BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-10
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: PA
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:
XXXX XXXX XXXX XXXX with a partner. Our checking account was cyber-attacked on XX/XX/2022, in the amount of {$20000.00} It was unauthorized and we did not realize this happened until we received our statement on XX/XX/XXXX. Immediately we went to the First National Bank of Pa in XXXX Pa where we have banked for 25 years The manager told us we only had 24 hours to report this. We do not do online banking so how would we have known? We have met with the bank numerous times and have not been able to resolve this. I have contacted the PA Attorney General, XXXX XXXX XXXX, FBI, Office of Comptroller Currency, and no one seems to want to help us. This is a huge amount of money for a small business like ours. 
The information which we received in a letter stated nothing about a 24-hour deadline. Also, how can that hold up if consumers do not do online banking? 
We feel this is wrong on the banks ' behalf and we are seeking to get our money back. 
Please help us with this matter Why didn't their fraud department pick up on this.? Why have a fraud department if it doesn't ; t function as protection for its customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-27
Company: Navient Solutions, LLC.
State: TN
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
Hi my name is XXXX XXXX XXXX, I have a private student loan with Navient. they are refusing to help me lower my payment passed on my financial statement and a supervisior even hung up on me. when he refused to tell me if any programs where available to me. I have a co signer who offered to send final statements and they refused to except and only took it over the phone and said she made too much to lower my interest rate which he says is the only way to lower my payment. I am not a student anymore I work and have a family and make like XXXX a month and my bills round up to about over 2500. a month. I m in desperate need of help and they are just flat out refusing to assist me, I am willing to pay, just need an amount that I can afford. I have tried numerous times with no success and I am at my whits end I have a family to support and it seems these people at Navient care only about how much they can get out of you they care nothing about working with the customer to solve any hardship issues. The lack of empathy dicusses me to no end how can people be so bottom line and treat others like just a number.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-08
Company: CITIBANK, N.A.
State: MI
Product: Credit card
Issue: Billing statement

Complaint:
Sears updated their website somewhere around last XXXX, 2015. I have ( XXXX ) credit cards with Sears, issues are with both the cards access to internet customer portal. Ever since then, I am not able to access my account online to pay my statement without having major issues which have resulted in payments not being posted, late charges incurred, etc ... Access to the website takes minutes to gain. Each time I try to click on an option for my account, that process also takes a very unusually long length of time. I am not able to access my rewards points from the website to redeem them, I have been trying to redeem them for the past 5 months. I have contacted Sears online support numerous times and spent a great deal of unnecessary time trying to get help for me to access my account to make payments and redeem rewards points. Each phone call I 've made, I was promised they would have someone from technical support trouble shoot and get back with me. I have not heard from anyone. I am extremely frustrated to say the least!! To date they have not fixed the 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 explanation
Consumer complaint received 2022-11-10
Company: CITIBANK, N.A.
State: IL
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I had an existing Accelerate Savings account with $ XXXX. Yesterday I transferred an additional {$49000.00} to the account bringing the balance to $ XXXX. I woke up to find that I was locked out of my account for " fraudulent activity '' and when I called customer support was told that they were locking me out of the account and would send me additional information in 30-60 days.

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 2022-11-10
Company: ONLINE Information Services, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
We, my wife an I received a letter from XXXX XXXX XXXX XXXX where they were trying to collect a utility debt for XXXX XXXX. I disputed the debt over the phone and they still sent a follow up letter. I disputed that by saying the supposed debt occurred in Texas and we never lived in Texas nor did we, my wife and I ever have an account with XXXX XXXX as we live in California. 
The letters were addressed to my wife, XXXX XXXX. This is not our debt and On Line wanted her s.s. Number and we were unwilling to provide that to protect our identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-21
Company: Navient Solutions, LLC.
State: MN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I was repeatedly misguided by customer service regarding the eligibility status of my payments towards loan forgiveness. Navient/XXXX intentionally made the loan plans complicated and misleading and tricked me into remaining on a repayment plan that was not eligible for loan forgiveness even though that was my stated intent as a XXXX-employed XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Beginning in XXXX of XXXX, I filed several disputes regarding XXXXXXXX XXXX XXXX regarding the amount owed and the balance. As well as that they were reporting it twice on my credit report. I also asked for a personal statement to be placed on my account and it was not. 

Transunion indicated that they XXXX XXXX had verified the debt, but did not demonstrate how they verified the accounting ( balance ) to be accurate. Nothing was addressed regarding the duplicate reporting on my credit report by either XXXX XXXX or TransUnion. Some months back I had also filed a dispute regarding it being a duplicate. 

I further supplied them with written correspondence from XXXX XXXX that admitted that they had not provided me with statements and offering me a settlement check. I have requested numerous times to have an accounting but only have been provided data entries that do not demonstrate the reduction in principal and interest. As well as, the balance owed being reported as different amounts at different times to different entities including myself. 

On XX/XX/2022, by certified mail # XXXX I wrote TransUnion as a follow up ; it was delivered XX/XX/2022. 

Under the Act I requested that they remove this inaccurate information and place a statement on my credit report. To date they have done neither.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-10
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Wells Fargo is reporting a late payment on my credit report on XXXX of 2018. I have tried calling them to correct the error they caused on their end and they guided me to submit a dispute with the credit bureaus to correct THEIR mistake. So I did, several times. I have submitted disputes with the Credit Bureaus in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX to try and get this late payment removed because I was not Late. The Credit bureaus stated that they reached out to Wells Fargo, Account number XXXX who said the information is accurate which contradicts what a representative told me over the phone. 
My husband and I were hit with this late payment out of nowhere and are not sure where to be able to turn now because of it,. We read online that this is our best shot to get the inaccurate late payment removed since they are not abiding by the FCRA.

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 2015-06-01
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
Attached to this complaint are XXXX pages:1. Shows the investigation completed by Experian for Report Number XXXX. 
2. Page XXXX shows a XXXX XXXX account listed under " Potentially Negative Items '' 3. Page XXXX shows a XXXX XXXX account listed under " Accounts in Good Standing '' PAGE XXXX and PAGE XXXX ARE THE SAME ACCOUNT AS REPORTED IN ALL OF MY EMAILS, CERTIFIED LETTERS AND CFPB COMPLAINTS!!! 

THIS IS ILLEGAL AND FRAUD!!!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-31
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Rewards

Complaint:
Credit card companies ( e.g., XXXX XXXX, Citi, etc. ) often offer rewards based on purchases made with merchants accepting their cards. The amount of the reward may depend on the Merchant Category ( type of business ) of the merchant. My issue is that it is very difficult to determine BEFORE making a purchase, what the Merchant Category Code ( MCC ) is for a given business ( e.g., XXXX, XXXX, etc. ). I have called both XXXX XXXX and Citi to determine the MCC for a specific business entity, and was told by both that they can not ( not allowed to ) provide that information, even though it is displayed on my billing statement the next month following the purchase. I am told by the credit card companies that it is up to the merchants to specify what their merchant category codes are and that I should contact the merchants directly to determine their code. The merchants I have contacted have been unable to tell me, for whatever reason, what their MCC is for the credit card companies they are associated with. For the consumer, I think the lack of access to a merchant 's MCC is a disservice, if not deceptive marketing practice to not make that information available. The vacation rental that I am looking at reserving for ~ {$6000.00} can result in a credit card rewards of $ XXXX {$180.00}, depending on the one of several reservation agencies MCCs I choose to make the reservation through. Because the credit card companies will not provide me with the Merchant Categories for the several agencies I am looking at, I can not determine ahead of time which merchant can offer me a better offer. It 's like the airline industry not revealing baggage charges ahead of time. Although the rewards are not hidden " charges '' the hidden MCCs can result in lost savings to the consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10
Company: Medical Business Bureau
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The consumer, who is a federally protected consumer, is here to dispute any purported claims that you are now listing as a consumer debt on the consumer 's credit report. 
In accordance with Section 809 of the Fair Debt Collection Practices Act ( 15 USC 1692g ), the Consumer is requesting confirmation from you ( FDCPA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-24
Company: Solidus Group LLC.
State: CA
Product: Debt collection
Sub-product: Payday loan
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
I was contacted by phone on XXXX/XXXX/XXXX by a debt collector with " Clear Credit Services '', XXXX, claiming to represent XXXX XXXX for an outstanding balance of {$5000.00} from XXXX and XXXX, original account # XXXX. The representative was very aggressive and repeated, " why did n't you pay this, now we have to report you to the XXXX County authorities and have you arrested and prosecuted for fraud! '' I was stunned by her statements and allegations, and told her that not only was she out of line for making such outragous threats but that she was breaking the law, but she did not seem to care. I hung up the phone, then was called again, same representative scolded me for hanging up. I told her I needed written confirmation of this debt and I was transferred to a " Settlement Director '', who later emailed me the attached demand letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-28
Company: CITIBANK, N.A.
State: NY
Product: Credit card
Issue: Transaction issue

Complaint:
My SEARS Master Card statement with statement closing date XXXX/XXXX/2016 for SEARS credit card shows a new balance in the amount of {$250.00} with a payment due date of XXXX XXXX, 2016. On XXXX XXXX, 2016 I paid the amount of {$250.00} in cash at SEARS store located at XXXX XXXX XXXX located in XXXX XXXX NY, XXXX. I will enclosed a copy of the payment receipt. The receipt date located on the bottom left corner of the receipt shows a date of XXXX/XXXX/16 as well as a copy of journal display printed by a SEARS associate for that point of sale showing XXXX as the payment timestamp. 
I received a text message on XXXX XXXX to call Citibank about my Sears account at XXXX. I promptly called and a representative told me that my account is overdue. I explained to the representative over the phone that I have paid it in full and I have the payment receipt. The representative directed me to fax the receipt over to the investigation department at XXXX XXXX. Then I called to make sure that it was received. Since XXXX XXXX 2016, I have been calling every other day to check on the status of the account. The representative talks to me as if there are no notes on the account about telling the bank that I have already paid, faxed the payment receipt and an investigation is under way. When I ask about a case number or a reference number to this matter, I am told that they ca n't give it to me. Last time I called was on XXXX/XXXX/2016 at around XXXX XXXX XXXX. I was told that my payment is still overdue. Frustrated and worried, I decided to go back to the store again. I showed the manager at the store my receipt. She kindly called the credit department with the store information and the receipt information and she was told that the account was credited on XXXX XXXX, 2016. Because now I do n't trust what I hear anymore, I called the XXXX number on my card and listened to the automated account information and indeed it mentioned that the payment was received on XXXX/XXXX/2016. The payment posted date is 17 days after I actually paid at the store. 
According to page XXXX of the credit card statement which reads as follows, Payment other than by mail. 
In store ( where Available ). 
Any payment in proper form accepted in-store will be credited as of that day. 

This means that I have honored my obligation and paid in full a day before the payment due date not 17 days later The Bank refuses to 1- follow its own published rules on page XXXX of the credit card statement and change the payment posting date to the date of payment at the store. 
2- Reverse the LATE FEE although payment was NOT late 3- Reverse the Interest Charges although the entire balance was paid in full before the due date. 
Because the bank does n't admit to its errors, I am concerned that it will report my payment as late to 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 monetary relief
Consumer complaint received 2015-11-05
Company: CITIBANK, N.A.
State: NJ
Product: Credit card
Issue: Other

Complaint:
i have been a good customer here. for some time. i received a letter from them after i asked for a XXXX time good will credit. in addition to XXXX XXXX of medical bills i had a bad summer and wanted to give them the chance to help me after years of loyalty. well i call as the letter i received from citi said to call to give more info about what i need. i held on the phone only to be told i would need to be in a program in order to get help. i do not need or want that. i want loyalty something other banks have given. The message from this bank resoundingly is they do not value me. realistically i could if i chose get my debt discharged and i have not done that nor plan to.It is frustrating to waste my time. i can not use my cards from citi til things change. i should not be asked to call for no reason only for run around. Additionally i am supposed to have til XXXX to pay with no interest. that was done for me at least even though they are too greedy to help a cusotmer like me which means i will be unable to use the card again. please confirm its XXXX. not XXXX. i cant waste my time calling going nowhere fast. so disappointing we are all people life is short and the greed is so thick i could not use the card again. dont tell me to call to waste my time big deal helping me with XXXX or XXXX dollars you will not feel but would make a difference to us. i could be on food stamps right now due to my son and bills. i can pay but needed help

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-16
Company: ERC
State: PA
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:
I have a enhanced recovery collection company trying to collect a debt. I do n't not owe since XX/XX/2013 and it 's been on my credit report for 4 years I try to call and get things straighten out but they could n't find a account that belongs to me. I no longer know what to do.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2015-05-27
Company: ERC
State: TX
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:
A company has reported a collection which is not mine. Please remove

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-10
Company: AMERICAN EXPRESS COMPANY
State: PA
Product: Credit reporting, credit repair services, 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:
i called i sent a letter amex XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10
Company: Resurgent Capital Services L.P.
State: UT
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:
XXXXXXXX XXXX XXXX has fraudulently reported and sold my personal information to credit reporting agencies and to LVNV Funding LLC. 

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 602 states I have the right to privacy. 15 USC 1681 section 604A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 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 any purpose.

Company response to consumer: Closed with explanation