BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2024-02-01
Company: The Sayer Law Group, P.C.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/2023 I received mail from a debt collector ( Sayer Law Group, PC ) stating I owe a debt. ( account number XXXX ) from another party ( XXXX XXXX XXXX XXXX ), which is a violation under 15 USC 1692b ( 2 ) and violated 15 USC 1681 ( b ). They infringed on my rights to privacy under federal law. Sayer Law Group, PC were given my information without consent from ( me ), but was given from XXXX XXXX XXXX XXXX. Under 15 USC 1692e Sayer Law Group, PC violated me with false and misleading as far as legal status of debt, falsely implicating and representation of themselves into my privacy, with deceptive forms which a violation of 15 USC 1692j. Also in these deceptive forms, Sayer Law Group, PC are in violation of 15 USC 1692d ( 2 ) used obscene and profane language, by stating the word debt and stating the word owe is obscene and profane language. Sayer Law Group, PC is in violation under 15 USC 1692f ( 8 ) unfair practice by using symbol by their address on envelope.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-01
Company: OLD NATIONAL BANCORP
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
On XX/XX/XXXX of 2023, and XX/XX/XXXX I was charged for a total of {$160.00} for both transactions combined. I have contacted both companies and have not heard anything about the situation. I had contacted one of the companies about 2 times but didnt get a response. I also had contacted another company but no response. I would like to get my money 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 2024-01-31
Company: CITIBANK, N.A.
State: TN
Product: Credit 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:
On XX/XX/2023 I made two purchases from XXXX XXXX ( XXXX ) totaling {$10000.00} on two vintage time pieces. The promised delivery dates came and went and after waiting two months I cancelled the order and requested a refund per the vendors policy stated on their site. The vendor apologized and stated a refund would be processed within days. After a week I received a refund confirmation e-mail stating a refund was processed but nothing hit the credit card. I called CitiBank and they confirmed, no refunds from the vendor had been sent. I followed up with the vendor who apologized and stated it was an issue with their accounting team. I went back and forth with the vendor for another two months and reached out to my credit card company for advice. They suggested I dispute the transaction so they could investigate. I did this and waited the required time. After the vendor responded CitiBank closed the case and reversed the charge back to me. They have not been able to provide information on what the response from the vendor was. They are doing a follow-up on my case but have not been very good with follow-up. I provided 16 pages of e-mails with the vendor to CitiBank as part of the dispute. I feel none of this was reviewed as CitiBank would have clearly seen the company had promised a refund and no product was ever shipped. Even the order number shows as cancelled on the vendors website. I am seeking assistance with CitiBank as no refund has been received and no product received yet I was still charged the $ XXXX on my credit card.

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 2024-01-29
Company: CITIBANK, N.A.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Starting in XX/XX/2023 I made several credit card purchases with a Citi Bank credit card where I had previously rolled a larger purchase into an installment loan at a favorable rate ( approx 5 % ). 
I judiciously prepaid these subsequent card purchases in advance of the billing cycleto avoid the 22 % + standard credit card interest rate. 
Citi inappropriately charged me interest on these subsequent purchases at the high rate. Their bankers pointed out that my prepayment in advance of the billing cycle caused a system glitch whereby the normal hierarchy of payment applications didnt work. They refunded my interest twice but claimed they could not refund more than twice ( regardless of it being their system error ). Something is wrong and many customers may be getting over charged.

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 2024-01-30
Company: Prosper Marketplace, Inc.
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I initially called in XXXX last year to report charges as fraud through prosper credit card. My credit card was physically stolen and used. Since then, I received a brand new credit card number and got no response afterwards. I then called a few more times over the next few months to follow up. There has been nobody calling me about this. The charges that are fraud are from XX/XX/XXXX. There are 12 transactions total. 1 was declined. 

This is what I see on the app : Everything on XX/XX/year> XXXX XXXX ( denied ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Total of XXXX I have called numerous times and in XXXX was told no fraud claim has been filed. Since then, Ive contacted them 5+ times with no updates. I just contacted them again today and the representative supposedly filed a claim. They say that there is no claim number or anything. I even sent emails. Ive contacted the bank that sponsors prosper card services and the lady tried to help me get them to contact me. Still nothing. 

I was told through a recent email that back in XXXX, I never reported the charges as fraud which is either a lie, or their mistake. I 100 % reported these charges as fraudulent and I think the representative made a mistake. Either way, I contacted prosper and made sure to let them know about the fraudulent charges. As far as I know, the representative may or may not have filed a claim but I have no idea. They cant give me any information and it is very frustrating.

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 2024-01-30
Company: Shellpoint Partners, LLC
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
NewRez LLC has purchased my mortgage from another lender. This is my mortgage for my condominium and primary residence. 

They have sent multiple letters threatening to purchase " hazard insurance '' on my behalf, after I have provided all of the documentation they have requested. This hazard insurance has been purchased by my HOA, on time and with out any lapses, and I have provided this information several times. 

They are threatening to purchase this insurance to cover dates IN THE PAST (? ) at an expense that could be " significantly more than insurance I could buy myself '' ... it's outright fraud. 

The XXXX automated system, online help, and phone hotline are a dead end. No one calls back, no one can help. 


XX/XX/XXXX : Original letter from XXXX stating that they need a copy of my HOA hazard insurance. 

XX/XX/XXXX : Called and representative said it was just an initial letter and no policy would be purchased without more warning. 

XXXX  : I obtained and sent all of the insurance information. 

XX/XX/XXXX : Received second letter from XXXX saying what I provided was sufficient. 

XX/XX/XXXX : Received a new letter that says it's my final notice (? ) and need insurance information for dates that have PASSED, XX/XX/XXXX, XXXX XXXX, XXXX or I will be charged + {$500.00}. 
- XXXX does not include a place to send the information. 
- Chat agent is unavailable, no one calls back, on hold endlessly. 
- Asking for insurance information for dates that have passed and threatening to buy insurance for past dates and charge me for it (? )... For an insurance policy that isnt mine ( responsibility of the HOA ), for a policy that Ive already given information for. 

XX/XX/XXXX : Uploaded insurance document for all of XXXX to cover their new dates in question. 

XX/XX/XXXX : Received an email saying they received documents and will update my information within XXXX hours, they provided reference : XXXX XXXX XXXX New letter dated XX/XX/XXXX saying I havent provided the insurance information that I HAVE provided, and outlining a cost, for insurance that I dont purchase, for dates that are in the past. They say they will purchase this and add it to my escrow balance. 

XX/XX/XXXX : Filed complaint with XXXX 

XX/XX/XXXX : They have not returned my call for XXXX hours. XXXX system is a dead end. Online chat just gives you the number to their insurance department that no one answers. 

Infuriating and should be considered unlawful consumer harassment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-30
Company: CUSTOMERS BANCORP, INC
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Commencing on or about XXXX XX/XX/XXXX XXXX, I fell victim to a multi-layered scam operation run by unknown individual ( the Fraudster ), which involved me making deposits for a total amount of XXXX USD from my XXXX XXXXXXXX XXXX account to Customers Bank at the instructions of the scammers.

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: Muskegon Car Credit, Inc.
State: MI
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This debt collector used unfair, abusive, and misleading tactics that are prohibited under the FDCPA. They provided this account, for which I did not sign an agreement, and we did not agree. Two parties must sign a legal contract, and I was not involved in any of it. Furthermore, they did not adhere to the correct five-step validation procedure, which renders these activities unfair. I'm entitled to {$1000.00} for each breach under the FDCPA, and it's obvious that they infringed my rights. 

I'm going to have to send this to my litigation attorney if this corporation doesn't remove this account from all three credit reporting agencies and pay me for the violations.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-27
Company: M&T BANK CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
This bank is treating me horribly discrimaiting me I feel they dont value me or my business they recently closed my account due to inactivity I was sick and in the hospital now I went to their branch to try to open an account they refused told me Im a bad customer wont open any accounts for me I requested a personal checking and business they said no without even seeing why I dont qualify they wouldnt give me any information I was treated horribly at the 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 explanation
Consumer complaint received 2024-01-30
Company: WELLS FARGO & COMPANY
State: WA
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:
Warning : Wells Fargo Destroyed My Credit Score with Negligent Handling of Fraudulent Charge Wells Fargo 's destroyed my credit score with an already-disputed {$1.00} fraud charge on a closed account. Last year on XX/XX/XXXXXXXX XXXX XXXX a {$1.00} fraudulent charge for XXXXXXXX XXXX in the XXXX popped up on my Wells Fargo card. Never been there. I disputed it immediately, they closed the account and sent me a new card, they promised I was not responsible for the fraudulent charge in any way. But five months later on XXXXXXXX XXXX XXXX, Wells Fargo reports the charge as a charge-off to various credit report agency. 

Result? My credit score tanks, car insurance rates skyrocket, and my mortgage plans go up in smoke, XXXX also lowered the credit limit on one of my credit card. Even if I dispute it with credit bureau, it takes time, my life plan was disrupted.

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 2024-01-28
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
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: Their investigation did not fix an error on your report

Complaint:
I HAVE FILED NUMEROUS COMPLAINTS ABOUT THIS SAME ISSUE IN THE LAST THREE YEARS!!! I NEED THIS RESOLVED ASAP! XXXX continues to report this USAA ADVERSE ACCOUNT as open and as a closed within the last 30 days They keep re-reporting it so every month my credit score drops 30-50 points!!! I can't keep living like this!!!! SOMETHING HELP ME OR WE WILL BE DRIVE TO XXXX!!!! USAA CLOSED THIS ACCOUNT IN XX/XX/year> AND with the help of XXXX USAA is HOLDING ME HOSTAGE BY CONTINUING TO REPORT THIS DEBT AS NEW AND THEN CLOSED WITHIN THE LAST 30 DAYS PLEASE STOP THEM FROM DOING THIS AS WE ARE BEING DRIVEN TO EXTREME POVERTY. MY SON HAS XXXX PLEASE HAVE MERCY!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-30
Company: Tribal Lending Enterprise, Inc.
State: AL
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount

Complaint:
Description of complaint : On XX/XX/year> Ascend Loans correctly charged me for my bi-weekly payment, then a few days charged me AGAIN for the same amount. When I spoke with XXXX, she said I was only charged on XX/XX/year>. Please the attached the another payment was charged. Please return that extra payment IMMEDIATELY. Thank you. 

Desired settlement : Refund Money paid to business : {$120.00}

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 2023-12-01
Company: Monarch Recovery Holdings, Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Called in to pay a debt that I did acknowledge that belonged to me. I was told if I paid the debt it would be reported to the original creditor and a receipt or letter would be provided to me within 10 days after payment. 

I called back in on XXXX  informing the representee I still yet to have received any receipt of the payment I made on XXXX  The representee continue to try over talking me while on the phone. The representee did acknowledge I paid said the account was closed. My question to her was, can I get my receipt that the debt was paid and settled? She said they would mail it out. I asked for a email option or fax and that was denied. My second question was this paid debt reported to the original creditor? The representee said she did not know. I asked to speak with a supervisor that could answer the question? I was on hold for over 24 minutes and 44 seconds and they hung up on me! 

On XX/XX/ the first representee took my payment and said it could be sent by email or XXXX after ten days. I was misinformed by both calls to take my payment and now I can not get any proof of the debt being settled or resolved feel I was lied to to just take my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30
Company: Experian Information Solutions Inc.
State: FL
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:
To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway

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 2023-11-29
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: OK
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I have a car loan with BMO Bank and on XX/XX/XXXX they pulled an extra {$340.00} car payment out of my bank account and when I called to ask why and get it cancelled they said I had set up recurring payments. I do not remember setting up recurring payments nor did it pop up a confirmation page if I did. On my BMO account page it had said my recurring payments were off, while multiple representatives claimed it was on. I was able to get a refund for the {$340.00} but my bank account had charged {$30.00} for an overdraft fee and I requested that BMO pay it and I was told they could not because it was an external bank. I had cancelled all of my pending recurring payments and turned off recurring payments. On XX/XX/XXXX, I had a pending transaction with my bank account for {$340.00} again and I called BMO again and they said I do not have recurring payments turned on but when I asked why it came out then I was transferred to a supervisor who told me that I did have my recurring payments turned on but when I had cancelled it before, it didnt cancel this one for some reason. I was told that they cancelled this pending transaction but it still pulled it from my bank account and shows in process back from XX/XX/XXXX. When I logged into BMO bank to cancel this transaction like we had done last time, my account was locked. I could not cancel this transaction or do anything with my account. This was without warning. I called and they said it would clear when my latest payment posted but they couldnt cancel it. I called again and got a different representative and was told that they COULD take care of it and when I logged in, I was able to check my account as normal. I was told I would have my money back by today XX/XX/XXXX in my bank account. As of XXXX I still do not have it back in my account. I called them around XXXX on XX/XX/XXXX and I was told that it was still pending so they are not able to refund it and I said its pulled from my bank account so how is it still pending. I was told it just is. I asked to be transferred to a supervisor as I was told I would be getting my money back today and the representative hung up on me. I have rent that is due at the end of day tomorrow that I will not have because they have not pulled my rent money from my account against my will and will not even correct the issue or apologize.

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 2023-11-28
Company: JPMORGAN CHASE & CO.
State: IN
Product: Credit 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 received today 's date information that my prior complaint had been resolved. Chase Bank stated that I still owed {$46.00} for a purchase using their credit card. The Chase Worker Executive Office assigned the original complaint told me to contact Chase 's Customer Protection Group at XXXX every day from XXXX XXXX to XXXX XXXX. XXXX XXXX. I attempted to contact them without success today 's date. I have never received a statement or late payment due from Chase Credit Card Service. I have told the worker from the Executive Office that information. I attempted to get that information today 's date from the number the worker provided. I left a message with the Executive Office worker two weeks ago and today 's date. The worker has not contacted me about getting a specific statement on the billing listed. I would like to resolve this dispute, but I am not privy to Chase 's Information on my own account. I did not receive any information on this bill.

I would gladly pay ASAP the original bill if I can confirm that I made the disputed transaction. I however do not feel any additional charges should be paid by me for a bill that became overdue with no notification to the card holder.

Company response to consumer: Closed with explanation