BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-02-24
Company: HUNTINGTON NATIONAL BANK, THE
State: IN
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
I logged on to my bank checking account this morning and found a miscellaneous pending charge. When I called the bank to find out what this charge was, they claim it is a check that was submitted and since my account went negative that it was it was pending to see if would be paid or returned. Huntington has my account set up to pay any overdrafts and then I have the 24 hour grace to put funds into the account before I would be charged a fee. Huntington said they could not tell me who this charge was from and that this was a new policy that was implemented this week. I told them that I did not write a check for this amount and I needed to know who was trying to take the money out of my account and they refused to tell me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
My wife went through the drive-thru at Bank of America on XXXX. She had XXXX checks totaling {$5100.00}. She deposited {$4600.00} and took {$500.00} in cash. She received a deposit slip which showed {$4600.00} deposited. I received a letter on XXXX stating there were only XXXX checks and that {$25.00} would be taken out of our account. How can they do this once we have a deposit slip proving what we deposited. They could claim they did not get any checks or even a teller could take it. In this case they found the check XXXX days later and put it back into our account but if they did n't what would happen.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-02
Company: Paypal Holdings, Inc
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Paypal refused to cancel/remove an unauthorized transaction because of a old and inactive billing authorization. 

XXXX switched, without my consent, from charging my credit card to charging my paypal account for their monthly fee ( {$10.00} on XX/XX/XXXX ). The switch appears to have occurred when I added a XXXX account under a joint promotion ( approximately XX/XX/XXXX ). I am quite certain that I did not approve any changes to my payment method, and I immediately switched the payment method back upon discovering the error. 
I noticed the switch when paypal notified me of the pending charge - there was no prior notification from either entity. I immediately notified paypal, within an hour of the email, that this charge had not been approved. Paypal 's response was that the charge was authorized because I had allowed XXXX to charge my account XXXX time in the past, XX/XX/XXXX. It is clearly possible for there to be an unauthorized charge even when there is an existing and active billing arrangement ; all the moreso for an arrangement that hasn't been used for an extended period. 
Paypal 's reasoning is flawed and they should have removed the payment as requested.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-05-15
Company: Byrider Franchising, LLC
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX  has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10
Company: Delta Management Associates, Inc.
State: WI
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/XXXX, I received a call at my work, from XXXX XXXX saying she had to speak with me right away. I tried calling her back on XX/XX/XXXX and spoke with a XXXX XXXX who wanted my date of birth and social security number yet refused to disclose who he was and why he was contacting me. On their recorded line, I told him I am not to be called at work, I dont know why they are calling and It sounded like a scam so I ended the call. 
XX/XX/XXXX XXXX XXXX calls me at work again and leaves a message. After work, I call her back to have a bantering conversation with her and she told me the last 4 digits on my social security number, by saying the first and third number were the same, I said yes and she then identified herself as a debt collector for Ascension student loans for my non payment of over {$200000.00} in student loan debt. I told her this was a case from XXXX of identity theft and the first part of my SSN is NOT matching their records, the other persons birthday is in XXXX and the debt is not line and to never contact me again. She said she can contact me. I told her I dealt with this claim with the CFPB and she started getting nervous. She is with Delta Management Associates, Incorporated. 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 2022-12-18
Company: CITIBANK, N.A.
State: MT
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I opened a Citibank Citigold checking account on XX/XX/XXXX and deposited XXXX in the account, all via XXXX in the following dates : XX/XX/XXXX, XXXX transferred from my XXXX XXXX XXXXXXXX checking account XX/XX/XXXX, XXXX transferred from XXXX XX/XX/XXXX, XXXX transferred from XXXX XX/XX/XXXX, XXXX transferred from XXXX XX/XX/XXXX, XXXX transferred from XXXX XX/XX/XXXX, XXXX transferred from XXXX A letter from Citibank dated XX/XX/XXXX, that the account is restricted from all activities and will be closed within 60 days. We tried to call and find out whats this about, was told fund was transferred from an account I do not own, which is not true. I offered to provide proof where I do own the accounts funds were transferred from, was told I can stop by a branch to submit that. We live in XXXX, the closest Citibank is close to XXXX miles away. we did later reach out to a branch in XXXX, offered to submit proof there when my wife would be there for a business trip, was told they do not take these documents and when the back office closes an account, there is no need to submit anything In short, we tried to call, requested supervisor callback multiple times, no call back, emailed a branch representative, was told issue was escalated, the account balance is XXXX, but no info on where our XXXX is or whats their plan returning it. 

Can we please get some help?

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 2021-03-08
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I have an account with discount tire and I used them I always made my payments and always more then the minimum they ran my credit without my authorization and lowered my credit from XXXX to XXXX they said they see I pay my payments on time but it was something on my credit so they lowered it and I got notified and few months later through the app when I went to make a payment they closed my card I have a balance left on it which Im still to pay but they didnt need to close my account I use the card I never been late and they never had any payment issues from me they keep saying we sent a letter but I never got one and cant get an email from them other then when to pay them

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 2021-09-15
Company: WELLS FARGO & COMPANY
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
I have a wells fargo credit card and I HAD a wells fargo checking/savings account. 

I have mailed a certified letter about unauthorized purchases on both my credit and debit card. 

I have emailed wells fargo because i havent gotten a response from anyone. 
I can not log in to my account to review the past fees purchases or statements. 

Now i am at a loss. My credit report is showing i an 30 days past due, wells fargo wont respond or take care of this for me, i have disputed this on my credit report and am waiting but in the meantime my credit score went down and i have done everything i can to report and stop this. 
I have now lost a good standing history, i can not apply for credit because this does serious damage and I AM BEING HELD ACCOUNTABLE FOR WHAT SOMEONE ELSE HAS DONE I CAN NOT EVEN GIVE THE OFFICER WHO TOOK THE COMPLAINT THE DETAILED PURCHASES SO THEY CAN MAKE A REPORT BECAUSE I CAN NOT GET INTO MY STATEMENTS! 

RIDICULOUS!!!!!!

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 2017-11-22
Company: EQUIFAX, INC.
State: FL
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:
To whom it may concern : Equifax, XXXX XXXX XXXX, XXXX XXXX. This has been my 10th attempt to get your attention to make you aware that you are reporting inaccurate information on my credit file and I am sending the letter file attachment as a dispute and as an affidavit. If this matter isnt resolve after the XXXX Holiday I will be forced to file a law suit and take legal actions against your companies that are listed above in the beginning of this message. Please read carefully and know this is not an attempt to collect a dept. This is my final attempt of warning. I will be awaiting your response and prior to your investigation and removing the inaccurate items on my credit file I may be forced to remove the law suit if your companies remove the inaccurate items on my credit file and corporate. If you choose not to cooperate you will be served legal documents with a date when to appear at XXXX County Court House in XXXX XXXX Florida. Inaccurate items : All inquiries that are on my credit report was reported inaccurately, I am unaware of inquiries you are continue to report inaccurately and it seem that the inquiries were placed on my credit file by your company without my consent. No creditor or credit Bureau has ever attempted to contact me about the inquires. I am a victim of the recent credit breach and identity theft. Beyond this point I would prefer for creditors and credit bureaus to contact me if any new accounts. I look forward to your response. Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-21
Company: Experian Information Solutions Inc.
State: OH
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 opened a loan with XXXX, and they made me do a 1 month term loan after getting out of school they demanded i pay the loan back in full during the first and only month to repay it, i could not afford of pay the loan back in all of one month, this has effected me and i cant get certain loans because of the payment history of this loan even though i eventually paid it off. 
ive disputed this through the 3 major CRA and they have denied to take it off my report DO NOT get a loan through them you will regret it.

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 2020-05-11
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
XX/XX/XXXX of 2020 I filed a amortization plan in the state of WI chapter XXXX with attorney XXXX XXXX  XXXX out of XXXX WI # XXXX. Case # XXXX XXXX County Wisconsin. My trustee is XXXX XXXX XXXX. They have been reporting this as delinquent to all 3 credit bureaus as missed payments and delinquent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15
Company: Paypal Holdings, Inc
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I've had my PayPal account closed and my balance of {$18000.00} has been frozen for 180 days. I have not been provided with a reason for this by PayPal. They limited my account on XX/XX/XXXX and requested documents from me. I provided these documents on XX/XX/XXXX. There was also a request for an explanation of the use of my account, but before I could respond to this, I received an email saying that they have closed my account. They did not allow me to provide an explanation of the use. 

I use the account to send money to my friends, as well as with my casino accounts where PayPal is an option in the cashier. 

I haven't broken any of their terms as far as I'm aware and they haven't told me what I've done to cause this to happen. I can't believe it's legal for them to take my money away. Can you please help me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-23
Company: Experian Information Solutions Inc.
State: AR
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:
This is the first time I have encountered identity theft. I have no idea who could have done this to me. As I pulled my report, I saw an outrageous amount of accounts under my name that are not mine. Please delete these items from my report.

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 2018-03-27
Company: ACS Education Services
State: IL
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:
Back in 2009 I had a student loan that was issued before the federal aid was able to be applied. When the federal aid was applied, the loan was refunded back to Conduent but my federal student aid account still shows an outstanding balance for the original loan. When Ive spoken to their loan service rep, they said that the loan was refunded and that I dont owe anything and would send the corrected information to NLDS to reflect that I dont have a balance but they never did.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-15
Company: WELLS FARGO & COMPANY
State: NV
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:
OnXX/XX/XXXX I noticed that my Checking account had an unauthorized transaction in the amount of {$260.00}. I first contacted the creditor ( XXXX ). The representative stated that she did not see any transaction in that amount in my account. I proceeded to say, that those funds were taken from my account, which is causing me to go negative in my account. I then contacted Wells Fargo, the representative from Wells Fargo then stated that the amount in dispute was pending and that it would take about 1-10 days for the matter to be resolved. Since I have business with XXXX the Wells Fargo representative stated that this is not a fraud transaction. I called Wells Fargo todayXX/XX/XXXX and mentioned that my checking account keeps on getting overdraft because of this issue. The representative stated that I should call XXXX and ask them for the funds to be released so that I can get my money back faster. I contacted XXXX and their representative stated that they don't see the charge of {$260.00} posted to my account. They see that the amount was taken but they do not know where the money was posted to as is not reflecting on my account. They stated it would take about 48hrs for them to give me an answer. In the mean time, this is causing me stress because there are other automatic transactions coming out from my checking and it keeps on causing for me to get overdraft. I'm upset over the lack of actions taken from both ends.

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 2020-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I have 60 days waiting for the response of the credit bureaus, because I have inaccurate information on my credit report. I have negative accounts that should not be on my credit report, accounts that are not negative showing as they are, inquiries that I didn't authorized. I waited too much for the response of the credit bureaus.

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 2021-04-13
Company: SUNRISE CREDIT SERVICES, INC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I order XXXX XXXX  for a bundle package with Premium channels and Internet together as one bill when received bill it was for two different amounts called several times and spent a lot time on phone supervisors said that someone entered in wrong so I explain change the plan that I originally asked for the refused and said they could do nothing for me tried to get me to change to a more expensive plan I said I would not that I want to discontinue services if they couldnt they said they wouldnt now being charged {$700.00} to discontinue now the sold my debt to Sun rise collection also my credit has collection on it I have asked Sun Rise that I would pay half even though I do t feel I should pay anything but they are unwilling to

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 2021-09-15
Company: EQUIFAX, INC.
State: CO
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:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX  and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
To whom it may concern : TransUnion & XXXX XXXX XXXX. This has been my 10th attempt to get your attention to make you aware that you are reporting inaccurate information on my credit file and I am sending the letter file attachment as a dispute and as an affidavit. If this matter isnt resolve after the XXXX Holiday I will be forced to file a law suit and take legal actions against your companies that are listed above in the beginning of this message. Please read carefully and know this is not an attempt to collect a dept. This is my final attempt of warning. I will be awaiting your response and prior to your investigation and removing the inaccurate items on my credit file I may be forced to remove the law suit if your companies remove the inaccurate items on my credit file and corporate. If you choose not to cooperate you will be served legal documents with a date when to appear at XXXX County Court House in XXXX XXXX Florida. 
Inaccurate items : XXXX XXXX XXXX All inquiries that are on my credit report was reported inaccurately, I am unaware of inquiries you are continue to report inaccurately and it seem that the inquiries were placed on my credit file by your company without my consent. No creditor or credit Bureau has ever attempted to contact me about the inquires. I am a victim of the recent credit breach and identity theft. Beyond this point I would prefer for creditors and credit bureaus to contact me if any new accounts. I look forward to your response. 
Sincerely 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