BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-07
Company: ALPHA MIDCO INC
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I called the number provided to settle a debt that was paid off, but the phone number I found was the wrong number for the original company. The person acted like a representative of XXXX, the original debt collector, but they were a scam artist pretending to be with XXXX XXXX XXXX. I gave them my social security number and debit card number, but luckily the card had no funds for them to take. They tried to get me to use a different card, but then I realized they were asking way too much information. When I called the scammer out, he immediately hung up the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-14
Company: CITIBANK, N.A.
State: KS
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
On XX/XX/XXXX while booking a flight reservation with XXXX XXXX XXXX, I was offered opportunity to be approved for a Citibank credit card with bonus features ( XXXX miles and {$400.00} statement credit when paying {$400.00} for XXXX XXXX. So, before completing my booking, I called AA Citibank credit card ( XXXX ) where I was assured I fulfilled both requirements ( not haven received a statement credit or bonus miles on a new credit card within 48 months prior ) to receive the bonus offer. So I filled out the online application via XXXX XXXX reservations and was instantly approved and provided a digital account number to use to complete the reservation. First I wanted to print the page with the account number so I clicked the box to " print this page ''. I swiveled in my chair to reach the printer so see that instead of a page with the account number, the terms and conditions being printed, way more than a page so I cancelled the waste of printer ink. Immediately I turned back to my computer to see I had been logged out due to timeout. At most, a minute had passed. I called the same customer service number to get the virtual number but was told : they could not see or give me the account number or cancel the credit card and there was nothing they could do to help. She said the website times out so quickly for " security reasons ''. When I asked to escalate, I was told the supervisor would tell me the same thing. She said there was nothing anyone could do and I would have to wait 7-10 days for the actual card to arrive in the mail. But, I needed to book the flight today and my mail was being held for 30 days while I was unavailable during that time period. I went back to XXXX XXXX website to try to find the approved credit card but it was not retrievable. So I tried to book the ticket and was again offered the same credit card bonus offer. But if I request approval for another credit card, I will have a new credit card on record, one approved 5 minutes earlier, definately within the 48 month period. I plan to not activate the card after it arrives. The reason I wanted the credit card was to be credited for the airline reservation. In order to book the flight, had to make the reservation without the credit card so I want to cancel this credit card. Can you please help with this misleading offer that deletes the new account within a minute and will not allow to cancel the application five minutes after approval? I have been an AA Citibank customer since XXXX and this is only the second time in 25 years I have applied for a new credit card and both times they have misled 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 2024-01-16
Company: WELLS FARGO & COMPANY
State: TX
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: Was not notified of investigation status or results

Complaint:
I am writing to express my extreme dissatisfaction with Wells Fargo 's handling of my paid collection/charge off account. Despite multiple attempts through credit bureaus and collection agencies, validation remains unaddressed, violating the Fair Credit Reporting Act ( FCRA ). 

This lack of response and failure to conduct reasonable procedures on these accounts is unacceptable. Immediate action is expected to rectify these violations and ensure accurate reporting on my credit profile. 

Address this matter urgently to avoid further action.

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 2024-01-27
Company: P&B Capital Group, LLC
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
OPT OUT 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information and 16 CFR 313.7 - Form of opt out notice to consumers ; opt out methods. States that I have the Right AT ANY TIME to OPT out of ANY PERSON reporting on my consumer report. The Law also states that I have a right to privacy per the Privacy act of 1974 and a right to be forgotten under Article 17 of The General Data Protection Regulation ( GDPR ). Per the FCRA as a federally protected consumer i am now opting out of any and all authorization I the consumer may have given you written unwritten verbal and non verbal per 15 USC 6802 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 16 CFR 313.7 - Form of opt out notice to consumers ; opt out methods. ( f ) Continuing right to opt out. A consumer may exercise the right to opt out at any 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 2024-01-24
Company: CITIBANK, N.A.
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a correspondence in the mail on XX/XX/XXXX for a charged off debt from XXXX. I feel that it is way past the debt timeframe and I should not have to pay.

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 2024-01-24
Company: BlueChip Financial
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX XXXX XXXX claimed to own the debt. I asked for verification of the debt and not salemof said account. And the original creditor failed to enact arbitration per their agreement. So the debt collection agency is not entitled to said debt and the original creditor has to honor consumer rights to arbitration.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
Company: RIA FINANCIAL
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
On XX/XX/XXXX XXXX, I transfer XXXX USD from RIA XXXX to my bank account in XXXX XXXX some days after I did not received my transfer and RIA XXXX my RIA account and they did not refound the money, I have been calling RIA but always they say they do not have my money, then I do not know how can I get my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-23
Company: WELLS FARGO & COMPANY
State: WA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I was sent a letter from Wells Fargo that I was denied a credit card. I never applied for a credit card with Wells Fargo. An inquiry was added to my credit report. I believe this to be a case of identity theft.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I recently checked my credit reports and I found out some billing errors that violated the Consumer Law I attached the PDF file of my dispute letters that were sent to the involved Bureaus My dispute letters were ignored and nothing happens so far.

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 2023-12-10
Company: MOHELA
State: MO
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:
On XX/XX/XXXX I received a letter from MOHELA indicating that I had made XXXX PSLF qualifying payments. 

On XX/XX/XXXX I received a letter saying my student loan had been forgiven under the XXXX program. 

On XX/XX/XXXX I called MOHELA asking about if the XXXX extra payments were eligible for a refund. XXXX indicated that any payments made after XX/XX/XXXX would be reimbursed from the Department of Treasury. She indicated it could take up to 90 days to receive a refund. 

On XX/XX/XXXX I called MOHELA to check on the status of the refund. After hours of waiting and XXXX disconnections, a supervisor named XXXX advised me that there had been a mistake in processing and I was due a refund but it had not yet been processed by the Department of Treasury. She said she would ask for the process to be expedited since it had already been such a long time. 

I received a call from XXXX indicating that my refund was approved by the Department of Treasury on XX/XX/XXXX. The refund could take up to 90 days. 

On XX/XX/XXXX I called MOHELA to check on the status of the refund. I was told that I was due a refund of {$10000.00} and I needed to give it at least 90 days from the date of approval. 

On XX/XX/XXXX I called MOHELA to check on the status of the refund and I was told it had not yet been processed by the Department of Treasury and to continue waiting. The customer service representative confirmed the refund in the amount of {$10.00}, XXXX. 

It is now XX/XX/XXXX and I have not received a refund. I have spent no less that XXXX hours on the phone with MOHELA. I have asked for written documentation that I am entitled a refund, and they refused. I asked for some form of communication from MOHELA when the refund has been processed and they have never communicated with me. I have asked to speak to numerous supervisors or for a number I can call at the Department of Treasury and they said they were unable to do that. The only thing I have every been told is to keep waiting. It has been almost a year since my loans were forgiven.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
XX/XX/XXXX I received a letter of apology and a cheque for {$4200.00} for wrongful repossession on XXXX XXXX, XXXX of my XXXX XXXX XXXX. This happened even though I made a payment arrangement that expired XXXX XXXX, XXXX. XXXX XXXX, XXXX I called the loan provider to explain to them that a portion of the money {$310.00} of the {$2300.00} I owed was taken by the bank. I reassured them that if they took what I had at the moment getting the rest won't be an issue. The lender refused to take anything less then the full amount I owed. When I woke up the next morning my vehicle was gone. Florida statute XXXX governs the repossession of vehicles and the lender nor the recovery company abided by this law. They did not give me the opportunity to retrieve my belongings. In fact, XXXX XXXX XXXX XXXX attempted to charge me {$100.00} to retrieve my personal property : cell phone, pictures of my deceased mother, and a gaming laptop amidst other things. I did not have {$100.00} because I only had what was left for me to pay the lender. The car was sold in less than 30 days after repossession. Despite the car being in excellent shape the lender sold it for less then it was worth. Then turned around and demanded I pay the remaining balance of my car loan even threatening me with litigation. This is a trend with wells fargo where they repossess the vehicle, sell it, and force the borrower to pay the remaining balance. This method triples the amount of profits for the lender but extorts the borrower.

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 2023-12-11
Company: MOHELA
State: NJ
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 had my loans switched over from Fedloan to Mohela since the payments were reinstated I signed up right away for autopay. The autopay says it was confirmed on their site however the payment for XXXX said it was processed then a week later got an email that it failed. So I tried to manually pay it and it said it was processing then again a week later I get another email the payment failed. Completely ridiculous now I have to waste my time on hold for hours to fix something that is clearly their issue because I have seen multiple people complaining of the same issue. Never had one problem with Fedloan when they had my loan why would they switch it to a company that can not handle this volume of people and process simple payments. Then they think they are going to charge fees and interest on top of 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 2023-12-11
Company: MOHELA
State: MD
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:
My student loans have recently been transferred to a new service provider, MOHELA. Upon restarting payments in XXXX. I have been diligent in making sure my automatic payments where established before repayment began. I also made an extra payment in XXXX to cover the interest that accrued for that month. When I logged into my account 2 weeks later, I noticed there was a balance of an additional {$50.00}. So, I paid the {$50.00} dollars at that time. From there, I fully expected for my automatic payments to take over and for my account up-to-date. I checked my account today and not only has MOHELA skipped a payment for the month of XXXX. They are incorrectly calculating the interest payment and applying my payment to the interest only. Nothing has been applied to my principle. I called MOHELA today, XX/XX/2023. After navigating through a series of convoluted auto responses for 20 minutes. I was able to request to talk to a representative to which I was placed on a 1hour and 30 minute hold. When I was finally able to take to a person. I detailed my issue and the rep and I both calculated what the interest should be. We both came to the same number. She then escalated it to another department who denied wrong doing. I would like for this company to be investigated and audited for negligent and erroneous loan mismanagement. As I type to compliant, I am currently still on hold waiting to talk to a supervisor. I have hold for an additional 2 hours and 30 minutes.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-18
Company: Netspend Corporation
State: TX
Product: Prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
A balance of {$1200.00} was paid to my new apartment with my Social Security Direct Deposit through Ace/Netspend ( Bancorp ) on XXXX. {$69.00} was paid later on XXXX ( same prepaid account, NetSpend ). 

My 1st month here was XXXX My rent is not due till XXXX XXXX due to a Special for us XXXX  I paid my new lease early on XXXX XXXX ' XXXX, when I received my Direct Deposit on XX/XX/XXXX for XXXX XXXX. Rodents were heard everywhere, All threw the walls, couldn't sleep. Finally took a nap and woke to dispute the balance paid of {$1200.00} + {$69.00} ( plus processing fees ). 

Received a copy of the Dispute and a statement : Claim : XXXX stating ; Provisional credit NOT issued due to the nature of the cardholdholders dispute with the merchant. It is NOT a billing error. Claim not covered by Regulation E. Next status update XXXX I canceled the Dispute. I have yet to receive anything. Today is XXXX ( There is a balance I disputed before. They put it in my account then took it back out in about XXXX seconds

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: NJ
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
It's a Citicard credit card. I paid the entire balance off and closed the account. The closed account had {$16.00} in residual interest posted to it without my knowledge. I had paperless billing and the account showed closed on my Citi app and my auto -pay was XXXX. The closed account posted about {$50.00} in fees and late charges. I paid the residual interest but when I contacted Citibank about removing the fees and interest I was told " This is how credit cards work, nothing we 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 2024-01-31
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 filed a dispute through Wells Fargo, they closed the case. I escalated the case and an executive reviewed the information and closed the case again. 

I wasnt going to escalate this a third time, but I have just received the documents that I requested nearly a month ago and despite several recordings of me stating that the problem wasnt that I never received the product, it was that they were withholding a refund for a product that was no longer functional.

The teller who originally helped me input the wrong chargeback code and no one properly addressed this. The proof that the merchant provided is not sufficient. I feel like everyone involved has been failing to advocate for me by choosing lazy solutions, and Im suffering for it by losing my money to a merchant who did not have to provide a working service to 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 2024-01-30
Company: BARCLAYS BANK DELAWARE
State: CO
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:
There is a Barclays account ending in XXXX that is fraudulently reporting on my credit report. I reached out to the company and they have sent back information with XXXX different addresses. This only proves my point that the account is fraudulent as I dont live in Florida or California , and they have statements and account setup there. This account needs to be removed from my reporting within 7 business days or I will take legal action due to the harm of my reputation that this report is causing.

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 2023-12-08
Company: MOHELA
State: MN
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:
My loans were transferred to Mohela after registering for XXXX XXXX XXXX XXXX. When loan payments were restarted after the extended pause resulting from federal Covid policy, I expected my payments to resume. Instead I found that my loans were put into forbearance, which I did not request. Because I am seeking XXXX XXXX XXXX XXXX, making each of my monthly payments is crucially important. I attempted to contact customer service through email and their website 's messaging function and did not receive a reply. My attempts to call have found either extremely long wait times ( XXXX hours ) or that they were not receiving calls during their stated business hours. On XX/XX/23, I received a reply to my online message that I had sent on XX/XX/23 ( XXXX weeks later ) saying I could expect a response within the next 15 days ( they claim a response time within 3 days on their website ). I still have not received a response and have no way to reach them to correct their error. Each month that passes that I am unable to make a payment will result in hundreds of extra dollars of interest accrued in the life of my loans.

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