BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-02
Company: WELLS FARGO & COMPANY
State: AK
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I had traveled to a few states for vacations. On Sunday XX/XX/XXXX I received multiple charges on my Well Fargo account, {$650.00} was taken out of my account, and Wells Fargo was reporting fraud detection to my emails. The transaction was to someone I did not know and seemed like a fake name. I called the customer number XXXX as this was all happening, they sent me to Freud line, I told them what was happening, and I did not authorize these transactions. Wells Fargo said they will cancel those transactions, turn off my account, and changed password. XX/XX/XXXX I notice the chargers were still pending so I called again. Well Fargo customer service turned off my XXXX, new username, got another new account, and they sent me a new card. I was told the transaction is posted as pending but it will not go through. On Wednesday XX/XX/XXXX, the transaction went through so I called again and they put in a claim. 
XX/XX/XXXX Wells Fargo send an email and letter in the main to me of the claim number saying an error did occur. On XX/XX/XXXX, I called again about the transaction so since they went through, Wells Fargo just helped me change my username and and password again. In XXXX, I received my claim was denied, was still missing the money, and never returned to my account. After a few months, I gather all my evidence that these transactions were fraud, how much I called to cancel, and these transactions were not approved by me. In XX/XX/XXXX I went to my local Wells Fargo bank, talked with a banker about this situation, he said hell put in another claim, and I should get all my money back. I received another letter saying the investigation is over and I was denied again. Looking at the email of the banker is now unavailable. Later that year in XXXX none of my payments were going through when I had money in my account. On XX/XX/XXXX I receive email from Wells Fargo discussing the closure of my account. I got a letter in the mail that showed suspicious activity towards my account and closed my account completely. On the bottom of the email says If you did not send this money, or if you have questions, call Wells Fargo Online Customer Service at XXXX, XXXX hours a day, 7 days a week but yet I called every single day and did not receive the rest of my money.

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 2018-09-05
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I received a postcard in the mail for my Citizens Bank One Deposit Checking account ( # XXXX ) The postcard offered a {$50.00} bonus for making three online bill payments with the new checking account between XX/XX/XXXX and XX/XX/2018. I made three such payments between XX/XX/XXXX and XX/XX/XXXX. 

Per the offer terms, that bonus was due XX/XX/XXXX. I have still not received it. I sent the company a secure message in XXXX and have still not heard back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-17
Company: DISCOVER BANK
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Multiple calls from XXXX and XXXX I believe to get resolutions of my multiple disputes from XXXX XXXX XXXX XXXX and several other merchants. I've done my best to pay my bill on time and I wasn't even able to file a dispute on Discover 's website for XXXXXXXX and I had to go to the store since I have yet to hear anything substantial from XXXX I've made two payments on my Discover card in XXXX and given no warning when I was prevented from calling and that same letter from XX/XX/XXXX was mailed to me this week which doesn't help resolve a dispute. This " executive office '' is horrible and I need help from you. They haven't given their last names so I don't know if it's a robot. This company is horrible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10
Company: Google Compare Credit Cards Inc.
State: FL
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 purchased two phones from Google through their online store and financed the purchase through Google 's Credit ( which is really XXXX Bank ) to which I have been paying off with my XXXX credit card. I returned the phones, Google confirms they received the phones in good condition and will issue a refund in up to 14 business days. It has been over a month. Hours were spent talking to Google Support, then sent to Google *XXXX Support, to have to repeat the story to a Synchrony agent only to then be shuffled back to a Google Support XXXX. Truly a nightmare. 

I have been purchasing Google products for years and never had a problem up until now because I had to return something. There has been zero refund to my credit card, Google XXXX account ( which I'm still making payments on!!!! ), or Google account. You would think after buying XXXX phones from them they would want to help you out. It's honestly shocking how awful Google has fumbled this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-01
Company: First Financial of Columbia, Inc
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have a loan at First Credit in Florence and I have XXXX XXXX app on my phone which allows me to get alerts. This company ran my credit in XXXX for no apparent reason and I didnt give them permission. It was used because I wasnt answering my phone while at work so they took upon themselves to run my credit. Same thing happened to my Husband XXXX XXXX but they ran his 3 times within 5 months and this is not right

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13
Company: Nelnet, Inc.
State: CA
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 were transferred to Nelnet from Great Lakes. Once they transferred, I applied for deferment since I am eligible ( currently a student more than half time ). They have had months to process this deferment request. I did not pay my student loon payment that was due yesterday because I do not have to due to be being eligible for deferment. They now say my account is past due, have added interest to the loans, and reported to the credit agencies that I missed a payment, ruining my credit score which has far reaching affects. This is unacceptable. They need to right this situation ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
Company: LEXISNEXIS
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I am putting in a complaint because XXXX XXXX Lexis Nexis has reported My bankruptcy when in fact my bankruptcy court has given me written proof stating they indeed don't report to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02
Company: Nelnet, Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
So I am looking on my XXXX XXXX and XXXX credit report on XX/XX/XXXX and I see I have 2 student loans from Nelnet that were taken out under my name on XX/XX/XXXX one amount for XXXX $ and another amount for XXXX $ both on the same day. I have never in my life taken out any kind of student loans this is 100 % and I have no idea what to do from this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02
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 submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 2023-09-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened without my consent or knowledge

Complaint:
On XX/XX/23 a XXXX XXXX banking account was opened at Bank of America without my knowledge ( acct XXXX ). I called and reported this, was given the case id : XXXX, told it would take 90 days to resolve. On XX/XX/XXXX, they requested I send a copy of my SSN to prove I didn't open the account. I declined, as they already had my SSN, DOB and address, so showing my SSN would not prove anything. On XX/XX/23 I received a letter that they decided to close my account, that they could report me and it could affect my credit, and sent me a check for {$1.00}, which was what was left in the account ( I did not cash as it is not my money ). 

This could damage my credit, and I was offered no cybersecurity measures or ID monitoring. 

Please note, I have no accounts with Bank of America, and at no point did they request I go to a branch in person to show my license to close this account immediately and flag it for fraud. There only investigation was to ask me if I suspected anyone of doing this.

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 2023-05-02
Company: Atlanticus Services Corporation
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 713,719, I presume that no debt, nor therefore any such debt, in fact therefore exists

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
the issue I would like to report is related to ATM error, I Deposit {$3300.00} but it just show {$3100.00}. 

On XX/XX/2023, XXXXXXXX XXXX I went to XXXX, NJ Capital One branch, and using the machine XXXX to pay my credit card debit. I have to pay {$3300.00}, so that's why I bring a cash and pay for it, but the ATM machine has error, when I deposit {$3300.00}, the ATM just accept XXXX XXXX, then i press deposit and keep deposit the money, but at the end of the processing, I found out the amount is not correct, it divide to few transaction, {$1000.00}, {$700.00}, and {$1400.00}, {$200.00} is missing, then I call the customer service right the way when I still in the branch, and the give me a temporally credit. because I also work in a bank, I know the procedure, they have to audit the ATM machine, and make sure the amount is match, so I never worry about it. 

They took a temporally credit back after 10 days, they said after investigation, they couldn't found the money. I count the money few times after I made a deposit, so I am sure the amount is correct. and it was happen on Sat, I asked them when they did a audit? in this month, how much customer dispute for the incorrect amount? do they have a regular check up for the machine, and when I deposit the money, the machine has issue, keep return me back the money, and didn't deposit it correctly, that's why it divide a few separate transaction, but the customer service said, they couldn't do anything, even complaint, that's doesn't make sense. The investigation is totally not transparency, even I asked them they can checked the cam to see when I deposited the Money, the machine has issue. I know I may not give my money back, but it's really not fair to the customer. I lost {$200.00}, if they did a audit I don't believe it will show the right balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05
Company: Paypal Holdings, Inc
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Actually this is a very serious error by Paypal. I was a part of a group of ministers that had a markeXXXX XXXX XXXX We used Paypal for the small amount we received. In 2019 I received a 1099 - tax document in my personal name. I immediately reported it to Paypal. The Paypal account belonged to XXXX XXXX XXXX XXXX. They apologized but I was not aware they had sent it to the IRS in my name. I began getting threatening letters, allegations of me not filing the taxes and demanding money from me. I contacted Paypal and they provided a copy corrected tax document which was corrected and sent to me. I submitted it to IRS. IRS has continued to aggressively threated me, pursued me and demanded payment. They claim that Paypal never submitted a corrected copy. I have writin Pay Pal over and over on the phone. They promised they would resolve things with Paypal. Paypal never responded to me or the IRS. I write the CEO and General Counsel twice and sent the mail by certified mail. Paypal still ignores me. 

PLEASE HELP ME GET PAYPAL TO UNDERSTAND THE SERIOUSNESS OF THIS MATTER. I AM SICK AND UNDER DOCTORS CARE, THEY HAVE CAUSED ME ALOT OF FEAR AND STRESS - XXXXXXXX HAS BEEN AN OPTION BECAUE I CAN NOT EVEN FATHOM BEING PURSUDED BY THE IRS. ALTHOUGH I DO NOT HAVE ANYTHING IT IS NOT ACCEPTABLE I AM SUFFERING DUE OT PAYPALS NEGLIGENCE AND NOT TAKING CARE OF THEIR ERROR WITH IRS. 

HELP ME! 

XXXX XXXX ( XXXX ) XXXX XXXX XXXX  XXXX XXXX XXXX CA XXXX PLEASE SEE DOCUMENTATION - PAYPAL IGNORES ME!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-02
Company: Ditech Financial LLC
State: AZ
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This debt was charged off by original debtor after insurance company paid them off after a fire at said residence. The debtor had insurance on home which they took out. This debt was charged off by original debtor.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My debit card was stolen by someone I knew who did not live with me on XX/XX/XXXX. I did not know, but this person was stole my card out of my car twice and used it at an ATM and multiple stores. I called Capital One as soon as I noticed it on XX/XX/XXXX, within minutes of the last transaction. Over almost a month, about {$3000.00} was stolen from my account. When I called capital one, I had no idea what was going on and told them I was not sure what had happened. I later found out who had stolen the card and reported it to the police. This person is a known con artist, has elicited money from many people for fraudulent charities, and has active warrants for stealing money and other things from other people who he comes in contact with. Capital one never asked me for any more information, they just denied my claim. I called to ask them how to re-open it, and at least 3 different employees told me they could not talk about it, and there was no way I could re-open the claim. My capital one debit card and credit card information were stolen ( not the cards because I still had them ) on XX/XX/XXXX and charged multiple times. I woke up in the morning to an alert from capital one asking if I had made one of the purchases, and I said it did not. These charges were {$400.00}. There were more on the credit card, but those were removed very quickly. Capital one let all of the transactions go through and would not allow me to dispute the ones on my debit card account until they cleared. They also refused to give me any information about the transactions and told me I would have to call the police for that information. They did not credit my account with the " provisional '' credits for several days. Meanwhile, my automatic withdrawal from the mortgage company had been denied, but I never got an alert or anything about this from capital one. I called them to tell them I had been charged an NSF fee, and capital one said they would not cover it because only the debit card had been compromised.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-08
Company: Colony Brands, Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This company received their merchandise back further mire it is a violation of FCRA to continue to report a debt in a consumers credit report more than 7 years. Even if the account was legitimately owed the date of last payment was XX/XX/XXXX. The account would have gone into delinquency and would be purged in XXXX. This is repeated reporting as delinquent is not legal.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23
Company: TD BANK US HOLDING COMPANY
State: MO
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Nordstrom.com and a XXXX by the name of XXXX, who claims to be in financial services, has canceled and blocked all online orders made by me or a family member to my address on file. Her reasoning was that I was upset and cursed at here over an order that was clearly tampered with when received. Instead of fixing the solution, she took it upon herself to block my usage and then in an email told me to not shop with Nordstrom. When advised to escalate and that she didn't have that authority she stated she could do whatever she wanted. This is causing me to not use my nordstrom card, who has stated there is nothing wrong with my credit account. XXXX is clearly vindictive over a customer being upset and is retaliating against me and my family over an issue that should have been resolved

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02
Company: Experian Information Solutions Inc.
State: FL
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:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 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 2022-11-23
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: Bounced checks or returned payments

Complaint:
Wells Fargo filed a claim on my account. Which they wont fix. I never filed claim on my account. Wells Fargo made a fraud on my account!

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 2022-04-05
Company: Experian Information Solutions Inc.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My XXXX XXXX XXXX XXXX is reporting to credit bureau saying that I was 30 days past due back in XXXX of XXXX. I have bank account statements saying I paid the monthly bill in full in XXXX of XXXX. This negative credit item is affecting me with buying my first home. I have disputed this with XXXX  XXXX and the 3 credit bureau but they will not change it to the correct information. XXXX has the information right but the other two bureaus do not have the information correct. I feel like I am getting bullied by XXXX  XXXX and the credit bureaus. Every time I call they do not care and give me hard time every time. Its very frustrating. Now by law im going to use my rights. The bureau has violated my rights. 15 U.S.C 1681 section 602 A states I have the right to privacy.

15 U.S.C 1681 Section 604 A section 2. It states a consume reporting agency can not furnish a account without my written instructions. 

Since the credit bureaus and XXXX XXXX do not want abide by the law hopefully this will make my credit report accurate.

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