BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2024-01-18
Company: TRUIST FINANCIAL CORPORATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I have filed multiple complaints alleging multiple problems with Truist Bank ( formal SunTrust ) regarding : 1. {$700.00} unpaid promotional bonus ; 2. {$25000.00} unpaid Small Business PPP forgiveness loan ; 3. Unpaid several claims {$130.00} ; {$23.00} ; {$120.00} etc ; 4. Severe Violation of my Privacy {$25000.00} ; 5.Health damages $ XXXX for 4 years etc. On or about XX/XX/XXXX a Truist Client Resolution Specialist emailed me a complaint # XXXX regarding the above alleged problems. I have sent multiple responses to Truist Client Resolution Team member XXXX XXXX, branch member XXXX XXXX and branch team XXXX XXXX XXXX regarding immediate resolution and all related financial losses for 4 years including dropping alleged proof on XX/XX/XXXX to the XXXX XXXX branch window teller. According to the proof, I completed a promotional requirement for business checking to offer a {$200.00} bonus ( code : XXXX ) by depositing {$1500.00} accumulated within 30 days after account opening. As far as personal checking account {$500.00} bonus ( code : XXXX ) it was related to unfair employment practice by the federal government ( see court lawsuits ). I did present the promotion code and copies to the banker at the time of the new accounts opening on XX/XX/XXXX as terms and conditions. I pushed this matter from the end of XXXX XXXX XXXX otherwise I wouldn't open these two accounts in XXXX. On XX/XX/XXXX I also submitted a PayCheck Protection forgiveness application via Truist Business Online Portal before the due date XXXX XXXX XXXX  to claim {$25000.00} small business assistance. I sent both copies to XXXX XXXX branch on XXXX XXXX XXXX Further, according to the XXXX debit card agreement, consumers have 60 days to file a claim concerning multiple issues such as : defective product {$130.00} ; unacceptable services {$23.00} ; Overcharged bill {$120.00} etc. I have filed claims within 60 days and completed requested forms in a timely manner ; Damage customer credit in XX/XX/XXXX for reporting fraudulent information {$10000.00} plus fees to three credit bureaus as retaliation; Finally, Truist bank severely violated my privacy such as : failure to provide authentication code for login, failure to block unauthorized phone access ; banking related notary ; intentional vandalism and confuse issues ; treat customer in a hostile way by referring me from branch to XXXX XXXX XXXX XXXX ; XXXX XXXX  etc. From the end of XXXX XXXX XXXX this bank never assists me to achieve financial gain per my asking. Each issue has been denied and closed by Truist. I certify the subject statement is true and correct and based on my best personal acknowledgement.Please ask for evidence from XXXX XXXX XXXX submitted on 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 2024-01-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX, between XXXXXXXX XXXX XXXX XXXX XXXX I deposited a total of {$4900.00} into the Bank of America ATM IDXXXX XXXXXXXX ( check ATM camera ) located at XXXX XXXX XXXX XXXX in XXXX XXXX CA, of that amount the ATM only accepted {$3600.00} and returned {$1300.00} back to me. I attempted to redeposit the remaining {$1300.00} multiple times ( XXXX times ), every time I inserted the money, the ATM would try to count the money making the fast-ticking counting sound and returning the money back to me. On the XXXX attempt, the ATM did the same action, the fast-ticking counting sound, and the the insert money window tried to open multiple times making a strange sound and suddenly the screen turned off, kept my {$1300.00} deposit, and displayed a message to contact Bank of America because the ATM is temporarily unavailable. I immediately called Bank of America to report this matter. 
On XX/XX/XXXX, I get a message in my banking app with the resolution We adjusted your claim because we received {$100.00} in cash for your deposit. Since we gave you a temporary credit, well debit your account {$1200.00} on XX/XX/XXXX. This resolution is NOT ACCEPTABLE because I deposited {$1300.00} on that ATM before malfunctioning and I do not know how investigators do their job. I went to the location where those ATM machines were and they are no longer there, I spoke to the employees on site, and they said that the XXXX was broken-in and that these ATM machines were stolen.

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 2024-01-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
From XX/XX/XXXX to XX/XX/XXXX my Bank of America Edd card was being used with out my knowledge nor consent I have sent in numbers of police reports they are still saying I had knowledge

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 2024-01-18
Company: ProCollect, Inc.
State: MO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
The account closed still reporting has if its open

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 2024-01-18
Company: SLM CORPORATION
State: NY
Product: Credit reporting 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, this creditor has violated my rights. Under 15 USC 1681 Section 602 states I have the right to privacy. 15 USC 1681 Section 604A Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B a creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-17
Company: ProCollect, Inc.
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I, XXXX XXXX called them twice in the past year. I noticed a negative mark on my credit, not knowing why because I just turned XXXX. I called the collection agency Procollect INC they said that theyve been sending letters and calling me to collect this debt. Which I never got, I didnt even have a phone nor my own address because I was a XXXX I mentioned that I disputed with them many of times for the account with the original creditor being made while a XXXX I sent an email to who Procollect INC told me with a copy of my birth certificate for proof of my age to Procollect INC. No one ever got back to me. Procollect INC also told me to try and contact the original creditor XXXX XXXX. I called the original creditor XXXX XXXX. They needed information like the account number and the number used to make the utility account. I didnt have any of that.

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 2023-12-16
Company: MOHELA
State: OH
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 am on the PAYE IDR plan, and I am also in the PSLF program, so my loan servicer is MOHELA. Pursuant to Department of Ed regulations, if my recertification date post-pause is within 6-months of payments restarting, my recertification date should be pushed out 12 months. MOHELA has not updated my recertification date from XX/XX/XXXX to XX/XX/XXXX. This has been going on for months and is an easy fix. 

I have filed a complaint with MOHELA internally, I have also filed a complaint on Student Aid 's website. I have talked with two MOHELA reps who did not know why my recertification date was earlier than 6 months, but kept trying to push me to recertify early instead ( which would have made me ineligible for the 12 month push out of my recertification ). What MOHELA is doing violates Department of Education rules on how soon borrowers are supposed to recertify their income. 

MOHELA is now threatening to take me off my IDR plan, which will cause my monthly payments to spike from roughly {$99.00} to over {$1200.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-24
Company: CITIBANK, N.A.
State: NV
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I haven't used the Credit Card for more than 20 months, I received the offer on XX/XX/year>, will earn {$300.00} statement credit when I make {$500.00} or more eligible purchases from XXXX XX/XX/year> or they will close the account. The previous purchase total of {$360.00} through XX/XX/year>. I purchased the air pod at XXXX in the amount of $ XXXXon XXXX received the item on XX/XX/year>. XXXX sent me the invoice that billed to my Credit Card and copy of delivered notice XX/XX/year>. I did not purchase it on XX/XX/year>. The merchant will not charge my credit card after the item was delivered it to me. I reviewed the statements and all the previous purchase dates were different than the actual purchase date. I reached out to Citibank and the agent told me that I purchased the item on XX/XX/year>. I didn't agree with that so I requested to speak with the supervisor. The supervisor told me that when I purchase the stuff on the actual date, the transactions will be posted to the card in 2 days later and then retroactive to the date that I purchased. I attached the copy of the invoice and delivered notice from XXXX. The supervisor told me that I purchased the item on XX/XX/year> and it's not true. The supervisor hung up on me and wasn't professional.

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 2024-01-24
Company: SLM CORPORATION
State: NJ
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
I requested a payment plan to help lower XXXX of my loans. I am struggling in life and trying my hardest to financially get by. I am XXXX XXXX and going through financial hardship. I dont know what else to do or what else Sallie Mae can do to help me. I worry about my wellbeing and I feel taunted by Sallie Mae. I make payments which does nothing to my total balance because of interest. I feel stuck like I am going nowhere in life. Especially now Sallie Mae marked my account as more than 60 days past due. I paid the amount due and I paid the past due amount. I provided proof of payment and I requested for Sallie Mae to take away the delinquency remarks from my credit report. They reviewed my dispute and did nothing about my credit. This happened before! They dont care about anyones wellbeing they just want their money. They dont care if someone passes away owing them money. If theres anything someone can learn from my experience, please never borrow from private loans when attending higher education. I was pressured by my XXXX XXXX guidance counselor and my single mother to go to XXXX. I didnt qualify for XXXX I wasnt sure what to get my degree in and I failed myself for not getting the accurate therapy in childhood and early adulthood. I had mental breakdowns every semester and I begged my mother to let me come home. Instead she would ask me to stay and push through. Even though I graduated from school I am now drowning in debt. Please do your best in high school to get scholarships and full rides. If youre someone like me start off at a XXXX XXXX then transfer to a XXXX XXXX XXXXXXXX. This way youre not drowning in debt. I literally get sick to my stomach when I open my Sallie Mae app. I know Im not the only one going through this experience. Please save yourself and stay away from Sallie Mae and other other private lenders.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-24
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
This is in response to the bank 's response to our previous CFPB complaint : USBANK did credit our account AFTER you forwarded them our complaint. However, their response is misleading. Within a day of our account being debited the altered check amounts we notified them, BEFORE the funds were dispersed to the forgers. This wasn't a difficult forgery case to solve, the memo area on both altered checks had not been removed and clearly said " IRS est tax pmt '' and " Calif est tax pmt '' along with my TID #. The " pay to '' line and the check amounts had been changed. It would be obvious to anyone that such payments aren't made to individuals. Yet it took almost 4 months to get our funds back!! This is gross incompetence at the very least!

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 2024-01-16
Company: CREDIT ACCEPTANCE CORPORATION
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Credit Acceptance Corp XXXX - closed account XX/XX/XXXX XXXX - open account original balance - {$7200.00} past due {$9200.00} - date open XXXXXXXX status update XXXX XXXXXXXX balance updated XXXX - XX/XX/XXXX the account was removed then added without proper notice of within 5 days of a reinsertion letter according to FDCPA and my credit account reported it 100 % paid off and on time XXXX - original balance - {$7200.00} past due {$9200.00} - date open XXXX status update XXXX XXXXXXXX balance updated XXXX Reporting illegal transaction history. 

XXXX & XXXX are saying they validated my consumer report with creditor when FDCPA 15 usc 1681 ( A ) 2 ( E ) - investigative consumer report must be obtained through neighbors ALL of these are also violations of The Privacy Act of 1974

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 2023-11-29
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting 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, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions ( XXXX  ) I DID NOT GIVE REPORTING COMPANY WRIITEN PERMISSION TO REPORT ACCOUNT. MY RIGHTS HAS BEEN VIOLATED Improper use of my credit report shared without my consent reporting company used my report improperly

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-23
Company: WELLS FARGO & COMPANY
State: CA
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 bank statement from Wells Fargo and noted that my account was low. I went to the Wells Fargo branch in XXXX XXXX on XX/XX/XXXX to inquire about my low balances. I was informed there appeared to be large fraudulent transactions in XX/XX/XXXX and XX/XX/XXXX and the branch manager said they saw small fraudulent transactions starting in XX/XX/XXXX of about {$500.00} on average, however, the balances significantly increased in XX/XX/XXXX. In XX/XX/XXXX, there were fraudulent transactions totaling {$6700.00}. In XX/XX/XXXX, there were fraudulent transactions totaling {$6700.00} and in XXXX there were fraudulent transactions totaling {$9700.00} and in XX/XX/XXXX there were fraudulent transactions totaling {$8600.00}. Since XX/XX/XXXX there have been various transactions with various amounts to the same company on the same day. I did not use these companies ' services or products. Their fraud alert system did not catch these transactions. I called Wells Fargo and I was informed they were going to investigate. I received a notification on XX/XX/XXXX notifying me my claim was closed and was only reimbursed {$1400.00} which was a fraudulent transaction they flagged on XX/XX/XXXX which I was not notified about due to their 60-day policy. I was not informed this was the first fraudulent transaction and therefore only received this amount. I spent an hour talking to XXXX from their claims team and he did not want to reopen my case or open up a new one and I lost my savings. Per Wells Fargo, they have a Zero Liability policy which states " Your Wells Fargo Debit Card comes with Zero Liability protection at no extra cost. Its built-in protection features ensure that you won't be held responsible for unauthorized transactions, as long as they're reported promptly. ". This is false advertisement to the consumer as they are not reimbursing me for all fraudulent transactions that happened in XXXX. I notified Wells Fargo as soon as I noticed the decrease in the transactions and they will not reimburse me for the recent transactions which decreased my savings significantly and they chose to reimburse me for a transaction from XX/XX/XXXX which is insignificant to the amount that was stolen since 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 2024-01-03
Company: LoanCare, LLC
State: ND
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Payment process

Complaint:
I made a principal payment of over {$5000.00} to try and payoff my mortgage faster. Loan Care never applied the money to my principal and doesnt know where the money is. It was drafted out of my checking account. Loan Care has no idea of where the money is. 
Additionally, My regular mortgage auto draft payment of over {$3000.00} was also drafted out of my checking account but again was never applied to my monthly mortgage payment. Loan Care has been fraudulently charging me NSF fees in the total amount of {$200.00} even though I have been trying everything I can think of to pay them. Its seems they are purposely not accepting my payments in order to charge me late fees and NSF charges. 
Loan Care has no direct phone numbers to their mangers for me to try and get their help to sort this out. Please help!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22
Company: CITIBANK, N.A.
State: OH
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
see last note. After a second rep loked up what 2 factor identification is, I was told that it is not offered on the L.L. Bean Citibank Mastcard accounts.

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 2024-01-22
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am not liable for the debt with XXXX XXXX XXXX. I do not have a contract with HELVEY & ASSOCIATES INC. They did not provide with the original contact as requested. I believe I was a victim of identity theft as I dont and never had revolving credit. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. Failing that, the item must be deleted from my credit report as soon as possible as I am not liable for the debt with XXXX XXXX XXXX, I do not have a contract with HELVEY & ASSOCIATES INC either. I did report to the XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I received a XXXX XXXX  from Citi about a promotion they are running. The terms were roughly as following : - open an account by XX/XX/year>, and make 2 qualifying enhanced deposits and you will get a cash bonus. 

I signed up and was approved. I also received an email confirming as such from Citi. 

I called in today to confirm that I am enrolled in this offer, but to my dismay, the representative both via chat and over the phone told me that there is no promotion offer attached to this account. 

I asked them to fix this, but they refused to rectify the situation. Bait-and-switch, this is a deceptive practice ; in other words, a scam. I would like to report this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation