BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-12-29
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XXXX/XXXX/XXXX, I attempted to purchase dinner at XXXX XXXX for {$42.00}. My debit card ( ending XXXX ) was denied twice, even though I had {$370.00} approx. funds on deposit. I then used my debit card from my daughter XXXX XXXX XXXX XXXX account ( ending XXXX ), in which the entry was approved. When I called XXXX, they told me there could be a series of events that could flag as my card for suspicious transactions. That would make perfect sense if I had made several transactions. This was not the case. I would even understand if the transactions were in larger amounts than normal, which again was not the case. On XXXX I used the work vending machine {$2.00}. XXXX, I used XXXX ATM and transferred {$110.00} to my daughter 's account ( I transfer funds every month ) and paid my XXXX XXXX. On XXXX, purchase at XXXX {$5.00}. These series of events flagged my card as suspicious?!? 

It is horrible that XXXX, who is a multi- billion dollar FI is denying transactions that does n't even sum up more than the {$50.00} of the minimal liability of a REG E claim!!! 
This is horrible. Why should customers be denied for transactions for such small amounts, and embarrassed and then having to clear up an misunderstanding with them when there was not misunderstanding ... again, I had the funds on deposit!?! 
This is NOT good business and lousier customer service!

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 2017-09-30
Company: AMERICAN EXPRESS COMPANY
State: MA
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:
XX/XX/XXXX at XXXX XXXX I received the following Email : Title : Do n't Forget : Earn XXXX Membership Rewards ( R ) Points Dear XXXX, This is a reminder that you can earn XXXX Membership Rewards Points after you spend {$2000.00} in eligible purchases on the Card between XX/XX/XXXX and XXXX/XXXX/XXXX as part of your original welcome bonus offer when you received your Card. 

Points will be credited to your Membership Rewards account within 6-8 weeks after charges appear on your monthly billing statement. 

If you have any questions, please call the number on the back of your Card. 

Thank you for your Card Membership, American Express Customer Care So I spent more than XXXX later but did not received the claimed bonus. After I contacted more than 3 representative, they said the date was not correct. The spending frame should actually start from XX/XX/XXXX. So they suggested me to spend another XXXX, instead of righting their wrongs : issue the bonus to me right away. One of them even claimed it was my fault for reading terms when I opened the account. I think Amex should admit their mistakes and compensate their customer instead of stimulating him to spend more on their product. After I spent long time arguing with them, they agreed to open an " internal investigation '' and wanted me check with them in 6-8 weeks. 

I had some bad experience with the so called investigation on a different issue : last time one representative told me to come back in one week for a satisfactory answer. I did but was only told by another representative no result yet. I kept doing this for two months, wasted a lot of time, and eventually gave up. Even today I still did n't get any result. So this time I suggested the agent to send me an email once there was any result but the agent said they are not able to do that. I really do n't want to waste my time waiting on a void answer. Wanted to say something more and the chat got disconnected, again! I tried to contact them earlier and it got disconnected too after I spent a lot of time explaining this issue. 

So I decide to stop wasting my time and finally file a complaint here. I think Amex 's attitude is problematic.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-29
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
The credit bureau is refusing to delete two collection accounts on my credit report that are not mine. They are all reporting under the same collection company called " XXXX XXXX '' with different account numbers. The first account is for {$2900.00} with account number # XXXX. The second account is for {$1000.00} with account number # XXXX. I have spoken to representatives at this XXXX XXXX company and the records that they have do not match my personal information. I was directed to dispute these errors with the credit bureau to have them deleted from my credit but the credit bureau is coming back telling me that I need to contact them back. I am being given the runaround when the issue is really with the credit bureau who does not want to fix their mistake.

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 2017-07-06
Company: CHARLES SCHWAB CORPORATION, THE
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Confusing or missing disclosures

Complaint:
On XX/XX/XXXX, I was approved on line for opening a checking account and brokerage account by Charles Schwab Bank. I setup a password and user ID and was able to log on to the account and select funding options. I decided to use direct deposit to fund my account. I also used online chat to verify the account was open and could be funded by direct deposit. No where was I provided any INFORMATION about the account not being fully approved. On XX/XX/XXXX, I reached out to my employer and setup direct deposit. My first deposit to fund my newly opened checking account was going to be on XX/XX/XXXX. Today I logged on to Charles Schwab to confirm if my direct deposit was received. When attempting to log on to the account, I was unsuccessful and received a message stating " this account is now closed ''. This message validates the account was approved and opened. I did not receive any information by email or paper mail informing me the account was closed. I called their customer service and was informed the account was not approved based on information obtained from my XXXX Credit Report. This is something they should have known at the time of approving and opening the account one week prior. My direct deposit will now be returned to my employer and a paper check will be mailed to me. It may take up to 10 days. Not only is this the primary inconvenience, I also closed my other checking account the day after opening the Charles Schwab checking account. There must be some form of legal action I can take against this pathetic bank/brokerage company. No big deal if I 'm not the client Charles Schwab is looking for, just let me know at the time I apply. Do not open my account and change your decision a week later leaving me with no money and a returned direct deposit. This is going to be difficult to explain to my employer about the direct deposit being returned.

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 2017-09-30
Company: Experian Information Solutions Inc.
State: CA
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:
On the evening of XXXX XXXX, 2017 I phoned Experian to remove two addresses that I am not associated with and inquires that I did n't recall authorizing. They refused to investigate and told me they can not do anything. I must call each creditor and ask them to remove the inquiry. I asked what if the creditor does n't respond, the rep said just keep trying.

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 2022-03-22
Company: MOUNTAIN AMERICA FEDERAL CREDIT UNION
State: NM
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: Problem with personal statement of dispute

Complaint:
I had amazing credit until recently when XXXX reported that I was past due on my payment some time in XX/XX/XXXX '. When I received an alert saying my credit score had dropped I was dumbfounded to learn that my car loan company was claiming I had not made a payment in two months. Upon checking my account through their app I learned my scheduled payments were no longer being applied for reasons even they could not explain so in XX/XX/XXXX ' I promptly brought my account current and while disappoint it had negatively impacted my credit score I assumed responsibility and made sure my correct card info was there and that I'd get alerts should parents not post going forward. Well it happened again for XXXX. To summarize I'm paying my car note from the same account I've been paying from for the last year and despite the funds being fully available and them confirming per their app payment was posted only for several days later to be returned unpayed without any notice or attempts at contacting me either by phone or even an automated alert to which I'm signed up for leaving me to not see this until I am paying the following month. When I contacted XXXX to gain insight on the matter ( sidenote : I had also been having concerns due to the fact I'd been receiving notices someone accessed my account with my login info when I had not logged in myself ) the representative admitted they had been having issues with alerts and could not give me a reason why they were not sending any email or calls about it and that I'd have to dispute the late payment reported on credit. Well I did dispute the first one and didn't get a clear reason why it hadn't been removed. I'm currently trying to buy my first house and obviously this should be detrimental to the ability to qualify for a loan to do so which has already been a struggle for other reason I'm dispute on another claim. It's clear from my bank statement the funds were available to make the payments and recording from XXXX acknowledging them being unsure why it didn't go through either and the representative inability to remove the late payment status as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-30
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
X/XX/2017, {$20.00} I believe I should be able to request a credit freeze without cost, as I never asked experian, XXXX or any other company to collect and sell my financial data. I believe opting out of this service, reporting my financial data to creditors, a service I was enrolled in without consent, should not come at a cost. XXXX offers a free credit freeze so it is certainly possible. I have attempted to contact credit bureaus to express this belief without success 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 2022-04-26
Company: Experian Information Solutions Inc.
State: PA
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 # ending in 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.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose SHOW LESS

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 2020-04-24
Company: Square Inc
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I was paying payments for a trip through cash app. I paid {$100.00} XX/XX/XXXX, XX/XX/XXXX {$260.00},, XX/XX/XXXX {$260.00}, and XX/XX/XXXX {$260.00}. I was told my trip was confirmed. Then she said it was cancel and they gave us a better deal. Today I called XXXX  and was told flight was canceled XXXX received full refund. She never told me I was refunded. Today I asked her about it and she said the flight was still on. I asked for my ticket number and she can not confirm it. Then she text and said she will confirm Sunday. Cash app and my bank ( XXXX XXXX ) will not help

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-30
Company: SYNCHRONY FINANCIAL
State: FL
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:
While organizing the bank statement I noticed ( finally ) a recurring charge I did not recognize. This is a CareCredit card. This was originally started by my husband back in XXXX and I believe it was a type of home loan. Unable to access anything about the card, company, representatives, I can not be certain. I am ashamed of myself that I never even noticed it. I am XXXX and now my daughter is helping me. 

I have exhausted every method to get information from CareCredit/Synchrony -- payments are recurring to XXXX XXXX XXXX. That is all I get for information. This has actually been continuing on for 6+ years! 

I did manage to get a little peek at account numbers they were helping themselves to. The original account was open when my husband was alive using a totally different account # than what I can pull up now. I did stop the account however it just kept on taking money along with extremely high interest for over 4 years. The total taken out of my checking account with the partial report I generated was close to {$6000.00}. That is without the interest! I am in disbelief that there is absolutely no way to view any information. The Synchrony " sign on '' page is almost like it is fake. They know nothing of your account when you try to get help. I am on a fixed income and it is my hope that you will be able to stop these companies that do anything they want. I am very happy I finally noticed it. The charges went from {$12.00} - {$25.00} - {$75.00} - {$130.00} and up. Oh, forgot about the late charges in fine print at the last line. Obviously you never, ever pay it down and if you are not really focused like myself, your money just dwindles away. 
Charges for interest if the entire amount is not paid by the " promotion '' window of time, they charge 29 %, RETRO from when you first got the loan! It was over {$16000.00}. I believe. Please let me know if you take these guys in by their ... just do n't forget to grab all of my money first! 

If you need to ask more questions, please let me know.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-09-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
I contacted XXXX XXXX on XXXX XXXX, 2017 & spoke to a rep by the name of XXXX & she assured me that NO ONE from TransUnion verified anything in regards to my credit file & that my XXXX XXXX file has been frozen since XXXX XXXX, 2017. I also contacted the New York Federal Court on the same day & was also told that NO ONE from TransUnion verified any type of bankruptcies.

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 2022-04-26
Company: CCS Financial Services, Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XX/XX/22 I discovered the debt on my credit report XX/XX/22 I reached out to the original creditor, XXXX XXXX XXXX, to confirm the debt. They confirmed that the amount had been owed, but that I would need to call Consumer Collection Services to determine current balance owed. 
XX/XX/22 I reached out to the current creditor Consumer Collection Services ( CCS ) at XXXX Upon reaching the current creditor, I offered to make a settlement. They advised that doing a settlement instead of a full payment would negatively affect my credit report. So I made a full payment. During this process, however, I advised that I needed some sort of proof that I made a payment to the company in question. They advised that proof of payment wasnt available for 8 days after the payment processed. They did offer to give me a confirmation number, which I thought was going to be electronically provided to me because they asked me to enroll in their email notification program. 
Once the payment processing was complete, I found out that they were not going to provide the confirmation number electronically, and they would only provide it verbally. 
I escalated to a supervisor, because I needed proof of payment to provide to an apartment complex I am trying to live at. Once at the supervisor, I advised of the situation and she said there was no way for her to provide that information. I thought this was kind of weird, so I asked for proof of payment. She refused to provide me proof of payment saying that now that the account has been paid for she had no way of providing me the requested documents. 

She did offer me to send a letter by mail to CCS XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX however that was only after I started demanding proof of debt, and that again doesnt help me prove even that the debt is real much less that the debt was paid within the 5 days I have to move into a new apartment. According to the supervisor, once an account is closed there is no way for them to provide records whether or not I mail them anyway so why would I waste my time.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VT
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I already submitted similar complain 3 times. 
Issue was not resolved

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 2019-04-10
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
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: Problem with personal statement of dispute

Complaint:
I was a victim of a fire that destroyed my home in XXXX of 2018. Months later I am trying to buy a new home and am having a hard time because my previous mortgage company ( Select Portfolio Servicing ) reported that I had a payment 90 days late. I have proof that the forbearance plan they gave me after the fire was followed, as well as payments made for the most recent two payments prior to the date of loss in the fire. They refuse to remove the 90 day late payment even though it's not valid. There is no 30, or 60 day showing on my credit, only the 90 day. They say it's because XXXX, XXXX and XXXX payments weren't made, but the forbearance agreement stated there was no payment due for those months and the balloon payment was due in XXXX. The insurance paid off my mortgage at Select Portfolio Servicing on XX/XX/XXXX, so the loan was paid off prior to the balloon payment being due. I have called and written to the company several times along with my new mortgage lender between XXXX and XXXX. The last conversation was with my new mortgage lender and them on XX/XX/XXXX. They still refused to remove the late payment even though they can not explain why it's on my credit. I am legally XXXX and my wife and I are elderly. Not only have we been through a devastating fire and loss of our home, but now we are having an issue getting a new home because of this company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-18
Company: DISCOVER BANK
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
On this date XX/XX/XXXX I contacted the Financial Hardship Dept. of Discover Card, XXXX asking to be enrolled in the Payment Assist. Program because I can no longer afford paying Discover {$97.00} a month, I was denied of the right to have access to the assistance program stating that XXXX does not have such a program and they could only lower the interest to 12.99 % if the account was suspended and I have to disclosed my bank account information and pay them immediately another {$97.00} before the due date of my next monthly bill which is XX/XX/XXXX. Please investigate as I find Discover Card has corrupt business practices and should not deny assistance when a consumer initiates the first step in good will to stay in good standing. Thank you.

Company response to consumer: Closed with non-monetary relief