BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
Im requesting an immediate update to my balance on both accounts XXXX XXXX XXXX XXXX and also XXXX XXXX XXXX XXXX my balance on both accounts are incorrect and Im sending in proof attachments to show please update immediately

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 2023-05-04
Company: CUSTOMERS BANCORP, INC
State: NJ
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
On XXXX XXXX XXXX I took a personal loan for {$10000.00} with Customers Bank with an interest rate XXXX  % this interest is expensive but I accepted. Customers Bank only gave me {$8800.00} out of the {$10000.00} loan. Next day I called Customers Bank to find out why they were giving only {$8800.00} and they told me that they're charging me {$1200.00} for Origination Fee. So for a {$10000.00} loan I'm paying XXXX  % plus {$1200.00} for Origination Fee ( 12.0 % ). 

I need help to investigate this because I think this must be illegal. 

Loan # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Company: Block, Inc.
State: GA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
someone sent me money on cash app and now the money is missing and cash app won't give it back to me it was {$1000.00} I really need my money back it's been months now trying to get my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Money order, traveler's check or cashier's check
Issue: Problem with customer service

Complaint:
I put a cashiers check into my account of XXXX and it cleared into the account after 13 days when it did clear they closed my account and took my money XXXX and I have been trying to get it for 3 months now I hate lost alot over this and I want my money that was wrong to do and I think it's a crime to do this to people

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26
Company: Experian Information Solutions Inc.
State: FL
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:
In accordance with the Fair Credit Reporting act XXXX Account ( XXXX XXXX ), has violated my rights. 

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

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 2023-10-19
Company: WELLS FARGO & COMPANY
State: FL
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:
On XX/XX/XXXX XXXX  I received a phone call from an individual named XXXX XXXX who said he was an officer at my local sheriff 's office. He told me I had missed my jury duty date, that there was a warrant for my arrest and needed to pay bail and a fine for missing it and come into the station to fill out paperwork to send to the courts. I was extremely scared of the repercussions and he said that I needed to pay the fines and fees to avoid getting in further trouble. He told me I needed to go to a kiosk in my local XXXX if I wanted to pay the fines so I went and sent the money through the ATM/Money Order kiosk. I sent {$4800.00} dollars in two transactions because they said the first one didn't go through ( {$3800.00} and {$1000.00} ) and I believed them. Once I sent the money and told them I was on the way to the police station for the paperwork they hung up on me and then I realized I was being scammed. I immediately called Wells Fargo to report the fraud and had my claim submitted. I also submitted a police report and reported the scam to my state 's attorney general 's office. I also contacted the company, XXXX, that the money was sent through to see if there was any information I could get about canceling the transfer or about the scammer 's account. They were not able to return the money but they provided me the transaction information. I called Wells Fargo on XX/XX/XXXX and they told me they denied my claim since my debit card was entered into the kiosk machine regardless that I was scammed of nearly XXXX XXXX dollars. I am over simplifying the emotions I went through on the ninth but I was and still am experiencing a lot of stress and financial burden as a young adult who has now lost a lot of money with seemingly no way to get it back. I can provide the WF claim number, my police report number, my emails with XXXX, and the response from the Attorney General 's office. I appreciate any help the CFPB can provide, thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-21
Company: CITIBANK, N.A.
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Blacklist, defamated, forgery restricted discriminated ilegally retaliated I was seriously assaulted... cast for 3 months... back then... 
XX/XX/XXXX for Citibank from XX/XX/XXXX thru XXXX employment investigation was to my favor but they XX/XX/XXXX... providing wrong personal information and credit info.outhere... 

MyXX/XX/XXXXpension was not given to me... asked for docs .... settlements for others... never got an increase, salary from XXXX to XXXX ... .. mocked Checking, pension, XXXX claim .... request, thats what I am asking from this agency to look into.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09
Company: Patenaude & Felix A Professional Corporation
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Debt collection company has submitted/ started garnishment of my wages. " {$19000.00} + {$3.00} daily interest + {$35.00} sheriff fee + {$12.00} disbursement fee '' for a charge on a XXXX credit card. 
Stated on garnishment order that I was served at address which I lived XXXX  years ago. I have been a victim of identity theft. Every year when I filed my federal taxes ... The IRS sent me a secret code to file. I have lived in XXXX, XXXX, and XXXX  since XXXX. I'm presently a resident of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
My XXXX XXXX XXXX XXXX XXXX acct XXXX has been DISPUTED multiple times and it remains DISPUTED and it will forever remain DISPUTED. Every Credit Reporting Agency and XXXX XXXX XXXX XXXX XXXX have Willfully, maliciously, knowingly, negligently, deliberately, purposely, wantonly, intentionally, and incompetently violated the Fair Credit Reporting Act ( FCRA ) and Metro 2 protocols by failing to permanently mark my account as DISPUTED as clearly required by the FCRA and Metro 2. I demand {$1000.00} in statutory damages against every CRA and Furnisher for every day my credit file has not been reported as Disputed. The record is clear that I have bona fide disputes which have been admitted by every CRA and Furnisher. Moreover, XXXX XXXX, Senior Vice President in charge of credit cards, XXXXXXXX XXXX, has sent at least 4 personal letters to myself and the CFPB effectively admitting my disputes. Moreover, my Disputes have been escalated to the XXXX XXXX Chairman of the Board due to the obvious illegal conduct.

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 2023-05-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
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:
Company closed my credit card account on XX/XX/22 without prior notice at all and they wont let me redeem my cash back reward points of {$310.00} that Ive earned with them, Ive called customer service on XX/XX/22 to discuss why theyve closed the account off and why theyve not called me or notified me before closing it so XXXX couldve redeemed my earned points with them But all they said is that once an account gets closed theres no reconsideration on reopening it & theres no way to redeem the points

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 2023-09-04
Company: FIRST NATIONAL BANK OF OMAHA
State: MD
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I signed up through the app and made a transfer of {$44000.00} through XXXX. Shortly after the transfer went through on Thu, XX/XX/XXXX at XXXX I received an email from support that my account was restricted due to suspicious activity. I replied at XXXX asking what I need to do to resolve the restriction on my account. At XXXX I receive a reply from support that they are going to transfer me to the correct team to help me and that I should get a reply within 1-2 business days. On XX/XX/XXXX at XXXX I have not heard back from anyone yet so I send another email to support asking if there is any information I can provide to help with the process and remove the restriction. On XX/XX/XXXX at XXXX I still have not received a response so I follow up with another email asking if there are any updates. On XX/XX/XXXX at XXXX I again ask if there are any updates and to this day have not received a response or help from support. This correspondence was all done through email. I had a very similar experience with their in app support chat as well. On XX/XX/XXXX at XXXX XXXX  I asked through the in app support chat if there was an update regarding my account restriction. I received a reply that it was being transferred to the correct team and I would receive a reply in 1-2 business days. I followed up with similar messages asking if there was any information or documentation I could provide to assist in the process and I have not received a response.

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 2023-08-26
Company: Specialized Loan Servicing Holdings LLC
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Payment process

Complaint:
Telephone calls with varying stories of what may have happened and several times they have hung up. E-mails and certified letter to XXXX. and various customer service XXXX XXXX XXXX ( the latest was XX/XX/XXXX ) - no response. Trying to resolve for the past 8 months. Ten months of copies of cancelled checks e-mailed to customer service ( XX/XX/XXXX ). No response. XXXX has sent late payment notification and penalties, and XXXX has also notified credit bureaus of late payment. 
These people have extremely poor customer service and accounting. Are rude and abusive. Sometimes they refuse to give a customer service identification for my file.

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 2023-10-21
Company: U.S. BANCORP
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Confusing or missing disclosures

Complaint:
Complaint Regarding Failure to Receive Promotional Bonus Dear Customer Financial Protection Bureau ( CFPB ) Representative, I hope this email finds you well. I am writing to file a formal complaint against U.S. Bank regarding their failure to provide me with the promotional bonus promised in their promotion campaign. Despite meeting all the requirements specified in the promotional email, I have not received the {$600.00} opening bonus as offered by U.S. Bank. 

To provide a comprehensive overview of the situation, I have attached the relevant documents for your reference. Attachment XXXX contains the response I received from U.S. Bank and the promotion terms and conditions. Attachment XXXX confirms that I opened my new account with the promotion code and within the specified timeframe, well within the 90-day window. 

According to the terms provided, this promotion was open to customers using the XXXX promotion code but deemed ineligible for those utilizing XXXX XXXX. Regrettably, this policy regarding XXXX XXXX was neither adequately defined nor documented, leading to considerable confusion. To add to the confusion, despite opening the account through the XXXX XXXX XXXX the promotion code " XXXX '' was validated and recorded in their system. Additionally, the U.S. Bank customer representatives confirmed they acknowledged the presence of the promotion code on my account. 

To my dismay, I received correspondence from U.S. Bank asserting my ineligibility for the opening bonus, citing the XXXX XXXX. This contradicts the information provided during the account opening process and is a significant source of frustration. The practice of validating the promotion code through XXXX XXXX during the account opening process, only to later deny eligibility based on the same, is deeply misleading. This not only creates confusion but erodes the trust customers place in the bank 's communication and processes. 

I trust that the CFPB, as the governing body overseeing fair and responsible banking practices, will thoroughly investigate this complaint and take appropriate action against U.S. Bank if necessary. I would greatly appreciate your assistance in resolving this matter and ensuring that my rights as a consumer are protected. 

Thank you for your attention to this matter. I look forward to a prompt resolution and a favorable outcome. Please do not hesitate to contact me if you require any additional information or documentation.

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 2023-01-26
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I received my first call from " XXXX '' today XX/XX/XXXX, from " XXXX '' who left a vague but compliant voicemail. I called the number back at XXXX XXXX  and a woman whose name I can't recall, attempted to transfer me to " XXXX XXXX. I asked specifically, " what is your field of business '' and was only advised, " We're 'Genesis '. We handle a range of business ''. During my transfer to " XXXX '', the representative D-Something, disconnected the call on me. I called back at XXXX XXXX  and spoke with XXXX or XXXX or something like that. I informed her to remove my reference, despite not knowing how they even FOUND a reference. She did not acknowledge that that number would be removed. I also informed her, that I would not be paying the debt as I don't feel compelled to pay debt to a XXXX  of an apartment community who I had nothing but noted issues with. She asked me multiple times to confirm I would like it documented as a " refusal to pay ''. I informed her that's fine. I then instructed her to mark my numbers has XXXX after she threatened me with continued collection efforts. Upon that remark, I made it clear the debt would not be getting paid and she ended the call by saying, " they will be paid '' and under the CFPB guidelines, that's enough to count as harassment as well as threatening collection tactics. Also, she did not give me the XXXX prior to disclosing the nature of the call. I called back and spoke with a supervisor, again, I don't remember his name and he was apologetic and confirmed the numbers had been removed. I informed him that the complaint would be filed as they have violated several guidelines and as a consumer and debt collector of 9 years, I'm very familiar with the collection laws. I also received notice from a " reference '' that when they were called, " XXXX '' refused to identify themselves upon multiple requests for the company information and when the " reference '' instructed that their number be removed, the agent specifically told them " no '' and that the number would remain on file. I informed the supervisor of timestamps for the calls for reference to these violations. Prior to today, XX/XX/XXXX, I have not been in communication with " XXXX ''. I had no details informing me of who they were or to be expecting their call. This balance is certainly not worth the legal action I am very much so willing to take fir not XXXX or XXXX, but multiple violations and I truly hope they take the loss on my {$400.00} rather than having to pay out a nice chunk of hush money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I would have fees even when it was set to not pay anything and then they would charge fees on fees

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 2023-01-26
Company: EQUIFAX, INC.
State: PA
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:
Good afternoon. my complaint is in regards to the XXXX XXXX XXXX account they have listed on my credit files. This account continues to be verified as accurate when in fact the information across all three bureaus is inconsistent. If this account was being properly investigated then the information should be consistent and correct. i have highlighted the inconsistencies and inaccurate information in my attachment to this complaint and detailed them below at the end of this complaint. i did not dispute that the account is not mine, i disputed that the account information posted to my credit files is inaccurate and inconsistent. Furthermore this account was charged off, therefore a 1099 was filed with the irs by XXXXXXXX XXXX and to date i have NOT received a 1099c from XXXX XXXX for which i am due in order to file my taxes. This account being charged off and filed with the irs by XXXXXXXX XXXX is now taxable income for me and income is not to appear on my credit files! im requesting that due to the credit bureaus negligence to properly identify and verify the information before it is placed on my credit file that this account is removed from my credit reports immediately because this is a violation of my fcra rights. 
INCONSISTENCIES found on " verified account '' : Account type : XXXX XXXX XXXXXXXX secured cardXXXX XXXX XXXX XXXX XXXX XXXX  : XXXX {$3000.00} XXXX $ XXXX {$2000.00} Credit limit : XXXX $ XXXX $ XXXX XXXX {$0.00} Date last active : XXXX XX/XX/2019 XXXX XXXX XX/XX/2019 Date of last XXXX XXXX XX/XX/2019 XXXX XX/XX/2019 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
Company: BARCLAYS BANK DELAWARE
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Account numberXXXX his is for banana republic Barclays credit department In accordance with the fair credit reporting act XXXX has violated my rights. 15 USC 1681 Section 602 States I have the right to Privacy. 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 15 Use 1666B : A creditor may not treat a payment on a credit card account unlearn open end consumer credit plan as late for and purpose. Please fix to show no late payments since this was your fault for understaff during covid 19 and could not accommodate pay by phone within 24 hours.

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 2023-11-13
Company: AMERICAN EXPRESS COMPANY
State: KY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
American Express denied access to my Credit from original application. ( Reference # XXXX ). This is Fraud according to The Federal Reserve Act section 16 paragraph 2, 15 USC 1602 ( p ) and 15 USC 1602 ( f )

Company response to consumer: Closed with explanation