BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-19
Company: CITIBANK, N.A.
State: IA
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:
On XX/XX/XXXX, I paid for 2 orders ( XXXX for {$150.00}, XXXX for {$190.00} ) of custom printed XXXX XXXX XXXX  from XXXX with my Citibank card, which I have been using for 20+ years. The shirts that arrived were obviously counterfeit goods : the dimension were different than the dimensions on XXXX website, the fabric was scratchy and see through, the tag/logo design was inconsistent, and the stitching was loopy and loose. I contacted XXXX, but ( of course ) they would not give me a refund. 

I sent all my documentation to Citibank Disputes as well as a letter from a Case Manager at XXXX ( an international counterfeit goods identification agency ) stating the shirts were obvious counterfeits. 

In XXXX, Citicards refunded my {$150.00} order " as a courtesy '' and said they would continue to dispute the {$190.00} purchase. After months of emails and phone calls to Citicards, they sent me a message on XX/XX/XXXX stating, " We attempted to resolve this dispute with the merchant or their bank. They are unwilling to issue credit. '' It's Citibank 's legal obligation to protect me and my card from criminals who misrepresent themselves and the descriptions of their goods online.

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 2022-04-19
Company: TRANSWORLD SYSTEMS INC
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Received a letter from Transworld Systems Inc. about collecting a debt which I know nothing about. Suspect some kind of scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
Synchrony Bank XXXX said i owed {$29.00} for XXXX and also charged me a {$29.00} late fee. I have " Value pay '' print outs of all items purchased that show I'm current.

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 2022-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 These accounts have violated my rights : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 USC 1681 section 602a states i have the right to privacy & 15 USC 1681 Section 604a section 2 also states a consumer reporting agency can not furnish a account without my written instuctions

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 2022-04-19
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:
My experience with the credit agency TransUnion Was highly disturbing to say the least. They violated me on numerous occasions when it came to defaming my name on regards my credit profile. They failed to comply with the errors I brought to their attention several times. Furthermore they required me to send them a written letter to prove my personal identity aswell why it should be deleted. When the total matter of the situation shouldve been resolved verbally when I called in to have it removed the first time. They agreed to furnish my credit without consent, along with other third party creditors who participated in the same deceptive acts. This lead to the illegal defamation of my consumer profile which has prevented me from applying and being approved for things such as credit cards, houses, and cars that I rightfully shouldve been approved for. Im reaching out to seek remedy regarding the matter before it has to result in a state level lawsuit.

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 2016-10-31
Company: WELLS FARGO & COMPANY
State: VA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I was told by Wells Fargo..I have a Hold on my {$5000.00} check from fidelity because of too many overdrafts in my aaccount ... my question is can I physically go get my check back ... i need my Money for rent? 
Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06
Company: DISCOVER BANK
State: MA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I signed up for Discover savings through their website which offered a {$150.00} bonus for a {$15000.00} deposit and a {$300.00} additional bonus for a {$35000.00} deposit within XXXX days of opening the account. 

I clicked the " Open An Account '' link on the page that featured the bonus and went through the application process. 

The account was approved and opened on XXXX. I deposited {$16000.00} on XXXX to be eligible for the first promotion. I realized afterward that the bonus code was not automatically carried through on the link that I used to create the account. 

On XX/XX/XXXX I called because I thought the code would have automatically applied through the link that was featured on the website. The representative applied the promo code and credited me the {$150.00} bonus. I asked if I was also eligible for the additional {$300.00} if I met the {$35000.00} limit. I was told to transfer the funds and call again. 

On XX/XX/XXXX I deposited an additional {$18000.00} to meet the {$35000.00} minimum. I did not see the additional bonus credited to the account, so I called Discover once a week starting the week of XX/XX/XXXX and was told each time that it was being reviewed. 

On XXXX, I received a letter in the mail that my bonus was denied because I did not meet the eligibility. I called and spoke with a representative who told me the {$150.00} credit was a " one-time courtesy credit '' and that they would not credit me the rest of the bonus. I spoke with their manager as well who told me the same thing and that there was no way to dispute it or anyone else I could talk to. I told them that I was never told it was a one-time courtesy credit. 

This is false advertising. If I go to a website where a promotion is being prominently featured and click the link to apply, the promotion should be honored.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-04-15
Company: U.S. BANCORP
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
US Bank did not deposit my payroll into my account. I have not made any changes to account or payroll. I was told by Bank that because they reclassified my account to a checking account from a savings account that they closed that they did not accept payroll for the first time in 10 months 2 times a month and that they would not be able to deposit my funds for XXXX 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 2022-04-19
Company: Paypal Holdings, Inc
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I'm currently having an issue with venmo freezing my account after attempting to make a bank transfer. I was then told to upload a state issue photo ID in which I did. Once I uploaded a picture of my state issued photo ID I was then asked for additional information that wasn't originally asked for. I have been asked for bank statements to every bank that's tied to my venmo account and every card that's tied to my venmo account. I have been asked to upload a picture of myself standing in front of the photo ID. I also have been asked for government documents with my name and address on it to verify furthermore. I believe this is an excessive amount of data and it's also a security issue. And to top it all off I was only originally asked to upload a picture of my government issued photo ID. These assessors recommendations has called extreme hardship on my current situation and also my mental well-being. Not least I was told that there was a violation on the account and that's why it was frozen and they wanted to make sure that I was the owner of the account but they never said what the violation was exactly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
Company: Experian Information Solutions Inc.
State: GA
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 Account # 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 a 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 explanation
Consumer complaint received 2015-04-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
Bank of America misled me into believing that a duplicate or substitute check would be issued, by them, after the maker decided not to pay it. A check for over $ XXXX was deposited into the ATM. Four days later, or so, I found out the check was reversed only after initiating contact with them. Valuable time was lost during the weeks that they misled me and this is compounded by the fact that no written notice with the check copy was received until a few days ago. This check/property was handed over to the bank, as the customer they owed me specific duties, including the ability to cure any defects with the item.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-14
Company: Navient Solutions, LLC.
State: IN
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 keep getting phone calls from Sally Mae over a student loan called today 2 times XXXX number was XXXX do not have a student loan, and have never had a student loan.. They keep harassing me by calling me ... This call was at XXXX XXXX/XXXX/2016 Caller ID says private. I looked it up online, It is Sally Mae. I have already turned in a previous complaint with a different Phone number, that called me before. I want {$5000.00} for harassing me. These are robo calls. I received another call at XXXX XXXX XXXX/XXXX/2016, Caller ID said unavailable, when I picked it up it was another robo call, ,about a student loan and to press XXXX. I pressed XXXX and blasted the foreign speaking guy with my air horn.. I want another {$5000.00} for that call. This is just harassment for something I do not have a student loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-12
Company: Navient Solutions, LLC.
State: TN
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I was a young naive XXXX XXXX XXXX. I attended XXXX, XXXX, XXXX and XXXX. At all of these institutions I was encouraged to take the maximum amount of both federal and student loans and do not have a degree. At XXXX I was encouraged to take the maximum amount allowed on both federal and private by a Financial loans Specialist named XXXX. She would ask for money for helping us get the most money we could. We all would get at least XXXX XXXX dollars after loans payments were disbursed. This was happening for a high number of us attending the location in XXXX TN. I am now XXXX old no degree and over XXXX in federal and private student loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
Company: REGIONS FINANCIAL CORPORATION
State: MI
Product: Credit card or prepaid card
Sub-product: Payroll card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
On XX/XX/XXXX I had unauthorized use on my debit card on the same day I called the company to report the amounts which were as follows, {$240.00}, {$530.00}, {$65.00}, {$84.00} and {$250.00} On XXXX XXXX I was sent an e mail from the company that they were providing a provision credit for the amount being disputed of {$74.00} which I do not understand given the amounts that I have indicated that are under dispute. 
In the email I was advised that it would take from 45 to 90 days to complete their investigation that's after my original reporting the incident it has been well past that point now and I was wondering could this office help me in this regard.

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 2020-06-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
the companies are reporting the wrong info on my credit

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 2022-04-19
Company: Resurgent Capital Services L.P.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have been contacted by XXXX saying I owe a debt for credit card. Now I was contacted by a previous company that had this debt that proved that I did not have knowledge of this debt and did not occur this debt and sent it back to the original creditor as fraud. Now resurant refuses to do so sending harassing emails threading to sue, send me to jail and take my personal possesions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-19
Company: ERC
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This dept was paid in full. All equipment was returned. This is a second party collection agency that is trying to v cm lecture on a debt that is paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card
Issue: Other fee

Complaint:
I signed up for the Capital One Quicksilver card via this link : XXXX As you can see, it specifically advertises that there is no annual fee. A month after my enrollment, I noticed a {$39.00} membership fee charged to the account. I have called and emailed several times, presenting evidence of the original offer, but they reply with automated messages, ignoring the substance of the issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have been paying my mortgage for 15 years automatically from my bank. My escrow amount increased in 2017 so my electronic payment from my bank went out on XXXX XXXX for my XXXX XXXX Mortgage payment before I increased the amount. Obviously my XXXX payment was less than the expected amount and since it was made in XXXX the bank assumed it was an additional payment and applied it to principal. I later called the bank and paid the difference for the new escrow amount and they told me they backed out the prinicpal payment and applied both payments. They removed a late charge and all seemed fine. I got a call this morning at XXXX XXXX saying they never received my XXXX payment and it is more than 30 days late. I logged on to my account and I have paid both XXXX and XXXX 's mortgage payments in full yet they are claiming I have n't paid XXXX 's either. While this may be an honest mistake they have now ruined my credit which was XXXX before this but because they seem to think my payment is 30 days late they say they will report it to the credit bureau. I have XXXX new young children and am currently shopping for a new mortgage to get a bigger house. This obviously hurts me a lot as my stellar credit is now not so stellar. I think they need to be held to a higher standard when they have such power over peoples lives and I do n't actually think it 's an honest mistake. So just to summarize I have made both XXXX 2017 and XXXX 2017 mortgage payments in full and on time but they claim I am 30 days late on XXXX 's payment and that I have n't made XXXX 's payment. How is that possible when it shows on their website that they have received them. I think bank of america has shown in the past that they do not have the consumer 's best interest in mind and they have been reckless.

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 2015-06-05
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
I went to XXXX College in XXXX XXXX XXXX XXXX I attended for 2 and 1/2 year and graduated with a XXXX Degree in XXXX XXXX. Upon graduation I struggled with finding a job in the field with the economy in the state it was in ( XXXX ) and the lack of education I received from the college. I learned in the XXXX world that the education I obtained was sub-par at best and in most cases did n't meet XXXX standards for an XXXX position. The lack of education was due to the college " cycling out '' the program I was enrolled in so they pushed for all of us to graduate earlier than predicted upon enrollment. Furthermore, they used teacher who were not certified/qualified/educated enough to teach these core classes at a college level. I decided to pursuit a XXXX Degree at XXXX in XXXX and was advised that XXXX college was not regionally, nor nationally accredited. Therefore, my credits earned and paid for were irrelevant and, I would have to start from scratch. In the meantime I had to start paying back my XXXX XXXX loans which where quite hefty in cost. After breaking down the math I was paying a little less than the interest charged each month, therefore I could never move forward in paying off the loan. Due to the economic hardships I was forced to place my loans in deferment and/or forbearance in order to afford the other bills and living costs I had. In it 's current state I still pay more per month for my loans than I do my home loan, and the amount of interest compounded each month, will make it nearly impossible to pay off this debt. I have been paying off this loan since late XXXX and I currently owe over {$12000.00} more than my initial balance due to these circumstances.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
Company: Experian Information Solutions Inc.
State: TX
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:
FRCA Violation loan XXXX XXXX XXXX XXXX XXXX FRCA address and names XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2022-04-19
Company: Experian Information Solutions Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Utility company has sent a debt to collections that was not mine and I never lived at address to have services, Im positive if that was my information it was fraudulent obtained and used please remove those debts from my credit reports

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 2022-04-19
Company: Experian Information Solutions Inc.
State: GA
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 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 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 a 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 explanation