BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-08
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Synchrony Bank, which runs the XXXX private label credit card, sent me an email offer on XX/XX/XXXX stating " Receive {$25.00} in Bonus Rewards Dollars when you spend {$50.00} outside of XXXX and XXXX XXXX XXXX  with your XXXX Mastercard from XXXX XXXX-XXXX XXXX, XXXX. '' I spent {$50.00} outside of their stores during the promotional period, but was only issued {$20.00} in reward dollars. Upon calling Synchrony Bank on XX/XX/XXXX to inquire about my remaining {$5.00} in rewards dollars that I was supposed to have received, I was informed that rewards certificates are issued in increments of {$20.00}, and that I would need to make an incremental purchase in order to bump my rewards dollars balance above {$20.00} in order to receive the remaining {$5.00} in rewards. After escalating the matter to a manager named XXXX ( ID # XXXX ) I explained to her that the advertisement was misleading - nowhere in the email or fine print did it state that I would receive {$20.00} in rewards dollars first, and only upon making another purchase of at least {$150.00} ( @ 10 % typical rewards rate ) would I be able to earn the necessary incremental {$15.00} to issue a second rewards certificate of {$20.00}. I also added that if they knew their system only issued rewards certificates in {$20.00} increments, why would they promise customers {$25.00}? Why not offer {$20.00} in exchange for {$40.00} of outside spend? I explained to her that this was a clear case of bait and switch and an obvious UDAAP violation as the terms of the offer were misleading. XXXX dismissed my concerns and I let her know that I would be filing a complaint with the CFPB.

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 2019-04-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Deposits or withdrawals

Complaint:
I purchased 4 {$2500.00} CD 's from MBNA XXXX XXXX back in XX/XX/XXXX. The bank was subsequently sold to XXXX XXXX XXXX XXXX. When I tried to redeem my certificates of deposit they were unable to locate the certificates. I have contacted all parties to recover my funds however ; no one seems to be able to help because of the time lapse from XX/XX/XXXX when they matured. I have the certificates with account information in my possession. I feel that I was protected when i purchased the CD 's through the FDIC. It is my understanding now that once the bank was sold to another bank that that bank may not be covered under the FDIC. The CD 's are MBNA Platinum Plus CD. I am out over {$10000.00}. I have also searched all states for abandoned property. 

Very concerned, XXXX XXXX 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 2022-03-09
Company: Experian Information Solutions 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:
Attached data. Experian ( as one example ) shows no payment amounts being paid when I clearly have been making payments. Monthly. Sometimes twice a month. Also, my balance is incorrect on all 3 credit bureaus which impact my credit utilization and I want to apply for a mortgage soon and I need that to be fixed. The credit card is paid off each month. It's bad enough that XXXX XXXX continues to keep my deposit and keep this as a secured card after four and a half years of consistent payments on Time payments and excellent payment history when I have a XXXX XXXX that gave me an unsecured card and increased my limit three times in one year. Why does XXXX XXXXXXXX refuse to return my security deposit and make this an unsecured card? They give me no explanation and I need an explanation that is clear and accurate. I also need payments that I made to be reported accurately on time and balance has to be correct.

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: Flagstar Bank, N.A.
State: MN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I Refinanced my home in XX/XX/2021 with Flagstar Bank, This repulsive process with Flagstar had taken about 18 months and approximately XXXX emails. 
They continually lost my information, made numerous excuses and have no Clue what they are doing. 
This is an extremely incompetent and dishonest company, who have misappropriated my funds. 

Instead paying the outstanding property taxes and XXXX insurance, which I solely paid over the past 2 years, Flagstar sent that escrow check to my Ex-husband, who was NOT entitled to it, and is stated in our divorce decree.

I've had numerous conversations with my mortgage loan officer, her supervisor and the CEO office, stating they disregarded what was stated in my divorce decree, which they have in hand. Their response is " There is nothing we can do '' and Do not contact us again. 

So here I sit, no escrow check from the previous mortgage in the amount of {$2200.00}. 
{$1800.00} in the hole with my current mortgage. 
And to top it off - Flagstar is now charging me a third time in my current mortgage to place funds in my escrow 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 2017-12-27
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
On XXXX XXXX XXXX I paid XXXX XXXX XXXX in full for the balance of {$560.00} on XXXX XXXX I received a letter stating that I owe {$14.00}. XXXX when I try to call to ask about this outstanding amount I was given three different telephone numbers and on each number I had to wait a minimum of 15 minutes before someone arrived to tell me that I had to call yet another number. 

1. XXXX told to call MCM direct 2. XXXX told to call the collection department 3. XXXX Seems like they are not being forthcoming in resolving my account. I can see them adding fees and interest to this charge.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
My first communication with XXXX XXXX, XXXX was XX/XX/21. The second time was XX/XX/21. The third time communicating with XXXX XXXX XXXX was XX/XX/21. 

I requested XXXX XXXX, inc to provide me their method of verification and inaccurate information because the bankruptcy XXXX is reporting unlawfully and sharing to the TransUnion credit agency, and breaking the law. XXXX is breaking law because I have the RIGHT TO PRIVACY because the only institution allowed to publish my information is the United States Bankruptcy Court District of Massachusetts XXXX XXXX, and the website of Pacer.gov. 

XXXX XXXX XXXX XXXX broke the law THE RIGHT TO PRIVACY BY THE FCRA, and didnt help me, and didnt remove the inaccurate information reporting. 

XXXX XXXX XXXX XXXX Reply me with the same copy paste letter tree times.

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 2021-09-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Old information reappears or never goes away

Complaint:
I have consolidated all of my student loans, however I have old student loans that are reporting negatively on my credit report. These loans in question are between 10 to 13 years old, and double reporting on 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 explanation
Consumer complaint received 2022-03-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
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:
I am filing a complaint against Bank of America for discrimination in bank practices and violating the Fair Access to Financial Services Act. 

I have requested in writing from Bank of America the standard it uses to refund some XXXX transfer but not all XXXX transfers to its customers. Bank of America has refused to provide in writing the standard it uses to determine refunds of fraudulent transfers and why it has declined my fraudulent XXXX transfer but has refunded others.. 

While Bank of America has declined to return my fraudulent XXXX transfer from my credit card account while stating it was because it does not refund them as I okayed the transfer, please find below just two of many examples where Bank of America clearly returned fraudulent funds under the same circumstance as mine. Banking regulations are to not discriminate against customers. 

Story clearly detailingcustomer named XXXX XXXX of XXXX XXXX receiving {$3500.00} back from a fraudulent XXXX transfer. Please explain in writing how this transaction differs from mine and why this customer received a refund. She is the one who okayed the transfer, but like my case. Banking regulations are to be applied equally to all customers. If banking regulations are not to applied equally to all customers, please explain the standard for the discrimination. 

https : XXXX # : ~ : XXXX % XXXX % XXXX % XXXX % XXXX, someone % XXXX % XXXX % XXXX % XXXX. 

New article from XXXX XXXX XXXXXXXX about XXXX XXXX 's case. After the XXXX XXXX XXXX contacted Bank of America for an interview, they returned his XXXX fund transfers.Again, another example of a XXXX transfer okay and sent by the customer to a fraudster but returned by Bank of America. 

https : XXXX Bank of American must have a standard in which it is using or it would not return ANY XXXX fund transfers, as it has obviously returned other customer 's fraudulent transfers and not mine. I would like Bank of America to provide in writing the standard it uses to refund some but not all XXXX transfers. It can not blanketly state it does not return XXXX funds as these two articles clearly show that they do return funds. Unless they have a standard, then it discrimination to return some customer 's funds based on something about that customer and not to return funds to a different customer based on something about that customer.

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 2022-03-09
Company: Caliber Home Loans, Inc.
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I already sent a complaint and this company and my Land contractor is lying and now I have to find me a lawyer. I did not give them any of my personal information. Not my email, phone number or soc sec #. And you guys just went with whatever they told you so I and sending the info I have proving it happened and that I did not give it to them. XXXX XXXX AND XXXX or my My ex had to give it to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-27
Company: Bread Financial Holdings, Inc.
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I opened an account with XXXX XXXX ( XXXX XXXX XXXX ) through a promotional offer at the XXXX XXXX location in XXXX Ohio on XXXX/XXXX/XXXX. I received the statement and the balance of {$48.00} was paid and left my bank electronically on XXXX/XXXX/XXXX, within 19 days of the initial charge. On XXXX/XXXX/XXXX I was charged a late fee and on XXXX/XXXX/XXXX a min fee was charged of {$2.00} before the payment was applied that same day. I called on XXXX/XXXX/XXXX and requested to have the account closed. I felt I should not have had a statement until XXXX and the fees were excessive and unfair lending practices. I received another statement this month and now the balance has increased to {$60.00} all late fees and min fee charges with no indications on the statement that the account is closed. I called again and was told the first statement was generated on XXXX/XXXX/XXXX, 1 day after the account was opened and the initial charge because the account was opened in the middle of a statement cycle which was XXXX/XXXX/XXXX This delayed the statement reaching me via mail. The statements are generated on the XXXX of each month but do not reach you until later in the month. I feel these are unfair lending practices and fall into the predatory lending category.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-03
Company: Aargon Agency, Inc.
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have disputed this invalid debt multiple times Once with XXXX XXXX back in XX/XX/XXXX and most recently with XXXX XXXX inXX/XX/XXXX Collection agency still states the debt is valid but when I ask for the proof. I never receive a response back to actually receiving proof of the debt and how it had been validated

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-07
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On XX/XX/2021 I submitted a dispute to Equifax. It is now XX/XX/2021 and the investigation has not been completed. This investigation has taken longer than 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-15
Company: AMERICAN EXPRESS COMPANY
State: LA
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: Card was charged for something you did not purchase with the card

Complaint:
I have 2 charges that were made on my account early morning for XXXX and the other was for XXXX that was not made by me. I had to work that day I work of XX/XX/2019. I have recently sent information to the cfbp to informed them that my account was now closed due to the multiple times trying to recover the amounts on the account. Attached is a copy of my schedule in which I was working when the transactions took place and also in the previous case XXXX I had sent a police report showing the events that took place. 

please review my old case as well because both of them go together

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
This report will name Venmo as fault for lack of consumer protection. My other report is # Complaint Number XXXX. On XX/XX/2022, I was deceived by an imposter for XXXX XXXX, a hiring manager for XXXX XXXX XXXX, conducted an interview and hired me with a signed contract for a position in procurement. He told me to make payments for his vendors to deliver electronics for the new position working remotely. Someone posing as an employer spent the last 7 days online with me, conducted a 2 hour job interview, made a job offer, and hired me. He then requested I submit money to a vendor to buy a work computer and printer for my usage working from home. He hired me to work for XXXX XXXX as a procurement specialist, along with a written job offer and job description given. Through XXXX mobile banking, I submitted a check he emailed, under the guise of buying these electronics. He instructed I pay out XXXX payment on Venmo. He contacts me through XXXX XXXX, and is waiting for me to cash the next deposited check. The scammer is posing as XXXX XXXX, a hiring manager and investor communicating with me for the last 5 days. Job offer arrived by email from XXXX XXXX of XXXX XXXX. I have saved the email communication, Wire app communication, and screen shots of the bank transactions on my computer. I only chatted and emailed with " XXXX '' but no voice or zoom meetings, and never spoke to anyone. On XX/XX/XXXX, he asked me to make a Venmo payment, but I never saw it go through. I did not receive an email that it went through. The screen just went to the main screen instead of alerting " your payment has been made ''. Inside the account, it never said it was paid in the list of recent transactions. Nor was I alerted to this problem. All of this was cause for concern, so I did a stop-payment for Venmo payment at my bank. However, Venmo paid it anyway for {$1000.00} without my consent. Venmo is still seeking this payment though I stopped it. The sensitive information the scammer obtained was my Social Security number, home address, last 4 digits of my banking account, and my signature. 
I think I should not have to pay because of the faulty transactions from Venmo.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22
Company: MoneyLion Inc.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Got an email out of the blue stating there was unusual activity on my account and to contact them, I contact them and they didn't give me any answers and simply stated I'm not eligible for the account, after using it consistently for years and refuse to give me an answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-06
Company: Radius Global Solutions LLC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Repeatedly told them to not contact. They refused to listen unless I offer them my identity. Why would I give you my information when you call me from 500 different phone numbers, 17 times in 22 minutes. I've been threatened, screamed at, hung up on, and the calling for 1 ring and hanging up is getting old. I am not the person you're calling about and you illegally harass me because I won't tell you who I am? I'm in contact with a lawyer that is handling a mass suit against your companies illegal practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-03
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: Old information reappears or never goes away

Complaint:
I am writing to inform you that, this dept is old, and was placed on my credit report two years after I was told that I was charged because, I was still in their data base. I left this company before my premium was due. I was insured by another company before my premium with them expired, and before my policy expired. This dept was a car insurance company that I switch from back in XX/XX/XXXX XXXX XXXX  company is a XXXX affliate same people. This company has reported this debt again with a different amount to transunion. This debt has been removed and placed back on the report using XXXX and a larger balance owed. I did n't here anything from these people until I applied for dental insurance called XXXX back in XX/XX/XXXX representative requested my information and submitted it. The rep. told me that XXXX is with XXXX XXXX about 2 weeks later a collection was on my report. If a person truly owe you would, you wait two or more years to place the item in collections and give it a new date.

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 2022-03-09
Company: EQUIFAX, INC.
State: TN
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 recently sent you a request to reinvestigate the information that I previously disputed. I do not allow e-Oscar or any automated method of verification, It is unacceptable and I am getting upset. If the information is not immediately reinvestigated and removed and If you continue with your willful noncompliance with the law under Fair Credit Reporting Act, I reserve the rights to file a law suit against your company or any company you represent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09
Company: AMERISAVE MORTGAGE CORPORATION
State: SC
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Started refi process on XX/XX/2022 with Amerisave. Submitted documents required electronically. Paid {$420.00} Appraisal fee. 
Didn't hear from them on XX/XX/2022, this actually allowed me time to think they seemed shady. I currently have a fixed rate XXXX percent mortgage, and this one with Amerisave would be adjustable. 
I initially entered online I desired about $ XXXX cash out XXXX, and was offered $ XXXX by Amerisave. 
Not getting a warm and fuzzy, on the morning of XX/XX/2022, i emailed and requested cancellation of the entire process and a refund of my {$420.00}. They assured me a refund was forthcoming. I am not getting a reply from them now. 
No appraisal was performed pr scheduled from XX/XX/2022 to the time I requested to cancel my application on XX/XX/2022. 
I want a refund of the XXXX

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-08
Company: PDQ Services, Inc.
State: GA
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:
This account was fraudulently opened and maintained. I've contacted the company and communicated that. But they keep calling and trying to get me to pay on an account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation