BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-11
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
On XX/XX/XXXX, I started a trial subscription with Tidal music streaming service that had a free month before the first charge of XXXX. I used XXXX to make this transaction. My funding source for XXXX is Wells Fargo. 

After a history of Wells Fargo charging me NSF fees of XXXX for debit card transactions that I would have preferred to have been declined but were not, I had already removed overdraft protection on XX/XX/XXXX. I was confident that it was safe to get the free month with Tidal because even if XXXX did attempt to charge XXXX on XX/XX/XXXX, my Wells Fargo account had less than XXXX, I did not have overdraft protection, the transaction would be declined, and no NSF fee would apply as per Federal Reserve 2010 policy and Wells Fargo policy which I have included. 

I think its fair to say Im a fairly well informed consumer but still I was shocked that Wells Fargo STILL approved the debit transaction despite me not having funds AND charged a {$35.00} fee. What is a careful consumer to do? 

I reread the policy again and I do see there is a loophole where XXXX can try to sneak in unwarranted NSF fees for *recurring* transactions. However, the transaction I made was not a recurring automatic paymentit was initiated by me by hand on XX/XX/XXXX and I have included a screenshot from XXXX to prove it was an instant transfer, not recurring. That is the very opposite of an automatic payment. 

Tidal did a poor job explaining why there was a charge on the supposed free month, but its not their fault a payment went through that should not have.

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 2021-03-11
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: AR
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
portfolio recovery associates phone XXXX address XXXX XXXX XXXX XXXX they are pulling a car under my name in the amount of {$410.00} i have never had a car with the or anyone representing them I inform all three credit bureaus of this the company is harassing me by mail this is not my debt

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-23
Company: Ditech Financial LLC
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
On XXXX/XXXX/XXXX I mailed my mortage payment to Ditech in the amount of {$2300.00}. I mailed ( 5 ) money orders to the following address Ditech Customer Service XXXX, SD XXXX. According to the US Post office their money was received on XXXX/XXXX/XXXX. All of the XXXX XXXX money orders were cashed in full on XXXX/XXXX/XXXX. However Ditech only applied a total of {$500.00} to my mortgage statement ( 1 ) money order. The total of {$1800.00} was cashed by Ditech but never applied to my mortgage statement. This constitute FRAUD that Ditech is a fraudulent and unethical mortgage servicer. The money order that are missing XXXX XXXX # XXXX {$500.00}, # XXXX {$500.00} # XXXX {$500.00} # XXXX {$500.00} # XXXX {$320.00} I am trying to be patient however I am fearful Ditech will put me into foreclosure because of their billing error. They cashed all ( 5 ) XXXX XXXX money orders on XXXX. I need them to apply the full amount to my statement, A total of {$1800.00} has not been allied only {$500.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-25
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: Personal information incorrect

Complaint:
I have mailed in the correct id documents and nothing got fixed, so I am attaching my social security card and driver 's license here for Equifax, XXXX XXXX, and XXXX to remove all incorrect addresses off of my credit report. The only address that should be on my credit report is : XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, TX XXXX Please remove all other addresses, or just keep the one on my driver 's license if you must, but remove all other addresses which are INCORRECT and I never lived at the other places. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-17
Company: CITIBANK, N.A.
State: UT
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
On XXXX/XXXX/16, I opened a Citi Gold Checking Account with the promo code XXXX which offered XXXX Thank You Points for opening the account and making 2 bill payments with the account. I called Citi Bank on XXXX/XXXX/16 and talked to XXXX to verify the opening of the account and that the promo code was valid and attached. He assured me it was. By XXXX/XXXX/16, I had made the required bill payments and called to verify that I had med the requirements and qualified for the XXXX Thank You Points. I talked with XXXX and he verified that my account qualified for the promotion and that the points would be in my account by XXXX/XXXX/16. On XXXX/XXXX/16, I still had not received the points. I again called Citi Bank and talked with XXXX ( # XXXX ). She told me that she would submit a request for the points to deposited in my account and that I would received word in 3 business days. On XXXX/XXXX/16, I received a secure message from Citi informing me that they were denying me the points because I had not been targeted for the promotion. If Citi wanted to deny me access to this promotion, they should have done so on XXXX/XXXX/16 when I called to verify the account and the promotion attached, rather than after I have completed all the requirements and utilized their financial services according to the promotion.

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 2016-07-13
Company: CITIBANK, N.A.
State: OR
Product: Credit card
Issue: Other

Complaint:
I was a costco XXXX XXXX client who 's account migrated to Citibank during the visa conversion. At first I was happy with the change since the new card from Citi and XXXX have a better reward structure than my old XXXX XXXX card did. When I received my new Card from Citi, I noticed there was 3 different payment methods on the card. The first was obviously the magnetic strip, the second being the newly required EMV chip, and a third method being and RFID chip ( AKA Tap and Go ). Working in the finance industry myself, I am very cautious of my own accounts and the RFID technology is easily prone to hacking since the chip is continuously " broadcasting '' my account information. So, I asked Citi to send me a replacement card without the RFID ( tap and go ) chip via their secure messaging website. Unfortunately, the follow up with Citi has been atrocious. I have written correspondence from Citi that my card does not have the RFID chip in the card, even though it has the paywave symbol, and that the card would work by tapping and go. After the correspondence from Citi, I then received marketing materials in the mail advertising the Tap and Go functionality. With all the fraud going on in today 's world, I feel it imperative to protect myself against potential misuse of my accounts. I have had many different cards and every other bank with the exception of Citi, have been able to send me a card without the RFID chip.

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 2016-11-11
Company: CITIBANK, N.A.
State: MA
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
I had a credit card with Citibank for which they took me to a collection agency. I got an agreement with the collection agency and paid off the credit card. This was back in XXXX 2016 and today XXXX XXXX, 2016 they have not removed the collection from my credit report and its affecting my ability to have a decent credit. I called Citibank like 4-5 time and they stated that they do n't offer deletion letters and could only provide a fax number for me to fax my claim to CitiCard Credit Services to the attention of " Citibank CRB Dispute ''. To this day I have not heard back from Citibank and my credit still showing that collection which should had been removed by now because it 's been more than 60 days since I paid off the debt. I beg for your help to have CitiCard to remove that collection from my credit.

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 2022-05-31
Company: Block, Inc.
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I submitted a dispute as well as a complaint via your platform to bring to light the lack of investigation by Cash App relating to an ATM withdrawal error. When filing the dispute, I mentioned to the Disputes team that the transaction was " authorized '', however, the funds that I requested from the ATM machine were not dispensed. My account was charged for the transaction, and for that reason I filed the dispute. I spoke with a Cash App manager by the name of XXXX, who informed me that I can request the documents Cash App used to complete their investigation. My thought process was that the documentation would show communication with the merchant/owner of the ATM confirming that funds were dispensed. When I received the documentation the sent to confirm their decision ( attached here for your review ), I realized that the documentation showed nothing more than the fact that it was an authorized transaction. Nowhere on there does it show confirmation that funds were actually dispensed. The documentation is internal, and none of it came from the merchant/owner of the ATM. That being said, you can not confirm that no error occurred if the merchant/owner of the ATM has not confirmed that funds were dispensed. I firmly believe that Cash App has denied this because they refuse to reward me these funds. Additionally, I have filed an additional complaint with the XXXX XXXX XXXX  and the FTC to review this. It is quite apparent that many others have had the very same issues with Cash App, and the only way for this to be fixed is for agencies like the CFPB to hold them accountable.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31
Company: ALLY FINANCIAL INC.
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
XXXX XXXX is trying to recover XXXX for Ally. I was a part of class action lawsuit against Ally. As part of Ally settlement agreement their report was removed from all credit bureaus, I received a small check and it was agreed by Ally no further attempt would be made to pursue. I have tried to contact Ally and XXXX  is aware yet continue to call and threaten 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 2020-04-18
Company: The Bureaus, Inc.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I have a debt reporting from the burraus in the amount of XXXX. This debt is from 2011 and is still reporting. I am requesting for removal from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-20
Company: AES/PHEAA
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:
I filed my Employment Certification Form with XXXX XXXX on XX/XX/XXXX in order to have my payments counted towards PSLF for the last year.

This form was rejected on XX/XX/XXXX with the reason being that I did not provide an employment begin date ( attached ).

I called XXXX on XX/XX/XXXXand spoke to Operator ID XXXX. She explained that she was not a part of the XXXX  PSLF program and had me transferred back into the main que where I waited and spoke to ID XXXX. ID XXXX seemed confused so I requested to be transferred to a supervisor. I received supervisor ( XXXX  calls them an escalation specialist ) ID XXXX. I explained to him that my Employment Certification Form did have a begin date of XX/XX/XXXX but the rejection letter dated XX/XX/XXXX said there was no date on the form. Escalation Specialist acknowledged the mistake of XXXX behalf and said it will take 10 business days to resolve the matter. He also mentioned to me that the reason why my form was rejected was because they have a start date for me of XX/XX/XXXX at my current employer, not XX/XX/XXXX as has been stated on my two latest XXXX forms from XX/XX/XXXX( approved by XXXX  ) and my latest rejected XXXX Form datedXX/XX/XXXX.

I researched the matter and discovered that XXXX XXXX is relying on my Payment Tracker form for my employer start and end dates ( attached ). This is where XXXX XXXX was getting the incorrect XX/XX/XXXXemployment begin date for my current employer. Over the years I have complained about this Payment Tracker form because it gives incorrect employment begin and end dates. For example, I left one employer on XX/XX/XXXX notXX/XX/XXXX as this form states. I brought my concern up to XXXX XXXX and I was advised that these employment beginning and end dates are determined when my form is approved by the Official who signs them and/or when they are received by XXXX XXXX, thus making them not actual employment begin and end dates. I have expressed a concern that these dates would be relied on in future transactions. Now the brain trust at XXXX XXXX is relying on these incorrect dates and it is holding up the approval of my payment certification.

OnXX/XX/XXXX I XXXX  ID XXXX and explained the situation above. He was not understanding the matter. I was told to wait two weeks. In a nutshell, it is my opinion that XXXX XXXX is too lazy and/or incompetent to actually research this problem. Their workers are not knowledgeable nor do they care enough to fix this problem. I am constantly finding errors on their part at almost every communication I have with them. If my experience above is any indicator, waiting two weeks is an exercise in futility.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-31
Company: TRUIST FINANCIAL CORPORATION
State: GA
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 went to a car dealership and purcase a car in my business name only with my tax ein number i have good business credit the dealer told me that they will not use my social number to buy but four verification only so it was done i got my company car in my company name one month later i check my credit report and had alot of inquiries i did not authorize { 1 } XXXX XXXX { 2 } XXXX XXXX { 3 } truist dealer servic { 4 } XXXX XXXX XXXX { 5 } 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 2017-01-05
Company: CITIBANK, N.A.
State: TX
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
I had a Citibank card that was used and paid on time until we had a fraud issue with our bank account. This caused a delay in payment that was communicated to Citibank. I was told by Citibank that they would not report to the credit bureau, but in fact they did. That report brought my credit down significantly and I would like it reversed. I am going through a divorce and need my credit to be in shape in order for me to be approved for a home loan that will issue me and my children a way to stay in our community. Any help with this matter would be sincerely appreciated.

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 2022-08-04
Company: EQUIFAX, INC.
State: PA
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:
It has been established that you are not interposing records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law.XXXX XXXXXXXX XXXX Balance : {$380.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$610.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$690.00} XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance XXXX {$170.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance XXXX {$170.00} XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance XXXX {$68.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-18
Company: CITIBANK, N.A.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Hi, XXXX people in our household opened up citi checking accounts with a {$400.00} checking account bonus. The promo code was XXXX. We have met all of the requirements and it has been over 2 months since we have met the requirements and no bonus has been put in our accounts. Every time I call in to ask about the bonus they bring up different excuses : we will escalate this to a supervisor, we will investigate, you need to send in XXXX forms, etc.. Citibank has been stonewalling hundreds of customers on this bonus ( I have read of hundreds of others who are having the same problem ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-12
Company: CITIBANK, N.A.
State: WA
Product: Credit card
Issue: Rewards

Complaint:
Citi Cards has DELETED REWARDS points from my online account : 1. XXXX plus reward points on Prestige Card 2. XXXX plus reward points for Citi Checking Citi Bank cards continue to be incompetent ad DISCRIMINATES attempting to DENY me POINTS!!

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 2016-07-09
Company: CITIBANK, N.A.
State: OH
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I applied for a Citi Gold bank account in XXXX, 2015. The account had a bonus of XXXX thank you points. I contacted Citi several times about this bonus and they consistently told me that I had met all the condtions required to receive it, and would be getting the XXXX thank you points within a few weeks. They told me this over and over again since XXXX. The account comes with a $ XXXX monthly fee, and they continue to bill me each month, but are not living up to their end of the bargain. The customer service at Citi simply tells me " please keep waiting and we 'll post the points eventually '' but it has been over 6 full months since I applied. I refuse to continue to wait and continue to pay a $ XXXX monthly fee. Citi Gold checking accounts are a scam and they are not honoring their promotion, offer code : 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 2022-05-31
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Experian is in violation of the FCRA by blocking my online access to credit & dispute results. This prevents me from readily accessing my reports, I believe this is being done as a tactic to prevent further disputes on inaccurate information

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 2016-03-04
Company: ECMC GROUP, INC.
State: TN
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I recently checked my credit and discovered that this company is reporting that I owe them a debt. To my knowledge I do n't recall this company ever providing me with a service nor do I remember me agreeing to pay them for said services. I never received any communication from this company prior to them placing it on my credit report. My rights under the FDCPA have been violated

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 2016-06-30
Company: CITIBANK, N.A.
State: MI
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I signed up for a Citigold account with Citibank with a promotional offer of XXXX AAdvantage miles after meeting certain requirements. I met these requirements more than 6 months and the promotional miles still have not been credited. 

I have contacted Citibank for about 6 or 7 times by now about this issue, and every time I 'm either told the case is under investigation or that they 'll file a new case. Their claim is that i 'm not eligible for this offer, even though I have numerous e-mail communication ( see attached ) from Citibank stating that i 'm eligible offer, that I 've completed all the requirements and will be receiving the miles soon.

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