BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-07
Company: Chime Financial Inc
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/22 I had to take my XXXX to the vet due to an XXXX XXXXXXXX. On my way out to pay for the treatment and medication needed, my Chime debit card was declined. Confused and slightly starting to panic, i check my account balance and see more than enough to cover the cost. But again, my card is declined. I'm embarrassed and panicking but thankfully, my sister was with me. So we tried her card and it was also declined. She also banks with Chime. After apologizing to the vet, we went to get cash from an ATM. My card was declined again. Twice. So at this point I'm embarrassed and anxious about how I'm going to pay for my kittens antibiotics. I try to contact the bank and all options of contact are not working. So I check social media and on XXXX I see that Chime is down and no one has gotten a notification. Thankfully my vet was very understanding and still provided the medication for my kitten so hopefully Chime is back up tomorrow so I can pay them back. 
Chime sent a notification finally about an hour after the issues started. I've attached the notification of the declined transaction and of the email where I logged in on my phone to my chime account in an attempt to contact the bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
Ive been contacting the credit bureaus for 9 months via letters mailed in/fax/ and over the phone ; they are returning letters back to me ; refusing to investigate a lot of letters and fax went unacknowledged on letters that were sent certified mail so have confirmation that they have received them however when call rep states no record of receipt. I am fully aware they are backed up and working from home I hear family/pets in background systems go down while on the phone. This is clearly unfair that representatives are able to work from home, not held to office compliance, and refusing to process files that are received. No formal investigation is being engaged ; totally understand that we are in a pandemic however the world doesn't give agencies to be able to disregard work load and properly process files ; no laws have been sat in place to extend/amend investigation process and we are entitled to fair due process and letters to be processed without delay. WILLING TO SUBMITTED ENVELOPES THAT SHOWS " RETURN TO SENDER. INVESTIGATION ARE TAKING LONGER THAN 45 BUSINESS DAYS!!

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 2020-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like Im being ignored and disrespected. Section 611 ( a ), plainly states that failure to investigate these items with in 30 days gives a reason to immediately remove these items from my credit report. I demand these accounts be deleted immediately other wise I will file litigation due to the stress and lost of income that this bad credit rating caused me. Per my attorney my information was impacted by the XXXX  data breach and this may be the way my information got into the wrong hands

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 2019-05-03
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
This company continues to report negative and derogatory information disregarding the fact that I already had the account transferred and rehabilitated by XXXX  in which I am paying XXXX a month due to me being on XXXX. They continue to falsely abuse the law and continuously disregard any information and mail that I send them. I have called them on the phone and they ask me to send a letter with information they are the ones illegally reporting the information continuously to Experian and XXXX. XX/XX/2012 was the date the loan was open I was advised the statue of limitations doesn't apply to certain loans but it is already been 7 years reporting negative. The point I am trying to make is that I already did my part by rehabilitating the loan and allowing it to get transferred to XXXX it was with XXXX XXXX XXXX. I did what they told me to do so I can get it removed from my credit and the only one that is blatantly disregarding the law is XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX they continue to report the information and they already know that it should not be reported due to the fact that I have rehabilitated my loan. The keep finding ways to continue reporting information that is not true and is incorrect. I'm getting to the point where I want to sue them in open court for not following the law and also not caring it is also keeping me from getting a home from my family in which they do not care. XXXX  anguish is something that I am affected by this horrible situation and I intend to follow suit if it is not removed within the next 7 days. I am not going to allow this to happen to me by this company.

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 2019-01-28
Company: Santander Consumer USA Holdings Inc.
State: FL
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:
I actually have so many complaints over the past 5 years of this loan with overpayment, not sending me statements, overcharging me interest, not doing what they say even when promised on calls, etc. So so many. But to add frosting to the cake here is what is happening as I try to pay off car that was totaled. 

I thought I had gap insurance but they said I did not. So after insurance company valued, was about {$2500.00} short ( after paying for 5 years a car that originally was {$13000.00}. After 5 years still owed {$7200.00} at time of being totally. Usery in my opinion. 

But now when I am trying to get paid off still can not get resolved even though they have had my {$2500.00} for two weeks and the insurance check {$4700.00} for one week. Telling me it will be another 4 business days even though I have called daily. It is beyond frustrating and they just don't care and can not do anything about they say. And said they are unable to send me to a manager. 

I have a car financed with them. Over the 5 year period I reached out many many times with errors to my account and to have monthly bills emailed to me. At least 30 times. Every time they confirmed my email and contact info and promised to remedy. Over 5 years they never corrected and I did not ever get an emailed statement. 

Then on top of this all, my car was totaled one month ago. After many requests, It took 2 weeks for them to get the correct form to my insurance company after multiple calls and emails from XXXX and myself. Finally they got my insurance company, XXXX, the right form. XXXX then overnighted a check to Santander who signed form and received last Tues morning at XXXX XXXX. It is now XXXX XXXX on the following Monday. 

So, one week later on Monday evening, my account was still not credited for the payment. Daily I call and each time get different XXXX they say " wrong '' information from last person I spoke to there. I am now told that it will be another 4 business days for them to credit my account. We all know they deposited the funds the same day into their own accounts and are earning interest on those monies. 

What financial company takes 8 business days ( 10 overall ) to credit my account with a check from a large insurance company? This is like stealing my money and holding it hostage. Each day I am spending {$100.00} on XXXX to go to and from work because I can not buy another car until this account shows paid. And all Santander says is they can't do anything about and sorry the last person gave me wrong information. I am beyond shocked at how a financial company can get away with treating consumers like this!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15
Company: Experian Information Solutions Inc.
State: IL
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've been contacting the credit bureaus for 9 months via letters mailed in/fax/ and over the phone ; they are returning letters back to me ; refusing to investigate a lot of letters and fax went unacknowledged on letters that were sent certified mail so have confirmation that they have received them however when call rep states no record of receipt. I am fully aware they are backed up and working from home I hear family/pets in background systems go down while on the phone. This is clearly unfair that representatives are able to work from home, not held to office compliance, and refusing to process files that are received. No formal investigation is being engaged ; totally understand that we are in a pandemic however the world doesn't give agencies to be able to disregard work load and properly process files ; no laws have been sat in place to extend/amend investigation process and we are entitled to fair due process and letters to be processed without delay. WILLING TO SUBMITTED ENVELOPES THAT SHOWS " RETURN TO SENDER. INVESTIGATION ARE TAKING LONGER THAN XXXX BUSINESS DAYS!!

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: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
Issues : ( 1 ) Truist Bank has yet to close the HELOC that belonged to my deceased husband as promised, and ( 2 ) Truist Banks behavior is abusive.

Description : My husband opened a HELOC with SunTrust now Truist Bank in his name only, and on property that was owned by us jointly. My husband passed away on XX/XX/2021. My husband never made a draw on the account and owed no fees. I dropped off a copy of the death certificate with the branch shortly after my husband passed away. I was present when XXXX XXXX, XXXX ( Senior Relationship Banker ) faxed a copy of the death certificate to Truist Banks consumer loans department. I later mailed and faxed a copy of the death certificate to Truist Bank. Truist Bank has never acknowledged my husbands death. 

Truist Bank provided conflicting information about this HELOC. Truist Bank told me that it needed to add me as a so-signor to the HELOC. I questioned this claim. I called both the direct line for consumer loans, and I called and visited the branch. As a result of these calls and visits, Truist Bank promised last fall that it would close the account. However, I learned this spring that it had not done so. As a result, I visited the branch again and was told by XXXX XXXX ( Branch Leader ) that I needed to complete several forms before Truist Bank could close the account. XXXX XXXX assured me that the account would be closed. Yet several weeks after my visit to the branch and despite assurances that it would soon close the account, Truist Bank force-placed insurance on my home and sent an invoice for {$1700.00} to my deceased husband. 

I am an XXXX woman. This matter has caused a significant amount of stress. As a result of Truist Banks behavior, I spent hours trying to resolve this matter. I want Truist Bank to remove the force-placed insurance, remove any liens, remove all liability, waive any charges, and close this HELOC.

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 2020-02-20
Company: WELLS FARGO & COMPANY
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Advertising
Sub-issue: Confusing or misleading advertising about the card

Complaint:
I purchased the down payment of my XXXX XXXX XXXX phone with my Wellsfargo Platinum Debit card to start my wireless plan with XXXX ( 1XX/XX/20 ). Unfortunately, on the 27th day of use ( XX/XX/20 ) the screen cracked. I went to go two physical XXXX stores to see if I can have it replaced since they informed me that I had 30 days to replace the phone if there was anything wrong with it but they would not accept it. Then, I called XXXX to see if the phone comes with a manufacturer warranty but they voided my warranty by claiming that my cracked screen was an " accidental cause. '' So instead they referred me to one of their partners to fix the phone at a " discounted price. '' The discount isn't much of a difference. It is only about a $ 4- {$5.00} dollar difference. Then I checked the terms and conditionals online for a Visa Platinum debit card since that is supposedly what my card is and what is advertised on the Wells Fargo website including on the front of my card. According to Visa, a platinum debit card has purchase protection and my phone would apply. So I contacted Visa and they checked card number. VIsa informed me that my card does not come with purchase protection. They even checked years prior to see if it is something that Wellsfargo cards used to have but had it previously removed without informing their customers. It never had purchase protection, although the card and website advertises as a platinum debit. Then, I had Visa check another Visa that I have with a different bank and that one does have purchase protection. Then I called Wells Fargo to explain my issue with their false advertisement. They didn't really know what to do so they put in a ticket to investigate and contact XXXX to see if they can give me my money back. However, I only have until XX/XX/20 to fix this issue so that I can replace my phone. I don't trust this product anymore since it cracked so easily with just one drop.

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 2020-12-14
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA
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:
We made a purchase with a merchant - XXXX XXXX XXXX in XXXX NV. of 4 tires. 
Due to a email issue ( still unknown ) a confirmation of the order and subsequent tracking information never arrived to us. 
We filed a dispute of the amount with our credit card company, USAA. 
The funds were refunded to us. 
2 days later we made contact with the merchant and discovered there was an email issue preventing information arriving to us. 
By XXXX and XXXX all of the tires ordered had arrived. 
We immediately filed a release of the dispute with USAA. 
As of XXXX XXXX XXXX XXXX has still not been refunded and our card still has not been charged to amount due. 
This is in violation of USAA terms which require resolution in 3-7 days.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13
Company: NEW YORK COMMUNITY BANCORP INC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
I have received three notices about hazard insurance coverage for my home. I have maintained adequate insurance coverage for the life of my home ownership and more importantly, the duration of the loan which I entered into in XXXX  I submitted insurance coverage information when I received the loan. 

My mortgage was bought and sold multiple times. I have not once had an issue with a bank requesting additional insurance information. 

Once the loan was sold to flagstar bank, I have received multiple notices requesting insurance coverage information that the other banks already has access to. Included in the notice was a threat to automatically sell me insurance coverage that may be significantly more expensive and may not provide as much coverage as insurance that I would purchase on my own. 

I submitted the information requested using their methods and I continued to receiver these notices. The practice is predatory and confusing. I have no doubt many consumers have paid overpriced insurance that was not needed.

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 2022-07-07
Company: Experian Information Solutions Inc.
State: IA
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:
"ON XXXX I SENT A "VALIDATION OF DEBT LETTER" TO XXXX XXXX XXXX. AS OF XXXX I HAVE NOT RECEIVED ANY RESPONSE AS REQUIRED BY LAW SECTION 1006.34 (c) OF THE FDCPA. THIS IS A VIOLATION OF MY RIGHTS. BECAUSE THE ACCOUNT WAS NEVER VALIDATED, IT REMAINS INVALID, SO THE CREDITOR/FURNISHER BY LAW, CANNOT CONTINUE COLLECTION ACTIVITIES, NOR REPORT THE INVALID ACCOUNT TO THE CREDIT BUREAUS. | ALSO NOTICES SEVERAL FRAUDULENT INQUIRIES, I BELIEVE THESE ARE THE RESULT OF IDENTITY THEFT. BECAUSE I DID NOT NOR DO I RECALL GIVING AUTHORIZATION FOR THESE INQUIRIES THERE IS NO "PERMISSIBLE PURPOSE." I DEMAND AN INVESTIGATION WITH ALL UNVERIFIED ACCOUNTS AND INQUIRIES DELETED IMMEDIATELY WITH A UPDATED REPORTS SENT TO MY ADDRESS. I DO NOT CONSENT TO ANY 3RD PARTY OR ELECTRONIC VERIFICATION."

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 2023-08-09
Company: BARCLAYS BANK DELAWARE
State: IL
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 write to you today regarding Barclays XXXX two reports of my past due payments to credit reporting agencies. 
I previously held a credit card associated with Barclays AAdvantage Mastercard ending XXXX. During this time, I paid off my credit card debt in full every month. In XX/XX/, my account experienced fraud ; fraud which I promptly reported to the bank. Charges during the period were refunded pending investigation. In XX/XX/, I paid the balance in full and closed the account. Months later, Barclays finished their fraud investigation and placed legitimate charges back onto the account, then closed the card again. I did not know that this occurred. Upon learning of the charges ( less than {$200.00} I believe ), I promptly paid the charges through a telephone customer service agent ( I was unable to access the account online due to the account being closed. My attempts to contact Barclays Customer Service failed on multiple occasions due to their lack of late-night phone customer service access-times during which I was awake as I work nights. )

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 2023-06-15
Company: Winklevoss Exchange LLC
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
This complaint is in reference to a prior complaint filed with the CFPB ( XXXX ). I believe this complaint was closed prematurely as the company response included inaccurate information. In the response, the Gemini representative stated that I purchased several crypto currencies and was seeking to have them returned. This is incorrect. Again, I did not hold any crypto currencies in my Gemini account. I held only US dollars. Someone hacked into my account, stole my US dollars, used your platform to buy crypto currencies and then took them off your platform. I have reviewed Gemini 's FDIC insurance sections of their user agreement and still believe my funds should be covered via pass-through insurance. I have submitted multiple complaints via the Gemini website but have not received any communications on the matter from those submissions in months. I have attached my initial complaint and the Gemini response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20
Company: PENTAGON FEDERAL CREDIT UNION
State: NC
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:
On XX/XX/XXXX, the merchant XXXX XXXX in XXXX, credited my credit card account for the amount of R {$8700.00} ( approx. {$1800.00} ) which I never received. The merchant sent a document confirming this credit to my credit card ending XXXX, which is the one I had used to make the original purchase, but was later replaced by PenFed Credit Union in XX/XX/XXXX due to a loss of it. I have tried repeatedly to get a response as to how to obtain this credit I am due, and have been unable to so for the last five months. They now claim that the time to make a charge dispute has lapsed. However, this is not a charge I am disputing, but rather a pending credit to my account. This is absolutely unacceptable and a violation of my rights as a customer. Please find attached a copy of my first letter to PenFed, a copy of their response, and the referenced transaction with authorization code.

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