BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-06
Company: WELLS FARGO & COMPANY
State: NC
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:
Monthly social security deposit made available anywhere from the XXXX through the XXXX of every month. It shows up in my online account and Im given access to it. Never do I usually see my ending daily balance in the negative until I scroll through. So Im given access to my money on the XXXX but Wells Fargo isnt posting it until the third so anything I spend between the XXXX and the third is technically looking like Im over drawing. This month my deposit of XXXX was made available on the XXXX. My ending daily balance on the XXXX th was XXXX i paid bills spent money and on the XXXX I was negative XXXX was my ending daily balance. So on XX/XX/XXXX they posted my deposit of XXXX but with deposits that still dont equal to my ending daily balance on XXXX of XXXX. I rented a car and saw the transaction post the same day when I turned the car in I waited for my deposit hold to be returned and when it wasnt I checked my online account to find the transaction and could no longer find it post. I called and spoke to a representative. I was told that the rental car company hadnt charged me a hold and never took it outta my account. That they would debit my account after I turned the car in which is untrue. I tried to rent the car for a week and with the deposit hold and the actual amount being put on hold was more then what reflected in my account so my card was declined due to insufficient funds. I have the text that it sent me. I shorted my time and ran my card again. XXXX was taken to put on hold. When I turned the car in my final charge was XXXX. XXXX told me my remainder was released on the XXXX of XXXX. Wells Fargo finally posted the withdrawal on the XXXX. I have gone back through my bank statements and have noticed a lot of things that dont add up. I have on income and thats XXXX every month some of my statements reflect total monthly deposits of XXXX and total withdrawals will be just a few dollars short of this deposit transactions through the month. Im now negative XXXX and am being charged XXXX dollars for each transaction they say was overdrawn. When I get my check again all of it will be gone. Ive called Wells Fargo and made a fraud claim when I was transferred to an investigator I was hung up on.

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 2024-01-28
Company: CITIBANK, N.A.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Hello CFPB, I had opened a Personal Checking account with Citi Bank in Summer of XXXX. 
I funded the Citi Bank with a total of {$33000.00} in 3 separate transactions below from my originating bank, XXXX. I have also screenshotted these 3 transactions from my originating bank. 

XX/XX/XXXX - {$25000.00} wired via XXXX XX/XX/XXXX - {$7300.00} transferred XX/XX/XXXX - {$1000.00} transferred I was notified in the Summer that Citi Bank had shut down my account and that I would receive a check for the balance on my account. On XX/XX/XXXX, I received a check for {$1000.00} with a memo saying Closeout Disbursement. 

I have been contacting Citi Bank 's support and fraud line for weeks to try to recover my remaining {$32000.00} in funds. Every time I speak with them, they tell me that because the account was closed they do not have any information on the balance of the account and information on how I can get the remaining {$32000.00}. 
I was told they would contact the back office and provide me with an update within 48 hours, however that never happened. 

Citi also recommended me to go to a branch, however Citi doesn't operate any branches in Texas, which is where I live. 

I would really like assistance in recovering my remaining {$32000.00} in funds, as it is a large balance. I appreciate yours and Citi 's assistance with this matter. 

Many Thanks, 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 2024-02-07
Company: OLD NATIONAL BANCORP
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
My clientMorris Shanfield directed me with a XXXX XXXX XXXX of Attorney to pay his rent with a {$3000.00} check written on XXXX XXXX Old National Bank checking account. 

To accomplish my clients request, I set up a separate account with Old National Bank in my own name. In to that account, I deposited XXXX XXXX {$3000.00} check. 

Instead of honoring that check, Old National Bank cancelled my account without explanation. I preempted my deposit by explaining my plan to XXXX XXXX XXXX & asked that she forward that introduction to her colleague. 

I request that Old National Bank reopen my checking account & honor my clients {$3000.00} check as my deposit so that I may secure the requisite cashier check to pay XXXX XXXX rent.

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 2023-12-18
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
XXXX has reported my account as delinquent, in response to an autopay error on their end. My credit has fallen from XXXX to XXXX because of their error. The statement is not accurate, as autopay was set up and payment was sent but the company rejected the autopay, and then did not mail any paper letters or reach out via message, email, or phone to alert me. 

Explanation of issue : I had autopay setup for a pre-determined amount ( {$140.00} ). I had a final bill of {$31.00} in XXXX. When the autopay was sent for the final bill, it was rejected by XXXX because it was greater than the balance. 
I received no letter, phone call, or email warning me that I was late in payment or that the autopay payment was returned. 
XXXX XXXX XXXXXXXX then marked my account as delinquent. 
As soon as I realized what had happened, I paid off the balance. The customer service representative assured me he would remove the delinquency from my account, but that has not happened, so I am hoping you can help me move this case along. 
Steps I have taken : I started a dispute process with XXXX XXXX XXXXXXXX 3 months ago. I have called them to check in on it and each time and told that it has been escalated, but that the timeline for resolution is undetermined and they can provide no further details. There is no paper trail or case number in my account portal with them. 
I opened a dispute with Experian - XXXX, and they came back with the determination " The information you disputed has been verified as accurate ''. 
I would greatly appreciate your assistance with moving this case along as there seems to be no resolution in sight from XXXX, and they did not communicate any of the failings of their autopay system. 

Best, 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 2023-11-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: HI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have good credit fie with no charge offs or derogatory. I was listed as additional cardholder with Capital One on another individual 's Capital One credit card account. Capital One, when calling in did, and currently do, read a disclosure statement as an additional cardholder. The disclosure from Capital One, reads, I will not be personally responsible for the card. When applying for credit, other credit card companies advise me the credit card is not approved because negative Capital One account being perceived and judged by credit providers as my bad credit and responsibility for. After disclosing to credit card company providers, I don't have or hold a Capital One account, its another individual 's action and unfairness to me, in impacting and reporting on my credit causing perceived responsibility and defiantly NEGATIVE, the credit providers are disclosing its on your credit file as a large negative and impacting your ability to get credit until " i remove it '' or I pay it and this makes me responsible. Because I now need to appeal to remove it, its become something I am responsible for and that conflicts with Capital One disclosures too. This raises questions of fairness and morality too, me as a separate individual and nn account holder of Capital One. As NO other credit card provider i was additional cardholder for is reporting negative on my credit file, only Capital One. I am now in position to be responsible for removing the credit card, from my individual reporting, and because of this my credit worthiness is being impeded. I request it to be removed by Capital One from my credit file. My overall credit usage is {$3300.00} and at the time of filing this I only had 10 % credit utilization making me a good credit candidate, but for Capital One 's negative reporting on my file, for another individuals action.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-02
Company: MOHELA
State: SD
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 called in XXXX after applying for the XXXX  plan to Mohela on XX/XX/XXXX. There is still no determination and had to put in XXXX forbearance which ends XX/XX/XXXX. It still says processing. I am told to just keep waiting. My loan was transferred to Mohela during COVID. 

I also made payments for XXXX mths during interest pause. XXXX XXXX XXXX  and the entire payment amount went to interest, not to principal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-23
Company: CITIBANK, N.A.
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
On XX/XX/2024 I tried to log into my mobile app and it said my account blocked to call customer service. I called customer service and they gave me the number of fraud prevention to solve the issue. Fraud prevention went through all verification and then mentioned they'll send a letter. This is the SECOND time I have had this issue with Citi fraud prevention. They use a third party system that sends out letters and not to the address that is on my Citibank account. Last time I was blocked for over two months and had to file a complaint with CFPB and Citi 's Executive response unit. 

I have made it clear to Citi Bank that I work for the XXXX and XXXX XXXX XXXX XXXX XXXX XXXX and do XXXX XXXX XXXX. I have filed an issue with Citi 's Executive response unit case number XXXX. I really need this review of my account done immediately and I get access to it because it is my primary account, salary account and I have a savings account and a Citi Priority client. 

I've attached proof of account block and last email chain with previous complaint.

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 2024-01-02
Company: MOHELA
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I consolidated my XXXXXXXX XXXX loan- verified on XXXX data. Mohela lists my my XXXX loans not consolidated. They had placed me in a XXXX  The consolidation was not completed. I consolidated again tonight. Mohela XXXX has incorrect information, payment information as of today. I did get a bill with different information ( lower payment ) than the online account. It is impossible to get anyone on the phone. My bill date XX/XX/XXXX due XX/XX/XXXX is XXXX XXXX Mohela continues to list XXXX I pay my XXXX loans on time. Had I not noticed this I may miss out on the XXXX XXXX  adjustment as my loans should have been consolidated and my account billing is incorrect. I would appreciate it if Mohela sent billing statements reflective of my account and corrected online account information as it is very confusing. My consolidation should not be messed up a second time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13
Company: Experian Information Solutions Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I hope this letter finds you well. I am writing to address a matter of utmost importance regarding my credit report. Upon reviewing my credit report, I have identified several unauthorized accounts that have negatively impacted my creditworthiness. I strongly believe that these accounts are the result of identity theft and require immediate attention and resolution. 

The following are the specific accounts in question : XXXX XXXX XXXXXXXX FRAUD, PLEASE DELETE!!!!! 

XXXXXXXX XXXX XXXX XXXXXXXX XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused about how you've verified it while the other bureaus have removed it. Please delete this from my file. It is inaccurate, erroneous, incomplete, or unverifiable. 

I am willing to grant you one final opportunity to process my request concerning my identity theft. Failure to do so will compel me to seek legal recourse through the judicial system. In such a scenario, you will be held accountable for the damage caused to my reputation, credit, and the emotional distress I have endured throughout this ordeal. It is highly likely that what constitutes a material fact will become abundantly clear during legal proceedings, and you may be required to compensate me for your negligence. 

I kindly request that you conduct a thorough investigation into the validity of these accounts and take the appropriate actions to remove them from my credit report as they are not the result of any legitimate transaction or credit application made by me.

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 2023-11-30
Company: Experian Information Solutions Inc.
State: NM
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
In XXXX  of XXXX, I had XXXX credit cards from XXXX XXXX After XXXX payments, I missed XXXX payments and they called to ask me about them. The man was very rude and pushy, so I told him how I felt about getting called XXXX times a day. He said something to the effect of " XXXX XXXX XXXX XXXX XXXXXXXX '' and hung up. After that, my XXXX XXXX dropped from XXXX to XXXX. XXXX. And I was listed by Experian as deceased. Since then, I have been unable to get any additional cards, or loans, or even utilities in my home. I've lived for XXXX years now off batteries and in the cold. It has costed me XXXX XXXX XXXX XXXX XXXX. I have disputed this numerous times and they just confirm that I am dead every time. I've called. I've begged. I've talked with the lender. Everybody just sends me to someone else to fix it. Meanwhile my home is still dark and so, so cold. It's been XXXX  multiple times because it appears abandoned and my security system requires an electrical connection to work. I was XXXX XXXX XXXX in my own living room a month ago, as I walked in in the dark. At what point do they have to correct this? XXXX bitter lender shouldnt be able to just destroy my life like they have, and yet he did, and nobody will do anything to help me. I don't know who else to talk to or what to do, but I am desperate. Tonight it will be XXXX degrees, and I have no heat or even flashlights with batteries because try getting a loan or credit card or passing a job background check when everybody first goes to Experian and they say I have XXXX credit history and am dead. 25 years of building my credit just thrown away on the whim of some XXXX across the world that I couldn't even understand as he harassed me over {$35.00} a dozen times a day. This cant be legal, and sure the XXXX isn't right. Please help me!

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 2024-02-02
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: PA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
The balance on my USAA credit card account due on XX/XX/XXXX was {$1600.00}. A pay-ment of {$100.00} to a storage facility was added, so I imagine my balance was then {$1700.00}. I mailed a payment of {$1000.00} on XX/XX/XXXX, and it was credited to my account XX/XX/XXXX, leaving me with a balance of {$760.00}. I recently received my XXXX state- ment and noticed a rather high interest charge. Upon checking the next page I found that they had charged me interest on a balance of {$1400.00}. Beyond the storage payment there are no other charges on this account, so I called to find out why I was charged interest on an amount almost twice my actual balance. The XXXX person that I spoke with just kept telling me that it was because my bill was not paid in full, and then became angry when I would not accept that explanation. I finally hung up and decided to try FTC, and was rerouted to your site. Can someone please give me a more reasonable expla-nation of how a credit card company can legally charge interest on amounts well over a person 's actual balance. Thank you in advance for your time and consideration.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-02
Company: BARCLAYS BANK DELAWARE
State: NC
Product: Credit card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
I have hard inquiries on my credit reports ( XXXX currently that I can see ) from where someone has fraudulently applied for credit cards. To my knowledge at least XXXX cards have been issued and charged under my name between XX/XX/XXXX and XXXX XXXX XXXX. 
I have contacted the companies and reported it as fraud and they have closed the 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 2024-02-01
Company: SYNCHRONY FINANCIAL
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Synchrony bank is a fraudulent bank. 

I made a payment for my Amazon store card for {$360.00} for XX/XX/XXXX. My minimum payment is {$110.00}. I still kept getting an email saying I needed to make my monthly payment after the due date. Me thinking the payment was not made proceeded to make another payment. There is nothing on there website alerting that you are making a duplicate payment and after a payment is made there is no way to cancel it. I make the another payment. Only after making the payment you are directed to another screen that shows the duplicate payment. When you call them you are directed to go and resolve the issue with your bank. 

The same issue has now happened again with my Synchrony Home account where I have duplicated a payment of {$250.00} for a total sum of {$500.00}. There is no way to cancel it. This means, I will be unable to pay my monthly mortgage because of this. 

This is just a fraudulent and bad company.

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 2024-02-01
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MO
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I have been a USAA member since XXXX. I left USAA a couple years ago for failure to stay current with banking standards, and their antiquated online bill pay. 

XX/XX/XXXX I had a long conversations with a USAA customer service rep inquiring if USAA had improved and made current practice their antiquated on line bill pay platform. 

I was assured changes had been made and I would successful paying my merchants and bills without problems. 

Unfortunately, USAA continues with their same antiquated platform of sending checks through the XXXX. THE XXXX that rarely to never delivers mail on time! 

My payments delieverd via XXXX have never been paid by selected delivery date. I started sending payment XXXX weeks early. And still, payments are not received by due date. 

At the top of every paper check is a message : PLEASE DIRECT ANY QUESTIONS TO ( XXXX ) XXXX THE ONLIE BILL PAYMENT PROCESSING CENTER to ask WHY ARE THIS BILLS NOT PAID EFT?? 

After 3 months, I to date, have not received an appropriate update to my bill pay profile. BUT here 's what I know : USAA XXXX XXXX hired, XXXX, a global XXXX and payment company, to operate and pay USAA members bills online. 

I have called since XXXX complaining that my bill payments are NOT being posted by bill due date, generating unreasonable loan interest payments to XXXX XXXX XXXX XXXX, instead of applying towards principal. 

My complaint had been escalated to an Account Manager so many times, with each committed to investigating via a 'case review to XXXX XXXX to 'approve XXXX payments instead of draft checks '. 

XXXX months later and multiple complaints to USAA Account XXXX and the problem is still NOT resolved. XXXX has confirmed the problem is USAA. USAA keeps insisting its XXXX. I personally don't care which is responsible, but it's XXXX, ALL these bill payments should be XXXX and NOT XXXX!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation