA CREDIT CARD IN THE AMOUNT OF OR CLOSE TO {$28000.00}. Also, would appreciate if they could also, to inform and or remove this negative mark if possible from The XXXX Credit Bureau and or other credit agencies ASAP. 

BELOW ARE THE PREVIOUS AND OR CURRENT COLLECTION AGENCIES PERTAINING TO THIS Bank Of America Debt. 

1. ) XXXX ( their account # XXXXAddress : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX, XXXX XXXXPhone : ( XXXX ) XXXX. ) XXXX ( their account # XXXXAddress : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX, XXXX. XXXX : ( XXXX ) XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I 've credited with bank of America. I lost my credit cards and also report to the bank and requested a new cards but never receive a new cards in mail. Recently I check my bank using online mobile app and it shown unnoticed balance as well with tremendous interest charge which I have no clue about.

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