BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-19
Company: AMERICAN EXPRESS COMPANY
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I signed up for an American Express platinum delta airlines card Card ending in XXXX. When I went to use the card I was repeatedly denied access to the Delta Airlines club. This is in contradiction to the terms of the card, which states that I am allowed to enter the club. I was also denied access to affiliate clubs in a number of international locations including most recently XXXX XXXX. The card also allows for baggage credit on Delta Airlines. Delta Airlines repeatedly did not allow for this credit. And American Express did not honor these credits. When I complained. I called to cancel the card and was told by the AMEX REP would be absolutely no penalty, and or no clawing back of The card also allows for baggage credit on Delta Airlines. Delta Airlines repeatedly did not allow for this credit. And American Express did not honor these credits. When I complained. I called to cancel the card and told there would be absolutely no penalty, and or no calling back of prior benefits. American Express then sent me an on-site email telling me they have the right to do this which is bogus. I would like the {$250.00} that I paid for the annual fee to be refunprior benefits. American Express then sent me an on-site email telling me they have the right to do. 
this which is bogus. I would like the {$250.00} that I paid for the annual fee to be refunded, and well as any benefits to be reinstated. 

I also signed up for an American Express platinum card to replace this card. American Express will not honor this refund I will cancel the NEW card, which costs $ XXXX. 

I was on hold for over 40 minutes XXXX  XXXX the CS rep how threaten to hang up on me until I asked for a supervisor. that a supervisor never came to the phone and DID NOT CALL ME BACK AFTER 48 HOURS

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NE
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 customer service

Complaint:
The primary cardholder of my Capital One Cabelas Visa Credit Card was changed to my father who cosigned for me to get the card and I am not able to administer the account. 

I discovered this when I ran into an issue with my Capital One Cabelas Visa Credit Card where I am not able to login to or even create an account to the online portal where I would go to view my balance and pay my bill. I called customer service on XX/XX/2018 and was told then that I am not the primary card holder on this account. 

I am the primary cardholder, and I should be the only card holder on this account so this should not be an issue. After about an hour on hold with the customer service team at Capital One, I was told that an issue had happened where my father ( who was a cosigner on the account - not a joint cardholder ) was converted to the primary cardholder before Capital One took over the Cabelas Visa card. I was told that other users were experiencing this problem and that they would look into it. 

Capital One never attempted to contact me back, so on XX/XX/2018 I called them back. I was greeted again as the secondary card holder and transferred to a manager. The manager tried to tell me that they attempted to contact me and that my voicemail was full. This is a false claim as I have received several voicemail messages within the last few months. The manager also told me that they had completed their investigation of my account and that the account is how it was received when it came from XXXX  XXXX XXXX. I was then told that there was nothing that they could do to help me. 

I need to be reinstated as the primary cardholder and my father needs to be removed from the account. Unfortunately, Capital One is unable to help me fix these issues with my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: Chime Financial Inc
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:
On XX/XX/XXXX  my wallet was stolen at a restaurant. As soon as I noticed, I logged into my Chime app to turn off transactions. Upon opening, I saw that my account had essentially been drained in two transactions ( one for {$1000.00} and second for {$300.00} ). I immediately turned off the card and reached out to customer support to report the fraudulent transactions. The agent took my report but said a dispute could not be done until the transactions settled. I called on XX/XX/XXXX to check on the status because I noticed the charges had settled and was told that they would commence investigation for dispute once it cleared on their end. I hung up at XXXXXXXX XXXX and less than 2 hours later received an email stating that the investigation was concluded and that my dispute had been declined as " no billing errors were found. '' Shocked that they would make such a big decision in less than 2 hours and leave me broke, I requested a copy of the investigation results, which they are required to provide under the law. Multiple days later they sent me an email with " investigation results '' and when I opened it saw that it was a single page document titled " intake form, '' and only had the information for my original dispute. This proves no investigation was conducted. I called to request further information and the agent told me that Chime has a policy of " automatically denying '' initial disputes and advised me to submit an appeal. I submitted the appeal and was denied a few hours later, again. I requested the results of their investigation, which they are required by law to provide, and again, many days later received that same single piece of paper just detailing my dispute. 

Multiple consumer laws have been broken by Chime in this process by not conducting a good faith investigation into the claims, not following through with their zero liability for fraudulent transactions policy and then refusing to or being unable to provide me with the results of their investigation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-17
Company: SYNCHRONY FINANCIAL
State: DC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/2022 I sent CareCredit/ Synchrony Bank a letter demanding them to verify an alleged debt on a open-end consumer credit plan account that I opened on XX/XX/2022. They received my letter on XX/XX/2022. I received a billing statement from CareCredit/ Synchrony Bank showing a new balance of {$1900.00} they are alleging I owe them for the extension of credit I'd used. Pursuant to 15 usc 1692g ( b of the Fair Debt Collection Practices Act ( FDCPA ), once a consumer request verification of an alleged debt, the creditor is required to cease all collection activities of the disputed amounts. CareCredit may have billed me after received my certified letter, which would be a violation of this statute. As a result of receiving the billing statement, I'm sending them a cease and desist notice pursuant to 15 usc 1692c ( c ) of the FDCPA. In the notice I'm also notifying them of a billing error in the amount of {$1900.00}. Pursuant to the Truth in Lending Act ( TILA ) 15 USC 1666 ( b ) ( 4 ), CareCredit failed to properly reflect on the statement a credit issued to me, and instead tried to deceive me into believing I owe a debt on my own extension of 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 2022-04-06
Company: EQUIFAX, INC.
State: CA
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: Was not notified of investigation status or results

Complaint:
I have submitted too many complaints with CFPB regarding my issues with XXXX. Incorrect information still appears on my credit report. On XX/XX/XXXX, my information was put on the dark web. XXXX then locked me out of my account and stated I needed to pay {$19.00} a month to access my account to get the details about the fraud.I continue to have a problem with XXXX investigations into existing ongoing problems. My information is sold to third parties - continuous improper use of my report, shared my information without my consent, receive inquiries from unknown sources. Currently, I am unable to gain access to a credit report or credit score. I currently do have a problem with fraud and the identity theft protection service XXXX XXXX is suppose to have came with {$1.00} XXXX in Identity Theft Insurance - my information was sold to the dark web and XXXX did nothing. My phone number was sold to the dark web and XXXX did nothing. My email address was sold to the dark web and XXXX did nothing. I just got an email stating new address associated with SSN - can't respond to the alert as I can't access the account to find out what is going on.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03
Company: NAVY FEDERAL CREDIT UNION
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
In XX/XX/XXXX I co-signed with my granddaughter for a new XXXX which we financed through XXXX XXXX. On XX/XX/XXXX my granddaughter refinanced the vehicle with Navy Federal Credit removing me as a co-signer. 
The account at XXXX was never paid off. I have a copy of the check from XX/XX/XXXX which the check was made out to XXXX and my granddaughter. This caused me to have a late fee and a 30 day late on my credit as I was not notified of this not paid as I assumed when she refinanced that it was paid off. 
I found out about this when I received a call on XX/XX/XXXX at night telling me that the account with XXXX was delinquent and I paid them in the amount of {$560.00}. I told them it was refinanced and XXXX signed for the documents but XXXX does not know who that was. They finally said they received the check on the XXXX and it cleared on the XXXX. I have been trying to get proof of the loan being paid off but they said they could only mail. 
This is a big issue as I am elderly and on a fixed income. I have never paid an account late and now i have lates on my credit and I am in the middle of purchasing a home which we have had to delay closing due to this and I am going to be homeless if this is not taken care of as well as it is affecting my credit score which could affect my rate. This is so upsetting as because they didn't take care of their business and ruining my credit and just has had me so nervous and upset I can't sleep. I really need some help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 XXXX XXXX XXXX. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number XXXX XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account XXXX : XXXX XXXX XXXX Account Number : XXXX Account Name XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX  Account XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX 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 non-monetary relief
Consumer complaint received 2023-09-07
Company: Experian Information Solutions 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:
Hello, I have a series of accounts that I want the bureaus to investigate and correct from my credit report. I have sent notifications to the creditors and they have not responded to me either, except for one. I would like to know what is happening that my process does not advance. 

Experian has only been in charge of sending emails saying that they received my letters but that they will not investigate, which I find unfair and very unethical on their part

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 2023-02-25
Company: CNG HOLDINGS INC
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
An account was open with this company called Tempoe that I do not have any knowledge of or know of using my personal information and I have been trying to reach out to this company over the past 2 years through email as well as phone calls to have this account removed from my credit profile.This account has really made my life very difficult because it is created a hardship for me not being able to purchase a home for my family. The company has not try to respond to me concerning the matter so that this issue can be resolve.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19
Company: CrossCountry Mortgage LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/XXXX, we received a letter about receiving Homeowner Assistance Funds from the XXXX in FL. The letter states for 18 months at the then-mortgage payment of {$1800.00} ( and some change ). Our lender, Cross Country Mortgage, received payments directly from XXXX in that amount just fine for months until XX/XX/XXXX. The payments suddenly stopped. We have yet to have an XXXX payment go through either. That is two payments missing. Every time I call the HAF XXXX FL they say it was sent, they say the XXXX payment was cashed ( it wasnt ), they say they launched an investigation well nothing is happening. This was supposed to help us. We are in a world of debt, our home is already being listed, and in order to pay the XXXX and XXXX payments, I had to do another balance transfer from credit cards. The HAF XXXX FL is a lying scam, they cut us off instead of completing the full 18 months of payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25
Company: ALLY FINANCIAL INC.
State: CA
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened a 18-month CD with Ally Bank through a representative on the telephone on XXXX XXXX, 2023 when the rate was 4.25 %. Ally Bank has a 10 Day Best Rate Guarantee for all its CDs ( see attachment ). Its CD rates for the 18-month CD increased to 5 % within 10 days and I did not notice an increase for my account. I sent an email inquiry to Ally on XXXX XXXX and received an answer stating that I should be receiving the best rate ( see attachment ). I noticed the rate still did not change on XXXX XXXX and sent another inquiry. Not until then that I was informed that the IRA XXXX does not have the 10 Day Best Rate Guarantee ( see attachment ). This fact is nowhere mentioned on its website nor was it stated to me by the Ally representative when I opened the account. I only learned of this fact AFTER I opened the account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Following up on my previous complaint to CapitalOne Credit Card, the company falsely charged an additional {$28.00} interest on XX/XX/2023 when my account balance was already XXXX by paying XXXX on the due date of XX/XX/2023. When I contacted customer service, I was told that the charge was due to a late payment in the month of XX/XX/2023. When I argued with the agent that they falsely charged my account when my balance was XXXX and my account was previously charged XXXX. The agent had no clue and was not providing accurate information. It appears that my account is being falsely charged by Capital One. This is the XXXX interest change on my account with XXXX balance. This is mental harassment from Capital One that I need to check my credit card account every day even though I haven't used my credit card to make sure that the company is not placing false changes on my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-06
Company: Experian Information Solutions Inc.
State: SC
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:
The alleged account were not mines and identified as identity theft

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 2022-09-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 sent a letter on XX/XX/22 to 3 Credit Bureaus to remove these charge-off accounts that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$1000.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$1100.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$490.00} ; XXXX XXXX XXXX : {$490.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-27
Company: Chime Financial Inc
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On Friday, XX/XX/XXXX My phone and wallet were stolen from me in a set up. These pellle were able to get my phone password after stealing the phone. They immediately went to and changed my XXXX XXXX and other information to lock me out of my account. Once they have my wallet and all my cards they illegally gained access to 4 banks ( chime being one ) and initiated transfers out of chime to cash app and XXXX XXXX from contacts oh my phone who agreed to send me.money for a false emergency for going to hospital. Ive head friends who sent & XXXX just based on texting me ( who it wasnt ) this went on for about XXXX hours. It took me a while to figure out what they were doing and I had to get in contact with XXXX and then XXXX and had the phone turned off the following day so they had the phone less than XXXX hours. during this timeframe they illegally got into my chime bank account moved funds around and cleaned out everything over {$6500.00} was taken from my Chime account both with cash app transactions and I believe they also purchase things at stores like XXXX and XXXX. The same fraudsters then did that with my three other accounts, all the same time all cleaning out every XXXX, I had. I have reported this to the police Ive reported this to Chime. I have reported this to XXXX XXXX. Ive reported it to XXXX and Im now reporting it here because this is a crime syndicate that is operating in targeting people and perhaps drugging people at bars to get the patron to not know whats going on, and this is financial XXXX. I need XXXX to do the right thing and work with me and work with the local law-enforcement to see that this is not an authorized charge and I should not be responsible fraudulent charges. I clearly wasnt with the people when this happened. I also have police reports I had to go out and pay full price or were {$1000.00} for a new phone and I lost over {$10000.00} myself between all my accounts and had family members and friends lose {$3000.00} and money that they sent thinking that I was in trouble and going into a hospital and need money because these hoodlums actually message people asking the money he sent to this phone Chime is a very good company. Im not angry at Chime, but I need to get this done and expeditious manner. I dont have any income. All of my money has been taken in frozen and Chime is telling me it could take up to 90 days for their investigation I dont have 90 days to wait when all of my money was stolen from me please help me.

Company response to consumer: Closed with explanation