BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-11
Company: Coinbase, Inc.
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
In Mid XXXX of this year I opened an account with Coinbase. Being new to their site I went through the steps of practicing a withdrawal from my vault to my wallet. The withdrawal was cancelled on XX/XX/22 and I have the emails showing the cancellation. Now Im trying to send to my wallet and it states a withdrawal is in progress but thats not the case. I have reached out to Coinbase through multiple occasions and followed their steps. After replying that did not fix the issue, they send me the same generic instructions which has yet to resolve the issue. Im not able to access my money in my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04
Company: AMERIS BANCORP
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other service problem

Complaint:
Initiated an external transfer from Ameris Bank to another personal account. 
Validated on Ameris ' Banks website FAQ that no fees are charged for external transfers. 
Money was successfully sent but then was charged a 3 dollar fee for the transfer. 
Called customer support and said they can't reverse the fee even though it says it on their website that there are no fees. 
Escalated to the supervisor who said they can do a 1 time courtesy reversal even though the website states no fees associated with transfers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09
Company: Opportunity Financial, LLC
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Good afternoon. I'm a credit counselor and am embarrassed and frustrated this is happening. I have two issues : 1. I have an XXXX credit card that is closed and I am paying down the balance. I am unable to get a monthly statement from XXXX because my cell phone is an older model and I get a message that I need a newer phone to use their mobile app. I called XXXX on XX/XX/2023 at XXXX and explained the proplem. I was told XXXX can't email me a statement for security reasons and they would send me my statement via US mail. It's exactly one mnoth later and I haven't received any mail from XXXX. I use the US Postal Service Informed Delivery service where I get an email from the US Postal service alerting me of any mail I will be receving from them inlcluding scanned images of the mail I will be getting in my mailbox so I know and have documentation that XXXX hasn't sent me my credit card statement via US mail. 
2. I have another phone I don't use but it's a more " modern '' phone and I was able to add the Oppfi mobile app to this phone hoping to get my credit card statement. However, when I try and login the login screen offers me two choices at the bottom of the phone screen : Apply Now and Sign In. I chose Sign In twice and XXXX instead processed two requests from me asking for an XXXX card. I have a photo as an example. I called XXXX on XX/XX/XXXX at XXXX and had a 22 minute conversation with XXXX XXXX this issue. The XXXX representative noted I had previously called on XX/XX/2023 and also acknowledged other XXXX customers called to complain about this issue of customers unwillingly appying for another credit card. This is a hard pull on my credit twice.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
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:
On XX/XX/10 XXXX XXXX XXXX XXXX XXXXXXXX XXXX charged me {$10000.00}. Services were never rendered and I caught them predatory charging me and charging incorrectly.

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 2023-08-11
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
US Bank has repeatedly placed temporary holds on my account that prevent online access to bill payment and transfer features. When I call to regain access I am told the hold is for my security and for only 48-hours and that my debit cards will still work. That does not help me transfer funds to make bill payments. When I ask that the issue be escalated and fixed now, I am told that it is very common and that I must wait to regain access.

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 2023-02-20
Company: EQUIFAX, INC.
State: NY
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 believe Im a victim of identity theft, because I have no clue about the account showing on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-26
Company: AMERICAN EXPRESS COMPANY
State: IL
Product: Credit card or prepaid 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:
Today, XX/XX/XXXX I tried to transfer XXXX American Express Membership Rewards points to Flying Blue, an official partner of American Express. This transfer would not go through and I received a fraud protection alert email from American Express. When I contacted American Express, as they requested in the email, I was told the transfer was " flagged '' and that my account was frozen. I was told that I would have to wait 6 to 8 weeks for my account freeze to be resolved and that there was not a person that I could speak with from that " department ''. That is unacceptable. 

I have 4 different American Express Gold business accounts and I personal American Express account. I have been an American Express customer since XX/XX/XXXX. I have over XXXX membership rewards points and I'm trying to use XXXX of them. Less than 10 %. I'm finally trying to use the awards points I've accumulated over the last 5 years to take my family to XXXX. My flights are on hold but XXXX XXXX won't hold them 6 to 8 weeks. 

American Express representatives ( I spoke with 3 ) claim there is no fraud department I can talk to about this issue. I offered to provide proof the points are transferring to my account but they claim there is no one to speak with. 

I feel that this is a dishonest business practice. You can't offer rewards points to your customers and then block them from using the points with an approved American Express partner.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
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:
On XX/XX/21 XXXX XXXX XXXX XXXX XXXX CA charged me {$820.00}. Services were never rendered and its fraudulent charging.

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: Experian Information Solutions Inc.
State: NJ
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. Pursuant to 18 USC 8. the list of account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681b 2 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 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. 

15U.S.C 1681c. ( a ) ( 5 ) Section State : no consumer reporting agency may make any consumer report containing any of the following items of information anu 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, 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 2023-02-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN
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:
I was scammed by an individual claiming to be with XXXX, saying that my account had been hacked and charged {$430.00}. When speaking with this individual and screen sharing with them, they authorized {$590.00} from my account and sent themselves the money through XXXX through my Capital One account. When opening the dispute directly with Capital One, they denied my claim, saying there was no proof of me not authorizing the purchase. Even though I had never authorized this big of a XXXX transaction in the history of having my account open, they claim no evidence of fraud, therefore I am out {$590.00} that I desperately need.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-26
Company: Experian Information Solutions Inc.
State: NJ
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: Investigation took more than 30 days

Complaint:
I have had a mortgage with XXXX XXXX XXXX since XXXX. The payment was linked to my XXXX XXXX XXXX checking account. I refinanced the mortgage in early XXXX. The payment ( approx. {$7600.00} ) was again linked to my XXXX XXXX XXXX  checking account. In XX/XX/XXXX, the escrow payment was approximately {$100.00} more than the estimated amount. As a result, the next monthly payment ( approx. {$7700.00} ) was slightly higher than the monthly mortgage payment set at the time of refinance ( approx. {$7600.00} ). Instead of informing me of the issue, XXXX XXXX XXXX stopped applying the automatic monthly payments to the mortgage resulting in late fees and the mortgage being reported as delinquent. Only when it turned 30 day delinquent, the bank decided to send me a letter. Immediately I called the bank and tried to address the issue. Realizing what had happened, they did reverse part of the late fees and applied the funds sitting in a suspense account to the mortgage to bring it current. For that to happen, I had to make a payment of approx. {$560.00}. They also mentioned that they will clear the issue with the credit reporting agencies. A few days later, I disputed the delinquent account after I saw a significant drop in my credit score ( one was more than XXXX points ). One of the agencies, Experian, reported that there would be no change as XXXX XXXX XXXX  stands by the information they passed to Experian. In this day and age, it's shocking that a Bank with whom I have been banking since XXXX would not bother to call/text/email its customer as the issue arose but would wait for the account to become delinquent to send a letter.

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 2023-03-07
Company: CCS Financial Services, Inc.
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I contacted the collection agency about a debt due to car insurance where they claim i owe of {$130.00} to them. I sent them a letter by certified mail on XXXX XXXX, XXXX and have not heard back from them regarding of debt.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
XXXX This is XXXX XXXX. After trying to apply for loan to take back my residence from XXXX endowments that lured and defrauded my husband to revers mortgage. I cald XXXX  they said dont even bother to apply. Then I complaint to you apparently they decided to take my application the after making me going through 10 days of paperworks even though I have told them I dont have credit score not a good one or a bad one they deny my application due to lack of credit score. Without declaring to me my XXXX $ saving is non interest baring. And now I am getting stupid add to play stock market with XXXX XXXX. What is going on in this place. I am loosing my home because you let XXXX solicit and defraud my husband. Triple tax us then Wells Fargo discriminate us. Then XXXX  my husband and inflict emotional and psychological pain accuse me threaten me refuse my government Id my poa and my passport. Cause us to close our account which caused us financial damages. Now XXXX  doing the same. What is with fraudulent and vicious cycle of abuse and fraud that you dont let me breakthrough I dont know who to turn to why dont you call XXXX endowment with XXXX in their piracy chest to leave me alone. They are at it again they over appraising my residence and trying to defraud me same as my late husband. 
From other front XXXX  deny me loan offering me bogus application to cover their XXXX  XXXX And making. I need some one to tell these thieves I am a woman and a widow trying to stay in my house. And I have to borrow 10 % rate from loan sharks to give to endowments that you bail out and defrauded us once now inflate the price on my residence to defraud me twice while chase and Wells Fargo that again you bail out. Can enjoy skimming my accounts. What is going on. I know they think they are untouchable.No one gives a XXXX about a young widow. But for respect and sake of female members of your family Someone help me i need access to finance stop skimming my account or try to steal my Property. I need national rate financing.

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 2021-08-12
Company: Debtsy Holdings, Inc.
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have never heard of this company Debtsy , Inc . but I am suppose to be owner of a card that I do not have last year 5 cards were open in my name using my phyical address instead of my mailing address the way I found out about these cards is I started getting bills for accounts not being paid I am XXXX years old I am trying to get out of debt not make debt but there were 7 attempts to acrue credit in my name and 5 cards were issued to someone and it is showing up on my credit report thats when I became aware of this I talked to someone for one of the cards but it seem like i am getting know where with this, one of the cards is to a XXXX XXXX for XXXX I would not even except a XXXX card or why would I need a XXXX  card please work on taking care of this issue I do pay my bills but I can not pay bills for someone else. I have never dealt with creditor.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I reviewed my consumer report and noticed late payments reporting for XXXX XXXX XXXX XXXX XXXX XXXX These are in violation of of the law and are inaccurate and I demand these accounts be deleted and permanently removed from my consumer report immediately. According to 15 USC 1681 ( 2 ) A ( I ) which states ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Also my right to privacy under 15 USC 6802 which states ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. and finally under 15 USC 1666b stating 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 2019-10-17
Company: TCF NATIONAL BANK
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
This is regarding a checking account I opened with XXXX XXXX in the beginning of XX/XX/2019. I opened the account online without any issue and paid the minimum deposit ( {$25.00} ) immediately. Over a month went by and I hadn't received my debit card in the mail so I contacted them only to fin out the account had been closed. While this struck me as strange, I didn't protest as their customer service and general apathy up to this point left me feeling content to sever the relationship. However, 2 unresolved issues arose from this : A ) They confirmed my account was closed on XX/XX/2019 yet did not return my balance I had from the minimum deposit I made and they still haven't nor have they expressed an intent to even though as I understand it they are legally obligated to do so. And B ) I happened to have requested my XXXX report at the time all this was happening and it seems TCF reported my account to XXXX as " closed for cause '' which is a serious thing to add to someones XXXX report, when I asked TCF about this they claimed they don't know anything about it nor how to fix it nor why this report was made. Keep in mind, I had NO ACTIVITY on this account other than opening it and giving them the deposit which they have thus far absconded with on TOP of damaging my XXXX report which consequently cause my checking account at another financial institution to be closed which incurred significant damages to my professional, personal, and financial well being. Again, ZERO transactions, no interaction with the account in any way yet they file this obviously fraudulent report at my expense, and withhold my remaining balance for no reason. I contacted customer service 8 times now via phone and email and they either pretend not to understand me and just yell over me, or claim there is nothing they can do. Please help. I very much appreciate your attention to this matter and am happy to provide further documentation of these events upon request. 

Regards

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14
Company: PNC Bank N.A.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
XXXX XXXX and XXXX XXXX Account # XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XX/XX/XXXX we were driving to XXXX  for family trip my husband asked me to search for PNC BANK on our way the XXXX  near was PNC bank at XXXX XXXX XXXX XXXX, XXXX, TX XXXX. We went to the drive thru ATM and he deposit the amount of {$1000.00} but we didn't received any notification on the deposit was in our account. I ran fast to inside of the bank and told them about the deposit and they told me because it was holiday weekend the company who in charge of taking money out the ATM will come between XX/XX/XXXX or XXXX. I did call the bank immediately and report them the situation. They provided me with a provisional credit of {$1000.00}. XX/XX/XXXX PNC took from my account the provisional credit of {$1000.00}. This the case number from PNC XXXX. I want to resolve this situation and end in good term with pnc bank.

Company response to consumer: Closed with monetary relief