BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-19
Company: TRUIST FINANCIAL CORPORATION
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
For background context, I recently had a serious medical/dental issue and needed to pay for a very expensive dental procedure. 

On XX/XX/2023, I called Truist to ask about a payment deferral to take care of my immediate medical expenses. I was told by the rep that I qualified, as I was in excellent standing and had had the loan for over a year. She told me to expect an email from Truist with my deferral agreement no later than XXXX XXXX Monday, XX/XX/2023, and to call back if I didnt receive it. As of XXXX XXXX Monday XX/XX/2023, I hadnt received the email, so I called back. I asked if it could be sent to me while I was on the phone so that I could verify if I got it. I was told no. I said okay, to be honest, if I didnt get the first one Im not sure Ill get the second one anyway, as this is clearly an issue with their email server. I asked if there was an alternate way to get the document- via fax or postal service. I was again told no. I asked why I couldnt just receive it in the mail and was told it had to expire, which made no sense considering I was asking for a different method. The rep refused to tell me how long it would take to expire and what my next steps should be. 

I hung up and called back, getting a different rep. This one talked over me, talked down to me, and would not let me ask a question. He kept repeating something along the lines of maam are you going to work with me as a team? Just repeatedly saying that over and over and refusing to allow me to get a word in or ask my questions. He finally said he could mail it, but would I be willing to wait ten days? I asked for some clarification on the ten days - did that mean I would receive it within ten days or did that mean I had to wait ten days and then call back to resubmit my request? He refused to answer the question and kept asking his working as a team question. I dont need to work as a team for these people ; they already are a team, and their job as a team is to assist me, which they did not. 

I ended up ending the call and was so upset over the incident I began to cry. I was trying to do a very simple thing and asking basic questions, and instead of being helped I was being spoken to like a bad child. I called back a third time and got a different rep who finally agreed to mail me the agreement. 

However, later on that night I went online and realized I could file a request there. I did so, which also raised a red flag. If they had actually processed my request, why did it not say it was already pending and not allow me to submit a new one? Less than 12 hours after submitting it, I got the email from the automated system - the automated system responded to my request better and faster than actual human beings. That is a serious flaw with Truist Bank.

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 2020-12-29
Company: Netspend Corporation
State: NY
Product: Credit card or prepaid card
Sub-product: Payroll card
Issue: Advertising
Sub-issue: Confusing or misleading advertising about the card

Complaint:
I received a card in the mail from Netspend All Access by XXXX. I did not request this card and have no idea who this company is or why I received it. Their customer service lines wont let you speak with a person. Receiving this makes me worried I may have suffered identity theft. The card requests I activate it, and I could only succeed in opting out on their automated line. When I called their other customer service line, they ask for my social security number so I hung up. This is incredibly frustrating.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-12
Company: SCV Inc.
State: WV
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Tier One continually calls my mother 's phone number with a pre-recorded message directed at my ex-husband of 25 years. I 've spoken with several associates of this company in the past and explained we have no information/contact with him since the divorce and demanded they remove her number. They assured me each time her number would be removed from the call list. This has been going on for the better part of a year. 

Just this evening, we got another call at XXXX hours again from a caller I.D . of XXXX, WV and a phone number XXXX XXXX XXXX XXXX. Knowing who it was, I punched ZERO for the operator as soon as the pre-recorded message ( with my ex-husband 's name ) launched at which time a XXXX XXXX picked up the line and I went through my script all over again. He assured me XXXX as others have done in the past ) he would remove my mom 's number from the list. I let him know I was taking names, notes and logging calls and was prepared to file a formal complaint.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10
Company: Experian Information Solutions Inc.
State: VA
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 kindly urge you to remove this inaccurate account from my credit report, as it does not belong to me and I did not provide authorization for its existence. I have taken the liberty of providing you with the necessary documents to substantiate my claim.

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 2022-08-10
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Submitted complaint a few weeks ago regarding my account being blocked and my money frozen by Truist. Complaint ID XXXX. I received an email stating I could contact XXXX XXXX for assistance during the so-called investigation. However, I've been calling her for weeks and she has not called me back. I called her because I can't understand what she is " investigating '' so long. As aforementioned, I called Truist because I was concerned about someone trying to withdraw money from my account. The fraud department suggested that I put a block on the account. I told him that I wouldn't be able to go to a branch, so I'd need to close that account and transfer my funds to a different account. He told me that I wouldn't have to go to a branch, that he would transfer me to a representative who would close that account and transfer my money to the new account. After the transfer, the rep told me that my account was blocked from withdraw and only the fraud department could unblock it. She told me that I wouldn't be able to close it or access the funds. As such, she transferred me back to the fraud department and I spent hours on the phone without getting any help. I have bills to pay and Truist has blocked me from accessing my funds for over a month. This is unacceptable and illegal. So there's really nothing to investigate and certainly nothing that would take more than a few hours to resolve. But Truist has allowed this rep to sit on my complaint for over a month, while I need my money to pay my bills. This is unacceptable. This beeds to be investigated. This is a habit.

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 2022-12-19
Company: Incomm Holdings Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I was given a visa gift card at a company party with a denomination of {$100.00}. I had the card for about two days before I even unsealed the package and removed the card. I tried to use it online but it was declined. I called the 800 number on the back and after waiting about 40 minutes online was connected to a person who could barely speak English. Their accent was so heavy I could barely understand them. This call took about 30 minutes. I was told that the card has been used twice at target for transactions of {$50.00} exactly each at XXXX XXXX  two days before I actually received the card. I was told that I had to file a dispute. Then I was asked for a whole bunch of personal information such as my full name, address, phone number, and email address and date of birth. When I even suggested that it was inappropriate for them to ask for all this personal information the person threatened to disconnect the call because I was refusing to cooperate. I was told I was going to receive an email containing a form that I was to fill out and send back to???? company ( the rep refused to tell me the name of the company that issued the card ). I only found that information by doing a bunch of research online. I was told that along with the form I would have to submit a copy of my drivers license front and back. As of yet, I have not received an email. I feel that this is really some kind of scam. It's real convenient that the card was used for {$50.00} transactions two days before I received it. The company 's website that is printed on the back of the card looks very suspicious. The calls are routed to overseas call centers. I don't feel that I should have to provide this personal information and copy of my own personal documents to this very suspicious company just to get the funds that my friend paid for. The bottom line is this company is trying to rip us off.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-06
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: Old information reappears or never goes away

Complaint:
XXXX XXXX is been reporting on my credit since XX/XX/XXXX. Its been almost 7 years and still reports with the new collection that buys the debt on my credit and this is affecting me and my children since this collection has me unable to buy a house to provide for my chcildren. 

It reports to the three major bureau credit and I need this to be deleted.

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 2018-07-06
Company: Key 2 Recovery, Inc.
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have an outstanding debt to XXXX University. The last information I received from XXXX University is that I owed approximately XXXX for a debt for courses that I took at the university. I called Key Recovery and asked about the debt in XX/XX/2017. I was told I owed XXXX. I asked why was there a difference between what I owed XXXX and the amount that I was quoted. I was not given a response and I was not sent a written copy of the bill that included the extra charges and what they were for.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29
Company: CBC Companies, Inc.
State: NV
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: Problem getting your free annual credit report

Complaint:
In XXXX of this year I was attempting to buy a XXXX XXXX. I had asked the dealership to not run my credit because I already had a bank that I wanted to use for the loan. However, even though I did not authorize it, the dealership ran my credit anyway. I ended up finding out several weeks later when I received some letters in the mail telling me I was not approved for the loan. I was extremely confused because I knew I had not authorized these inquiries but also because the notices told me that I had a very high credit score. In fact, I had an XXXX credit score! Needless to say, I should not have been denied this auto loan but I didn't have the time to go back and forth with the dealership about it at that time. A few months later I decided to look into this issue and requested my credit reports but I have not received my reports from XXXX and XXXX XXXX XXXX even though I have ordered them at least 3 times since XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-18
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:
XXXX XXXX XXXX is reporting a loan that was paid in full by XXXX XXXX XXXX XXXX XXXX as I did A refinance on vehicle. Yet XXXX is still reporting the account open and recently reported account late even though account is CLOSED but its not reporting as CLOSED paid in full with the XXXX credit reporting agencies. XXXX is falsely reporting inaccurate information on this account which is negatively impacting 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 2020-12-29
Company: Advanced Resolution Services Inc.
State: NV
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: Problem getting your free annual credit report

Complaint:
In XXXX of this year I was attempting to buy a XXXX XXXX. I had asked the dealership to not run my credit because I already had a bank that I wanted to use for the loan. However, even though I did not authorize it, the dealership ran my credit anyway. I ended up finding out several weeks later when I received some letters in the mail telling me I was not approved for the loan. I was extremely confused because I knew I had not authorized these inquiries but also because the notices told me that I had a very high credit score. In fact, I had an XXXX credit score! Needless to say, I should not have been denied this auto loan but I didn't have the time to go back and forth with the dealership about it at that time. A few months later I decided to look into this issue and requested my credit reports but I have not received my reports from XXXX and Advanced Resolution Services even though I have ordered them at least 3 times since XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My card was stolen, and I believe this person who stole it saw me put my card passcode into a machine. Once he or she stole my card and information they processed a fraudulent check, made multiple transactions and withdraws with my card. They went to different Chase banks and withdrew {$23000.00}. Chase refused to be liable and ignored my complaints. I was out of town and had no idea this was happening. Chase called me after the first transaction and I reported that my card was lost/stolen and they hesitated to lock and freeze my account, with it being my understanding that it was locked.

I submitted multiple police reports and claims that these withdraws were not me nor authorized. This person deposited a fraudulent check not signed by me and I have never seen before and started making withdraws. I had no idea this was happening until I logged into my account.

Chase is simply liable because these withdraws were made at a Chase Branch and they did not ask for any proof of it being me. They didnt have my ID therefore they did not verify if it was me. Chase just gave my money away and is blaming me for not having a more secure pin. When In retrospect if you go to the bank annd is withdrawing thousands of dollars which is clearly abnormal for me being that I have no history of Doing that on my account.they should have seen and verified that it was not me. They should not have been able to take my Money out and deposit a check. Chase did not verity it was me at anytime. Even after I submitted a request to lock my card. After multiple complaints they did not update me in any way of the claims being investigated or how, and they also kept hanging up in my face, and lied to me about temporary credit until the investigation was over.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/22 my check for {$11000.00} cleared my bank and the funds were withdrawn from my account. On XX/XX/22 my Capitol One Silver account was credited for {$11000.00}. However I was told that I would not have access to those funds until XX/XX/22 because they were afraid I may reverse it or something along those lines. I normally pay between {$2000.00} and {$2500.00} per month, but it's the end of the year and I wanted to get caught up. 

I asked they to show me in my agreement where it covered the holding of my funds and they couldn't. They just say they do that when they think the payment is out of the " ordinary ''. 

I doubt whether they are putting the funds into an escroll account, so it would be interesting to see what they are doing with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19
Company: ALLY FINANCIAL INC.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
on XX/XX/2021 I went to dealership to purchase a car they pressure me to buy multiple cars even though i came in for one. They kept pulling my credit and got alot of approval for banks and insisted that i use up all the approval and pressured me into keep buying more cars. I told them they violated my rights by constantly pulling my credit without permissions and racking up all these approvals resulting with XXXX inquires on my credit report. I sent a letter through certified mail to get a debt validation and sent a notice of recession. The letters delivered and i never got a response or remedy

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 2018-05-16
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
I went to my bank, Citizens Bank of Friday XX/XX/2018 at XXXX to send an international wire. The employee filled out the wire form and I specifically stated I wanted to wire {$4800.00} US. She completed the form and I left with a signed photocopy. The next morn ing, Saturday, I woke up and checked my accept and realized that over {$5100.00} was a withdrawn from my account and not the {$4800.00}. I immediately went to the bank and they said there was nothing that could be done until Monday. I went to the brach on Monday as soon as it opened and the person said there was nothing she could do so I said recall the wire. I called the recipient of the wire and he said he had not received anything. So I told the employee to immediately recall the wire ad refund me all the money that was removed from my account. The employee said she would and to come back in a few days. I checked my account the next day and still no refund. Went back to the bank and the employee saids she was working on it. I checked my account every day and kept going back to the branch for a period of two weeks. Finally, I noticed the branch had a new manager and I asked him to investigate. He produced to me his copy of the wire paperwork which has cross outs and changes and bore no resemblance to my copy. I also told the manager that the employee had been watching my account, refused me the wire fee and had refunded three overdraft fees I was charged because she sent too much money and made my account overdrawn. The manager said there was nothing he could do and my money was gone. I then called the main number for Citizens and spoke to someone in the wire department and sent them copies of my original paperwork and the bank 's altered forms. She called me back and said they contacted the employee and first branch manager and they said I orally told them to change the amount. This is a lie. I said to the person working in the wire department, if I told them to change the amount, how come there s no paperwork with my signature authorizing the change and why would these two people be refunding me fees since the overdraft would have been my fault and not theirs? It has now been over three weeks and I just called Citizens again. told them the recipient of the wire finally rec lived the money and is willing to return it but does not want to incur any fees. I told Citizens to get the money and pay me back my money as I do not want any fees either. Citizens told me they can not help. I am VERY UPSET. Can you help me please.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-10
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
i have received my credit reports today and worried to see that so many negative accounts are reporting on my credit report. I tried to contact XXXX, Experian and XXXX through disputes to investigate my disputed accounts which are wrongly reporting on my credit report but they did not investigated well, neither they send me back investigation results. i am requesting through your portal to please forward my disputes to them as ask them to start their investigation

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-07
Company: Cohen & Associates
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
Called my sister about a debt I owed ( which is non-existent without any previous communication to me in letter form or phone call ). They threatened criminal action and directed her to have my attorney contact her. I would like to have legal action pursued against them as this is unexcusable. They claimed she was a close contact, but she was not, I have not taken out any XXXX loan in a long time and have not listen her as a contact on any of them. This call happened today ( XXXX around XXXX XXXX ).

Company response to consumer: Untimely response