BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-28
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Suntrust processed an ACH debit on our acct in error. The Suntrust representative confirmed our account name was not on the ACH transaction and connected me to account security to file a claim. Fast forward one day, Suntrust ( Truist ) has now closed two of our personal accounts and a business account. They gave no reason and said we don't have access to our funds for 15 days while the acct is under review. We have near perfect credit, never bounced a check and run a standard bank account. There should be no reason to close our accounts and hold our money. We have bills that are due and can't pay them now because we have no money. They also will not allow any debits or pending checks to be processed which means these pending payments will be returned. We are very concerned the returned checks will affect our credit as we have always paid on time. We are shocked at the way this is being handled especially during these difficult times. Any help would be greatly appreciated.

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 2019-09-05
Company: Experian Information Solutions 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 just turned XXXX yrs old something bad has happened, I never knew my social security number until I started college 2 weeks ago. I found out on my credit score report its over 7 things. that does not belong to me I never asked for any cards as a child and I never authorized anyone to use my name or social security number. I called all of these companies. and they say the birthday don't match.? so why are they keeping it on my credit score thing/ report. I just turned XXXX some of these companies say it been open for years? how because they don't give children accounts. can I get help please and take these things off my credit score/ credit report. thanks this is my last option for help. I should not have to deal with this kind off issue. school is very hard already please help.

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 2019-09-05
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IA
Product: Credit card or prepaid card
Sub-product: Payroll card
Issue: Unexpected or other fees

Complaint:
I made a purchase on XXXX at for {$9.00} at XXXX XXXX CDT on XX/XX/XXXX. That is the last legitimate purchase I made on the card. I had a balance of {$270.00}. While I was sleeping the following transactions were made : {$20.00} at XXXX {$20.00} at XXXX {$20.00} at XXXX {$20.00} at XXXX {$20.00} at XXXX {$21.00} at XXXX {$21.00} at XXXX {$21.00} at XXXX {$21.00} at XXXX {$21.00} at XXXX {$21.00} at XXXX {$21.00} at XXXX {$21.00} at XXXX ending in a balance of {$4.00}. Then I have had notices of declined charges of {$21.00} at XXXX. 
This continued with charges declined for {$6.00} at XXXX. 

When I found the text messages with charges and balances, I called to report the card as compromised/hacked. I was told that the transactions were pending and would have to be complete before a dispute claim can be placed. My account was then put on hold -- not that there was anything left to steal. 

However charges have still been attempted. 
XX/XX/XXXX at XXXX XXXX a charge of {$6.00} was attempted on a card ending in a card I don't have in my possession. This matched neither card I have in my possession. 
XXXX a charge of {$18.00} was attempted on card ending in the mystery card. 

Meanwhile I still have attempts against my account, which is frozen but has had a deposit made from my employer -- that I can't access because my account is frozen. 

I am told I have to wait 7-10 days for a replacement card. 
Normal cards with multiples of the same transaction would have been rejected, a flag put immediately on the account and a new card sent out within 3 days. The only reason this must take so long is that I have been dealing with an offshore phone center. Because they told me the charges initiated in the XXXX -- would you want to deal with an offshore phone center accessing your info?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-28
Company: AMERICAN EXPRESS COMPANY
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I opened an American Express ( " Amex '' ) Platinum personal charge card on XX/XX/XXXX with a welcome offer of XXXX Membership Rewards ( " MR '' ) points after a total of {$5000.00} eligible spending within the first 3 months and card opening. I have not received the MR bonus even after eight weeks of completing the spending requirement. Then I reached  to Amex via online chat for help and they started an investigation on the case. I was then informed that one charge on XX/XX/XXXX in the amount of {$3000.00} from a third-party rent payment service named " XXXX '' was considered by Amex as " ineligible '' because Amex believes it falls into the category of " person-to-person payments '', which is excluded from eligible spending as in the offer terms. However, this is a service I paid for my apartment 's rent, and is paid to a company ( neither XXXX nor the ultimate recipient of the payment is a " person '' ; they are both companies ). Amex can not arbitrarily interpret this charge as a " person-to-person payment '' and not honor the offer terms of XXXX Membership Rewards points. 

I am attaching the full offer terms ( pdf ) and my card activities from XX/XX/XXXX to XX/XX/XXXX ( XXXX  spreadsheet ) downloaded from Amex 's website to the case. In the activities spreadsheet, I added three columns ( I, J, and K ) to add additional information and comments, and to demonstrate that the spending exceeded the {$5000.00} threshold for the welcome offer. It is for CFPB and Amex 's reference purposes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-21
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2018 two unauthorized transactions occurred at a XXXX XXXX vending kiosk using my debit card information, which had been stolen. These transactions were for {$940.00} and {$1100.00}. I immediately contacted my bank, Chase, to alert them of this. I question why they did not alert me, due to the fact that these purchases are outside of my normal pattern and I have this feature on my account. Indeed, I never buy expensive electronics and never use XXXX XXXX vending machines. At the time that I alerted them, Chase refunded the money to my account. Subsequently, they took the money back, saying that because the perpetrator used my PIN number, they were not going to refund the money. This is a clear case of theft, and my bank has been unresponsive.I am positive that there must be other such cases involving Chase and other banks. 

My claim number with the bank is XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-07
Company: CBC Companies, Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I am in the process of a mortgage refinance with XXXX XXXX. 

To ascertain the interest rates for my refinance, XXXX XXXX receives a FICO credit score from a company in Colorado, Factual Data <www.factualdata.com>, I monitor my credit regularly and assiduously directly with the three credit reporting agencies, Equifax , Experian , and XXXX XXXX . I have received the online " FICO scores '' they produce for consumers like myself. However, the scores that are being reported to my lender, XXXX XXXX, from Factual Data and XXXX are wildly out of sync with the scores I am receiving directly from the credit reporting agencies. This results in a higher cost loan for me. 

When I contacted Factual Data, they claimed that they were simply reporting the FICO scores. I realize that there are different " flavors '' and " models '' for XXXX scores. Factual Data sent me to XXXX for an explanation. But XXXX on XXXX will not talk to me about my credit score unless I pay them a fee. 

Consumers are supposed to be able to receive a credit score annually for free. This does not, apparently, include the XXXX score, which must be paid for. I did pay to receive these scores, but they were apparently not " true '' XXXX scores, and I can't even begin to negotiate with XXXX to obtain the " true '' scores used by my mortgage lender unless I pay them an additional fee. So these scores were effectively worthless. 

Even then, if I were to pay XXXX, I realized that I have no guarantee that they would provide me with an adequate explanation for the discrepancy between the " true '' scores provided to my lender and those provided to me by the credit reporting agencies. So I stopped throwing money at this problem. 

This credit reporting process is clearly not transparent in any way, and it has direct impact on the cost of any mortgage ( or other ) loan. I believe that both FICO and the credit reporting agencies are engaging in deceptive practices that consumers have no way to counteract, and charging money to do so. The credit scores under these circumstances are a XXXX box for consumers. Anything the CFPB can do to help consumers obtain clear and accurate information will be applauded by me, and I suspect by millions of others.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-03
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:
I applied for a mortgage and found some incorrect information being reported about an old auto loan through XXXX XXXX. I have disputed the incorrect information and sent additional documentation multiple times regarding the account. XXXX deleted the information when i first sent the documentation. I have since disputed the account with Equifax and XXXX 4 more times with no changes to the account at all. They are reporting an incorrect balance and i have sent them proof of this. I even asked for their method of verification to which they did not provide or do a reasonable investigation. This is my last chance to resolve this incorrect info before turning it over to my local consumer protection attorney to file an FCRA lawsuit against Equifax, XXXX and XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07
Company: Coinbase, Inc.
State: SD
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I woke up to see {$1500.00} had been withdrawn from my account at XXXX XXXX, and didn't have time to investigate so I had them temporarily lock the account. It's been over a month now and I've submitted 10 tickets for support. Each gives me a canned response of " We'll get back to you in 3 or 4 days. '' My account is still locked, I can't access, let alone transfer/withdraw funds.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-25
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I am trying to place a freeze on my credit reports. This was easily done with XXXX, I flubbed the verification question with XXXX  so they are sending me a verification code via the USPS, but Experian simply refused to let me submit the freeze online. 

On XX/XX/XXXX, I made multiple attempts to freeze my credit report with Experian. After entering basic data ( name, SSN, DOB, address ), Experian sent me to a page that said I had to mail in the information, along with a copy of my driver 's license and a utility bill or bank account statement. I was never asked verification questions, so it was not that I failed a part of the process, Experian is simply making it more difficult for me to get my credit report freeze. This certainly goes against the intent of the law, and may be illegal. This action is even more egregious given Experian 's historical failure at protecting credit data and continued access to my credit information. 

I request that Experian not be allowed to access my data going forward, and they should be fined for their malfeasance in blocking my attempt to freeze my credit report.

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 2021-10-22
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Suddenly late XXXX, I noticed that they were not applying payments in full to my promotional payments even though they had the older purchase dates and deadlines were coming due. They were only applying a small amount to the promotional purchase and breaking the rest up over more recent non promotional purchase. I called and the first few times, it was corrected no problem. I was told I would see the adjustment online within 48-72 hours. I'd check back usually 48 hours later and I would see the corrections. I was was also told I would have to call every month to have payments applied correctly. That is ridiculous. I have two deferred interest promotional payments coming due. One in XX/XX/XXXX ( purchase date XX/XX/XXXX ) and another in XX/XX/XXXX ( XX/XX/XXXX ). Then I have standard purchases made on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. They are basically setting up the two interest deferred purchases for two extremely high interest charges that should be deferred if payments applied correctly. Monday, I called went through the process to correct payment allocation. I was told I would see adjustment online within 48 hour and on paper statement within next couple billing cycles. Today, four days ( 96 hours ) later given run around when inquiring. I'm told I have to allow 48 hours for online and 2 billing cycles for paper statement correction. I point out I have waited 96 hours to see online. I'm not referring to paper. The customer rep is stuck on his script. After constantly repeating that I've waited 96 hours and expressing my frustration and willingness to contact FTC, FDIC, CFPB and my Senator to request Congressional investigation into their practices, it's escalated supposedly to a supervisor who reads from the same script. I repeated what I told the customer rep and now am waiting on a callback within 24 hours from their corporate team. I don't expect a callback. I went to the online complaint forms for FTC, FDIC and CFPB completed them. I also called my United States Senators and Congressional Representive and gave details to their staff and am currently waiting on callbacks from each of them. This type of financial abuse by banks and credit card companies needs to end. My payments are on time and 2 to 3 times the monthly minimum. As mentioned before this has been an ongoing problem for approximately a year. Usually, once I call they follow through and correct the allocation. This week Synchronys customer service representatives decided to not correct the problem, leaving me with a potential interest payment that should be deferred.

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 2020-11-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Transunion should not be reporting that I am ( 30 ) days late on the XXXX XXXX partial account number XXXX. The representative I spoke with assured me that this late would be removed because it is reporting in error. I have attached a copy of the letter sent on XX/XX/2020 stating they requested my credit report be updated to report accurate information. It is a violation of the Fair Credit Reporting Act to not report accurate information. I have contacted the bureau to fix this however, I have not been successful.

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 2019-09-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Capital one has treated me horibke they closed my account after being a customer for 6 years in good standing all While om on vacation they change my due date on my other account all without surprised this is horibke their customer service refuses to handle this for me executive relations reinstate my account and call me and put back the due date I had in my GM card its not fair why your system would do this to me and change it

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-05
Company: CURO Intermediate Holdings
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Loan payment wasn't credited to your account

Complaint:
On Saturday XX/XX/19 around XXXX  o'clock I went into Speedy Cash to pay off my loan for the amount of XXXX dollars. I paid the full amount with cash and asked for a receipt in which the teller gave me one. On XX/XX/19 at XXXX I get a phone call from Speedy Cash Corporate office in which they tell me I haven't paid off the loan and there's no record of me paying it off. I call the branch where I paid the loan and they show no record of me paying off. I asked if they have any cameras and if they could review the footage and the teller said to come over and we'll be able to review it. Around XXXX o'clock i go over to the location and the manager then says it'll be weeks before we could actually review anything. The manager did print a receipt for me showing the last time I paid my last loan on XX/XX/XXXX but not showing the XXXXThe thing is I have lost the receipt and the only way to prove i did pay is with security cameras.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-21
Company: The CBE Group, Inc.
State: UT
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:
CBE Group keeps putting new collections on my credit report when I already have payment arrangements with them. 
For one these shouldn't have went to collections, they were to be paid by insurance, so I am fixing this. Secondly I am making payments in an arrangement with you guys even though I shouldn't be because insurance should pay it ... But Im doing my part so I don't know why they keep putting new items on and I have not even got notices for them. 
I mean honestly. Im trying my hardest, to resolve this and this is unfair

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-05
Company: Nelnet, Inc.
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Hello, I submitted an income-driven repayment plan to Nelnet on XX/XX/XXXX. When I called to check on the status of the application and the amount I would need to pay the first month I was told that I needed to request a deferment to avoid paying the standard amount. This information was incorrect as the loan was supposed to be placed on an administrative forbearance while my application was being reviewed. This resulted in {$11000.00} being added to my principal balance on XX/XX/XXXX despite qualifying for the income based repayment plan I submitted an application for. 
Again in XXXX I submitted my recertification application to Nelnet on XX/XX/XXXX and on XX/XX/XXXX Nelnet incorrectly capitalized accrued interest in the amount of {$3500.00} to my account despite being on and qualified for an income based repayment and not requesting any kind of deferment or forbearance. 
On XX/XX/XXXX I submitted my documentation and application for recertification of my income driven repayment plan and on XX/XX/XXXX I was notified Nelnet incorrectly capitalized interest to my principal balance in the amount of {$2600.00}. I reached out to Nelnet on XX/XX/XXXX to let them know I did not request any deferment nor did I receive any notification that a forbearance, deferment, or six-month grace period would end soon and that accrued interest would be capitalized. My message was responded to with an email asking me to call them during business hours. This issue was not resolved before my loans were transferred to myXXXX due to my application for loan forgiveness.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
on XX/XX/2021, I received an authorized wire transfer into my small business checking account at Wells Fargo bank. The next day I sent the funds to my supplier. After the funds were sent, the sending back requested that the funds be returned. Wells Fargo then removed all remaining funds from my account, then closed the account, causing a loss of {$30000.00}, which was all the funds from my account, that I had obtained from an SBA loan.

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