BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-30
Company: SYNCHRONY FINANCIAL
State: MS
Product: Credit card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I applied for a credit card with TJX ( TJMaxx/Homegoods/etc ) on or about XXXX XXXX XXXX, online. The solicitation at the application offered me a 10 % off coupon to use on my first purchase. This is the reason I applied for the card, and with intent of making a large purchase at Home Goods in the coming days with the card. 

The card arrived XXXX  and I have activated it. The store did not, however, provide a 10 % off coupon to me with the delivery of the card. I've checked a total of 4 emails they sent about my approval and card shipping from both TJX and Synchrony Bank and do not find a coupon in any of these communications. I've synced my card with the Home Goods app and also do not find a coupon or reward their for 10 % off either. 

I called customer service for TJX and explained that I applied online and have not received a coupon. Her advice was that I should sign up for paperless billing and that will earn me 10 % coupon. That was not part of the solicitation. She texted me a link to the online site where she says I will receive a 10 % off coupon for signing up for paperless billing. I don't want to sign up for paperless billing. 

Promotions offered in the course of soliciting credit should be honored, and access to it should not require strenuous effort from the consumer to obtain. The absence to deliver the promotion to the customer either via email or with the credit card for online applicants is inconspicuous and exactly what XXXX seeks to regulate in consumer credit marketing. 

Perhaps TJX should include the coupons in the email or mail communications to the customer, cease accepting online applications for credit, or cease offering 10 % off the first purchase to online credit applicants, as they no longer particpate in e-commerce of goods for sale 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 explanation
Consumer complaint received 2023-11-30
Company: Experian Information Solutions Inc.
State: FL
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:
Dear Experian, Please delete this misleading information, and supply a corrected credit profile to all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes.The listed item is completely inaccurate and incomplete, and is a very serious error in reporting. 
Please be advised that this is my THIRD WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct.

You have NOT provided me a copy of ANY original documentation required under : Section 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

I demand the following accounts be verified or deleted immediately. 
XXXX - XXXX - Under 15 US Code 1681b permissible purposes of consumer reports- You are reporting this late during to COVID19 Pandemic. Please update to never late. 
XXXX XXXX - XXXX - Under 15 US Code 1681b permissible purposes of consumer reports- Please update to never late! 
XXXX XXXX - XXXX - Under 15 US Code 1681b permissible purposes of consumer reports- Please update to never late! 
XXXX - XXXX - Under 15 US Code 1681b permissible purposes of consumer reports- Please delete immediately! 
Incorrect Name - XXXX XXXX - This is wrong and needs to be removed immediately! 
Incorrect Address - XXXX XXXX XXXX XXXX XXXX XXXX, FL, XXXX- This is wrong and needs to be removed immediately! 
Incorrect Address - XXXX XXXX XXXX XXXX, XXXX XXXX, FL, XXXX- This is wrong and needs to be removed immediately! 
P.S - Please remove all non-account holding inquiries over 30 days old. 
P.S - Please add a Promotional Suppression to my credit file. 
P.S - Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. 
With Regards, 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 2023-11-29
Company: Experian Information Solutions Inc.
State: TX
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 never had an account with 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 2023-11-29
Company: Experian Information Solutions Inc.
State: IL
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 strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

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 2023-11-29
Company: Experian Information Solutions Inc.
State: MD
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:
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. 

Account name : 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 XXXX has violated my rights, under law 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the 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 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 non-monetary relief
Consumer complaint received 2023-11-29
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting 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. 

Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the 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 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 2024-01-11
Company: CITIBANK, N.A.
State: OH
Product: Credit card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
in XXXX of XXXX  i recieved a notice of a collection account with a balance of {$440.00} of principal, {$98.00} in interest and {$260.00} in fees for a total of {$800.00} was sold to XXXX  XXXX XXXX XXXX. on XXXX connected to my name and information that is not mine. i disputed this with the debt collector as per the instructions on the letter stating the transaction is no longer owned by citibank.

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 2024-01-12
Company: Netspend Corporation
State: CA
Product: Prepaid card
Sub-product: Payroll card
Issue: Unexpected or other fees

Complaint:
On XX/XX/2023 there were XXXX unauthorized withdrawals from my Netspend Skylight One account totaling {$920.00}. There were XXXX withdrawals for {$400.00}. each and a third for {$120.00}. While running errands in my neighborhood, I stopped at XXXX XXXX to purchase soil and other misc. gardening items needed at home. At checkout my transaction was declined due to insufficient funds, I tried again and again my transaction was declined. I stepped aside to check my account to confirm I did in fact have money in my account and instead saw there had just been XXXX withdrawals made at the local XXXX located down the street from the XXXX XXXX I was at. Upon noticing these transactions I immediately left XXXX XXXX and drove over to the XXXX, I spoke to the staff there and the information they were able to help with was a video showing the customers processing transactions at the ATM Machine located inside their store during the time my account was illegally accessed, which they agreed to release once a police report was filed on my behalf. ( Please note : My bank card and pin were never lost or stolen. I had just tried using my bank card a few minutes before at the XXXX XXXX which was declined due to insufficient funds ) As discussed/agreed with the staff at the XXXX store, upon completing and filling a Police Report with my local police department I was able to obtain a copy of the video. 

I also contacted the bank Netspend skylight reported the fraudulent withdrawals to my account and requested an investigation along with information on how to request a provisional credit. A claim was promptly opened and the instructions on how to request the provisional credit were provided. The credit request was completed and submitted to the bank as instructed on XX/XX/2023 via email. 

On XX/XX/2023 an email confirming receipt of the claim and providing a claim number was received from the bank. 

XX/XX/2023 received an email from the bank stating no errors were found based on their investigation stating they were unable to determine an error occurred. Findings were based on records show the disputed activity occurred near regular areas of activity such as city where I live and shop. Also listed was " XXXX disputed are consistent with account activity '' " Records show that the PIN was not changed prior to the prior of unauthorized usage. Their investigation also concluded that an authorized person benefited from the transactions.

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 2024-01-12
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
US Bank stole my money. On XX/XX/2023, they placed a hold on my account without explanation or due cause. I was not informed of this by the bank until I attempted to pay for food, and my card was declined. I called customer service to be informed my account was placed on hold, but they were unsure why and who did it. The person that locked my account did not leave contact information, and instructed them not to remove the hold. 

Since then, it has been three months of being run around in a circle. Despite communicating with the home branch manager, as instructed, she often grew frustrated with me and told me theres nothing she could do and her hands are tied and that she didnt have the authority they claimed. Ive tried every angle : various departments, branch managers at multiple locations, and even attempted contacting the headquarters. Nothing! I have asked for a letter explaining why my account- over {$34000.00} - is on hold, but they refuse to give me any details. They claimed they wanted to verify my funds but I have more than proven it is meant for me. The branch manager smirked in my face and said, I dont think youre getting this money. They dont think its meant for you. How dare they!?? Ive never felt so profiled by a bank! Ive incurred late fees, and was almost evicted from my home! I take care of my mother and siblings, and Im my moms XXXX - I explained this to them, and they STILL refuse to give me my money! It has caused a great inconvenience in the lives of me and my family, which include a XXXX person and XXXX. 

Fast forward to XX/XX/2023, they closed both my business and personal accounts. Although the account in question was my personal, they took it upon themselves to lock my business account. They then transferred the $ XXXX from my business to my personal account, then transferred the total amount of $ XXXX to a private account ( which I have no access to, only them ) and closed both my accounts. Standard policy is to send me my money in the form of a cashiers check after account closure, but they are dodging all communication! It has now been about 60 days since my accounts have been closed ( three months since the initial hold ), and they refuse to send me my funds. I have provided all documentation and whatever necessary, and still nothing. Now, they refuse to return my calls, emails, and push me away when I visit a branch although they still have my money ( and refusing to return it to me! ) There has to be something that can be done! There is no way theyre able to just steal my money like that! No way!

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 2024-01-11
Company: CITIBANK, N.A.
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I lost my wallet on XX/XX/2023 ( end of XXXX ) ( police report filed ) which included XXXX credit cards and IDs, I contacted BestBuy which I have XXXX credit cards with immediately before the purchases to cancel the old card and give me a new card with new numbers, they did what I said and I got the new cards but fraudelent charges still happened even though I had new cards and new numbers. I even got a call from Best Buy fraud department about charges and asked if I approved of them and I told them NO! I've been calling for the past 2 months and I still have a balance and they told me their fraud department takes 2 months to investigate the charges, I have been making the minimum payments and was told I would receive the money back for the monthly payments and the fraud charges ( total balance ) would go away. I called again today and the women told me the fraud investigation finished a while ago ( for a different best buy card ) and she is going to add the charges of {$1600.00} ( fraud ) to the investigation but I thought it was already been investigated 2 months ago! I just figured out they have been lying to me about making the monthly payments and I find that Best Buy Credit Cards are all a scam since every phone call is outsourced and sketchy,

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 2024-01-18
Company: Prosper Marketplace, Inc.
State: FL
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Personal line of credit
Issue: Problem with the payoff process at the end of the loan

Complaint:
Personal loan agreement of XXXX dollars which they refused to give and only sent XXXX of XXXX and refused to send. They used my personal info to place my account into negative balance and refused to discuss other further options to resolve the amount owed. They used my information to file a bank claim and then placed my account. They refused to allow me the ability to speak with my personal loan officer.

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 2024-01-18
Company: WELLS FARGO & COMPANY
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other service problem

Complaint:
I am an XXXX citizen and live in XXXX. I worked for an American company ( XXXX XXXX ) and have received a pension from them since XXXX. The payments were made by XXXX XXXX into my Wells Fargo account. In XXXX I was advised that I had to close the Wells Fargo account because I didn't have a residential address in the USA. The balance ( US {$1600.00} ) was sent to me in the form of a XXXX, dated XXXX XX/XX/XXXX and the account was closed. There is no bank in XXXX that will cash a foreign XXXX  so I have not been able to access these funds. With the help of my daughter we called Wells Fargo, however no-one was prepared to help us. They said that since they had sent the XXXX  and closed the account, from their point of view the matter was finalised. We asked if we could post the XXXX  back and have the funds sent by wire transfer instead but the answer was no. My daughter travelled to the US in XX/XX/XXXX and visited a Wells Fargo branch with my passport, the XXXX  and a letter of authorisation from me. They refused to assist her stating that I had to be present for the XXXX  to be cashed. I find all this extraordinary as this is MY money, not the bank 's. I am XXXX and could really use the funds. I would appreciate anything you can do to resolve this matter. 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 2024-01-18
Company: TRUIST FINANCIAL CORPORATION
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Payment process

Complaint:
We - XXXX XXXX and XXXX XXXX- have XXXX mortgages with Truist bank, XXXX and XXXX. We pay our monthly p & i on time each month, generally on the first day of the month due or in some cases the last day of the prior month. Beginning a week ago, I started receiving emails from Truist on a daily basis, and then every few hours claiming our XXXX mortgage payments had not been received. Despite this, the Truist online app reflected that the payments for XXXX were paid on XX/XX/2023, three days early. Now, on XX/XX/XXXX, my accounts reflect that they are in arrears and we have been charged penalty fees. This is simply incorrect and reflects a fraudulent attempt to collect duplicate mortgage payments. I would like the records of my accounts corrected, my accounts placed in good standing, the penalty fees reversed, and the credit agencies notified of Truist 's error. 

( Please note that my CFPB account includes my late mother 's name from a complaint filed several years ago. She, deceased, is not related to this new matter. )

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 2024-01-17
Company: WELLS FARGO & COMPANY
State: VA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
XXXX XXXX ( parent company XXXX ) and Wells Fargo partner on a co-branded XXXX XXXX XXXX and run separate websites, both of which have the ability to make autopay settings for credit card payments. I had setup my autopay on XXXX to make payment from a savings account that tends to hold higher cash balances. I did not know that Wells Fargo has a separate website and account on which you can also make autopay settings, and these settings apparently override the autopay settings on XXXX 

On XX/XX/2024, a payment of {$8800.00} was attempted from a different checking account which is only linked to my Wells Fargo account on their website, but not on XXXX XXXX website. As this is a checking account with lower cash balance, I had insufficient funds and the payment was blocked on XX/XX/2024. On the same day, I was hit with a {$180.00} interest charge because of the reversed payment, which was caused by XXXX and Wells Fargo systems ' inability to communicate with each other. 

I manually made payment to Wells Fargo out of a savings account which then successfully cleared my balance on XX/XX/2024. I called Wells Fargo to ask for help reversing this error given the issue with their/XXXX XXXX  systems, but they refuse to reverse the interest charge that was caused by their systems ' miscommunication.

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