BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-18
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Consumer Financial Protection Bureau XXXX XXXX XXXX Iowa XXXX, Iowa XXXX Subject : Complaint Regarding Unauthorized Recurring ACH Debit Dear Sir/Madam, I am writing to formally file a complaint regarding an unauthorized recurring ACH debit from my bank account. Despite multiple attempts to resolve this issue with my bank, TRuist, they have not taken appropriate actions to address my concerns. 

The details of the unauthorized transaction are as follows : - Transaction Amount : {$38.00} - Monthly - Most Recent Occurrence of the XXXX - Bank Account Number : XXXX I have contacted the bank multiple times stating that I did not authorize these charges. Despite my clear request for them to stop this recurring debit and issue a credit for the unauthorized transactions, my request has been repeatedly ignored or denied. 

I request the Consumer Financial Protection Bureau to : XXXX. Investigate the unauthorized XXXX transactions debited from my account. 
XXXX. Ensure that [ Bank Name ] stops any further unauthorized debits immediately. 
XXXX. Secure a refund of all unauthorized charges debited from my account, totaling [ Total Amount Disputed ]. 
XXXX. Investigate the practices of [ Bank Name ] in handling such disputes. 

I trust that the Consumer Financial Protection Bureau will take prompt action on this matter. Your assistance in resolving this issue would be greatly appreciated. 

Thank you for your attention to this matter. 

Sincerely, [ Please make sure to replace the placeholders with your specific details. Also, it's advisable to send this letter via certified mail or another trackable method to ensure it is received and to keep a copy for your records.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18
Company: Nelnet, Inc.
State: WA
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:
We initially requested an Income driven repayment plan in XX/XX/2023, we were immediately approved by the department of education. However the servicer told us that because the loans were in a 6 month grace period they could not be put on an income driven repayment plan ( SAVE ). We reapplied the exact date that the grace period ended XX/XX/2023 and it has not been approved. On XX/XX/2023 we called Nelnet the servicer and waited on hold for over XXXX hours to be told that they could not confirm when it would be applied.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18
Company: Nelnet, Inc.
State: UT
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:
In XX/XX/XXXX, I initiated a consolidation and refinance of all loans from Nelnet ( {$100000.00} ) to XXXX XXXX. XXXX paid off Nelnet in full, and I started making payments towards XXXX 6 months after the refinance. I have NOT taken out new loans or refinanced back to Nelnet. The last school loan I took out was in XXXX, for the loan I am trying to dispute ( XXXX XXXX ). I have their own records stating it was paid off. I have called them several times a month since it appeared on my Nelnet account in XX/XX/XXXX, and provided them the proof. They have laughed at me, gaslit me, and told me it is " showing as due so you have to pay us. '' I have given them their own documents as proof of it being paid, my XXXX contract, and even transaction history with the new lender showing that I was paying them. There are not statements past XXXX of this year for Nelnet, because it was paid off for so long. It showed as closed and paid off on my credit report for 3 years. Now I have the original loan amount plus interest ( almost {$15000.00} ) showing on Nelnet again. I have begged, pleaded, and spent HOURS trying to get someone to help resolve the issue. They have no proof I took out a new loan, they have no signed documents refinancing back to them, yet are claiming I owe them a second time. PLEASE HELP.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24
Company: EQUIFAX, INC.
State: MD
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:
When I investigated my credit report, I realized that some of the information was erroneous. XXXX and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX Balance : {$13000.00} XXXX XXXXXXXX Balance : {$2000.00} XXXX  XXXX Balance : {$7700.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: FL
Product: Debt collection
Sub-product: Rental debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Property fees were due for a property I have never lived at. Criminal took my social and dob and used it to obtain a residence. He also purchased 3 vehicles and 2 cell phones under my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18
Company: CITIBANK, N.A.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX XXXX XXXX ( spouse, joint account ) received email from Citibank Costco credit card. Wanted to review recent suspicious activity. Responded to email and also called the bank. Card was cancelled. XX/XX/XXXX XXXX received call from a Citibank number XXXX. Person on phone identified himself as an employee from Citibank fraud dept and was on a recorded line. During conversation he mentioned XXXX  at Citibank for XXXX years. He needed the code to stop the fraudulent activity that was associated with account. Code was given and stated our account would not be accessible until XXXX the next morning. On XX/XX/XXXX XXXX discovered all XXXX accounts ( business checking, personal checking, and savings ) were depleted, a total of {$130000.00}, plus fees ). The money was wired to XXXX different accounts under XXXX names. These transactions were made without our knowledge. Citibank allowed all our money to be suspiciously transferred without an alert or notification to us. XXXX has been with Citibank for XXXX years. This activity was not normal for us should have been recognized and the fraud stopped immediately. We are distraught.

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 2023-12-19
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Wells Fargo is saying our home is foreclosure but it was sold privately and not foreclosed on. We signed our title on XX/XX/XXXX the home buyer purchased the home on XX/XX/XXXX. Wells Fargo is claiming that it was foreclosed on XX/XX/XXXX but that is not 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 non-monetary relief
Consumer complaint received 2023-12-19
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19
Company: WELLS FARGO & COMPANY
State: NY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose

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 2023-12-15
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm writing to ask that unapproved credit inquiries be taken off my credit record. I discovered inquiries on my credit report that I had not approved when I obtained a copy of my credit report. They are listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-19
Company: CITIBANK, N.A.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I opened my account with Citibank less than 4 days ago and I have not been able to use the funds I deposited. I wanted to know why I cant even view my debit card number or even send a XXXX payment. I was told that my account was placed on a fraud hold. When I asked why I was told the reason is in a letter which will be sent to my address which I am currently not there because its the holidays. The said letter takes more than a week to arrive. Meanwhile I am still not able to access my funds until that letter is received. I have asked to close my account, transfer my funds, and all Ive been told was that I have to wait more than a week for that letter to arrive. I wouldnt even get a reason for the fraud hold all I was told was that that letter includes the reason and that I need to call back. I have never had this experience with any bank, ever, I am having my funds withheld from me for no apparent reason. No one I have talked to can give me a reason as to why my account is being restricted.

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 2023-03-11
Company: FIRST HAWAIIAN, INC.
State: HI
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I am XXXX XXXX XXXX and exist almost entirely on about {$1800.00} Social Security and a Pension of {$900.00} per month. I also had a XXXX XXXX XXXX XXXXhat is now largely defunct because of lack of product for sale but still incurs some monthly expenses. I am temporarily living in the XXXX XXXX with a loving adoptive family. 

The policy of First Hawaiian Bank ( FHB ) is to charge {$30.00} PER DAY for an overdraft of even XXXX XXXX resulting in monthly fees of hundreds of dollars.Until the last month, I was without a computer or internet-capable phone to deal with such matters. The result was accumulation of hundreds of dollars per month in bank fees that are growing monthly and yielding colossal profits to the bank ( XXXX XXXX XXXX XXXX XXXX ). 

Complaining to the customer service line ( XXXX XXXX XXXX, usually XXXX XXXX on hold ) eventually started to resolve some of the problems. It seems that the small business-related standing order fees taken from my bank 's debit card were marked as to be paid even if overdrawn. This arrangement was ceased about about 6 weeks ago so that I can deal with the vendors directly and NOT incur overdraft fees. 

There are also standing orders for payment on a XXXX credit card ( {$200.00} per month ) and on a XXXX XXXX loan ( {$380.00} per month ). I verbally told the bank NOT to pay these and had to put a stop on the former payment for which I was charged another {$30.00} ( added to the overdraft ). I repeatedly told them not to pay ANY standing charges because of the exorbitant overdraft fees. I do not know how to contact FHB with written instructions, or how to change bank accounts. 

This month, they paid the {$380.00} loan payment and, of course started up the {$30.00} per day fees, this is now results in accumulating fees so large that I will be lucky to obtain half of my total retirement income. Just missing a loan payment would only delay the payoff date or result in a future double payment, the following month, but this is not possible when my account is being drained by the bank. 

To be fair, the customer service people do try to make small concessions, like a XXXX XXXX re-imbursement but the trend is going to be eventually no money for living costs, food etc. This is really frustrating, and is affecting my health. I can not return to XXXX to deal with the FHB bank or visit the XXXX XXXX as the airfares are more than my social security income. 

I can not believe that the the exorbitant overdraft fees can be legal, as they are so reminiscent of a XXXX loan shark operation!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-24
Company: NATIONSTAR MORTGAGE LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
The lender has failed to respond to our QWR and Notice of error request sent on XXXX/XXXX/XXXX and are proceeding to sale set for XXXX/XXXX/XXXX - the lender is in violation of regulation X-12 USC 2605 ( e ) ( 1 ) and the client 's right to counsel. 
The lender also has this file under review for a Short Sale option, this is considered to be Dual Tracking and is another violation to Reg X.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-20
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have deposited a XXXX XXXX dollars check to my account in XX/XX/2023, but as of XX/XX/2023 money has not been released to my account or returned to the payee. 
On the XXXX XXXX dollars check the first 2 letters of my first name was misspelled. 
However, the check went through and the XXXX XXXX dollars was pulled from the payee 's account but my bank never released money to my account. My bank put on hold that money for so lang for almost 6 months. I have been asking my bank either release the money to my account or return the money to the sender or payee, so they can re-issue another check. Since the money is pulled from the payee account, so they have to get the money back to their account before reissuing another check to me. 
Now finally my bank locked my account, so I no longer access that account where I had already some money but I am not able to use that money anymore.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am writing to express my concern regarding the inaccurate negative items ( XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXXXXXX ) on my credit report. I have submitted multiple complaints to the credit bureaus requesting verification of these items, as per the Fair Credit Reporting Act ( FCRA ) Section 609. However, despite my repeated requests, I have not received the necessary proof to validate these entries. According to FCRA Section 609, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attention to this issue. Attached you will also find my ID as proof of my identity and my Proof of Address.

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 2023-12-16
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I set up a bill payment from my XXXX XXXX account with a delivery date of XX/XX/XXXX  My American Express bill is due on XX/XX/XXXX  The records on the XXXX Website state : " Delivery date XX/XX/ Your payment will be debited on XX/XX/XXXX XXXX two business days prior to your delivery date. '' The records on the Amex website state the payment wasn't received until XX/XX/. I was hit with a late fee from Amex of {$29.00}. I was also charged {$76.00} in interest. I called American Express and they refunded the late fee as a courtesy but will not budge on the interest. They are claiming that they don't hold payments, they claim the payment wasn't delivered until XX/XX/. I spoke to a customer service agent via chat and a supervisor via chat as well on XX/XX/. I then spoke to XXXX and explained the situation, and they are claiming they sent the payment on XX/XX/. I spoke to a customer service agent via chat and a supervisor via chat as well on XX/XX/.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-17
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in an Experian & XXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected. This is a defamation to my character, and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also, it is illegal these companies should NOT be furnisher people 's information to 3rd party companies, so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can get sued for these damages. This is negatively affecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed immediately.

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 2023-12-17
Company: CREDIT ACCEPTANCE CORPORATION
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
these are unauthorized inquiries, and these transactions are not related to me : 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 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 explanation