BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-19
Company: SYNCHRONY FINANCIAL
State: VA
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:
The company offered bonus points on gas, food and other purchases for the month of XXXX. I decided to take advantage of the offer for bonus points. I used my card and currently have a balance of {$1100.00}. The company closed my account with no prior notice and in return I lost all the extra points I had acquired. Upon contacting the company I was told that my account was closed due to high risk! Prior to the bonus offer I had not utilize the card since XXXX, nor have I missed a payment. This company is using deceptive practices to lure customers into using their product then penalizing them. Due to the company abruptly closing my account this will affect my credit rating and score in a negative manner.

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 2020-06-26
Company: Mr. Cooper Group Inc.
State: IA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
They have misapplied my payments which results in generating unnecessary fees. I've requested help, which has not been responded. They don't employ people, they only use computers. They have not communicated with good faith. In the past, the various departments don't share information so they require multiple submission of the same information. I want to have a discussion with a person

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I filed a dispute on XX/XX/XXXX for a collection that is on my credit that does not belong to me.When I logged in to check status it said no disputes found. Today XX/XX/XXXX I called to file a dispute again.I am victim of identity theft and just went through this same situation 3 months ago.

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 2019-01-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
After requesting and receiving the Credit report that I wanted, I discovered that I could not Log-Out of the webpage ( see attached screenshot ). After calling the credit reporting company 's listed phone number, the representative told me that I should just close the computer window. When I told her of my security concerns with only shutting down the browser window, the representative proceeded to describe that I ( as the consumer ) was the one responsible for clearing out my Personal Password from my browser. This is not acceptable!! 

Therefore, I contacted the CFPB with this particular complaint.

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 2019-01-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Transunion repeatedly displays incorrect employer(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 2019-03-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
In response to a denial of an extension of credit this consumer checked with the consumer reporting agencies and found the following : 1. Your company has furnished negative information about this consumer to one or more consumer reporting agencies as shown by the accompanying exhibits.

2. This consumer is unsure of whether or not your company can show that it has complied with the notice requirements found within the consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-14
Company: General Motors Financial Company, Inc.
State: KS
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 filled out a car loan app at XXXX XXXX, they keep saying they have not received a response from GM Financial but I keep getting multiple inquiries on my credit profile. This is not fair inquiries account for 10 % of credit and having a lot of them is a reason for denial while trying to get a loan. They are hurting me financially and Im a mother of XXXX children.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16
Company: FORD MOTOR CREDIT CO.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I paid off my car and i requested the title twice i did not recive it

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16
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:
My score goes up one month and then they take it down when they re- report late payments from two years ago. I have a two year exceptional payment history, but my score is XXXX reported by Experian.. 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 2019-01-03
Company: Mr. Cooper Group Inc.
State: GA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
We are victims of excessive Mortgage Fraud. It appears Attorney 's, Judges, Bank Officials, HOA Members and MANY other agencies are involved. Fraud on both Personal and Commerical Property. The Fraud as led us into Bankruptcy. The Trustee is not doing his job but appears to violate every law in order to liquidate assets ILLEGALLY. The Fraud was uncovered my spouse during XX/XX/XXXX-XX/XX/XXXX. EVERYONE is trying to cover their tracks. IT IS PATHETIC. False Bankruptcy Claims are being filed. So, you can imagine who are involved. We contact companies to validate a debt, you CAN NEVER GET THE CORRECT INFORMATION BECAUSE IT IS FRAUDULENT or they will never file a claim, but payments have been made and stolen and the " CREW '' are continuously brainstorming ways to take us out physically continuously.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX is showing up on my credit card as a balance when it should be zero since it was transaction from a lost and stolen card and I did not authorized any of those transaction Lost card and unauthorized transaction on my XXXX XXXX Credit Card XX/XX/XXXX XXXX XXXX XXXX CA {$6.00} XX/XX/XXXX XXXX XXXX XXXX CA {$21.00} XX/XX/XXXX XXXX  XXXX XXXX CA {$22.00} XX/XX/XXXX XXXX XXXX  XXXX XXXX CA {$9.00} XX/XX/XXXX XXXX XXXX XXXX CA {$28.00} XX/XX/XXXX XXXX XXXX XXXX CA {$33.00} XXXX XXXX AR {$140.00} XX/XX/XXXX XXXX XXXX XXXX IL {$10.00} XX/XX/XXXX XXXX XXXX XXXX XXXX CA {$37.00} XX/XX/XXXX XXXX XXXX XXXX # XXXX IL {$8.00} XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX IL {$45.00} XX/XX/XXXX XXXX   XXXX  XXXX CA {$9.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX IL {$66.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX IL {$270.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Took XXXX and say that that i don't have and close both accounts

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 2019-01-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Problem with personal statement of dispute

Complaint:
disputed a public record on my credit file as fraudulent with transunion. There is a chapter XXXX bankruptcy dismissed on my credit report that I did not file. I contact the bankruptcy courts about procedures and information reported to credit bureau, which I received a letter back stating that they do not report information to the credit bureaus. I have ask for proof of the disputes from the credit bureaus which I haven't received yet, instead im getting letters back stating verified. I have disputed the bankruptcy on XX/XX/2018. I have proof that I am a victim of identity fraud. 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 2019-03-20
Company: Experian Information Solutions Inc.
State: IN
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 feel I have been a victim Several Data Breaches resulting in possible Identity Theft. The latest being XXXX XXXX XXXX The Items I have identified and highlighted on my credit report do not relate to any account or transactions that I have made or have applied for. Several Inquiries have occurred as well all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

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 2018-01-26
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
Hi Dear Coinbase Support Team. 
By mistake i have given the coinbase ETH address during XXXX  XXXX, and i have recieved my XXXX $ CRPT coins in coinbase address  XXXX. 
Please look into the issue ASAP and either transfer the token to my correct MEW ETH address or Send the transaction back to the sender. 
My friend did the same in XXXX and XXXX sent the token back to sender. 
Please do the needfull ASAP. 

Please send the transaction back to my correct ETH adress XXXX or to the sender back. 
your help is highly appreciable.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-13
Company: EQUIFAX, INC.
State: LA
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:
I have an account with Equifax which I pay for monthly. I check my credit report every day and for the last 2 months Ive noticed my credit card balances and the dates they report my balance are incorrect on my credit report. I disputed this with Equifax for 2 months and still I dont see a change. I started the disputes XX/XX/2018. My car loan is reported as closed and its not closed Im still paying on my car loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I went to kohls. I spent XXXX dollars. The lady working asked me if I wanted to open a credit card. She said I would save 35 % on my total purchase. I told her for 35 % on XXXX bucks. It is worth it. So I agreed. She then ran my information and after I was approved she scanned her coupon for opening the account. I saw XXXX dollars taken off my total. I said to her, 35 % of XXXX is not XXXX bucks and she said I dont know what happened. She asked another cashier and the other cashier said most the items I was purchasing does not qualify for the 35 %. Well, the lady who opened my account said. Sorry I didn't know about the exclusions because I'm only seasonal help. I did not have my credit ran to save XXXX dollars. I was livid about it and especially not being disclosed all the information about opening the card. I asked to speak to a manager and they said there is nothing they can do. I also called corporate and they said there is nothing they can do about me getting the 35 % percent off as promised. I should not be liable for the whole amount charged to the card. I have been scammed for opening a credit card and they are acting like it is no big deal.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-01-26
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Wrong amount charged or received

Complaint:
Coinbase charged me debit card fee on buying crypto currency in the XXXX. In the XXXX its illegal for companies to charge a fee for using their debit card for any purchase. This law came into force on the XX/XX/2018. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26
Company: AMERICAN EXPRESS COMPANY
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
Called in late XX/XX/XXXX and asked for a pay off amount. I was given a estimated pay off amount. I called back several days later, closed the account and mailed a check for the amount I was given. Soon after I received a statement in the mail saying the account was closed but there was a credit balance of {$100.00}. 

I called and asked for a check to be sent for the credit amount of {$100.00}. Several days later I received two checks on the same day. I called again and was told I needed to send one of the checks back. I told them I was not going to do that, they needed to void one. After a long debate, supervisor agreed that would happen. 

The next week, while I have not yet cashed one of their checks, I received a third check. I called again and had the same argument with operator and their supervisor and eventually was told that I could cash the first of the three checks and the other two would be cancelled. Before I could do that, I received a statement in the mail that said I owed American Express {$210.00}. 

I called yet again on a Friday, explained the whole thing and was told that my problem would be taken care of and I would receive a call back on the following Monday. When the call did not come, I called again. 

This time, after the same argument about me needing to return checks, I was told I could destroy the first two checks and cash the 3rd and my balance was now XXXX. 

Not believing this would happen, I waited a week and called back. I was told that my balance was indeed now XXXX so I deposited the 3rd check. Three days later, the check bounced and my bank took the money back out of my account. I immediately called back and was told again that a credit balance team would be taking care of my problem directly and I would receive a call back in one week. I do not believe that will happen. 

I feel as if American Express is doing everything the can to keep me from closing the account and severing ties.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-26
Company: Rocket Mortgage, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Abusive & deceptive practice at Quicken Refi request amt : {$920000.00} 1 ) Loan originally started in XX/XX/2020, approved with closing scheduled on XX/XX/XXXX, the Mobile Notary person was a few hours late ( went to a wrong place ) onXX/XX/XXXX on the first signing date. She then sent my signed closing docs back to XXXX instead of forwarding to my 2nd closing location ( my residence ), which disrupted the entire process and the 2nd closing on XX/XX/XXXXdid not occur. A third attempt was scheduled today XX/XX/XXXX@ XXXX at my XXXX  location, and there was a no show by Quicken. 

2 ) After several back and forth with Quicken, this went into XX/XX/2020, I then requested a rate refresh, Quicken came back with a lower rate but did not mention the closing cost will be 10x times higher ( deceptive practice ). I discovered this when I reviewed the docs. When I tried to reach out for a resolution, Quicken tried to stall the process. 

3 ) I then requested {$0.00} closing at 2.625 % 10 Year ARMs. Then as we enter XXXX, I received a call from Quicken telling me that the loan will be withdrawn due to the outstanding time-because of their stalling tactic. Quicken then offered a new price, including points which was exactly what they had offered in XXXX, 10X times higher than the original closing cost. Which appears like a dirty tactic to force me to withdraw from the loan. Another abusive and deceptive act!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-03
Company: EQUIFAX, INC.
State: NV
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:
equifax has to remove ... XXXX ... XXXX XXXX XXXX ... XXXX  XXXX ... XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
Company: Possible Financial Inc
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am hoping that you can help me with my an issues I am having with a creditor. Possible Financial Inc account # XXXXThey are reporting that I still owe them {$76.00} which I do not. This has been paid since for almost a year now. I have been fighting with the credit bureaus to remove this balance. I have try calling Possible Financial at XXXX that is the number listed on the credit report. Well come to my surprise they do not take phone calls. How is someone to get ahold of a real person to discuss their account if they do not take phone calls? All I is the balance to be at XXXX. I have been trying to get this settled since XXXX of this year with no luck. Please help so I can purchase a home for my family and I.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to pay a bill

Complaint:
I have a prepaid debit, Bluebird card, with American Express. On Thursday, XX/XX/XXXX American Express locked my funds, turned off their website on my computer, and turned off their app on my smartphone. I have repeatedly called their customer service number XXXX XXXX XXXX XXXX. I have repeatedly been told American Express has deemed me a perpetrator of a fraud and locked me out from my money. I really don't use the card all that much, and have CERTAINLY NEVER used it in a fraud attempt. American Express will not tell me what fraud it is they think I have committed, nor will they tell me when I will be able to get to my money. I do appreciate we are only talking about XXXX XXXX dollars, but I really resent their " steam roller '' attitude toward me. I also don't want American Express to treat others they way I have been treated. Please do what you can. I appreciate it. Stay Safe! XXXX XXXX Bluebird card number XXXX XXXX XXXX XXXX ) XXXX XXXX. 

American Express wrote CFPB back on XX/XX/XXXX the following : CFPB Ref No : XXXX Ref : XXXX Account Ending in XXXX Dear XXXX XXXX, Were writing in response to your recent correspondence to the Consumer Financial Protection Bureau ( CFPB ). We unlocked your account. 

This response is a total and complete lie! I am sitting here on Friday, XX/XX/XXXX. The card DOES NOT work, the website DOES NOT work, and the app on my phone DOES NOT work! 

Does American Express routinely lie to the CFPB? Are there any repercussions for American Express lying to the CFPB? Is there any other agency out there American Express is accountable to? 

I do appreciate we are only talking about XXXX XXXX dollars, but I really resent their " steam roller '' attitude toward me. I also don't want American Express to treat others they way I have been treated. Please do what you can. I appreciate it. Stay Safe! XXXX XXXX Bluebird card number XXXX XXXX XXXX XXXX ) XXXX XXXX.

Company response to consumer: Closed with explanation