BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-25
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
The Claim No. assigned by Citibank : XXXX On XX/XX/XXXX. XXXX, hacker sent a message on top of Citibank 's login page, stating that he was from Citibank, and told me that " some suspicious activity occurred on your account, please call XXXX '' ... Then the Hacker sent wire transfer instructions to Citibank wire out {$49000.00} without my consent and knowledge. My request for refund was denied by Citibank 's Fraud Prevention by a form letter, dated XX/XX/XXXX. This letter stating that the dispute was declined. There was no signature, no supporting documentation to substantiate this decline. 

According to the Client Manual Consumer Accounts of Citibank, Effective XX/XX/XXXX. This 53-page manual was published by Citibank and mentioned in your form letter of denial dated XX/XX/XXXX. Under page 19, of the manual, section of Security Procedures wherein states, I quote When you place an order for a funds transfer, we will follow a security procedure established for your protection and ours to verify that the transfer has been properly authorized. You understand that the security procedure is designed only to verify the source of the funds transfer instruction and not to detect errors in the content of that instruction or to prevent duplicate transfers. The procedure depends on the means by which you provide instructions to us. Unless we agree on another security procedure, you agree that we may confirm the authenticity and content of instructions by placing a call to any authorized signer on your account. By placing a transfer order, you agree to our use of the applicable security procedure. You agree to be bound by any funds transfer request that Citibank receives and verifies in accordance with the security procedure outlined above. Unquote.

Based upon Citibanks own manual/statement, apparently, Citibank failed to obligate the banks fiduciary duty and its own commitment. Records reveal that the transaction was conducted by a hacker, and I personally reported this incident to Citibank branch office immediately after the occurrence. The whole events were not handled in a timely, correctly and professionally manner. This loss purely was due to Citibank 's gross negligence. I demand the loss to be reimbursed immediately. 

Appreciate your Office 's involvement and wish to hear from you of a positive news 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
Consumer complaint received 2017-10-18
Company: FIFTH THIRD FINANCIAL CORPORATION
State: WA
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:
This is a resubmittal of additional information related to Complaint # XXXX. 

Here is the original text of that complaint : I have a credit card issued by XXXX. This card was hacked in XX/XX/XXXX/XX/XX/XXXX. When I looked at my XX/XX/XXXX statement I saw a charge for {$110.00} that I didnt recognize. I called XXXX in early XXXX and said it looked like another fraudulent charge, similar to the several charges from the hack. XXXX issued a credit and filed a chargeback to the other company involved, Fifth Third Bank. However, a few days later I realized that the charge was in fact legitimate and contacted XXXX. They did the required paperwork to release the funds to Fifth Third Bank. This was in XX/XX/XXXX. 

I thought the matter was completely settled until I was contacted by the merchant ( XXXX XXXX ), as well as the merchants credit card servicing company ( XXXX ) in early XX/XX/XXXX. Both entities told me that the funds were never released by Fifth Third, and that I needed to pay XXXX XXXX in cash. I apologized for the delay, but explained that XXXX had released the funds in XX/XX/XXXX. Since then Ive been in frequent contact with XXXX, XXXX, and XXXX XXXX. XXXX and XXXX both told me I need to contact Fifth Third Bank to get my money back. 

I tried both emailing and calling Fifth Third Bank - horrible experience with zero results. XXXX told me today that I may have to take legal action to get my money. Based on the many negative reviews on multiple websites, this is a company that should no longer be in business, and perhaps a large class action lawsuit would be just the ticket. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Subsequent to filing the original claim, and seeing that Fifth Third Bank has denied TWICE that this is their problem, I am providing additional information and documentation. 

1. Screenshot of a secure email from XXXX indicating the funds were released to Fifth Third Bank on XX/XX/XXXX. 
2. Screenshots of emails from XXXX also indicating that they had completed the paperwork to have the funds released back to me -- and to contact Fifth Third Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Greetings. 

I've been sending disputes since XX/XX/XXXX, and on XX/XX/XXXX I sent in my most recent dispute to XXXX XXXX XXXX regarding Bank of America 's claim that check fraud has been committed. Within the dispute I have included all the required and supporting documentation : Identity Theft Affidavit - FTC Complaint Number - Copy of Photo ID - Police Report - Explanation Letter. 

I received a response through email from XXXX XXXX XXXX on XX/XX/XXXX and they have not removed the requested information of check/checking account fraud by Bank of America , Which again was a result of identity theft. I have provided the necessary documentation to prove so and they are violating my rights by not removing said information from my XXXX XXXX Report. 

I will upload the docs on this claim. 

XXXX XXXX XXXX XXXX Bank of America must provide proof that this was not Identity Theft If not they must remove information, please CFPB look over this claim. 

FTC Claim # 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 2022-06-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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 2022-06-10
Company: Experian Information Solutions Inc.
State: TX
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 sent my XXXX letter off on XX/XX/2022. Here is my tracking number XXXX to remove personal information that I do not want on my credit report. Pursuant to the fair credit reporting act 15 USC 1681 ( a ) ( 4 ) to be exact I have the right to privacy.

ALSO, pursuant to 15 USC 6802 no financial institution is supposed to share my information to 3rd party companies. 

There are clear violations of my federal protected consumer rights. 

Delete all of the following personal information from my consumer report NAMES : XXXX XXXX XXXX - Name ID # XXXX XXXXXXXX XXXX XXXXXXXX - Name ID # XXXX XXXX XXXX - Name ID # XXXX XXXX XXXX - Name ID # XXXX XXXX XXXX XXXX - Name ID # XXXX XXXXXXXX XXXX XXXXXXXX - Name ID # XXXX ADDRESSES : XXXX XXXX XXXX XXXX TX, XXXX - Address ID # XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX -Address ID # XXXX XXXX XXXX XXXX XXXXXXXX TX, XXXX -Address ID XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX - Address ID # XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX - Address ID 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 non-monetary relief
Consumer complaint received 2020-04-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
I been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back too high or I am ineligible. When I ask why I get told that it could be that my credit history is not too good. I finally decided to pull my credit report and I found things on there that I have never applied for. These items are not mine. Please remove them from my report.

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 2022-06-10
Company: EQUIFAX, INC.
State: FL
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:
In accordance with the Fair Credit Reporting act XXXX XXXX  XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-21
Company: EQUIFAX, INC.
State: FL
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:
I previously submitted a dispute for XXXX on my XXXX  report and they reported it as correct however it is not. They continue to report a late payment each month even though the account is closed. XXXX  refuses to allow me to submit a new dispute even though they are reporting it wrong and it is seriously affecting my credit. Dates of previos payments and total due are wrong XX/XX/XXXX XXXX XXXX XXXX Web ID : XXXX {$430.00} XX/XX/XXXX Card Purchase XX/XX/XXXX XXXX XXXX TX Card XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Web ID : XXXX {$430.00} This was reported as a charge of in XXXX with a balance of {$14000.00}. Then the amount increased after the charge off was reported XXXX XX/XX/XXXX XXXX XXXX XXXX Web ID : XXXX XXXX XX/XX/XXXX Card Purchase XX/XX/XXXX XXXX XXXX TX Card XXXX XXXX XX/XX/XXXX Card Purchase XX/XX/XXXX XXXX XXXX TX Card XXXX XXXX XX/XX/XXXX Card Purchase XX/XX/XXXX XXXX XXXX XXXX TX Card XXXX XXXX This company has several lawsuits pending for unlawful

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 ; XXXX and Transunion are reporting incorrectly a charge-off in the amount of {$1200.00} on the XXXX XXXX partial account number XXXX. ( Please see page 3 of the attached credit report. ) This account has been paid and needs to report a {$0.00} balance. This incorrect reporting is harming my credit score. I have contacted the ( 3 ) bureaus to resolve this issue, however I have been unsuccessful.

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 2019-11-21
Company: Radius Global Solutions LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
XX/XX/21 central services contacted my son about my debt rep named XXXX told him The amount of the debt, and who the debt was owed too. The amount he was given was XXXX when I called they gave me XXXX. After she gave me that amount I advised her that my son was given a different amount. Then she stated that XXXX shouldnt have disclosed that information. I was given an option to pay the amount in full today after advising I wasnt able to pay she stated that I could pay on XX/XX/XXXX and that option could be broken into two installments. After not being able to do that plan I asked if the the amount could be reduced she stated no, but then said that it could be reduced to XXXX something but it would have to be paid today. That option wasnt duable for me so I had to decline it. The last option given was to me was to pay 200 something on XX/XX/XXXX and have 3 installments. The rep stated this company does not have a website where I could make payments on for me a verify this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-28
Company: DISCOVER BANK
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
I had some unauthorized transactions on my Discover card between XXXX XXXX 2017 to XXXX XXXX 2017. I  reported this with Discover talked to their fraud investigator and was very clear that only the transactions between those dates were unauthorized. We even went through each one so to make sure there were no mistakes. I received an alert from my familys business checking account that I was overdrawn by more than {$3000.00}. After viewing account information Noticed a Misc. Withdrawl for {$4600.00} from Discover. Further I have been receiving alerts from utility companies for charges placed on my discover card from XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Discover has literally reversed every transaction that has ever been placed on My discover card and without my permission marked every transaction as fraud and forced merchants chargebacks. This includes numerous businesses I frequent. I want to make it perfectly clear, the transactions prior to XXXX XXXX, 2017 were all authorized and initiated per the agreement with Discover, which is a Contract by adhesion meaning I had no say in the terms. Discover created the contract and now have violated their own contract at least 2 dozen times. I Have suffered damages that will exceed {$50000.00}. Discovers actions will destroy business relationships, it has cost me NFS fees, charge back fees and late fees. All my accounts due dates are between XX/XX/XXXX-XX/XX/XXXX of every month. Discovers reckless and unlawful actions are forcing me to take tomorrow off work to deal with the damages. I have dozens of calls to make as most departments are closed at the time I was notified of this incident, therefore forcing me to take tomorrow ( Wednesday XX/XX/XXXX ) off work. I have already drafted a civil complaint to file in XXXX County Circuit court against Discover. I believe other family members will be doing the same over the next week since this has also affected them. Additionally, Discover wrongfully closed this account and reported the negative information to all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10
Company: WELLS FARGO & COMPANY
State: AZ
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:
1 ) On XX/XX/2022, I boarded the XXXX XXXX XXXX providing XXXX my XXXX XXXX card for incidentals. 

2 ) On XX/XX/XXXX, XXXX, and XXXX, a total of {$29000.00} was charged to my card, most of which went to the XXXX XXXX cruise line in XXXX, Florida. Being at sea, I didn't detect this until I arrived home on XX/XX/XXXX, at which time I cancelled my card with Wells-Fargo bank. 

3 ) My final statement from XXXX did not include these charges and I have no way of knowing whether these were made from the ship. I contacted XXXX XXXX and they denied that any cruises were booked in my name or paid with my credit card. 

4 ) Wells-Fargo investigated and concluded that, by giving my card to XXXX, XXXX had authorized these charges and am therefore responsible for them. This is consistent with the policy on the CFPB website : " if you give your card to someone to use, you have authorized the use. If the person uses the card for a different purpose, that may still be considered an authorized use. You would still be responsible for the charge, until you notify your card issuer that the person is no longer authorized to use the card. '' 5 ) I can't stay in a hotel, or go on a cruise ship, without providing a credit card. How can I be responsible for rogue charges such as this? This $ XXXX was almost double the credit limit on my card so a lower limit wouldn't have helped in this case.

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 2022-01-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I have been with Capital One for a long time. I have asked repeatedly to lower my interest rate. My bill is due and I pay on the 13th of each month as soon as I get the statement. I also pay extra on it each month. They can't tell me why they will not lower the interest rate and I have never been late on paying the bill. Now I see that the fed reserve is going to ask to raise rate once again and for no reason other then they can Capital One will raise my rates. I wish you would look into why Capital One will not lower a good customers interest rates and put a stop to them being so low end company that a person who pays on time and why early and extra that this company will not and does not do the right thing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10
Company: Specialized Loan Servicing Holdings LLC
State: FL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
Like most Americans, I was affected by the COVID pandemic. My loan is a XXXX XXXX loan and in doing my own research I have found some errors I believe were made by Specialized Loan Servicing. I was never notified there was assistance available. I was never advised of the forbearance that was available, I also was never informed about the CARES act or any assistance that I could have utilized. I fell behind on XX/XX/XXXX almost a full year after the CARES act was passed. I received a call from SLS and told to make XXXX payments to save me from falling more than 60 days behind on XX/XX/XXXX. We have included the transaction history and that information was inaccurate. I received default notices on XX/XX/XXXX and XXXX, XXXX. I was sent a default email XX/XX/XXXX. Our concern is that SLS put me in a default situation when there was available assistance. Also, I believe that assistance was supposed to be offered to me every 34 days after a missed payment.We are looking for an explanation as to why my lender did not attempt to help me during a global pandemic, and after the CARES act was passed to help homeowners. 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 2022-01-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
My mother passed away on XX/XX/21. She had a 401k ( $ 150k ) and brokerage account ( $ 50k ) at Merrill Lynch. The 401k listed four children as beneficiaries. We provided the death certificate snd all other requested documentation and have been waiting months for the distribution. We were forced to open ML accounts that we did not want in order to do this. We have also not received the proceeds from the brokerage acct. I have called daily for WEEKS and keep getting soon or tomorrow or next week. Still nothing months later.

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 2022-01-12
Company: EQUIFAX, INC.
State: CT
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have been trying to get my credit freeze with Equifax lifted since XX/XX/2021. I am locked out of my account and when I finally got through to the call center in the XXXX they keep telling me I am not verifying my identity correctly. I confirmed five questions on the phone about my credit history, I confirmed my name, date of birth, emails address XXXX street number and zip code. I then verified a code they sent to my phone ( the phone number was separately verified ) twice and the agent said I didn't give the correct code. They then sent me a link to return picture of my drivers license. I did this twice with my XXXX XXXX and took crystal clear pictures with no glare. They rejected them all. I asked to speak with a manager and the agent hung up on me. I need to buy a computer today at XXXX, and I need the line of credit to get the extended warranty. I was also part of the data breach that happened several years ago. This is entirely unacceptable and I would like to see them disciplined for their negligence and inaction.

Company response to consumer: Closed with explanation