BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2024-01-19
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:
On XXXX I was scammed through a XXXX transaction. The scammer pretended to be a BOP ( which I reported to the FBI ) and had all of my information and my father 's information. I know with BOP you do not ask many questions. I have experienced it with the real BOP. I went for the scam to ensure that my family member was safe. Immediately I reported the scams for two transactions of XXXX $ to Wells Fargo bank. Wells Fargo got the information of the receiving bank AND THE ACCOUNT HOLDER and yet they are not giving me my funds back. When I escalated the requests I was berated and called stupid for sending the funds. That is not acceptable for a loyal customer who holds many accounts with Wells Fargo. I felt like Wells did not even try to get my money back and didn't help me when I was scared for my personal safety and my family safety. I really hope that I can get my funds back.

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: CITIBANK, N.A.
State: NY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
My wife and I have a Citi Bank XXXX XXXX Credit Card. Through our online account, we indicated that she would be travelling from XX/XX/XXXX - XXXX with the intention of using these credit cards as her payment method while on this trip. 

Along with these credit cards, my wife only brought around XXXX dollars USD with her. Upon arriving to XXXX XXXX, she is being prompted to use a PIN to complete any credit card transactions. We were not made aware that a PIN may be required and it was not something we were familiar with. I also did not know what the PIN was, and it wasn't until contacting Citi that I realized how archaic of a process to obtain a new PIN. 

After speaking with several customer representatives at Citi, they refused that I speak with a supervisor to help escalate this issue further. I assumed they might be understanding, or have some means to help with this situation, but other than shrug their shoulders, they were not helpful one bit. 

I wanted to get in touch with a supervisor or a manager, as I had hoped I could get this issue escalated with the intention of having a new PIN overnighted ( at my expense! ), but they refused to let me speak to a higher-up telling me they also could not do anything. 

This is my wife 's first time travelling over seas and Citi never made me or my wife aware that a PIN may be required. Had they made us aware in the first place, prior tot Travelling, this would not be as big of an issue. 

Citi needs to publish this information and make it more clear AND visible so that others do not run into a situation like this. You would think Citi would be understanding and try to help in this situation, but they didn't have a care in the world or try to help at all. Clearly they do not put American Citizens first, especially in this type of situation. 

Now my wife has {$200.00} cash to get her through an entire week. Then what? Citi at no point tried to make this right even when I offered to pay out of pocket to have a PIN overnight mailed to me. 

Again, I can not stress enough, had we known we would need a PIN, we would have been sure to set this up. The PIN requirement was never made apparent at all when we placed the travel dates on our card. It is unacceptable, especially in the digital age of XXXX, to have to send a PIN via snail mail and have no alternative means to recover or reset this PIN.

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: Experian Information Solutions Inc.
State: CA
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: Investigation took more than 30 days

Complaint:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.

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 2024-02-04
Company: CITIBANK, N.A.
State: OH
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
XX/XX/year> Received an XXXX XXXX OFFER TO GET {$400.00} and XXXX miles if you open a new card ( appears in the XXXX flight booking page ) Decide to open to card to book this flight Card is approved with {$8600.00} limit ( flight is ~ XXXX XXXX ) Have to Get temp card number to use the card right away Temp card number does not work - temp credit limit is only {$2600.00} Would never have opened the card if I knew I could not use it to book this flight and the temp limit would be so low. 


Called Citi- they transferred me to the rewards number ( on hold XXXX minutes ) rewards people can not help at all Called citi again - they transferred me to another citi rep ( on hold another XXXX minutes ). That rep told me I needed to call another number for help Asked to have my card closed since I am unable to use it for the flights I opened it for - they said they can not do that and I need to call a different CITI number How is it that I can not use the card to purchase the flight when the offer was there to get rewards for booking the flight? And my limit is above the cost of the flight? Did not tell me the temp card would have a lower limit until after it was already opened and then will not let me cancel the card. 

Also, they do not let you talk to anyone who can actually resolve your problem. I spoke with XXXX different people who continually directed me to someone else after I explained my problem

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 2023-12-05
Company: Experian Information Solutions 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:
XXXX, XXXX and experian are reporting lots of inquiries and negative accounts on my consumer report that i did not authorize or give permission to furnish on my consumer report i have not benefited from neither inquirie yet they put it on my consumer report causing damage to my life according to the FCRA unauthorized must be removed immediately according to 15 USC 1681b ( a ) ( 2 ) they must have my written instructions to furnish a report on me also 15 USC 1681a ( d ) ( 2 ) ( A ) ( 1 )

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 2024-02-06
Company: BARCLAYS BANK DELAWARE
State: NY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Credit card statement closed on XX/XX/XXXX. I made XXXX payments prior to the next closing date ( XX/XX/XXXX ), on XX/XX/XXXX and on XX/XX/XXXX, paying the balance in full ( actually overpaying the balance ). 
I made the minimum payment on XX/XX/XXXX to ensure that I would not have a late fee, since a month or two before my payment was made late and I wanted to make sure that didn't happen again. When looking over my bill on XX/XX/XXXX, I noted an interest fee ( {$21.00} ). I contacted the credit card company to inquire. I was told that the statement was generated from my first payment. The consumer representative expressed that although what i had done would certainly prevent the late fee, that by doing so, I would incur the interest fee. The representative expressed that the interest fee would be removed, but suggested that I not use this practice in the future. 
So ... .although the company ( bank ) did the " right '' thing in this case, I don't believe that this is a fair practice, or at least certainly not one that is consumer friendly. I'm assuming this practice is allowed, but with current technology available, I question whether allowing this practice to continue is necessary. 
Thank you for your consideration of this matter.

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 2024-02-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
After being with BANK OF AMERICA for 24 years they have decided to close my credit card account, stating that because of inquiries that I have had from other credit card companies they have decided to close my credit card with them! I have been with this company for 24 years and have always made above my minimum payments, so I am so confused as to why I was cancelled at all?!

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: WELLS FARGO & COMPANY
State: CO
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:
Ive received 5 remediation letters for unauthorized services from Wells Fargo. I called the number and was told I would get checks for each of them, including extra checks for being unhappy. They said the checks would arrive in 20 days. This was in late XX/XX/XXXX. I called today, XX/XX/XXXX because I havent received a single check. They say that theyve been delayed and have no idea when they will go out.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06
Company: DISCOVER BANK
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:
i have have a discover account. since XX/XX/2023. I already have an account and it is not new, they are asking me to provide them with 3 months of bank statements and to fill out form 4506-C... i am an existing customer not a new applicant ..i have done what was requested and i am tired of my card being locked per could not verify my phone number or my email or my address... so, this is common anytime customer service talks to me... it becomes your card is locked and we need verification of something. I am retired and on ssi ..my husband XXXX was a XXXX veteran that has passed. And I also got his ssi... i make my payments... i feel like they are trying to negotiate my credit i have built up. I think it is a predatory practice to fill out tax forms that don't apply. Again, I am not a new customer, they must not be making enough money on me or just trying to destroy my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-10
Company: MOHELA
State: AE
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:
After waiting XXXX hours and having my call dropped I sent a message XX/XX/23 questioning why : XXXX payment was online says {$420.00} but doesn't provide a due date. 
XXXX. My invoice in my messages inbox states that my total payment due is {$370.00} by XX/XX/XXXX which is different than above amount. 

I asked why are the amounts different. Also my XXXX XXXX plan which on federal aid site says my monthly payment should be {$11.00}. 

I received no response. I tried calling again XX/XX/23 but again couldn't connect. I'm stationed in XXXX in the XXXX so the time difference makes it difficult. I sent another message and received an automated response on the XXXX that my message was received and i would get a response soon. On XX/XX/23 I received a message from mohela that I was late on my payment. I replied telling them thank you for reminding me and asked if they could please answer my previous requests explaining why my payment is so high. They sent me an automated message stating that my loan payment amount under save is dropping to XXXX $ starting in XXXX. Then they sent another saying it was XXXX XXXX This is great, but I'm still on the hook for paying XXXX $ in late payments because they messed up the calculation. How can my payment be XXXX $ or XXXX $ but I owe XXXX $? 

I don't expect to hear anything back and after reading about others experience this seems to be a VERY common problem. XXXX response generally seems to be to just tell people to recertify or put your account into forbearance while they figure it out. 

It's unfortunate that there's basically no recourse for people like me. I can't take any action against mohela for doing such a bad job. My only option is to pay an incorrect payment amount that I can't afford.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27
Company: Nelnet, Inc.
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Issue where my lender is my school
Sub-issue: Cannot graduate, receive diploma, or get transcript due to money owed

Complaint:
In 2015, XXXX XXXX XXXX University wouldn't release my transcripts because I owed them roughly $ XXXX {$800.00} for withdrawing from their school before the quarter ended. I left because my program was closing and they either wanted us to either do a dual degree with any of the current or new programs or start over. I chose to start over but not at that school because I couldn't afford it. So I went to a community college to start over but they needed my official transcripts and XXXX wouldn't release my transcripts. After I was finally able to pay off what I owed at XXXX and get my official transcripts, I found out from the Board of Education that all of the credits I earned at XXXX were not even transferrable/accredited. So I racked up thousands of loans just going to XXXX and not even having any credits available for transfer.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-05
Company: Bridgecrest Acceptance Corporation
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Bridgecrest compant has charged me more in interest than whats required contractually. Every month I am to be charged between XXXX per month in interest. They have taking a fee of more then XXXX % in interest out of my monthly payment and refusing to correct the account. Resulting and a year of overpayment causing inflation and refused to refund the credit back to account. I have asked and emailed servel times to make adjustments I never missed a payment. Ive always paid more then required.

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 2023-12-14
Company: Experian Information Solutions 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:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself.This is done 100 % by me. The stuff on my credit report is wrong 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.

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 2023-12-03
Company: DISCOVER BANK
State: CA
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:
I signed up for a Discover credit card through XXXX XXXX. I signed up for the card because they had an offer that stated spend {$1500.00} in the first three months and receive {$200.00} bonus. Anyways, I spent well over {$1500.00} in the first 3 months and received no bonus. Just got off the phone and they said the offer doesnt show on my account. Meanwhile I contacted them one month after I got my credit card, and they confirmed I would receive the {$200.00} bonus after the 3 months ( if I spent {$1500.00}, which I did ). Anyways, I feel scammed by this whole situation and would like to receive the bonus I was promised when signing up.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-01
Company: Bread Financial Holdings, Inc.
State: AZ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I purchased roughly ~ {$2000.00} of equipment from Dell XXXX XXXXXXXX XXXX with a promo % 0.0 APR until the following XXXX. I put this on autopay to be paid off by XXXXXXXX XXXX XXXXXXXX. I've used this service previously without any issues. 

Dell announced over the summer that they would be switching to a new service provider for financing in XXXX. Since I had my account lined up to paid XX/XX/XXXX, I had no concern. Dell claims I canceled my autopay with {$22.00} remaining balance in XXXXXXXX XXXX XXXX. They then proceed to charge me late fees, without notice, for XXXX and XXXX, bumping my balance to {$82.00}. I did not receive any statements of outstanding or overdue balance nor did I receive notice of autopay cancellation. I presumed that my account would have made its final autopayment of {$22.00} and be resolved. 

I did not know there was any issue with my account until my bank and XXXX both alerted me of a XXXX change of XXXX to XXXX. I was shocked. I attempted to go to the existing dell finance site but website was not allowing access to any updated information. When I would call they would transfer me to the new provider of Comenity who did not or would not service since I did not have my new account number that I hadn't received yet from them. I had to go through an automated service using my SSN to then request to have my new account number mailed to me. 

Once I received the # I created my account and made a payment to my surprise of {$82.00} to get it resolved ASAP. When I called to inquire as to what happened Comenity advised they were not able to help since it was with the previous provider. When I called the previous provider they defered me to Comenity. Without any recourse available via phone I've started to dispute it through XXXX and also the CFPB. 

Also, it is showing me as current for both XXXX and XXXX yet XXXX shows past due 60 days? None of this makes sense.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-05
Company: Fidelity National Information Services, Inc. (FNIS)
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I hope this message finds you well. I am writing to request an updated report on the current status of my ChexSystems. As I continue to monitor and enhance my financial processes, having the most recent information is essential for informed decision-making. Please provide me an updated report of my checksystem and send it in my email 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 2024-02-04
Company: Continental Finance Company, LLC
State: WI
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:
I filed an investigation dispute request through the credit report agency XXXX about the inaccuracies listed under this credit account. But your company fail to comply and did nothing to correct these errors. Stating that the information was verified as accurate, which is 100 % not true. Your company has now violated my consumer rights under the Fair Credit Reporting Act Section 623 and 15 U.S.C. Section 1681s-2 Responsibilities of furnishers of information to consumer credit reporting agencies. The date closed does not match up with the payment rating history on my XXXX credit report and the payment rating is also missing for XXXX  ( Please See Attachments )

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: 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:
We closed on our refinance mortgage with XXXX XXXX using our title company to provide checks for credit card payoffs. 

All cleared- but for Citibank- in less than a week. 

Citibank is almost XXXXhree weeks. 

They have the check. Nothing returned. 

Title company told us they are one of the top three most unethical banks in the United States charging interest for three weeks when they have no reason too. This title company sends out tens of millions in checks for multiple national mortgage companies. XXXX XXXX  XXXX of dollars reaping what Ive estimated at a XXXX dollars or more. Should be illegal. 

I want to know whats going on. 

A Citibank customer for over 30 years. Even venture transactions in the tens of millions. 

I think Ill pull all of that, eh?

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