BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-07
Company: Chime Financial Inc
State: GA
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
They closed my account due to PPP Loan being deposited I was not told warned and now my money is in my account and they just closed it stating due to the loan going in to my account they closed my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Public record information inaccurate

Complaint:
The information on my report is inaccurate and needs to be removed immediately. If validation can not be provided by the court with whom is the original party, it must be removed from 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 2018-06-26
Company: U.S. BANCORP
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
XXXX months ago my credit card co. Sent my bill to an address that I never lived at by the time. I got the bill and sent it in it was late and i was charged slate fee.l called the customer service number and informed them of their error. ( XXXX ) XXXX. This month they are doing the same thing. I have tried to call customer service again to resolve this issue at ( XXXX ) XXXX but all I get are long stream of offers and at the end of them I get disconnected.

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 2018-06-26
Company: Selene Finance LP
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
We recently bought a new house and our loan was bought by several companies before staying with Selene finance. We paid our first payment ( XXXX ) via check. It was made out to Selene and they cashed it and it cleared our bank. When we went to set up our online profile on their website a month later it had said that we didn't pay for the month of XXXX. When we called them to find out what happened to the XXXX payment we were told that it was " reversed '' ( they couldn't tell us who reversed it or why ). We never got our payment refunded to our bank though. We have called dozens of times and each time we have gotten different answers on why it was reversed and why we didn't get our money refunded. Reasons varied from the payment was for a month prior to us buying the house, the routing number on the check was hard to read, they didn't even see the check and they didn't know why it was reversed and one time they just hung up without ever calling back. We were also told that we made it out to the previous lender but we sent them a copy of the cleared check showing it was made out to Selene finance. They had stamped the back and cashed it. Every time we talked to someone they said they'd find out and call us back. No one ever called back. After several calls they said they would look into it. Shortly after that we received a letter saying that they would investigate over the next 30 days and they wouldn't report any detrimental info to the credit agencies. The 30 days is almost up and no one has called. After we called several more times they have not gotten any info on what is happening. We were not allowed to pay our XXXX payment because the system wouldn't let us without repaying for XXXX. Recently we received certified mail stating that we were in default for failure to pay. We called and got in touch with the supervisor XXXX who said he'd look into it and get to the bottom of it and call us back. That was several days ago. I called again and was told that the default was still in effect but after everything is sorted out it should all fix itself and fall into place. They could not give me a time frame on when it would be figured out.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07
Company: CITIBANK, N.A.
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: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to the incorrect items on my credit report. it has been well over 30 days and I haven't received any investigation results.

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 2021-05-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Advised Kohls XXXX regarding scheduled payment process. Never received email on confirmation. Filed complaintwith XXXX  XXXX  XXXX. They saidIn your letter dated XXXX XXXX. 2021 you stated " Our records show that on XX/XX/2021, you authorized a payment for {$48.00} through the Kohls mobile app ( confirmation number XXXX XXXX to post to your account on XX/XX/2021. On XX/XX/2021, you authorized a second payment for {$48.00} through the Kohls mobile app ( confirmation number XXXX XXXX to post to your account on XX/XX/2021. '' However, in your letter dated XX/XX/2021 you stated " Upon further review, we found that the 2 payments referenced in your complaint were made through Kohls Credit Card Management. Payment confirmation emails are not sent for payments made through this channel. Any prior payments not made through this channel would generate a payment confirmation email '' So ... ..which is it??? 

As I have previously stated, I HAVE NEVER CHANGED THE WAY I MADE SCHEDULED PAYMENTS. Enclosed an email on a " SCHEDULED PAYMENT I made FROM my laptop on XX/XX/2021 for a PAYMENT to be made XX/XX/2021 that I RECEIVED AN EMAIL CONFORMATION. 

Investigate this transaction & provide the CORRECT information because the information I am providing you does not MATCH either of your scenarios From : " XXXX '' XXXX To : " XXXX '' XXXX Sent : Friday, XX/XX/2021, XXXX AM CST Subject : Payment Confirmation Dear XXXX XXXX XXXX, Thank you for using My Kohl 's Charge to schedule a one time payment. Details for this transaction can be found below. 

Confirmation Number : XXXX Amount : {$34.00} Date to be Withdrawn : XX/XX/2021 Funding Account : XXXX Payments submitted before XXXX XXXX  CT will be processed the same day and posted to your account the next business day ( excluding weekends and holidays ). If you would like to review this payment, simply access My Kohl 's Charge. 

Sincerely, Kohl 's Customer Service I received on XX/XX/XXXX. 2021 a letter stating they have closed my account effective XX/XX/2021 2021

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03
Company: PNC Bank N.A.
State: MN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Beginning with the XXXX mortgage payment, my servicer determined a large shortage in projected escrow and began collecting monthly catchup payments. In late XXXX, I reviewed the shortage calculation and noted that they calculate the shortage due to a property tax disbursement scheduled for XX/XX/2020. However, my county has tax due date of XX/XX/2020. Thus, my escrow shortage was determined to be one normal monthly payment larger than actually required. I contacted my servicer, who indicated that their policy is to pay taxes early. I don't think it makes sense that they can institute a policy that accelerates payment needs to them arbitrarily. My understanding is that under Regulations, the servicer is allowed to keep as a reserve up to two months of escrow payments ; however, by paying taxes early the servicer is able to manipulate and overstate the shortage.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15
Company: CITIZENS FINANCIAL GROUP, INC.
State: MN
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:
There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. On XXXX. XXXX,XX/XX/XXXX, XX/XX/XXXX/CBNA, CITIZENS ONE AUTO FI andXX/XX/XXXXadd a hard inquiries on my credit reports. The report does not include information about the creditors. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-23
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I noticed that 10 accounts on my credit report that is currently in litigation that should not be showing on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-02
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
As of today XXXX XXXX, 2017 I sold my shares of XXXX at the coinbase website with the currency amounting XXXX After selling the currency, the USD wallet disappeared with no way to be able to send the funds back to my personal bank account - also no email confirmation of transaction Money and wallet disappeared. Have tried to reach out to to their customer service several times with no reply dating back to 3 weeks for other issues as well.
I believe this company is fraudulent and needs to be investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07
Company: JPMORGAN CHASE & CO.
State: MI
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
XXXX XXXX XXXX chase bank decided that we were bad customers, after a 30+ year relationship. 

they then closed our personal and business accounts, and took 3 weeks to return our funds without a proper accounting included with the payments, leaving us stranded for understanding with NO AUDIT TRAIL to be available. 

This was with : XXXX XXXX and an inexperienced teller that she decided was more valuable than the clients. 

The teller kept demanding more documentation, to the point that the cartridge was passed 4 times to me during this sensitive period of NON CONTACT COVID RULES. 

They do not clean or disinfect the bank property properly. 

chase bank are arrogant monsters that deserve to be broken up

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Transunion refuses to investigate my claims that I am a victim of identity theft even though I have a police report. They are in violation of the FCRA.

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 2019-05-31
Company: EQUIFAX, INC.
State: AZ
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX  XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX ;

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-30
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I have been receiving robo calls repeatedly at work from number ( XXXX ) XXXX. When I try to call back, no one answers. Today ( XX/XX/XXXX.18 ) I  received a call from the County Court House which I believe was a spoofed number because when I called back, they had no information on me. They are imitating a legitimate number ( XXXX ) XXXX. 

XXXX XXXX is the company that has been calling me. I reached them at ( XXXX ) XXXX, which is the number I was given by the courthouse. I also have an " Affidavit '' number of XXXX, which was given to me. I was hung up on. I tried calling numerous times afterwards trying to get information but they continue to hang up on me. I started recording the phone calls and made them aware. Once I did that, they changed their tune and told me that I have the wrong number. This is AFTER they threatened me and said " See you in court. '' They are not giving me any information, they continue to harass and threaten me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07
Company: Paramount Capital Group, Inc.
State: CT
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I paid my loan off in full and they ask me for a {$30.00} fee. First they call it interest. I complained that there is no interest in the first year. Than they call it pay off fee. I complained there is no pay off fee. Now the call it late fee, because the claime I send the pay off check to late. The date for the mtl. fee ( was paied by my companie before ) the XXXX of the month, with a grace period of 10 days. I send the check on XXXX and I will pay the late fee ( witch is in the contract {$15.00} ) if they can proof to me that the check came in after the XXXX. This conversation I hat on Mon.XXXX. On Tue.XXXX, the check was cashed out of my account. Accourding to my bank, a check takes 3-4 business days to get cashed out of my account. So they must have hat the check before XXXX. There explanation : The XXXX was a Sun. and the Post Office is closed. The XXXX was a Sat. and we don't pick up mail on Sat. and you have to pay the fee.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-04-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Bank of America is currently engaging in dual tracking during the modification process and trying to claim ownership of the mortgage. I submitted documents during the month of XX/XX/XXXX, for a loan modification. Please see attached document! 

The CFPB issued amendments on XX/XX/XXXX, The rule issued establishes new protections for consumers, including : Requiring servicers to notify borrowers when loss mitigation applications are complete : Whether a borrower is entitled to key foreclosure protections depends in part on the date a borrower completes a loss mitigation application. If consumers do not know the status of their application, they can not know the status of those foreclosure protections. 

The final rule requires servicers to notify borrowers promptly and in writing that the application is complete, so that borrowers know the status of the application and have more information about their protections. 

The CFPBs new rule clarifies that, if a servicer has already made the first foreclosure notice or filing and receives a timely complete application, servicers and their foreclosure counsel must not move for a foreclosure judgment or order of sale, or conduct a foreclosure sale, even if a third party conducts the sale proceedings, unless the borrowers loss mitigation application is properly denied, withdrawn, or the borrower fails to perform on a loss mitigation agreement.

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 2021-01-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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: Was not notified of investigation status or results

Complaint:
On XXXX, I sent a letter regarding inaccurate information on my credit report. To this day, over 60 days later, and I have not received a response. I feel as though I am being taken advantage of and being ignored on my disputes. Section 611 ( a ), plainly states that a failure to investigate these items within 30 days, gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the XXXX that has been caused. My information was also impacted in the XXXX Data Breach and may have gotten into the hands of the wrong person.

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 2018-04-30
Company: U.S. BANCORP
State: UT
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:
This complaint is in regards to US Bank and their XXXX XXXX XXXX   XXXX Card : Background : In XX/XX/XXXX and XX/XX/XXXX, I received multiple offers in the mail and via email. I received one advertisement/offer that stated I would get 0 % APR on purchases for 12 billing cycles. A few days later i saw another email that was offering XXXX reward points for signing up. I preferred the 0 % APR offer so I applied through that email. I was approved in XX/XX/XXXX, i started using the card immediately. In XX/XX/XXXX, I then noticed that i wasn't receiving 0 % APR i so i called and spoke with multiple customer services reps and they were completely awful, they sounded so inexperienced. I then faxed a letter and sent them an email stating my frustration about not receiving the 0 % APR. 

In XX/XX/XXXX, i received a response and letter from US Bank president or vice president.. She said that i actually was approved for the XXXX reward points and NOT the 0 % APR. I said " okay.. that's fine, I'll take the XXXX points then. The letter also stated that i would receive the points in the next cycle ( certificates are mailed out in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. XX/XX/XXXX rolled around and no certificates were mailed out, i haven't received anything. 

It's now end of XX/XX/XXXX-XX/XX/XXXX and I still haven't received ANY REWARDS certificates. I was told by a rep on XX/XX/XXXX rep that i would receive them and they were mailed out on XX/XX/XXXX. After waiting a few weeks i called again and I was told by a supervisor on XX/XX/XXXX that there was a system glitch that prevented me from getting the certificates.I just feel like I've been lied to. I was supposed to get XXXX reward points for signing up for the card and I didn't receive any certificates for that. I've now accumulated over 30,000 reward points and haven't gotten rewarded for my usage of the card. I also sent an email to US Bank on XX/XX/XXXX and haven't heard back from them This is completely misleading and if I had enough money i would attempt to file a lawsuit but i'm just an average middle class american trying to survive and I mainly use this card just for groceries at XXXX. I'm extremely disappointed.

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 2018-04-30
Company: CITIBANK, N.A.
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
If regulated banks such as XXXX and Citi are allowed to discriminate as to which companies and individuals they allow to do business with based on their personal preferences or political beliefs and insert themselves into social engineering, then where is the line drawn? XXXX vs XXXX banks, straight vs XXXX banks, and gun owners vs non gun owners? When the next financial disaster occurs will we voters be allowed to give a thumbs up or down on each whether they get a taxpayer bailout or not?

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 2018-04-30
Company: Capital Accounts, LLC
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I pulled my annual credit report to find out that there was a collections on my report from a company called Capital Accounts LLC. I have no idea who this company is and I was not notified of the debt or the option to dispute it.

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