BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-28
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I opened a suntrust account XX/XX/XXXX online once approved I made a deposit with my tax return check of around {$340.00} I waited a week before making any more deposit just to see if it was going to closed. Upon receiving a card, check books etc I put the rest of my money in there via in person {$9900.00} CASH assuming it was safe 2 days later my account locked. I wasnt aware my account locked until I tried to pay my bill and it denied me, thats when I called suntrust and a representative informed me my account was closed and I will receive a check in a mail. A week went by and I havent received an update or my check so I called again and now my account is FROZEN and there is no time frame they can give me and tell me why its under investigation. A representative tells me I wont receive a letter or any information until the investigation is done while another representative tell me one has been sent 2 weeks ago but I havent received it. Its been almost a month I cant pay bills, buy my daughter food, wipes or papers. My phone is off, I cant pay my rent or any bills for my basic needs I have nothing and they keep telling me they cant give me information

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 2023-11-26
Company: American First Finance, Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have been a victim of identity theft and i received information that someone in XXXX XXXX has used my information with this company to obtain good that i have no knowledge of AMERICAN FIRST FINANCE is reporting on my credit report as a debt this is not my account and needs to be removed from the reporting bureaus asap.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-26
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit 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:
American Express delta sky miles, refunded me a promotion check, now they are charge me as a bill

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22
Company: JPMORGAN CHASE & CO.
State: NC
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:
To whom it concerns, I have had this Chase freedom account for approximately XXXX years. Somewhere around 2009. I wrote a balance transfer check. I do not know the date or the amount as I am unable to go back in my account that far. For the past XXXX years, Chase has not applied XXXX XXXX towards the balance that remained after the promotional period ended. Which is in violation of the card member agreement. 
According to my math, I have been overcharged interest and cash advance fee in the area of approximately XXXX. I have made a XXXX phone calls, trying to address this with Chase, and have received some unbelievably ridiculous answers, all of which have proven to be unhelpful. According to the card member agreement, payment allocation applies to highest interest/lowest interest/oldest balance. This balance of XXXX  has been on the account for over XXXX years and has not been paid down by XXXX cent. 
Starting in XXXX after XXXX phone calls again Chase has started allocating approximately XXXX dollars monthly to this balance, which still violates the terms of the card member agreement. 
This balance has been on this account for more than XXXX years and is 100 % the oldest balance on this account.With purchases and payoffs and interest and fees over XXXX years I am requesting that Chase present the math along with an explanation as to why this has yet to be paid off in more than XXXX years.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
Company: ROBINHOOD MARKETS INC.
State: MD
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:
Had a hotel and flights booked for a trip this summer but because of riots and a state of emergency declared by the president of that country, the flight was cancelled and the hotel refused to cancel ( which was their right ) however I was allowed a date change through the booking host and the hotel denied all requests and assistance. Given that there was no way to get assistance I reached out to Robinhood as my bank and gave them all my communication with the hotel indicating even the refusal ( under the terms of contract ) that they declined to adhere to. The response after a very lengthy " investigation '' was getting this response : " We are not responsible for the delivery, quality, safety, legality, or any other aspect of goods and services that you purchase from others with your Card. '' If they are not responsible to ensure that their customer 's aren't defrauded then they should not have the ability to operate as a bank or entrust customer funds to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-26
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I received an American Express gift card on XX/XX/. I have tried to use the card to make purchase online and was declined everywhere. The call to the company was not helpful because it was hard to find a real person to talk. I want to find a way to use the gift card. It is certainly not as easy as what they describe on their website. Very disappointed with AMEX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-28
Company: MoneyLion Inc.
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with additional add-on products or services

Complaint:
back in 2017 I took out a loan with Moneylion. They require you to sign up for a membership to get better interest rates. I paid the payment for the loan and an additional {$70.00} a month which comes out {$39.00} twice a month. The fee has been withdrawn 23 times while other times it was not. The fee was supposed provide an investment account. I called month back ask about how to get funds out of my investment account and found out NO INVESTMENT ACCOUNT. I called and a ticket was opened. A week later I called and it was escalated with no ETA on a fix. I reached out to multiple people in Leadership positions at Moneylion on XXXX. I received a call from XXXX XXXX XXXX XXXX when I returned the call it went to voicemail and will not allow you to leave multiple. This was false and misleading and to not have the ability to cancel or stop the ACH debit for the membership this is my last ditch effort to get this resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-22
Company: WELLS FARGO & COMPANY
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Between XXXX early XXXX wellsfargo I felt stolen myself XXXX and XXXX  benefits and applied my benefits to over drafts myself had no clue about view XX/XX/XXXX through XX/XX/XXXX wellsfargo did myself an unjust service and did not care regarding investigation myself request

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 2021-06-28
Company: Experian Information Solutions Inc.
State: CA
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:
Noticed on my credit report a student loan for XXXX XXXX This is not mine. This was opened fraudulently using my personal info. 

I was notified by earlier this year that all of my personal info was stolen and is actively being used. This was the result of a data breach by the insurance 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 explanation
Consumer complaint received 2022-04-29
Company: EQUIFAX, INC.
State: NY
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 of the Fair Credit reporting act. This list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX Account XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, 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 without my written 15 U.S.C. 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency make any consumer report containing any following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22
Company: WELLS FARGO & COMPANY
State: AL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
Never received a bill and they closed my account and they took points off 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 2021-06-28
Company: U.S. BANCORP
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Hello, I filed a complaint on XX/XX/2021 and I got the response asking me to follow instructions to refund me. I followed the instructions, but I did not get the refund yet. It is more than 3 months now. Please refer to the previous complaint for more details. Complaint ID : XXXX. I also attached a PDF file with the previous complaint. 

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 2021-06-27
Company: Early Warning Services, LLC
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I want Early Warning Services to immediately send and mail me a complete copy of my Early Warning Services Consumer Report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
Portfolio Recovery Associates, LLC at XXXX XXXX XXXX, XXXX, VA XXXX has been sending me collection notices in the amount of {$1200.00}. This collection has been reported as past due balances. I do not know this company. I have never done any business with this company. The company does not have a contract with my signature. Furthermore I've filed the original debt in the amount of {$1200.00} as part of my income as required by the form 1099-C sent by the original creditor XXXX Bank XXXX The inaccurate collection was removed by XXXX Bank after the last dispute was filed XX/XX/XXXX with the CFPB. 

Portfolio Recovery Associates has since sent me another collection letter noting the account numbers ( XXXX ) ( XXXX ) listed on the 1099-C and the notice of debt sold/purchase from XXXX Bank to Portfolio Recovery Associates does not match . On XX/XX/XXXX Portfolio Recovery Associates put the collection back on my credit reports after the deletions last month. The inaccurate reporting of the account numbers is a clerical error on the part of XXXX Bank and Portfolio Recovery Associates. I do not any further debts in the above referenced amount of {$1200.00} that is being inaccurately reported again.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: JPMORGAN CHASE & CO.
State: UT
Product: Credit 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:
On XXXX I used my Amazon XXXX Rewards Visa card on Amazon.com to order a XXXX XXXX XXXX, which was gifted to someone. The total, including tax, was {$560.00}. 
This amount was charged to my card on XXXX. 

On checkout, I selected advertised promotional financing of 12 month equal payments with 0 % interest. 

Upon receiving my statement for XX/XX/XXXX, I saw that the promotional financing was not applied, and that the amount was due in full the next month. 

My Amazon invoice confirmed that I selected financing. 

I contacted Chase via the number on the back of my card on XXXX. Both representatives told me that I had to contact Amazon as the financing was initiated through them. 

I contacted Amazon on XX/XX/XXXX via chat. 
The first two representatives transferred me upon hearing the issue. 
The third representative told me initially that I did not select financing. I corrected them via the invoice I had. The third representative then told me that they could not offer me the financing without physically returning the gifted item no longer in possession. I mentioned CFPB, and was transferred to a phone representative. 
The fourth representative immediately transferred me to another phone representative after telling me she could not help. 
The fifth representative told me the same as the third. The fifth representative said they were not aware of anyone else that could help when I asked for a further transfer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
XXXX XXXX XXXX XXXX Balance : {$2600.00} - Your records are revealing conflicting and incorrect information compared to other bureaus. 

XXXX XXXX XXXX XXXX Balance : {$420.00} - This account belongs to someone else. This is not my account. Provide me specific data to prove that it belongs to me or remove it accordingly. 

XXXX XXXX XXXX XXXX Balance {$620.00} - This account must be delete immediately due to years of late payments after account was already closed. 

XXXX XXXX XXXX balance {$95.00} - This collection account has been re-aged and is being reported past the legal time allowed. Also, provide me with a breakdown of the fees & authorization because I did not agree to have any of my information shared. 

XXXX XXXX XXXX balance {$100.00} - Account is reporting inconsistencies and inaccuracies. Open Dates are showing different dates at each bureau. 

XXXX XXXX XXXX XXXX : {$250.00} - This account has been transferred/sold, but you are still reporting this account with the original creditor. You are reporting this inaccurately. Delete Immediately. 

XXXX XXXX XXXX XXXX Balance : {$83.00} - The creditor information is missing. Please remove due to failure to identify the creditor Name address or phone number. Account can not be verified. 

XXXX XXXX XXXX XXXX Balance : {$110.00} - Account is reporting inconsistent and inaccurate, please delete this account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Company: I.C. System, 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: Account status incorrect

Complaint:
In accordance with the fair credit reporting act XXXX account # XXXX has violated my rights. 

15 usc 1681 section 602 states I have the right to privacy. 

15 usc 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 

15 usc 1666b : creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2023-01-22
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
XXXX contacted my financial institution about the issue

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 2023-01-22
Company: Capio Partners, LLC
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In 2018 I was in a car accident and I rear ended and was found to not be at fault. Any medical bills from this accident should have been billed and paid by my car insurance provider XXXX XXXX. XXXX  XXXX is reporting a collection amount of {$860.00} on my credit report. Not only that but they have committed fraud by reporting it like it is a new debt as an opened account several times a month to purposely affect my XXXX XXXX. They reported as a new opened account to transunion on XXXX and caused my XXXX XXXX to drop XXXX points. This is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-28
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Paypal closed my account for no reason and will not help me with geting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for weeks but I just remembered I could file a report on here as I feel they are not doing their job properly and it effecting me a great deal as i used paypal quite frequently. My email linked to my Paypal is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-25
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
BACK IN XX/XX/XXXX THEY CLOSED THE ACCOUNT. PRIOR TO THAT I WENT INTO THE BRANCH AND WAS TOLS THEY HAD TO REACH OUT TO THEIR BACK LOG TEAM AND HAVE THE ACCOUNT PUT ON THE SERVER. THE REP HAS FAILED TO CALL ME BACK AND EVERYTIME U CALL THEM HE IS WITH A CUSTOMER AND WILL CALL ME BACK. I REQUESTED MY ACCOUNT STATEMENTS WITH THE LAST TIME BEING ON XX/XX/XXXX. I WAS TOLD VIA PHONE REP THAT THEY HAD NO NOTES ON THE ACCOUNT AND COULD NOT FIND AN ACCOUNT. TO GO BACK TO THE BRANCH AND THOSE ARE THE ONLY ONES WHO CAN HELP ME. XXXX  ARE DENYING ME ACCESS TO MY RECORDS AFTER THE RANDIMLY CLOSEE MY ACCOUNT WITH NO EXPLANATION OR COMMUNICATION. NOW XXXX ACCOUNT NEVER EXISTED.

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 2023-01-22
Company: CITIBANK, N.A.
State: KS
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:
Our new cards were sent by Citibank ( XXXX XXXX ) mailed to my home address XXXX XXXX XXXX, XXXX, VA XXXX and forwarded to my old address XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX, MO, XXXX. Below are all the charges : XXXX XXXX XXXX XXXX XXXX Charges : XX/XX/2022, XXXX XXXX XXXX XXXX, XXXX XXXX, KS for the amount of {$230.00} XX/XX/2022, QT XXXX, XXXX  XXXX, MO for the amount of {$11.00} XX/XX/2022, QT XXXX, XXXX  XXXX, MO for the amount of {$50.00} XX/XX/2022, The XXXX XXXX XXXX, XXXX XXXX, MO for the amount of {$12.00} XX/XX/2022, The XXXX XXXX XXXX, XXXX  XXXX, MO for the amount of {$12.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-22
Company: WELLS FARGO & COMPANY
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I left Wells Fargo in XXXX and have had an account with them since before XXXX. I left them because they would charge so many overdraft fees and take money from me repeatedly that I didnt even have ( making my- {$20.00} to XXXX or even less sometimes. It made it very hard to bounce back from not having anything. Frequently, I would file a complaint get them to reverse it, but most of the time, they were denied.

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 2021-06-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On two different occasions I sent letters to Transunion about my inquiries. I have not received a response from Transunion. I have a copy of the certified letter card. I am a federal protected consumer and I know my rights. 15 usc 1681 m..

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