BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-11-02
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Application, originator, mortgage broker

Complaint:
I was recently made aware that my name and financial information appears in a WELLS FARGO Loan Modification of a property I had, about 10 years ago, signed off to my ex partner and our children. I was under the impression I had no legal matters in this property since I had signed the Quit Claim Deed and financial responsibility papers, but apparently my ex processed the papers to take me out of the title, but not out of the loan. She then found herself having to apply for a loan modification, and the bank allowed her to process it without my knowledge even though apparently my name is still on it. I appear as the principal borrower, since my ex does not have an income, but nevertheless I was never contacted, I never signed any papers and never provided any income verification or any information whatsoever. I have tried many times to get an answer from WELLS FARGO by phone and also by walking into one of one of their branches, but all I get is a lot of unacceptable excuses. By phone I am told that since I do not appear on the title, I did not have to sign the loan. I have requested the Loan Modification papers that were signed, and all I get in the mail are papers unrelated to my request. When I walked into the branch, the person that was helping me with my questions quickly called the manager, just to hear from her that they could not help me there. I asked to be given the address of the office I need to go to, and her response was that there was not such a place, that the modifications were done by phone and that there was no physical place I could go to. She then proceeded to asked me to leave because she had others to attend to. I was even escorted out.

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 2017-05-13
Company: AMERICAN EXPRESS COMPANY
State: AR
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Unexpected or other fees

Complaint:
On  XXXX   XXXX ,    2017, I pu rchase d 2 American Express gift c ards for {$25.00} each. I was aware that bank gift cards usually have a fee attached to them but the packaging of the gift card clearly spelled out " no fee charged. '' The next day I looked at the receipt I had for the Gift cards that were purchased at our local  XXXX  store and noticed a n Am E x fee of {$3.00} charged per card. I called  American Express  customer contact number and told the company rep the problem. He informed me that the charge was for the plastic card itself and not a fee. My complaint is that the price for the card is not clearly stated on the packaging as is the clearly stated " no fee charge. '' I feel this to be a deceptive practice. Prices of any product you wish to purchase are clearly stated on the product 's packaging.   I as an average consumer was not properly informed about the true cost of the product I purchased. It is fine with me  if American Express is going to c harge for the plastic but let me know clearly up front so I am aware of the cost.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-13
Company: SYNCHRONY FINANCIAL
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
Thursda y  XX/XX/XXXX  Syn chrony called our house at  XXXX   XXXX . The person had a heavy accept most likely from  XXXX . The last name was ours,  XXXX . I could n't understand the first name. I said I could not understand but why are you calling at  XXXX   XXXX . The person hung up.   I called the number back. It was indee d Synchony Financial.  We have excellent credit and our  XXXX  accounts are ahead of schedule. I 'm paying off  XXXX  this month. It is due next year.  The other w ill be paid off by the end of ''tis year. It 's due     XXXX   2019.     The person apologized after looking up our accounts - not before. In fact when I said  XXXX   XXXX  her response was she must have thought I was on th e East Coast. T he area code is California. She supposedly submitted a customer complaint. I doubt it. I did n't get a copy.   I asked for an apology frim the caller during normal hours. I doubt sny action has been taken and another person with excellent credit who is paying off the card earlier than the promotional period will be woken by this person.

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 2015-11-25
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Both accounts on my credit report are misreporting a rolling charge off. Many months if not more than a year. 
XXXX ( Experian ) # XXXX for misreporting a rolling charge offXXXX ( XXXX ) # XXXX, ( Experian ) XXXX XXXX for misreporting a rolling charge off

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-11
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
Peoples Bank is practicing what they called XXXX banking in the XXXX 's. It began by the bank charging {$10.00} on a small checking account. When I called to close the account I was told I had to drive from XXXX to XXXX. Instead I wrote a check to take the balance to zero. They chose to accept a direct debit against a zero balance of XXXX to collect a XXXX fee. Any review of the notes they could have easily seen I wanted to close the account. Instead they continued to charge service fees on a zero balance accounts Today this day is why the XXXX distrusts the XXXX banks

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-01-12
Company: BYL Collection Services
State: MD
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I was covered by XXXX at the time of service. When notified that I was being billed, I filled out the back of the bill and sent it back with my XXXX info. There are XXXX delinquent accounts by the same collector, XXXX were covered by my XXXX benefits.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-13
Company: TRANSWORLD SYSTEMS INC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
Transworld Systems Inc.  sent me a letter after I had sent them a written request not to contact me again in any form.  Transworld Systems  proceeded to send me a letter after they received my cease and desist letter. T ransworld Systems  flagrantly violated the  Fair Debt Collections Practices Act  with their communication after receiving my written demand not to contact me in any form.  Transworld Systems  is flagrantly violating the  F  air Debt Collections Practices Act .

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Credit Card Due Date is the XXXX of each month, I made a payment on the XXXX to keep the account current. On the XXXX of that same month, I paid the entire balance off. The credit card company charged me interest on the prior balance for the entire 30 days on the next billing cycle. 
When I contacted the credit card company and explained they stated that they charge interest on the balance for the entire XXXX cycle, I explained that interest should only be charged from the XXXX to the XXXX when I paid the balance off. 
I tried to escalate internally but and reached a supervisor, this individual did not help, when I asked to file a case to have this reviewed they stated that there is no case to be filed. I asked to speak to their supervisor but was told that they do not have a supervisor.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-29
Company: NAVY FEDERAL CREDIT UNION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I have had this card for 4 years and last few years Ive had personal stuff going on that resulted in a injury and time off work. I contacted NFCu both times letting them know my circumstances even after I told them I kept trying to make my payments. I even had it to where I was only XXXX over the limit. Right when I paid my payment the interest hit again resulting in my payment making no impact. Which it has done continuously. 
They then told me they would work w me however the interest still hit resulting in over XXXX a month payments. Which was hard to do given being on workers comp and off work for an injury. 
They then promised they would lower my payment and keep my card open. However after that was promised they turned around and closed my card saying that my payments were missed in the past and they couldnt keep it open. Yes it was missed but thats why I contacted them to work w them. They lie non stop and promise customers that they would work w them when in general they over draw your acct more by tagging on more interest to the point that you are now over the limit by XXXX. They also asked me to pay XXXX a month on this cc. 
Not to mention being harassed two to three times a day w phone calls. Its ridiculous. Then you get threatened for being sued, credit reporting and so on. 
I have tried several times to work things out w NFCU but they are impossible. Even with XXXX hitting and me being on XXXX XXXX for a year they didnt even work w me. 
I would like help on this. I now owe XXXX on a XXXX cc w them. They guaranteed my card would stay open and lied about it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-13
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: MN
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened an account with a coupon that I would receive a promotional credit upon meeting requirements. I met the requirements ( the bank confirmed this ), but the banker did n't add the promo code despite assuring me that they did, so I did n't receive the promotion. When I called their toll-free number, they would n't resolve the issue.

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 2017-05-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
On  XXXX / XXXX / 2017  I sent through this portal a demand for an investigation of items on my credit report. The case number to this complaint is  XXXX . As you can see as of today  XXXX / XXXX / 2017  that Transunion has not provided a response to the investigation. I have called and spoken to there customer service team on  XXXX / XXXX /   2017  and was informed that the investigation was still pending 34 days after the start of the investigation. there is no wiggle room in the FRCA when it comes to investigations, your either comply, or you do n't. They are obviously not in compliance. When this complaint is received on Monday  XXXX / XXXX /   2017  the investigation will be in its 37th day. I did not waive time so they need to comply with the FRCA.

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 2015-10-28
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: NC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I had my mortgage loan bought by Bayview Loan Servicing , LLC . Subsequently I am in the position to sell my house and the Law firm doing the closing requested a Loan payoff amount eight days prior to the closing. The law firm never received anything and they called Bayview two days before the closing. Bayview told them they could not provide information to them over the phone but I, as the owner, could get the needed information. I called and was told I could not get the info over the phone either. I requested the payoff amount through Bayview 's website and now was told it would take 48 - 72 hours. I tried calling back to speak with a supervisor to try to escalate the process and was forwarded to a voice message. I called back again and after an excessive wait was told a supervisor would not be able to speak with me for at least another hour and asked if the supervisor could just call me back. I finally agreed and never received a return call. I called again this morning and same scenario that the supervisor was handling other calls and would call me back. For something as simple as a payoff amount I can not get anyone to provide information to me. The law firm is experiencing the same lack of customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-10
Company: WESTERN UNION COMPANY, THE
State: MI
Product: Money transfers
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
On XXXX XXXX, 2016 at XXXX I sent over money to XXXX . I called Western Union and they put me on hold for a half an hour. I spoke with a representative explaining my problem and he told me that I had to speak with someone else. I was then put on hold for another 20 minutes. Finally I was able to get through to someone and the then stated that I needed to be interviewed. I said that was fine, and answered all questions that were asked. They stated everything was all set, but in reality the money is still on hold with Western Union! 
I called yesterday, XXXX XXXX, 2016 and again had to wait 20 minutes on hold, had to be re-interviewed with the same questions I had answered already the prior week. Today is XXXX XXXX, 2016 and the money still has not been sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-28
Company: NAVY FEDERAL CREDIT UNION
State: OH
Product: Credit card
Issue: Transaction issue

Complaint:
I attempted to purchase a dating service from a merchant called " XXXX ''. The merchant charged {$3000.00} on my credit card and provided no service. The merchant claims there is a contract and the funds can not be returned. However, I did not sign any contract and requested the merchant to cancel the service. I informed Navy Federal Credit Union to dispute the transaction more in early XXXX 2016. It is now more than 50 days since the dispute was filed and the merchant has not responded. Navy Federal Credit Union is now requesting another 45 days for the dispute. From my understanding, if the merchant has not responded, the credit must be issued to my account by federal law. How long should this bank give the merchant? If another 45 days is allowed, we are looking at about 100 days total. It appears the bank is assisting the merchant to process a fraudulent transaction.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX   XXXX ,  XXXX  CFPB : J  XXXX   denies me credit as retaliation for complaints that I have filed against  XXXX  and disparages me to other financial institutions, causing them to also deny me credit. Because of that, I have been homeless and automobileless for the past  five ( 5 ) y ears.   XXXX    claims that I owe it over {$140.00} on my   XXXX    Visa Platinum C redit Card, in information that it has supplied to Credit Bureaus. In its Affidavit of Mortgagee on ARM Loan  XXXX ,  XXXX   XXXX ,  XXXX ,   XXXX    alleges that it performed more than {$140.00} of Maintenance  on my   XXXX   XXXX       XXXX   XXXX   XXXX ,  XXXX , IL  XXXX , built by my parents,  XXXX  and  XXXX , in  XXXX . In fact, NO Maintenance had been performed. I perform my own Maintenance.   XXXX    thr eatened to take away my    XXXX   XXXX   and t he personal property of  XXXX   XXXX   XXXX   XXXX  generations of my family, if I did not pay the Undeserved Maintenance Fee.   XXXX   intimidated me into paying the Undeserved Maintenance Fee.   I demand that  XXXX  remove ALL negative information that it has supplied on me to Credit Bureaus, as the Undeserved Maintenance Fee, that I paid, more than covers the alleged Outstanding Balance on my    XXXX   Vis  a Platinum Credit  Card.   If CFPB can not get   XXXX   to agree to this, then I request CFPB to get   XXXX   to accept payment from my   XXXX   Checking Account to Completely Pay Off the alleged Outstanding Balance on my   XXXX    Visa Platinum Credit Card. And remove the negative   information.     Sincerely,  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 explanation
Consumer complaint received 2017-05-13
Company: GREAT LAKES
State: OR
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:
XXXX   XXXX   XXXX    : I finished my 9 month student loan re-habilitation to get out of default and my loan was transferred to Great Lakes.        XXXX   XXXX   XXXX    :  I setup a {$1 60.00} monthly auto-pay through Great Lakes at mygreatlakes.org for the   XXXX   of every month.   I make a {$160.00} paymen t ( not a uto-pay ).         XXXX   XXXX   XXXX     : I receive notification my  XX/XX/XXXX  payment did not go through due to " invalid routing number '' they say.   I contacted support and they re-entered all of my banking information.   Support says its fixed, but my  XXXX  payment is never processed.       XXXX   XXXX   XXXX   : I receive a notification I am enrolled in auto-pay for {$160.00} and my next payment will be withdrawn on  XX/XX/XXXX    XXXX   XXXX   XXXX   : My first auto-pay for {$160.00} is processed successfully.       XXXX   XXXX   XXXX   : I receive confirmation my next auto-pay will be  XX/XX/XXXX    XXXX   XXXX   XXXX   : My second auto-pay for {$160.00} is processed successfully.       XXXX   XXXX   XXXX   : I receive confirmation my next auto-pay will be   XXXX     XXXX   XXXX   XXXX   : No auto-pay is made, and I am not aware of this until I check my account statements in  XXXX .       XXXX   XXXX   XXXX   : They withdraw {$69.00} for an auto-pay on a date I did not schedule, and an amount I did not authorize.       -- -- I am going to make an attempt to correct this with their support on Monday, but I feel this is a pretty grievous mess-up on their part and am very concerned my loan status could be affected by their mistakes.     I also feel like they are doing this on purpose so that now I have to pay more interest ...

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Settlement process and costs

Complaint:
We had our home mortage with Capital One Bank and when we got ready to sell we got a pay off from them. we were suppose to close on the XXXX of XXXX and so they sent pay off to title company. When we found out we were going to close on XXXX of XXXX instead we called them and asked for another pay off. We did have a account with Capital One and had closed our account around XXXX of XXXX. Anyway they said on the phone everything was ok and so they sent new pay off to title company for XXXX XXXX. The agent at title company sent extra since the XXXX was a holiday and knew it would not get to bank til XXXX. On the XXXX of XXXX. I got a call from bank telling me that we owed another XXXX because the house loan was not paid off. I went and tried to pay the payment but was told first they would take cash then told they could n't take cash they needed a bank account which at that time I gave them. Then I was told it was now XXXX because of interest. When I got home I called the title company and they said they got both pay offs and went by the latest one. They sent what the bank reported to them and I did n't owe them because it was the banks mistake. The bank says my XXXX payment was not made and that was the reason. My payment was due on XXXX of XXXX but had 15 days grace and since we were paying off on XXXX they were told no payment was being made. My problem is when the title company and I called the bank they said they only up date and send new payoffs when asked. We had already gotten XXXX payoffs and they made the mistake and yet we were suppose to pay for them not doing their job The bank was called because they had loan and it is their job to figure out what is owed in order to close loan out.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-13
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
trying to remove these accounts  XXXX , from  XXXX ,  XXXX , and Experian.

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