BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-30
Company: Netspend Corporation
State: UT
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:
On XXXX XXXX my account with net spend was hacked. Over XXXX dollars was fraudulently removed from my account. The hackers were able to change all of my account settings. Multiple phone calls to Netspend produced very little help. Eventually my password and pin was changed. Two disputes were made for the charges. First update was for XX/XX/XXXX. The bank did not provide details as why the disputed amount was not placed back on the card. On XX/XX/XXXX my direct deposit as well as a portion of the orginal dispute was in the account. At XXXX XXXX i received a fraud alert for a XXXX dollar charge. I tried calling the bank because I had been locked out of my bank app. The hacker managed to change the account settings. By the time i was able to stop hit. Almost XXXX dollars had been removed from my account. The first time the bank said they had compromised my card. So we canceled the card and had a new one sent. This time, the actual checking account was compromised. This has happened within three week ofthe hacks. The bank has not provided me with anything as to why this continues to occur. I have to leave the account open while i wait for the disputes to finish. I know this bank had a data breach a little over a year ago. It appears this bank is not consumer friendly and is very slow on information getting back to me. each time it has taken days to get my account unblocked so that i can see the charges that occured. I know that by regulations the bank has 10 days from the dispute date. However, with my account being hacked twice in three weeks this has put me in a very dire financial need. Both hacks have been charges in states that i have not been in. So realistically there is now way for me to be in those states when i am using my card in my home state. Like said, Netspend as a bank is failing its customers by not protecting them from these online hacks. I have dug through my online accounts, scanned my phone and tablet. I have reviewed my XXXX and XXXX  profiles. None of those have showed information hacking. I need a government agency to step in and help. I need to know how these hacks are occuring. I know there has to be a way to track this problem. I need Netspend to step up and protect its customer. And i am not seeing that happen. I have know doubt there has to be other netspend customers having the same issue. This needs to be addressed.

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 2023-12-01
Company: CITIBANK, N.A.
State: DC
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I received the monthly statement in the mail from my XXXX company which was informing me of new and increased APRs applicable to my account. In the general section i noticed a new line for a {$50.00} charge for an annual fee. I have held this XXXX account for more than a decade at this point and never had an annual fee associated with it. The no annual fee feature of the XXXX is why i opened the account in the first place. Upon calling the customer service line, the rep who picked up tried to convince me that this annual fee had been applied to my account since the account was opened, more than a decade ago. I disouted this claim and asked for the entire annual statement for the full prior calendar year to verify expenses. Upon pulling up the information, the rep adimited the fee had no been charged the prior year. At this point i asked to be transfered to a supervizor. After a hold, the rep returned to the line and offered to change my XXXX  to a different type of XXXX which does not incur an annual fee. I declined. He offered to close my account. I declined. I was then transferred to the supervisor. The supervisor told me there is nothing he can do. After pressing him, he offered to apply a {$50.00} credit my account ( same amount as the annual fee i had been charged ) and advised me to call back during the next billing cycle to switch to a differnt account type which does not incur an annual fee. I still wanted to know when/why/how i started incurring an annual fee. He explained that my account type was discontinued and i was automatically switched to this account type and that i was informed via mail when i received my current card, several months ago. This is false. I never received a new card on this account. I have a recurring, monthly charge on this account and i did not have to update it in years. Also, the current XXXX  in my possesion has an expiration date within the next 18 months. This service rep is trying to convince me they sent me a XXXX with a 2 year expiration date??!! They are blatantly lying. In addition i do not recall receiving infomation pertaining to these changes in the mail. My consent regarding these changes was never requested or granted. I requested a copy of the original mail package sent to me and i have not received it yet.

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 2023-12-20
Company: Experian Information Solutions Inc.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am writing to bring to your immediate attention a matter of utmost urgency concerning my credit report. After a recent review, I have discovered that my credit file contains inaccurate and fraudulent information related to identity theft. I demand that you take immediate action to rectify this situation, as the damage to my financial well-being and personal integrity is intolerable. I was the victim & Im not sure why the CRA is not complying with the law. The other bureaus have followed suit. Im very confused why this one seems to ignore my requests.

The fraudulent accounts and transactions listed on my credit report are as follows : XXXX XXXX XXXX XXXX XXXX XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused about how you've verified it while the other bureaus have removed it. Please delete this from my file. It is inaccurate, erroneous, incomplete, or unverifiable. 

XXXX XXXX XXXX XXXX XXXX XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused about how you've verified it while the other bureaus have removed it. Please delete this from my file. It is inaccurate, erroneous, incomplete, or unverifiable. 

XXXX XXXX XXXX XXXX XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused about how you've verified it while the other bureaus have removed it. Please delete this from my file. It is inaccurate, erroneous, incomplete, or unverifiable. 

I am well aware of my rights under the Fair Credit Reporting Act ( FCRA ), and I expect you to adhere to the law by conducting a thorough and immediate investigation into this matter. I demand that you delete all fraudulent entries from my credit report without further delay. 

Failure to comply with this demand within [ 30 days ] will leave me with no choice but to pursue legal action against Experian for violating the FCRA and causing me significant harm. I am prepared to take whatever measures are necessary to protect my rights and restore my creditworthiness. 

I expect your prompt attention to this matter and anticipate that you will take immediate action to investigate and correct the inaccuracies on my credit report. Please provide written confirmation of the removal of the fraudulent information within [ 15 days ] from the date of this letter.

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 2023-02-10
Company: LEXISNEXIS
State: IA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Trying to obtain auto insurance and Lexisnexis reports I have multiple accidents in driving record. Some were before I was licensed to drive. Accidents belong to family members. Their phone number will not accept calls. Submitting a customer care request will not go through. Tried on several occasions. There are about 5 accidents that do NOT belong to me. 

I have obtained a consumer report from Lexisnexis. It does not state anywhere that I am involved in accidents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-20
Company: RoundPoint Mortgage Servicing LLC
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Fees charged

Complaint:
I paid an extra mortgage payment years ago. I called and paid it over the phone to XXXX so that I would be an extra month ahead. I told them to apply XXXX payment to the current month and apply the second payment to the next month. The following month I got a statement showing I owed for that month. When I called they said they applied both payments to the current month. I stated I did not want & I did not have the funds to make XXXX payments that is why I applied to the next month so I could always be ahead and current. They said they would fix it and apply that extra one to the next month & take off the late payments. I never received statements in the mail from that point forward and no one ever called saying I was late. I paid at the end of the month for the next month. So making on a payment on XX/XX/XXXX to be applied for the XX/XX/XXXX due date. Little did I know paying the XX/XX/XXXX was for the XXXX payment. So they were applying a late fee every month. Thank XXXX I never paid past the end of the month or I would have had a late on my credit. But when I called every month to get this fixed they assured me the late fees would be reversed and they would fix it. THEY NEVER DID! I always spoke to a manager and I know they record their calls. I demanded they listen to the recordings to show they messed up and took my 2 months of payments and applied them wrong. AGAIN everytime I called they said they would fix it. Then they sold my loan and NEVER told me. I was paying the old place XXXX and they sold to Roundpoint. They apparently moved my payments, lost them and never even called me to tell me my money was going to the wrong place. I was told it is the LAW to send me notice that my loan was sold. The only way I even knew it was sold was that I was buying a new home and my lender stating i had a new loan of Roundpoint company showing up on my credit and he was asking what it was. If i hadn't been buying a new home I would have never known I was paying the wrong company. Thank goodness again not reported to my credit. But now since it was sold and I was buying a new home I was REQUIRED to pay those fees that XXXX said they would reverse or I wouldn't get my new home. This is totally illegal and want XXXX to give me back that money they took wrongly. I know I was being recorded, so I know there is record " SEVERAL '' of them saying it was their error and it was to be taken off. Instead I paid {$1500.00} worth of wrong applied fees. I WANT this given back to me. These companies should not be allowed to take advantage of us. Please listen to the recordings and get my money back. THANK YOU!!!

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 2023-11-02
Company: NAVY FEDERAL CREDIT UNION
State: OH
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Other advances of future income
Issue: Problems receiving the advance

Complaint:
I applied for a loan from Navy Federal to pay off a credit card and another loan it was approved. I never received the loan and they never paid off the credit card .then the sold tge loan to a 3rd party that is now trying to sue me for a loan the was never received

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-15
Company: CAPITAL ONE FINANCIAL CORPORATION
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 was trying to purchase a vehicle and I realize that I have damages on my credit remote. According to the 15 U.S.C 1681 Law, there should not be any damages on my report, its a defamation to my character.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13
Company: EdFinancial Services
State: NJ
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Denied loan

Complaint:
My old student loan XXXX XXXXXXXX XXXX  management who is no longer in business with the department of education mis represented my payment history and has severely affected my credit in a negative way. I still have the false late payment history listed as XXXX missed payments after XXXX of rectifying. I have lastly seen the payment history dates seem to change a bit but still no removal or rectifying of the credit report.

Company response to consumer: Untimely response
Consumer complaint received 2023-04-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Dear Consumer Financial Protection Bureau, I am writing to bring to your attention the ongoing issues I have been experiencing with Capital One 's Venture X Card, and the lack of resolution from the bank despite multiple attempts to seek assistance. I have been diligently flagging this issue with Capital One for over a year, starting in XX/XX/XXXX, and have received no satisfactory response or resolution from them. 

I was deceived into signing up for the Venture X Card due to the promised benefits and perks, including a credit of {$300.00} annually to offset the hefty annual fee. However, since upgrading, I have encountered numerous problems with my account, which have significantly impacted my ability to fully utilize the card and its advertised benefits. 

Firstly, the travel credit of up to {$300.00} to offset the annual fee has not been accessible to me as promised. Despite repeated attempts to contact Capital One 's customer service and provide evidence of my eligibility, I have not received the credit, resulting in me paying the full annual fee out of pocket. This not only constitutes a breach of the terms and conditions of the Venture X Card, but it also feels like a blatant deception and false advertising on Capital One 's part. 

Secondly, my account has been plagued with technical issues ( which prevent me from accessing the credit ), such as frequent errors in the online travel portal for any type of bookings. These issues have caused confusion, frustration, and unnecessary time spent on resolving them with Capital One 's customer service, but the problems persist without any concrete resolution. This lack of proper account management and technical support is unacceptable, considering the premium fees associated with the Venture X Card. 

I have made multiple attempts to seek assistance from Capital One through various channels, including phone calls, emails, and online messages, but the responses I received were generic and unhelpful even when speaking to supervisors. I have provided detailed documentation of the issues I have encountered, including call records, to customer service but the bank has failed to acknowledge or address them effectively. This prolonged negligence and lack of accountability from Capital One is unacceptable. To this date, my travel portal still does not work as verified by a phone call made today XX/XX/XXXX @ XXXX XXXX PT to Capital One.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11
Company: TD BANK US HOLDING COMPANY
State: RI
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:
Between XX/XX/2023 XX/XX/2023 money has been taken from my checking account fraudulently via on-line orders with my debit card for TD Bank. Many many dates, times, amounts, places, in the XXXX and other countries. The XXXX has labeled bank statements for every fraudulent transactions as well as denial letters from TD bank to return my money the XXXX also has copies of XXXX data breachs resulting in the release of all my personal information, XXXX breach happened XX/XX/2023 and the other taking place in XX/XX/2023, i was informed by letter from both companies in the month of XX/XX/2023. Whom ever is responsible also depleted my XXXX XXXX SSDI payment for the month of XX/XX/2023. As far as TD bank I sat in the branch for XXXX hours multiple times with concrete evidence that I was not responsible for debit transactions, example XX/XX/XXXX I was in XXXX XXXX XXXX XXXX Rhode Island XXXX while my card was being used in XXXX Georgia for XXXX new phone, restaurants, and shopping. I brought the hospital paperwork along with my bank statement for that date into the XXXX RI XXXX, I was called a liar by XXXX Banks XXXX XXXX, and once again I was denied my money back, Approximately XXXX dollars in total has been stolen from my account. Each complaint I filed was denied replacement of my money, XXXX complaints denied 3 times. I received a text message on XX/XX/XXXX from TD bank XXXX department asking me if I was paying for food at XXXX, I responded NO. My phone rang immediately, it was TD bank XXXX department the man on the phone again asked if I was making a purchase at XXXX restaurant, I replied again NO, at that time I informed him I was home, and I asked where XXXX was, he responded Georgia ... ... I was home in XXXX XXXX Rhode Island, that charge was STILL removed from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11
Company: MOHELA
State: MD
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 received a billing statement on XX/XX/XXXX that stated {$49.00} was due on XX/XX/XXXX ( Loan XXXX ). Loans XXXX and XXXX were not on the statement. I received an auto debit notification on XX/XX/XXXX that stated {$200.00} will be withdrawn on XX/XX/XXXX. A MOHELA representative later clarified that billing statements are only sent for loans that are not on auto debit ; however, it was incredibly confusing when my auto debit notification for Loans XXXX and XXXX stated the required payment and due date are to be determined. 

I scheduled a manual payment of {$49.00} to be withdrawn on XX/XX/XXXX while XXXX XXXX was in the process of being added to auto debit. The payment was for the remaining XX/XX/XXXX balance that was not paid via auto debit ( {$200.00} ). A total of {$240.00} was paid XX/XX/XXXX, which is the exact cost of my monthly payments for all three loans. 

I logged in to my account on XX/XX/XXXX to review upcoming payments and discovered XXXX XXXX was delinquent with an outstanding payment of {$39.00}. The scheduled payment was distributed across XXXX loans, but the payment site did not indicate this would happen. I was not notified that my loan was XXXX ( XXXX ) days delinquent due to a " missed payment. '' Furthermore, why would MOHELA allow a payment to be split if it would put a loan into delinquency? MOHELA states instructions for " special payments '' will not be followed if it causes a loan to be delinquent. The " special payment '' instructions also state MOHELA will attempt to contact borrowers if there is a missed payment or delinquent loan. I understand scheduled payments are not " special payments, '' but it does not make sense to not follow the same process. 

I spoke with a MOHELA representative on XX/XX/XXXX and was informed the payment could be consolidated and retroactively applied only to XXXX XXXX. I was advised this would remove delinquent remarks from my account and that I would receive confirmation of this update. My account does not reflect these updates, nor have I received confirmation of the application sent to consolidate the payment. 

The customer service representatives I spoke to were helpful, but the overall service from MOHELA is abysmal. Billing information is not clear and seems to be incomplete ; however, MOHELA 's failure to contact me regarding my delinquency or missed payments is most concerning. I received confirmation that my scheduled payment and auto debit payments posted, but nothing regarding the status of my loan. Delinquency can be devastating for borrowers, even if it is due to a mistake on the loaner 's end.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation