BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-05
Company: RENASANT CORPORATION
State: MS
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:
I have been trying to resolve a fraudulent charge on my checking account since XX/XX/XXXX and need your help. On XX/XX/XXXX - an unauthorized charge of {$220.00} was deducted from my Renasant Bank checking account for a payment to someone's XXXX XXXX XXXX I do not own a XXXX XXXX, never have and did not authorize this payment. I closed my Renasant Debit card immediately. 
I disputed the charge with Renasant Bank on XX/XX/XXXX advising of the fraud charge. On XX/XX/XXXX Renasant denied my dispute stating it was a valid charge. 
I called Renasant Fraud Dept and spoke to agent XXXX and her supervisor XXXX. 
They said XXXX told them this charge was valid and I would have to dispute with XXXX. 
On XX/XX/XXXX I called XXXX XXXX XXXX XXXX who advised someone in XXXX XXXX, FL used me card number to pay their XXXX Bill. This fraud person had also created a fake email in my name- and told XXXX I was helping them out that month to pay for their bill. XXXX bought this fraud 's story and charged my card. XXXX also said there were " red flags '' all over the place for this person 's account- and that this theif used a different credit card every month to pay their bill. However, XXXX said Renasant Bank should have researched this and I would have to go back to Renasant to resolve with XXXX. XXXX also faxed me a copy of the XXXX charge and I am able to provide the XXXX  credit card number, name and address of the thief. 
I then called Renasant back and spoke with agent XXXX. XXXX and I called XXXX together and reviewed everything. All were in verbal agreement that this was fraud and XXXX advised she would reopen case and get back to me. 
I waited 6 months and never heard a word back. So I contacted Renasant via email on XX/XX/XXXX with no response. I then went into the Renasant bank manager - who said she would look into it. I went to the bank manager again in XXXX and XX/XX/XXXX- each time with promise to look into it with no response. I emailed their fraud dept again on XX/XX/XXXX and received a response this case was closed a year ago - XX/XX/XXXX. 
Thankfully, it is only {$220.00}. but still - Renasant bank should be responsible in paying this. Renasant should have been the one to find out all the facts with XXXX and gone after XXXX to go after the thief. XXXX should have billed back the thief and released my funds instead of believing the thief and his lies. 
Are you able to assist? I should not be responsible for this and should be able to get my money back. Please let me know if you need anything further. 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 monetary relief
Consumer complaint received 2023-03-27
Company: WELLS FARGO & COMPANY
State: MI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
They charged me a lot of fees they should not have. At the end of the loan they sent me like XXXX different checks for {$2.00} {$5.00} {$6.00} I called to complain they even put it on my credit report when they shouldn't have. I had nothing but problems with them. They made me buy the gap insurance and I was never reimbursed for 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 non-monetary relief
Consumer complaint received 2022-09-21
Company: ENCORE CAPITAL GROUP INC.
State: KS
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:
XXXX fundingXXXX XXXX XXXX. XX/XX/XXXX says updated XX/XX/XXXX. XXXX $ on my credit report sent into collections and I have no idea what this is, yet its still being updated!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-01
Company: U.S. BANCORP
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
US Bank has a history of conveniently posting transactions 7-10 DAYS after the transaction is made. The transaction will show in your available balance, and then disappear, leaving it extremely difficult to manage an account using their online banking system.

On XX/XX/XXXX, at approximately XXXX XXXX, my account was positive, though held a balance according to them of just under {$1.00}. On XX/XX/XXXX, a deposit was made to the account to fund the account per my spouses pay check. US Bank posted transactions made a WEEK AND A HALF prior in the overnight hours prior to the deposit, causing the account to overdraft and subsequently charged an overdraft fee. In my attempt to resolve the issue, the customer service representative became argumentative and tried to school me on the status of an account that I check MULTIPLE times a day. While I no longer wish to use this Bank, as they have a history of treating their customers like numbers, I want the overdraft fee that I was unfairly assessed refunded to my ch
ecking account.

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 2015-11-16
Company: AES/PHEAA
State: NY
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
American Education Servicesis making it impossible for me to pay my student loan, and live. My monthly payment is almost 60 % of my monthly income and with almost {$150000.00} in student loans total, I am unable to make this payment in addition to all other bills. When trying to work with AES to lower my payment or manage pay this bill, I am met with an impossible number to just get caught up, let alone continue in good standing with these. They offer absolutely no options to help in repayment.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24
Company: WELLS FARGO & COMPANY
State: NC
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
Issue : Collateral XXXX $ not released as promised on a recorded line : Background : I applied for a Wells Fargo secured card in XX/XX/XXXX and the card did n't come through for a month. During the XXXX month period I called XXXX times to check on the card and each time I was advised the card was sent, I always asked for the balance since I did n't receive the card and was told there was no balance. Then XXXX fine day I received the card and a statement followed after couple of days which had a fee and interest charged. 
I called up customer service to find about the charge and close the card ( which was never activated ), I was ok to pay off the charges but annoyed since no one told me about it even I asked every time when I called every time to find out the where about of my card. 
Finally I closed my card on in the week of XX/XX/XXXX and was told my collateral would be released in XXXX days, since I was n't happy about it and asked to speak to a manager, manager then transferred the call to customer service team and the gentleman on the phone waived the charges and promised collateral will be released and should be in my account latest by XX/XX/XXXX. 
Since XXXX $ were n't transferred back to my account as promised, I called back the customer service # on XX/XX/XXXX and was told it collateral will take XXXX days. I even spoke to a XXXX and she said she could n't help as repeated the same script. I even asked to be transferred to the person I spoke to but was told they ca n't see names hence ca n't tell me the name of the person. 
This is unacceptable since I was never activated the card and closed it because of inefficiencies at Wells Fargo 's end. 
Prior to this I also had issues with my checking account. Wells Fargo is the worst bank to bank with.

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 2016-04-28
Company: WELLS FARGO & COMPANY
State: AZ
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
about every 6 weeks WF skips taking a transaction from pending to posted, these are usually pretty big amounts, XXXX to XXXX, I pointed this out numerous times, and they always say it was because i was not adding something into the pending, i was forgetting a transaction. I always make sure i do not, the account takes pending transactions, and posted transactions out of the account balance and gives you, your available balance to spend, I take out any transactions that i have made and this is how much money i have to spend. There is a LOT of transactions, so i depend on the bank to be correct. The problem is every 6 weeks or so, they take a large pending transaction, from the same place, ( and i talked to them and they batch the CC every night ) they take it out of pending transactions, and put it into available balance. I just figured this out this last time, as there was no checks and i had XXXX available, so i made the transactions, then 4 days latter the XXXX shows up as posted in my account, so it goes from pending, to available to posted. and they do not think that this is odd or even an issue. I ca n't for the life of me figure out how it ca n't be an issue, when you put XXXX into my available spending cash, and then charge me XXXX in OD fees and then tell me its my fault ... .. I do not feel it is my job to do the banks accounting. sense when does a bank take pending CC transaction, and put it back into your account to spend, and then take up to a week to put it into the posted transactions? THEIR ANSWER WAS THAT I SHOULD MOVE TO ANOTHER BANK!!!!!

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 2017-04-29
Company: CITIBANK, N.A.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Citi Card-   XXXX  Complaint - Account- Facts : 1 ) O n  XX/XX/XXXX  a charge for {$95.00} appeared on my credit card statement.    2  ) Immediately upon receiving credit card statement I disputed the charge with  Citi Cards s ince we do not use  XXXX  products.    3 ) Citi Cards  issued conditional credit  XX/XX/XXXX . .I thought the situation was resolved.    4 ) O n  XXXX   Citi Cards reve rses the credit and bills me $  XXXX a gain.     5 )  I called and cancelled my credit card since  Citi Cards  supports fraudulent transactions.    6 ) Citi Cards  continues to bill me for this invalid charge and adds interest.   7 ) On  XXXX   XXXX   Citi Cards  sends me the fraudulent explanation from  XXXX  where they have manufactured a Customer Check- Out Report that we have never seen and have not authorized.    8  ) On  XXXX   XXXX ,  XXXX  I write a formal complaint to  Citi Cards.     9 )  My wife and I do not use  XXXX  software on our current computers.    10   ) M y wife and I have NOT authorized a renewal of  XXXX  software.    11 )  My wife and  I N EVER authorized a charge to our credit card for  XXXX  software in the amount of {$95.00}.    12 )   XXXX  is attempting to perpetually bill us for a product we do not use.    13 )   XXXX  and Citibank are attempting fraudulent billing tactics on senior citizens, hoping we will pay the bill to stop the harassment.    14 )  The Customer Checkout Report that they have generated is pure fiction. We NEVER authorized such a charge since we do not use their product. They must be using data from a previous computer or transaction.    15 )  We will not be paying for a product we do not use for the rest of our lives.    16 ) Y ou will note on the internet that  XXXX  is attempting this fraud on many people. Exhibit  6 17 )  We had to cancel our credit card with  Citi Bank   ( w hich we had for over 16 years ) since they put an unauthorized charge on our account and would not remove it.    18 )   XXXX  is simply a scam artist attempting to push perpetual contracts on the public.    19 ) Citi Cards r efuses to remove the charge and says it our responsibility to get a credit from the scammers rather than having the scammer provide an authorized charge from us.    20 ) Citi Cards  are now continuing to bill us for this unauthorized charge plus interest.

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 2019-12-05
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

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 2016-11-02
Company: SYNCHRONY FINANCIAL
State: LA
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
Synchrony Bank has shut down my credit cards and will not speak to me as to why? I have been the victim of ID theft in the past and have had several fraud accounts that were opened with them fraudgently. But the XXXX credit cards i did have with them were shut down and closed. I spoke with a fraud Special Operations Manager who was not to friendly nor was he helpful. I sent in paperwork as he requested and have not heard anything back. I feel as though I am begin treated as a criminal. I would like to please know what is going on here?

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 2015-11-13
Company: High Point Asset Inc
State: IL
Product: Debt collection
Sub-product: Payday loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
On XX/XX/XXXX I received a call from XXXX XXXX at phone # XXXX. This debt collector informed me the calls stemmed from an outstanding Pay Day loan bill from XX/XX/XXXX. I did not apply, nor have i received a Pay Day loan from any company, yet XXXX XXXX knew my phone #, address, Social Security #, Bank institution and Account #. I advised her that I did not take a Pay Day loan, and did not know how she knew my information. Also I asked for proof of this debt ( See attached ). XXXX XXXX then in an attempt to prove that this debt was legit ( Not knowing I was already at my Bank and confirmed I did not receive a Pay Day loan ) called my bank institution at approximatelyXXXX, and did gain acces. The Company name that was attepting to collect th debt was High Point Asset.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-16
Company: WELLS FARGO & COMPANY
State: MN
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
This loan is with Wells Fargo. The account number is XXXX. My credit report says that I am current, current but past XXXX days XXXX times. I was not. In XXXX of XXXX I was late with a payment. I was under the understanding that all the money that I had paid extra each month had me paid ahead and I was under the understanding that I was XXXX months ahead. It was applied to the principal. As soon as I found out that I was late I paid the money. That is the only time that I was late and not 30 days late. They have me listed as late in XXXX, XXXX and XXXX and I most certainly was not 30 days late and have the canceled checks to prove it. I have disputed this account many times including with XXXX. I pay my mortgage regularily and have not once been 30 days late. They ca n't even get the dates right. Each time I dispute the accusation, all I get is the response, no that is correct and that is it. They ca n't respond anymore than that because the dates are wrong. On my home equity line of credit, they have me listed as late once. NO I WAS NOT. They have the wrong account number on the pay stub every month. My accout ends in XXXX and the stub always ends in XXXX and until it was caught they called me late. To this day is still says XXXX and I have to cross out everytime before I pay or I am stuck in line for a half an hour while they try to figure it out. I have called and complained on this as well and they simply say no it is correct. This bank is run by idiots and is a crime to anyone with common sense. They are only trying to hurt me and my wifes name because we got an attorney involved to dispute fraudelent charges on some lines that we had. I have been told by a friend in upper Management at Wells that Wells has contacted all of the local banks and not to lend to me and that Wells is to be contacted if I go to their banks looking for money to borrow. This is black balling and is a crime in the United states of America and suit will be pending if this is not corrected. This is a serious crime and demands direct attention.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-25
Company: First Data Corporation
State: IN
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Deposits and withdrawals

Complaint:
I Canceled my Credit Card or Merchant Services company and then got hit by predatory fees. I called to cancel was given instructions on returning the Credit Card terminal which I followed & from that point forward they began pulling money from my account through ACH charges. I attempted to handle it through my bank but because it 's a business account, I would have to catch the charges within 24 hours. Prestige & First Data know what banks can and can not do so they are VERY sly in changing dates, numbers, and descriptions so my bank can not just deny future charges because they will change an amount, description, or date just enough that a database can not see it. 

The Merchant agreement was sold as a FREE service with only standard % per transaction fees, $ per swipe, and NO monthly fees or charges for equipment. 

This is predatory and malicious behavior when I did my due diligence to cancel & follow all protocols as stated on the phone during cancellation. I also have my current company that offered them reimbursement for an " CANCELLATION FEES '' but they claimed there were n't any. 

I am a sole proprietor and really need your help getting my money back and stopping this company from future business dealings with me or others who might fall for the same lies played on the sales calls. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-06
Company: GOLDMAN SACHS BANK USA
State: AL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I have made several purchases at the XXXX and charged it to my XXXX XXXX card by Goldman Sachs. I returned several items after I made several installments on them to Goldman Sachs but when I returned them Goldman Sachs did NOT issue a full refund on some of them. I have returned a XXXX XXXX watch XXXX  on XX/XX/2022 and I should have refunded back the XXXX dollars that I paid as a first installment but I did NOT. Then I returned an XXXX and I should have been refunded XXXX dollars which I did NOT. And also since I started using this card back in XX/XX/2022 Goldman Sachs has overcharged me several times and I opened several disputes which are still not resolved. Goldman Sachs still owes me XXXX dollars plus another XXXX dollars for a total of XXXX dollars which they should refund back to my XXXX XXXX  card. I am attaching screen shots where the installments made on the XXXX band and the XXXX should have been refunded but they are not

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-29
Company: AES/PHEAA
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I called AES several times over the course of three weeks this month explaining to them that I want to apply a specific amount of money ( over what my minimum monthly required amount ) to principal on my second loan and second loan only. I have a consolidated loan ( sub and unsub ). I found a letter online with specific language about applying any money over the required minimum. I faxed the letter per their request and was told the next Time I called they would be ready to process my extra payment towards loan sequence XXXX only. I called a few days later and was told my letter was not specific enough. I added verbiage which instructed them that the overage was to pay down/pay off the loan and not to put it in pay ahead status. I called back a few days later and confirmed they had the letter on file and asked if I could now make my extra payment. The customer serve guy confirmed it and said it would go to loan sequence XXXX only. 
Surprise, it did n't : It was split between loan XXXX and XXXX I called yet again and was told I had to have a letter on file ( which I did ) and it needed to contain very specific language ( which it did ) but overage payments can only be sent in by check and must have a copy of that letter ( which they confirmed was sitting in my file ) every single time I made an overage payment. The supervisor said she 'd request the over payment be reapplied as it should have been and surprise it 's still split over big accounts. I ca n't make it any clearer on the phone or in written correspondence that they are not able to decide where my extra money goes. That is my decision. What options do I have in this matter. I plan to be aggressive with my payments over the next 12-16 months in order to lay the loans in full but not if they are taking my money and putting it where it benefits them. Please provide me with options in dealing with this incompetence.

Company response to consumer: Closed with explanation