BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-13
Company: CITIBANK, N.A.
State: NE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I paid for my wedding in XXXX on XX/XX/2022 using my Citi credit card. The total was {$8500.00}. Due to a hurricane, the wedding was canceled. The merchant ( Secrets Hotel ) told me the easiest way to initiate the refund would be to dispute the charge with Citi so they could accept and return the funds. I opened separate disputes for the initial {$500.00} deposit and the subsequent {$8500.00} remaining payment. 

The initial response from Citi was to put a conditional credit on my account and ask for documentation. I sent Citi 's dispute department emails from the merchant detailing the dispute acceptance and advising Citi to refund the money. Citi never contacted the merchant, removed the conditional credit, and found me responsible after 2 months. 

I reopened the dispute with Citi. I have continued to call, chat, and email their department with no real response. The merchant advised me that they were contacted about the {$500.00} initial charge and approved it, but that dispute is still sitting open, as well. They still have not been contacted about the {$8500.00} dispute, despite the fact that it has been open for 4 months now and I have had to pay the balance. 

When I speak to anyone ( phone number for disputes, chat, email, etc. ), the standard response that they are reviewing the information and will reach out to me in 7-10 days is all I get. I am so confused as to what they could possibly need and what action is actually being taken. They have emails from the merchant asking them to refund the funds and they still have not even contacted them regarding the larger amount. As for the smaller amount, the merchant has approved after being contacted but the money still has not been returned to me and the dispute sits open. This is over {$9000.00} of my money that Citi is holding on to, with no real way to get in contact or escalate to someone who can take action beyond the standard " wait longer '' response. The standard guidelines for disputes are in place for a reason, and Citibank is in clear violation of them in both of these cases.

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 2023-09-20
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Overdraft fees were incorrectly taken.

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 2023-04-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
On XX/XX/XXXX I went online and paid {$6100.00} to pay my vehicle loan off with Bank of America. I clicked on the account which was the only account listed. I clicked pay my bill and paid {$6100.00}. On XX/XX/XXXX I logged back in and now there were two accounts listed. One was a credit card that was closed in XXXX which now had {$6100.00} on it. I spent hours on the phone with Bank of America on XX/XX/XXXX trying to get this fixed. I was initially told in the morning that they would expedite a refund and the money would be back in my account by XX/XX/XXXX at the latest. The same rep called me back on XX/XX/XXXX in the afternoon to tell me that he spoke with a team lead who was going to walk him through moving the money to the auto loan. Again I was told that this would be complete at the latest on XX/XX/XXXX. I asked to speak with his manager to confirm everything was good, and this rep hung up on me instead of transferring me. 
On XX/XX/XXXX there was no change on the account. I spent another hour of my time on the phone with Bank of America where I was assured by the first rep he could fix this. He then " placed me on hold '' but really cold transferred me to another rep. I had to repeat my story AGAIN to this rep who was so unnecessarily rude. She told me that it would be two billing cycles before I got my money back. I told her this is unacceptable as I have paid my account in full and now this will mean that I will be charged late fees and be reported to the credit bureau as a late payment. She said she could expedite it to 10 business days. Again this is unacceptable because I will be out of my grace period to make the payment again. I asked to speak with her supervisor who was RUDE. She basically told me that They will try to expedite to 4 business days but could not nail down the date of the 4 business days. I asked her about the late fees and possibility of reporting to the credit bureau. She said I could make ANOTHER {$300.00} payment so the account is not considering late. So now my {$6100.00} is in limbo for who knows how long while Bank of America collects interest on the money they basically stole from me and I have to come up with at least another {$300.00} so I am not considered late for THEIR mistake.

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 2023-03-13
Company: CREDIT ACCEPTANCE CORPORATION
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
Credit Acceptance Corporation. Mailed my title with lien letter as well as my payments I made to them to XXXX XXXX XXXX. They closed out the account because they never received title from XXXX XXXX. After filing a police report and civil suit the title was sent to Credit Acceptance with my name on it. They mailed it to the dealership instead of me. Now they are refusing to send proof that they mailed it to XXXXXXXX XXXX instead of me. They also mailed a check for XXXX made out to me to the dealership. They closed out my account because they did not receive title after 9 months of being paid by me. They tried to state they reassigned the contract however the contract was null and voided once the title was not received and they closed it.

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: Experian Information Solutions Inc.
State: TN
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have consistently made on-time payments for these accounts, and I kindly request that you update my records accordingly. It's frustrating because I've always paid on time, which makes this situation seem unreasonable.

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 2023-03-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The following items continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these items. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX XXXX XXXX XXXXXXXX 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 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 2023-03-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
I am writing to dispute accounts that are reported on my consumer credit report referenced below that are the result of identity theft and any unauthorized inquiries and demand verifiable proof bearing my signature/electronic signature. I never authorized such action and this constitutes a violation of my consumer rights under the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] and Fair Credit Reporting Act Section 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ]. I have contacted these companies and found these actions were initiated without any compliant validation or original proof from any of the companies reporting. These accounts are not factual since I never authorized them and are therefore the result of identity theft and or the illegal reporting of my consumer information by creditors and or 3rd party data furnishers.

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 2023-03-13
Company: BARCLAYS BANK DELAWARE
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Barclays bank Athleta card. There is a {$650.00} amount showing from XXXX XXXX charges. 

I have never had XXXX XXXX and was told this was taken care of back in the late fall of XXXX. The charges continue to be on the account. I was told credits were issues and the balance on the account was {$0.00} ; however then I was told that there were all of the fees with penalties. 

I have been told many conflicting things and this continues to be a major source of frustration. If you can help I would greatly appreciate it. I have considered paying this in full but the charges are fraud and that feels wrong to do. It has caused me a lot of lost hours on the phone trying to figure it out and has caused a lot of undue mental stress.

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 2023-03-13
Company: Experian Information Solutions Inc.
State: LA
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: Their investigation did not fix an error on your report

Complaint:
Please See Attached account disputes documents detailing inaccurate reporting practices on my consumer report that are violating my consumer rights and damaging my reputation and credit history in the eyes of creditors past and present. As defined by the IRS Even if you didn't receive a tax form 1099-c you must report cancelled debt and gross income The IRS clearly states charge off as income the reporting of this account is inaccurate. INCOME DOES NOT GET REPORTED ON THE COSUMER REPORT, WHICH MAKES THIS REPORTING INACCURATE. By definition, the IRS clearly states, the charge off is income, the reporting of this account as inaccurate.

15 U.S. Code 6809 ( 4 ) Nonpublic personal information ( A ) The term nonpublic personal information means personally identifiable financial information ( i ) provided by a consumer to a financial institution ; ( ii ) resulting from any transaction with the consumer or any service performed for the consumer; or ( iii ) otherwise obtained by the financial institution.

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 2023-03-13
Company: Navient Solutions, LLC.
State: WA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
My parents are co-signers on my private student Loan with Navient. I filed XXXX XXXX XXXX  in XX/XX/XXXX. My attorney included this loan on the discharge paperwork. Exactly one year later, my parents begin receiving harassing phone calls demanding payment ( 6-7 calls per day ). Not once have I received a phone call from them. When asked why they won't reach out to me, they simply state, " We can call whoever we want to call. '' Last week, my dad called and spoke to an XXXX. She stated that they would work with me and to have me call her. On Friday, XX/XX/XXXX, I called in and spoke to a XXXX who was anything but helpful. She was very condescending and told me they couldn't work out any type of payment plan with me. When I let her know that I could not afford the full payment and just needed them to work with me ( like they said they would ), she told me there was nothing I could do and it was, " probably because of the bankruptcy. '' I told her that I would pay what I can afford but it wouldn't be the full amount. She got nasty with me and condescendingly said, " Yeah. Ok. Ok then. Sure. '' What kind of people do they hire there? I have dealt with Navient over the years, and this is not my first complaint against them. I'm actually looking to see if there is a lawsuit that I can become a part of because this is absolutely ridiculous. Calling my parents numerous times per day is harassment, and it needs to stop now. Also, it's not lost on me that I have over the years paid off the amount that I actually borrowed. The remaining is all interest and profit for them. If they want any sort of payment, they can work it out with me and give me some sort of payment plan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
My name is XXXX XXXX, this complaint is not made in error nor is it being made bya third party. I declare under penalty of perjury I am alleging that a person or company-without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some account. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraud. Please delete the account below from my report : 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 2023-03-13
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Citi has owed me over XXXX dollars from fraudulent charges for months. I called them and alerted them to both issues. They have closed the dispute My card was used in an online fraud scam and they said not to worry, but have now charged back a XXXX charge to my account. There was also a billing dispute where I submitted evidence of a XXXX over charge that has not been resolved. 

Below is the letter I wrote to citi after hours on the phone with them. I have received no response. They refuse to resolve this and in addition have refused to resolve an issue where a XXXX unauthorized fraudulent charge on my account. 

I am writing to resolve a billing issue with XXXX XXXX XXXX Dispute ID - XXXX ). This company has demonstrated predatory business practices with me and are unwilling to resolve their mistake. I am attaching a screenshot involving the order in question from XXXX. I had used a promotion code that they sent to my email, this promotion code took the cost of an order from {$300.00} to {$120.00}. When I paid with my double cash credit card I authorized the purchase total of {$120.00}. 

The issue arose a few days later when I noticed I had actually been charged over {$300.00} for this order. I noticed and got in touch with XXXX immediately. They refused to acknowledge the error had taken place, regardless of the screenshot I had provided. I was on the phone with them for over an hour and no one would take responsibility for a simple mistake. They hung up on me and closed my account before I could access any invoices or other proof of their predatory business practices. Their business model revolves around promotions to get customers back, this is exactly what I did. They ended up charging me for an amount I did not authorize. I wouldn't have known they charged me that amount if I had not checked my recent transactions on my Citi App. 

Thank you for taking the time to help me resolve this issue. As a customer my whole adult life, I have always enjoyed knowing that my finances are secure and in good hands with Citi, and look forward to continuing feeling that way about your company. 

Let me know if there is anything else I can do.

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 2023-03-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
XXXX XXXX has a loan on my credit report that I never opened. The loan is for almost {$3000.00} says that I am past due for the payment. I've contacted XXXX XXXX they couldn't give me any information on the account because they couldn't find it. From what I see on XXXX XXXX the account was opened on XX/XX/XXXX of 2022.

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 2023-03-13
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Attempted to purchase product from a fraudulent website. Never received item and when looking closer at website discovered it was a fake company that never sent receipt nor product. Bank denied fraudulent request. 

Transaction happened XX/XX/2023 XXXX denied dispute XX/XX/2023 Amount {$87.00} Transaction name : 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 2023-03-13
Company: Shellpoint Partners, LLC
State: GA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
Shellpoint Mortgage Servicer Is NOT a mortgage company but a debt collector, I got the paperwork they sent me on my loan modification that was agreed to by Ditech and that they never gave me, 1 ) Shellpoint had forced place insurance on my home when I had explained to them that I had insurance through my HOA Fees but now they need to go back and correct that.

2 ) Shellpoint was Escrowing Taxes when I had paid the taxes on my home myself again I explained that to Shellpoint.

3 ) Shellpoint denied the modification because their OWN Notary did not finish witnessing the documents XXXX, that they sent to XXXX. In fact, I have emails going from XXXX back to Shellpoint telling Shellpont that the Docs are not correct and to redo them and get them back out to XXXX who then brought them to my office where I knew there would be people around and I could find 2 witnesses. Shellpoint, wanted my deceased Mother to sign the docs, but they fail to mention too that she had been dead since XX/XX/2013. They already had a Certifitfied copy of her Death Certificate, which can be used as the deceased 's signature, a copy of the will of the trust, and her handwritten codicil giving me her 50 % of the property, not to mention that the property had already been transferred into my trust at this point, so it was a done deal. 
4 ) I have already filed a lawsuit in XXXX XXXX Superior court and been granted a TRO to stop any foreclosure on my home, by XXXX and XXXXXXXX XXXX XXXX XXXX XXXX XXXX  and I am working out a modification with XXXX as I type now. I now want Shellpoint to go back and stip out all the extra charges that they added to my account before they SOLD the loan to XXXX for pennies on the dollar.

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