BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-14
Company: Chime Financial Inc
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I had a savings account with Chime with {$60000.00} in it. Chime said they were giving 1 % interest and that is why I opened the account. This was the first scam. They quickly cut their rate in half. Because I was not receiving the interest rate that I expected, I started transferring funds out of the account. Because I tried to transfer funds to my XXXX savings account, they closed my Chime account. My account has been suspended for a week and I have not had access to the money. I call them every single day. They tell me it will only be another day or two. I spoke to a supervisor named XXXX who promised I would have the account open either yesterday or today. I had to call again and I spoke with a supervisor named XXXX who was very rude. She told me that my account was closed. She would not tell me why. She would not let me update my address. She told me that in 30 days a check will be sent to an old address that I dont live at anymore. I need this money ASAP. This is my savings.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-08
Company: Experian Information Solutions 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. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX Account Nunber  XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX  Account Nunber XXXX XXXX XXXX XXXX XXXX XXXX Account Number 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 2022-08-11
Company: Experian Information Solutions Inc.
State: NV
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, 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, states, a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1666B : A 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 2023-11-08
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
my billing statement goes from the XXXX to the XXXX of next month, so what im saying is that synchrony bank computer has a glitch to it! lets say my XX/XX/XXXX through XX/XX/XXXX statement is due by XX/XX/XXXX, now if i pay my statement in full on XX/XX/XXXX, and i want to put money towards my next statement say on XX/XX/XXXX their computer sends that payment to the XX/XX/XXXX statement even though that statement is at {$0.00}, and then i pay the XXXX down to XXXX their computer doesn't realize that the payment made on the XXXX went to the wrong statement and it doesn, t know to put that payment to the next statement and by the time they figure it out they have charged me an interest charge when my statement are always paid in full!!! and how long has this been happening over the last 20 years that i have had that credit card??? and its a paypal credit card but the bank they use is syhchrony bank... plz help for i have called them and they won't take the charges off!! and again my statements are always paid in full by the due date! and XXXX statement they charged me {$60.00}, and XXXX statement they charged me {$64.00}, and then i can't get my other statements because the computer says try again 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 2023-04-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My fianc transferred money via XXXX on XX/XX/07 as he does every Friday for the last 4 years to pay bills sometimes for the same amount of larger. The money is always transfer within minutes. 

He received an email that the money was received and I also received a text message as I always do. 

However, when I check the money was not on my account. I contacted Bank of America and they said that theres a delayed for some reason and it could take up to 5 business days. They couldnt tell me the reason.

I contacted XXXX  and they said that the only reason why a transaction would be pending is if a the beneficiary was not subscribed or is a new users. As mentioned we have been using this service for years. 

I called BoA and they said that there was nothing that they can do and I just needed to wait and use my savings in the meantime. 

Please help! I need to pay my bills

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 2022-08-23
Company: Dovenmuehle Mortgage, Inc.
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
1. My realtor/escrow officer is having trouble getting the payoff quote. 

2. The mortgage servicer sent my account to their law firm AGAIN, and I AGAIN got a pre-foreclosure letter from them, EVEN THOUGH the XXXX XXXXXXXX Assistance fund PAID OFF MY ENTIRE DEBT UP TO XX/XX/XXXX on XX/XX/XXXX VIA WIRE. 

XXXX was paid approx {$8100.00} to cover what I owed them. 

I am supposed to close on selling this house XX/XX/XXXX, and these issues are jeopardizing the sale of this property. I need assistance ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a XXXX party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the XXXX and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-07-05
Company: Nelnet, Inc.
State: HI
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
My private student loan account is with Firstmark. I have been paying on this account for over 10 years. In XXXX, the active-duty military rate was applied to the account ensuring that the interest rate did not exceed 6 %. With regular payments being made on the account, the total balance has increased instead of decreasing. Sometimes, I do pay the account earlier than the due date which is reflected in the transaction history. On XX/XX/XXXX, I emailed the company regarding concerns with the account. From XX/XX/XXXX to date, the total balance on the account has fluctuated from {$100000.00} to {$100000.00}. From XX/XX/XXXX to date, the max amount of {$8.00} from my monthly payment was applied to the principal. As annotated in the transaction history, before XX/XX/XXXX, the minimum amount applied to the account was {$240.00}. The payment allocation was changed without my authorization. I contacted the company multiple times regarding the payment allocation. I requested that more of my payment go back to being applied to the principal and they have refused. There is nothing listed in the policy or promissory note stating the account holder could not request this. Additionally, a glitch in the Firstmark system indicated that I overpaid my account. I requested a refund of my payment at the time. After the system was properly updated, it reflected that the account was not overpaid. I sent the payment and ensured the account was paid. The representative stated that there would be notes in the account. The company failed to amortize my account from XX/XX/XXXX to XX/XX/XXXX. Due to their failure, I now have to pay a higher monthly payment. My monthly payment increased from {$540.00} to {$700.00} starting in XXXX. On XX/XX/XXXX, the company informed me that they failed to amortize the account via email correspondence and via phone calls. The representative explained more in-depth via phone call. Additionally, annotated in the payment history, the payments made on XX/XX/XXXX and XX/XX/XXXX were not applied to the principal or interest for the loan. Based on the payment transaction, a total of {$20000.00} in interest was calculated for the loan that I am seeking clarification on as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10
Company: Westlake Services, LLC
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I hope this letter finds you well. I am writing in response to your communication through CFPB, which detailed the permissible purpose for the credit inquiry on XX/XX/2022, XX/XX/2022, and XX/XX/, associated with my name, XXXX XXXX. 

After careful review of your response, I must express my continued concern and disagreement with your assertion that the credit inquiry was based on permissible purpose under 15 USC 1681b ( a ) ( 3 ) ( A ). I would like to reiterate that, to the best of my knowledge, I never authorized nor gave written consent for Westlake Financial Services to access my credit report.

In response to your claim of permissible purpose, I formally request documented proof that I provided such authorization. Specifically, I am requesting documents bearing my wet signature, unequivocally indicating my agreement to grant permission for the review of my credit file.

The unauthorized inquiries made into my credit history are adversely affecting my creditworthiness and causing significant concerns about the accuracy of my credit report. I want to emphasize that I have had no communication with Westlake Financial Services, rendering it impossible for me to have given consent for the retrieval of my credit 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 2023-04-08
Company: Experian Information Solutions Inc.
State: UT
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:
Home loan for XXXX XXXX XXXX, XXXX XXXX, XXXX Florida is still showing as open and active even though we sold the property in XXXX of 2022

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 2021-03-12
Company: Mr. Cooper Group Inc.
State: NH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Our mortgage loan was recently transferred to Mr. Cooper in XXXX. This mortgage has no escrows for either taxes or homeowners insurance. All the statements I have from Mr. Cooper also state there is no escrows associated with my account. I paid my quarterly homeowners insurance on XX/XX/2021 to my insurance company. On Saturday XX/XX/XXXX I received a refund check from my homeowners insurance company stating it was an overpayment. I called to find out what they were talking about and found out that Mr. Cooper ( Nationstar ) had paid the policy in full ( {$860.00} ). 
I then reached out to Mr. Cooper today to find out why and where the money came from since I do not escrow for any insurance. After 1 1/2 hours on the phone with five different people, I have no explanation of why it was paid. 
One person says they got a bill, ( my insurance company told me they did not send them a bill. they were sent an insurance binder for proof that we had homeowners insurance ). Another person claimed they paid it because they require it to be paid in full. I told them I pay quarterly not in full. I was told I can not pay it quarterly, it must be paid in full ). If this mortgage as no escrows how do they dictate how it is paid? they also announced that my payment is going up in XXXX by {$200.00} per month due to factoring in this " escrow ''. From the reviews on their page, it sounds like they do this to alot of people. 
I have had no communication from Mr. Cooper regarding this loan, other than the usual typical communication when it was transferred to them in XXXX. I was told then that the same terms and conditions of the loan were still in force and nothing changed other than who I paid my payment to.. They can not explain how an escrow account was attached to my account or why no one contacted me about this payment being made on my behalf. If I hadn't made the call, I also wouldn't know about the increase in XXXX, which I will not be paying. I want them to ask the insurance company for a refund so I can go back to paying the bill as I always have. I have spoken to the insurance company and they told that is what needs to happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-12
Company: Kikoff Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I received the email from the company concurring with what I am saying about the account and I receive the email from XXXX XXXX concurring what Im saying that my accusations are accurate. And I.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10
Company: First Credit Services Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Debt collection has been calling me continuously 2 times a day for the past couple of months even though informed them not to contact me. Because I didnt answer they proceeded to report the debt to my credit that was already there since XXXX. Now I have two different collection agencies on my credit trying to collect the same debt. One collection debt was opened on XX/XX/XXXX and the other was opened on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10
Company: U.S. BANCORP
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I did not get the 4 % bonus cash back for my spend at restaurants because the restaurant used a different code other than a restaurant. This is for my US Bank XXXX XXXX credit card. I ate at an expensive XXXX XXXX XXXX restaurant and other expensive restaurants on my vacation and used this credit card, but because the vendors had a different categorization, US Bank would not provide me the bonus points even though those vendors are undoubtedly restaurants. I called the customer service line and asked if they could still give me the points but I was 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 non-monetary relief
Consumer complaint received 2023-05-01
Company: Experian Information Solutions Inc.
State: GA
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 have already sent a method of verification to the credit Bureaus asking them to verify the debt. They have already said that these items were verified correctly. My credit report Are still showing inaccuracies.

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

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 2023-11-11
Company: Block, Inc.
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I ordered a replacement Cash Card from Cash App due to my current Cash Card being damaged. When I received my new Cash Card, I activated it and was able to add it to XXXX XXXX, but every attempted transaction I made with XXXX XXXX was declined. I contacted Cash App about this and they said to contact XXXX, who said that the Cash Card was not working due to Cash App not having activated the replacement Cash Card. I had activated the replacement XXXX XXXX when I received it, but apparently it was not showing as activated on Cash Apps end. So I contacted Cash App once again so that they could activate my Cash Card correctly, and they declined to do so and said that they were unable to allow my Cash Card to be used with XXXX XXXX  for security reasons. So I ordered a new replacement Cash Card hoping that this would resolve the issue, but now I can not use my Cash Card at all due to the new replacement Cash Card also being declined at every instance. My Cash Card is my only method of payment, meaning that I am unable to pay for any basic necessities because of an error by Cash App.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-25
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
charge with promotion made in XXXX. charge made in XXXX different payment structure. 
I utilize the mobile app to pay which only shows 1 balance. App does not alert you that if you have multiple transactions with multiple pay structures, you must CALL the company to allocate your payment to the different balances ( that again are not displayed separately but as one balance ). Payments have been made monthly based on minimum payment however payment ( unknown to me until now ) is then divided between the different transactions resulting in the transaction with the promotional interest deferment to not be " paid '' by the promotional expiration date. In addition, all of the interest has now been added to the balance so that now when I pay my monthly bill over the minimum ( thinking I'm paying down by balance a bit quicker ) I am not as my " extra '' payment amount is barely covering interest that continues to accrue on the other transaction. This is completely confusing and unfair to customers who pay diligently. It seems deceiving and not having this information available on the mobile application ( with the rationale that it can be seen on the website ) is counter to reasoning of mobile pay. I was also told that I could set up alerts in the future for any other promotional balances and when I asked for assistance on where to find that on the mobile app, I was again told I had to do it on the website! They offered to allow me to pay the balance of the one transaction today, but I would also have to pay the minimum for the other transaction totaling almost XXXX! This is not helpful at all.

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 2023-11-09
Company: AMERICAN EXPRESS COMPANY
State: TX
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:
XX/XX/2023 charge to my AmEx credit card for {$30.00} labeled as XXXX XXXX XXXX XXXX XXXX XXXX '' with a same day reverse of the charge for the exact amount labeled as " XXXX XXXX XXXX XXXX ''. The description is nonsensical and most any layperson not in the finance industry would not have a clue what that is. I requested an explanation but really didn't get one other than it was an internal error and they corrected it. That's fine, but why was I not proactively informed? What is the root cause of this error? What my credit card info compromised in any way due to AmEx 's error? What is being done to fix it? Was it a human error? Was it a tech error? Again, what is the root cause and why was my credit card affected, and why was I not notified? AmEx had no explanation for this- just repeating back " they fixed it ''. Was this mysterious charge for {$30.00} from another person 's credit card charge? How and why did this {$30.00} come about?

Company response to consumer: Closed with explanation