BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Wrong amount charged or received

Complaint:
Yesterday, XX/XX/XXXX, I visited a local Bank of America branch to deposit {$16000.00} cash ( bills of {$100.00}, {$50.00} and {$20.00} ) that I receive from the sale of my car as I am relocating due to work. I bought my car at {$18000.00} and decided to sell it for far less. I counted the money and placed it safely on my bag so I could go the next morning and deposit it into my account. I am a XXXX XXXX arriving to the BoFA bank and before giving the teller the money I explained to him that it was going to be a huge amount. I passed the dollar bills while he started placing the cash into the counting machines. He then told me that if the amount exceeds XXXX I had to fill a form. I told him that I was completely fine with doing that as I am not that acquainted with federal regulations in terms of huge deposits and agreed. He then told me if in the case that I didn't have lot of time available it could be easier for him to just give me XXXX to deposit into the ATM and I didn't had to fill anything. Immediately after this he handled me a receipt for {$9500.00} and XXXX bills of {$100.00}. I left a little confused and asked him that if that was the total amount I gave him. He said " yes, that is what the machine has counted '' so I went outside and made some calls to make sure I was not going to accuse him. Just to clarify that as the naive girl that I am I could've never thought of the idea of my own bank robbing me and lying to my face. I was notified that the remaining amount of money ( {$6000.00} dollars ) was not at home and went in to speak to the branch manager. The manager straight up asked me how much money was supposed to be allocated, and given his reaction I could've easily lied any amount and that amount of money was going to be deposited into my account. He started explaining that the teller was about to do that on his own and it was a mere problem with the system. The manager then handled me a new receipt of XXXX ( which is the amount I told him given that I had XXXX in cash in my bag ) and asked me to give back the old receipt. This is all hopefully seen in the video cameras as I left and returned. I know for a fact that if I haven't returned back to the branch crying due to the situation I would've been rip off by a substantial amount of ( {$6000.00} )

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 2023-01-21
Company: WELLS FARGO & COMPANY
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Unnecessary overdraft fees repeatedly charged to my accounts and tellers were unable to explain the fee charged but highly demanded they be paid resulting in closing my accounts

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 2018-08-09
Company: CITIBANK, N.A.
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
on XX/XX/XXXX I used the XXXX app to pay a merchant of accounts for an online video game, I sent XXXX dollars. The merchant refused to send me the account that I paid for and started demanding more money. on XX/XX/XXXX I attempted to have a charge back done on my citibank card and was prompted to ask the company XXXX for a credit to my account. I received a reply from XXXX on the XXXX stating that there was absolutely nothing they could do and all transactions are permanent. My complaint is both with Citibank and XXXX. XXXX is allowing fraudulent users to break their own terms of service as I was told on the XXXX that XXXX does not support merchant services on their app. Citibank will not authorize a charge back of these payments as a result of XXXX unwillingness to comply.

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 2017-01-25
Company: Southwest Credit Systems, L.P.
State: NY
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
XXXX XXXX the security company repeatedly tried to collect on a bill that was never owed. I had service with XXXX when they overbilled me by {$250.00} claiming that they paid it to secure a permit for my alarm with the XXXX county Police. I have called them requesting that they produce evidence substantiating a permit application or payment in conjunction with the alleged application. In fact I have had such a permit with XXXX County Police that I paid XXXX for the past four years. I believe that they intentionally lied and misrepresented the fact that they applied and wanted to wrongfully charged me for money that was never owed. I immediately complained and they sold and transferred the account to a third party, when I complained to the third party they assigned the account to another debt collector.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-09
Company: Santander Consumer USA Holdings Inc.
State: IL
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Disputed with the company on XX/XX/2018. Company received my disputes on XX/XX/2018 as it shows according to the certified mail. It is now XX/XX/2018 and I've yet to hear back from the company. The FCRA gives the company 30 days to respond, i have not gotten a response

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24
Company: EQUIFAX, INC.
State: DE
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:
I have contacted all 3 credit bureaus ( XXXX, XXXX, and Equifax ) because an original creditor, XXXX XXXX has been reporting in accuracies on my credit report. This creditor has used tactics to re age an account that negatively reports every month for the past 5 months. The account has been charged off, but they report it on my account as if it is a new account and when it is disputed, XXXX XXXX immediately updates the dates as this account is new or closed but still reports. I have written to the credit bureaus stating that this was in violation and without proper investigation especially with compliance these accounts had to be removed because they were clearly violating the law. 

The credit bureaus refuse to remove these account from creditor, XXXX XXXX as I have clearly proven to them that they are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of Identity theft. I did not make these charges listed on my FTC report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-09
Company: Experian Information Solutions Inc.
State: OK
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
debt is being report as collection or charge off in the amount of XXXX, I have never been under contract with XXXX, I have disputed several times with Experian and XXXX   the information being reported has not been validated and is inaccurate, both XXXX and Experian don't show a whole account number. also the contact information on report is inaccurate I have tried contacting XXXX through the address on my report and phone number, in which letters are sent back as un deliverable the FCPB has tried making contact and has not been able to contact either, So under FCRA not being able to dispute and wrong information add to report must be deleted, I will not file another complaint after this but am in prosses of filing a civil case against XXXX and Experian, for unvalidate and wrong information being reported to my reports and I will seeking XXXX in court, unless this is solved prior to court I will not settle the day of court.

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 2018-06-21
Company: Fedloan Help
State: HI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I've been sitting on school loan from the XX/XX/XXXX 's which originally was {$7500.00} that I have been paying on and off. But due to life circumstances it's now pushing {$30000.00}. The Fedlaon can't even give me on how much I've paid into this for the last 30+ years because its changed so many different hands. It started as a private loan, that much I know. I've reached out over the years for information and can not seem to get any details so I just keep applying for forbearances as the principal continues to grow and grow. 
My Circumstance ... 
My wife and I lost our only son back in XX/XX/XXXX. ( XXXX, XXXX XXXX ) We went through a hell of a court battle through the Florida court system all the way to the FL Supreme Court where we eventually lost but, my wife and I are survivors and realizing after years, it's now our cross for the rest of our lives. 
I'm XXXX years old and lost everything when my son passed and at the time, I couldn't care less. Now getting back on my feet slowly and hopefully I can have some kind retirement and definitely sleep a little better with this monkey off my back. 
However, there has been a good thing come out of this tragedy, my wife and I played a very influential part and passed House Bill No. 67 in XX/XX/XXXX that XXXX XXXX signed cited as the " Gordon and Miulli Act Its a defibrillator law for schools and park districts in the state of Florida. It was all my son needed to be saved.. ( Again, XXXX XXXX XXXX or the XXXX XXXX XXXX ). In which case should be considered a Public Service of some kind.

Company response to consumer: Untimely response
Consumer complaint received 2016-06-21
Company: CITIBANK, N.A.
State: VA
Product: Credit card
Issue: Billing statement

Complaint:
As you probably know, all American Express XXXX cards were converted to XXXX on XXXX XXXX 2016. I have no problem with that. But, now I am unable to download my recent statements. American Express says they turned them over to XXXX. XXXX says they never got them. Somebody has my statements and I want them. I think Amex is just being rude because they 've lost the business.

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 2017-02-24
Company: WELLS FARGO & COMPANY
State: NJ
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
On XXXX XXXX and XXXX XXXX, there were bank accounts opened at Wells Fargo in my name. I did not open these accounts. There was also an application for a Wells Fargo Credit card in my name, unbeknownst to me. Even though I spoke to the Executive office at Wells Fargo on XXXX XXXX about this, accounts were opened again a week later. 
I went in person to the Wells Fargo bank on XXXX XXXX at XXXX XXXX at XXXX XXXX, XXXX XXXX and a case has been opened. I was told that all my information had been used. This is the only business that it seems my identity has been use since I am a former bank account holder with Wells Fargo. I want to hold Wells Fargo responsible for this breach in my confidential information and I want to have an police report and help with changing my XXXX Drivers ' license number. I also want Wells Fargo to pay for an Identity theft protection service to say the least this seems to be coming from their offices.

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 2017-01-31
Company: CITIBANK, N.A.
State: OH
Product: Credit card
Issue: Transaction issue

Complaint:
I am contacting your agency because I need your help in disputing some charges done on my Mastercard At & t Universal credit card by some fraudulent companies. I have paid several companies thousands of dollars for various online business related and have found myself as a victim of a professionally orchestrated scam. After I paid one company my phone got inundated with calls from these companies offering me their services. I would like you to investigate a all charges done on my card by XXXX charged on XX/XX/2015. They contacted me after I clicked an ad for a " work from home '' business opportunity from an email. They offered me leads, advertising, increase traffic to my website resulting in sales. I never made a penny.They kept saying how important their services were and would bring traffic to my website. I never got any results of their work.I did not get any benefits from it. I never received any goods or services. I have been lied to and charged for services that have not been provided as promised. They have used false and misleading tactics and it is clear that they never intended to fulfill their end of the deal. I tried to resolve directly with them and get my refund but they ignored my requests.

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 2021-06-23
Company: SYNCHRONY FINANCIAL
State: TN
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:
Ive tried to report this as identity theft and fraud.. this account is not mine nor did I sign anything for this account please review and delete

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 2021-06-23
Company: Square Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I got a cash app card sent to me in the mail. It has my name, CVV number, 16 digit account number and expiration date. 

I did not ask for or apply for this card. 

Cash app is a subsidiary of Square. There is literally no way to reach anyone at Square unless you are an account holder, which I am not.

My report is in regard to the card, but also that Square has no way to contact a human. I can not even email them. How can they be in business as a financial institution with no way to communicate with them in cases like this? 

Square should be required to have a hotline or clearly labeled email for fraud support OR BE SHUT DOWN.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-07
Company: Santander Consumer USA Holdings Inc.
State: IL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I recently had my car repossessed in XXXX 2015. After the repossession I was given the option to get my car back if I could bring my account current. I brought my account current through Santander and the various agencies they worked with. Once my account was current Santander reinstated my loan and had me being making monthly payments ; however, the status of my loan on my credit report is faulty. It still displays my account in charge off status, with me making monthly payments to the account, and no evidence of the loan being reinstated. 

If my account has been brought current, and you have reinstated my loan, it would only make sense to reflect my account as a simple interest loan once more with installment payments being paid on time currently. It does not seem feasible that one would reinstate my loan while still reporting it as charged off with payments being made on that charge off monthly. 

Santander has refused to give me paperwork stating that they have reinstated my loan. All I have currently is my payment history which they are obligated to provide me with.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-16
Company: CITIBANK, N.A.
State: NJ
Product: Credit card
Issue: Billing disputes

Complaint:
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due XX/XX/2014 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get 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 2018-07-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX XXXX needs to be removed from my credit report. I have no debt owed to this company or to XXXX XXXX XXXX My payments have been made in full. 

If this is not removed within 30 days, I intend to file suit.

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 2021-05-19
Company: EQUIFAX, INC.
State: TX
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the XXXX  you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-09
Company: Santander Consumer USA Holdings Inc.
State: WA
Product: Debt collection
Sub-product: Auto
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
The company SANTANDER continued to request payment for the Acura they had in their possession. They took the car and charged collection as though I still owned it. This is theft. Please advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-17
Company: NEW YORK COMMUNITY BANK
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I have been having problems with this bank, and decided to close me account. I contacted them to get explicit directions on how to close it. I had numerous problems with this bank before and wanted to make sure I could l so without incurring any fees. It is an interest baring account. I called to find out to close the account, but get the remaining interest due. I was told in that situation to leave {$1.00} t {$2.00} in the account and the remaining interest would be deposed after the next cycle closed ; after that happened, I could with withdraw out any penalties. Instead I got numerous letters that my account was overdrawn, because the bank charged me fees for not meeting a minimum balance. I got multiple letters threatening they were going to report to the credit reports and that this was a default that was going to show up on my credit report. They were claiming my account was overdrawn {$8.00} ; they had charged me {$10.00}, directly contradicting their directions that said that they would not do that. When I first contacted them, I got the complete run around. First they told me they could not legally reverse the fees. When I threatened to sue them, they said they would reverse the charges. I insisted they send me a letter verifying my account was not overdrawn and that they would not contact the credit agency. They have refused even to address the issue after months of my asking them to : this is wholly illegal. All their responses say is that my account now has no balance due, which I know. I contacted them XXXX times and they refuse to address whether they sent this information to a credit agency or took or will take any adverse action. I believe their refusal to respond is also directly retaliatory, because of the documented issues I had with this before. I think that they violated multiple laws. They Illegally sent or threatened to send misinformation to credit agencies, and then have refused to address those threats and whether they have done so. The only amount that was over drawn on the account was the amount they illegally charged me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-09
Company: AES/PHEAA
State: SC
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:
I originally was assigned to XXXX XXXX as my federal student loans lender in XX/XX/XXXX. Once I started making payments to them I was very careful about ensuring that my payment type would qualify for PSLF. I called several times to ensure this before I started making payments and was reassured on more than one occasion that my payment plan would qualify. 
In XX/XX/XXXX I was transferred to XXXX due to doing my first PSLF certification forms. I was just notified today that the 38 payments made with XXXX would not qualify although XXXX reassured me that my plan would qualify. XXXX also advised that there was no need to certify my employment until I reached 120 payments as I am a XXXX XXXX, but I acted on information from my company and am glad I did. I would like to know if there is an appeals process since I was acing on the bad information provided and have invested thousands of dollars that don't qualify.

Company response to consumer: Closed with explanation