BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-13
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX I received a text from a person I thought was My friend XXXX, I told him that he needed {$400.00} XXXX send him via XXXX the amount XXXX had changed his phone number the reason was that some company had the same number attached it an official document with that old phone number BUT... 

but I still kept THAT old number list on my phone. 
What I didn't realize that that the text I received came from his old discarded # and that I had sent the money to that # I contacted my friend at a new number, and he claimed he never asked for anything. 
This was XXXX hours after the transaction and the money wasn't taken out of my account by then ... I called XXXX right away and they told me that there was nothing they could do, that the transaction had been done and that I should call my bank... and I did. 

the bank told me that there was nothing for them to do because the transaction didn't happen yet the money wasn't taken out of my account. 

the next day XX/XX/XXXX I contacted my XXXX they claimed that they will start an investigation and I have the investigation number, ATTACHED is an email from XXXX with that number. 
I also when to my local bank branch and spoke with a fraud person there, and they started an investigation too.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I got an alert on my credit report that I was added as an authorized user for a Citi bank Costco credit card with a limit of {$5500.00} that I DID NOT authorize. I reached out to the credit bureau to file a dispute. Credit bureau gave me the credit card number attached to my credit report to call Citibank Costco card. I reached out to them 5 times to get some answers of how this is showing on credit report as an authorized user. Nobody will has helped resolve this. All they say to me is " I can not provide any information to you because you are not the primary card holder. '' I have explained many times that this is a fraud accountant and I did not authorize it. I asked if they could freeze the acct so my credit is not being used, yet they said they can not do so and will provide any information about the accountant. I have called many times and each person has a different answer but none of them will help resolve how I connected to this. I need help shutting down this card and finding out how it is showing on 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 explanation
Consumer complaint received 2021-01-12
Company: Paypal Holdings, Inc
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I CONTACTED PAYPAL REGARDING TRANSACTIONS IN WHICH THE MERCHANDISE WAS NEVER RECEIVED under my user name : XXXX XXXX XXXX  XXXX {$50.00} XX/XX/XXXX Payment XXXX XXXX XXXX {$500.00} XX/XX/XXXX XXXX XXXX XXXX {$800.00} XX/XX/XXXX XXXX {$350.00} XX/XX/XXXX Payment " Order Number : XXXX ''

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-24
Company: BBVA FINANCIAL CORPORATION
State: CO
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I have had a " Build to order '' checking account at Compass Bank for over six years. 
I started getting fees late last year while I was between jobs. My auto deposits stopped while I was looking for work. In late XXXX of 2015 I started working again and the auto deposits started. I increased the amount of the deposits to {$270.00} per semimonthly pay period. This total {$550.00} per month in auto deposits. 
I have called and asked the bank what these charges are for and they say that the individual deposits have to total more than {$300.00} per semi monthly period. Aggregating the deposits monthly is not allowed ( this is an unannounced change ) and it is costing me {$10.00} per month where it did n't before.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-06-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I was a victim of inquiry issue and Ive reported this several times and nothing has been done Thru Transunion and XXXX. Name of companies are ally financial, XXXX XXXX XXXX, XXXX   XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX all these inquiries were made in XXXX and 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 2022-10-13
Company: Experian Information Solutions Inc.
State: IL
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 went to a XXXX Dealership to see if I could trade my vechicle in and I ask them not to run my credit if they wasn't able to put me in something I was re-assured that they didn't need to. I didn't know they still ran my credit without my consent until I decided to pull my credit report to see what was on it, only to find out that they ran my credit and that it had been ran XXXX times for diffrent things by them I had never used my credit for anything or had it ran. I reported this situation several times with no results. I am requesting for all these Inquiries to be removed asap because I wasn't aware of them and they was added fraudently without my consent. I have listed all the inquries below that I would like to be removed from my account asap. Thank you 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

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 2021-03-20
Company: CITIBANK, N.A.
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: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/21 I noticed two fraudulent purchases made on my credit card that were 'pending '. The charges, {$800.00} and XXXX, were made at a tire shop in Texas. I live and work in Washington, have not been to Texas in years, nor were there any other purchases made in Texas prior, just the two big ticket purchases. I disputed the charges, flagging them as fraudulent as soon as I noticed them. Citi sent a new card within a day, realizing my credit card had been compromised. Since then the charges have posted to my account, I have not received any response from Citi.

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 2020-03-26
Company: CITIBANK, N.A.
State: CO
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:
On XX/XX/2020, I was physically assaulted and robbed. The two robbers knocked me out and stole my wallet amongst other items. 

One of the cards in my wallet was a Best Buy Citi Visa Card which they used to make 2 purchases. 

XX/XX/XXXX. - XXXX XXXX XXXX XXXX {$260.00} XX/XX/XXXX. - XXXX - {$23.00} Total : {$290.00} I disputed these charges on XXXX or XXXX ; however, the company took multiple weeks to process the dispute refunds. 

My regular purchase balance was {$1000.00} and my additional purchases for that month including the fraudulent charges totaled {$530.00}. 

I paid {$1400.00} towards that balance, so XXXX + XXXX - XXXX = {$190.00} Since I did not pay the full balance, I was charged {$15.00} in interest. 

However, had they processed the dispute in a timely manner like all my other credit cards, or been responsible in their billing and not included the disputed amount in my balance, then I actually paid more than what was due. The card does have 0 interest amount that the extra amount was meant to pay down. 

Therefore, XXXX + XXXX - XXXX ( disputed ) - XXXX = XXXX This shows that I paid more than the regular interest balance had the disputed transactions ( which were eventually refunded ), not been included in the regular interest calculations. 

I am requesting a refund of {$15.00} in interest charged as a result of their error. 

I did file a claim with the company a couple weeks ago, and I have not heard back. The interest fee has yet to be refunded. 

I have attempted to contact their security ops department to follow up, but the hold time is too long. 

Attached are both my XXXX statement which shows the disputed transactions and my payment towards the regular interest amount and my XXXX statement which shows that the two disputed amounts were refunded.

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 2021-01-12
Company: U.S. BANCORP
State: CO
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Don't want a card provided by your employer or the government

Complaint:
I received a Visa Debit card ( U.S. Bank ReliaCard ) from USBank for unemployment benefits. I am not on unemployment and received this card in error. It came attached to a Welcome letter and instructions on activating the card. I tried calling the number on the card and they basically say due to covid there is a delay in response. My thought is to cut the card up ; but, this needs to be reported so these mistakes don't keep happening and people do not use funds fraudulently. 
Thank you, 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 2016-05-02
Company: Coastal Credit, LLC
State: SC
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
At the time of my purchase I was asked to give XXXX personal references in the event I was unavailable for a phone call. I was told that they would only leave name and a phone number. My finance company have been ask by me on XXXX different occasions not to disclose my personal information to my references. Today, XXXX XXXX, 2016 I was contacted by XXXX of my references stating Coastal Credit LLC, representative XXXX XXXX contact them disclosing that I was delinquent on my vehicle loan payment and my vehicle was subject to repossession.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-16
Company: Nelnet, Inc.
State: MI
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 suffered a XXXX 8 yrs ago and requested a XXXX discharge from my student debts. Due to an error in the national student debt database, my request was denied. Representatives at the Dept of Ed and Nelnet have explained the root of the data error, but each one has claimed to lack the authority or ability to correct it. Their inaction has cost me $ XXXX+ so far, and I have 13 years left on my loan. 

The representatives say that, when I consolidated my loans with my husband 's, the lump sum was entered into the national database under his name, and my loans were inaccurately marked as " paid in full '' rather than " transferred '' or " consolidated ''. Somehow, when monthly payments are due, the Accounts Payable Dept at Nelnet is still able to track my liability for the consolidated debt. When I request relief, however, the Debt Discharge Dept contends I have no debt from which to be discharged. 

The representatives have explained that, for purposes of discharge, I need to find a member of their staff who has the authority and ability to override the error in the database and recognize the portion of the debt that originated with me. XXXX Dept of Ed Ombudsmen and several Nelnet representatives all claim to lack the authority or ability to execute corrective measures. 

My husband and I have submitted applications for relief due to disability and hardship, on behalf of each of us as individuals and as a couple, to Nelnet and to the Dept of Ed. We 've participated in XXXX appeals through Dept of Ed Ombudsmen, and even though the US Dept of Civil Rights has a webpage dedicated to this issue, our Complaint was rejected based on " lack of jurisdiction ''. 

Where do we turn next? 

We 've been fortunate through all of this, to be able to continue to raise our children and pay our medical bills ; but we had to sell our home of 15 yrs, and our savings are gone. Miraculously, I have healed so substantially that I was able to go back to work this year. Please help me resolve this issue so, at XXXX yrs old, I can gain financial stability and have a fresh start at my new life.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12
Company: ALLY FINANCIAL INC.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
The first issue began in approximately XXXX of XXXX. Ally financial stated and continues to state they work with people financially hit by covid-19. I had been. For three months I attempted to work with Ally and every time I was asked what's the condition of your car and refused any assistance. My car was finally repossessed. I recieved a letter in the mail a day after that the car was to be repossessed. The bill doubled of what was due. During this process Ally was mainly unhelpful attempting to gain information on getting the car back. One agent actually told my wife he " doesn't know why Ally didn't work with us on covid-19 relief because they work with everyone ''. Obviously a flat out lie. 
Next a payment was made XX/XX/XXXX for the XXXX payment. The XXXX payment was due on the XXXX. On the XXXX of XXXX I received an email the payment had been unsuccessful. The last attempt to take it out was on the XXXX. Prior to this date several calls were made to Ally requesting why the payment wasn't taken out yet and why. They continuously states it takes 2-3 days to process. While my math skills may not be the best XX/XX/XXXX to XX/XX/XXXX is almost 2 weeks or 14 days. Thus equalling far more than the " needed 2-3 days processing time ''. A call was once again placed and a run around was given again, and even speaking to a supervisor or a manger obviously wasn't going to happen despite the request several times into the phone call. 
Furthermore I'm tired of government agencies covering for places like Ally Financial where the customer gets XXXX, the business doesn't even get a slap on the wrist and that's all there is to.

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 2018-05-30
Company: Reliant Capital Solutions, LLC
State: FL
Product: Debt collection
Sub-product: Federal student loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
At the end of XX/XX/XXXX, I went through a very nasty divorce that brought financial burden on me and lots of instability by making me change my residence 5 times in 2 years and lastly ending up living in my car for 8 months. Despite all these events, I was able to secure employment and an apartment. Meanwhile, the Student Loans were sent to a collection agency that imposed very high collection fees. On a debt of $ XXXX, the agency added $ XXXX.in collection fees. I called the collection agency on two occasions ( XX/XX/XXXX & XX/XX/XXXX ) and wrote them once ( XX/XX/XXXX ) in hopes to lower or remove the collection fees, but they refused. On the contrary, they mentioned that the collection fees will be going up every month if there is no payment received on the entire balance due of {$31000.00}. For 8 months, I lived in my car during XX/XX/XXXX-XX/XX/XXXX. How can I have {$31000.00} in my back packet to pay them when I need to pay rent and secure food and shelter for myself?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-16
Company: Nationwide Debt Management Solutions, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
Called me at my employer 's, when I said I am at work and hung up, called back and asked to speak to HR.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12
Company: WELLS FARGO & COMPANY
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:
I bought tickets to XXXX XXXX on XX/XX/XXXX. They were floor seats and I was so excited, then they changed my tickets from floor to standing, so they could get more people in. So we sold the tickets but due to covid, she kept pushing the concert date back. Many of our other tickets to see other performers were giving the money back but not for the XXXX XXXX concert. XX/XX/XXXX, I was charged for the insurance of the tickets by XXXX XXXX of {$25.00} and then on XX/XX/XXXX, I was charged {$350.00} for the tickets for the XXXX XXXX concert. 

On XX/XX/XXXX, I received an email from XX/XX/XXXX stating that the concert was cancelled. On XX/XX/XXXX, I received another email from XXXX stating that my refund was processed and I should see the money in my account in 5-7 business days. On XX/XX/XXXX at XXXX XX/XX/XXXX I called Wells Fargo to start a claim since I had not received my refund. The gentlemen told me that it would take 10 business days to refund my money and gave me my claim number of XXXX. 

Monday, XX/XX/XXXX, I still had not received my refund so I called again to see the status. XXXX at XXXXXX/XX/XXXX at this time told me that she was the only one who has worked on the claim since it had been over 120 days since I purchased the tickets. But that I have no proof or documentation to suggest that I am owed this refund. She tells me that I will have to wait another 10 days and that I will receive a letter of my results. 
I was not happy with this so I called back at XXXX and spoke with XXXX and she tells me that I am denied and will not get my money back. She says if I am not happy with this, she will transfer me over to account resolution department and his name is XXXX who asks me to go over the issue again. He tells me to send him the XXXX email by fax or email and that they will take a look at it. And that it will take 1-2 business days to receive the documentation I have.

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 2021-01-12
Company: U.S. BANCORP
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
U.S. Bank sent two letters containing Visa Debit Cards to our address on XX/XX/2021. One Visa Debit Card is in the name of XXXX XXXX and one Visa Debit Card is in the name of XXXX XXXX. These cards supposedly link to existing checking accounts at U.S. Bank. However : ( 1 ) Neither of us have existing checking accounts at U.S. Bank, ( 2 ) Neither of us solicited a bank account at U.S. Bank, and ( 3 ) Neither of us solicited a Visa Debit Card. We have attempted to call U.S. Bank at the phone numbers provided in the letters but are only able to access an automated system which will not proceed without us establishing accounts and activating these cards. We are concerned here that one of two things has happened : either ( 1 ) we are victims of identity theft and some third party is trying to establish accounts in our name, or ( 2 ) U.S. Bank is engaged in bank fraud. In either case, we request the assistance of the Consumer Financial Protection Bureau. 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 non-monetary relief
Consumer complaint received 2022-10-13
Company: CITIBANK, N.A.
State: KY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
A citi priority bank account was opened on my name. I would have to get that closed immediately. I was told there is an amount in the account. Around {$100.00}. I don't care what happens to the money. I just want the account closed and unlinked from me. That's all i want

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 2021-01-12
Company: FC HoldCo LLC
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
During the Covid-19 pandemic I was furlough on my job went back to work a few months ago and my vehicle I purchased XX/XX/XXXX I have been making payments on the vehicle was repossessed on XX/XX/XXXX I just made a payment on XX/XX/XXXX had a arrangement for next payment to be withdrawn from my personal bank account two weeks later but instead they repossessed the car I need help

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