BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-02-18
Company: SYNCHRONY FINANCIAL
State: GA
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:
On XX/XX/ 2018 both Synchrony bank and ourselves realized there was fraudulent activity on our card. We reported this activity on XX/XX/XXXX and it was resolved on XX/XX/XXXX. However, Synchrony bank failed to inform us, yet they continued debiting our bank account for the minimum payment in the month of XXXX and the month of XXXX. During the month of XXXX and XXXX we received no correspondence from Synchrony bank. We didnt receive new cards, paperwork regarding our new account details or any information letting us know the case had been resolved. In XXXX we called again asking about the fraudulent activity and the new cards, again they told us they would be sending out the information and we would get the new cards and the account resolution, but XXXX came around and still nothing. At the end of XXXX we received notification via email that we had to pay a minimum of {$670.00} on a {$16000.00} credit card statement. How was this possible?? We had no card for two months and no resolution to the fraudulent activity. Moreover our balance was only limited to {$12000.00} and we had only spent {$5000.00} prior to the fraudulent activity. So we called again on XX/XX/XXXX to ask about the charges, and we also noticed that the control number had changed of which we had no access to. On theXX/XX/XXXX they also direct debuted {$670.00} from our account as a minimum charge for the {$16000.00} worthy of fraudulent activity. We called them again on the XXXX if XXXX and XXXX of XXXX. They then thought we were opening a new case and when I called them on the XXXX they had no justifiable reason for why new cards had not been sent out, our case had not been resolved, and no correspondence had been sent out regarding the new account details or a resolution to the fraudulent activity. Even though the case had been resolved on XX/XX/XXXX, they still transferred the {$16000.00} from one account to the new account and transferred over the direct debit on our bank account. The last time we spoke to Synchrony bank was XX/XX/XXXX. It is now XX/XX/XXXX and they still have not sent us new cards, they still continue to debit our bank account for the {$16000.00} worth of fraudulent activity, and there still has been to correspondence regarding the new account details. We got these credit cards through XXXX XXXX and when we have filled these complaints with XXXX XXXX, they just send us to the bank.

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 2022-03-01
Company: VW Credit
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I noticed that my standard monthly payment to Audi Financial had not been withdrawn. Due to to my entire family having XXXX, I was not monitoring my bank account as much during the month of XXXX. I logged in and looked on XX/XX/XXXX and noticed it was not withdrawn. I had tried to manually process the payment on XX/XX/XXXX. Apparently it was rejected by my bank. Not sure if the account number was wrong or what but my account has plenty of funds. 

On XX/XX/XXXX Audi posted a letter in my " MyAudi '' account which I have no reason to ever check. This letter stated my payment was returned. My payment was due on XX/XX/XXXX. No phone call from Audi saying your payment is about to be 30 days late. No contact. No email to my personal email address which I always check. No phone call to let me know there was an issue. They mailed me a letter which was received after the XX/XX/XXXX due date. 

It took them about 24 hours to report my account as 30 days past due to the Credit Bureaus. All 3 of them. I have emailed Audi, sent letters to the CEO, and sent letters to dispute this information. 

If a company is going to be allowed to do this during XXXX pandemic for a customer who has made every payment on time to Audi over the last 3-years that is despicable. They have an obligation to pick up the phone and call me IMMEDIATELY when they see the payment returned.

I have subsequently again processed the payment due. I have never missed a payment 30 days late in over 20 years of having credit. When I have tried to process the payment I think Audi 's system is changing my account number to my bank routing number and that is why it appears the payment was rejected. Whether this is Audi 's system mistake or my input mistake one will never know. But, the truth is Audi should have immediately picked up the phone and called me either way on XX/XX/XXXX when the payment was rejected. The error could have been rectified prior to the XX/XX/XXXX date when the payment became 30 days late. They should have also shown more care for a family dealing with the XXXX pandemic and inflicted with the virus. 

Audi needs to correct this issue immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30
Company: U.S. BANCORP
State: AZ
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:
On or about XX/XX/XXXX I noticed a XXXX charge for XXXX on my account ending in XXXX. I called Elan Financial Services to advise of the fraud charge. They opened a fraud alert and cancelled my card. They assured me that the the account was closed and no other charges would occur. I received my new card and noticed a feature on the credit card application XXXX that showed a " reoccurring charge '' of {$14.00} for XXXX. I called customer service and they told me not to worry about it, that it was for the other card number and I won't have a problem or new charge again. Yesterday XX/XX/XXXX I noticed another charge for XXXX for {$14.00} under my new card ending in XXXX. I called Elan Financial Service again, went over everything. A new fraud claim was opened, a new credit card was issued. They said they won't follow up with XXXX, they also told me that I can either keep my account open or just " close it for good '' because XXXX in the Fraud Department who said she is the " main XXXX  '' said this charge will " just keep happening '' and there is NOTHING THE BANK/Financial Institution will do. I asked to speak to a XXXX she refused to transfer. She basically did NOTHING to resolve my now ongoing problem. I advised I would file a complaint with the CFBP she didn't care. I contacted XXXX, they advised me a of a partial email account of the fake account. They also stated that I would not receive any further charges on either account. They XXXX XXXX  ) also stated they would issue two refunds to Elan Financial for each charge. I did the work of Elan Financial Service- My credit card company.

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 2021-02-22
Company: U.S. BANCORP
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
US Bank sent me a ReliaCard that I didnt apply for.

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 2018-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have sent over multiple letters to Transunion with the last one being dated XX/XX/XXXX. I have asked that the following inquiries be removed from my report as I have not be provided anything showing I authorized them.

XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XX/XX/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 2017-12-08
Company: Experian Information Solutions Inc.
State: DC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have several credit inquiries from multiple companies on XXXX XXXX, 2017. I contacted the credit bureaus to dispute them and was told I would need file a police report and to contact the companies, which I did ( all they could tell me that my information was in their system ). I asked why I would need to file a police report for an intangible issue and that no credit was issied, Just an unauthorized inquiry. The information is still on my report and i cant get any help from the bureaus or the companies. 

XXXX -XXXX XXXX and XXXX XXXX XXXX Experian- XXXX XXXX, XXXX XXXX XXXX XXXX - XXXX XXXX XXXX , 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 2018-06-06
Company: SN SERVICING CORPORATION
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX XXXX and his wife bought his house on XX/XX/XXXX, after that they refinanced his loan ( XXXX ) on XX/XX/XXXX. As a result of supposedly a bad procedure when the agents recorded the certificate of satisfaction of the previous loan and the new loans, XXXX never recorded the release of his lien. 
Mr & Mrs XXXX were not aware of the mistake and about that they had a pending remaining balance, until they received a FORECLOSURE letter with sale date scheduled for XX/XX/XXXX. 
They were desperate and on XX/XX/XXXX filed Bankruptcy chapter XXXX ( case # XXXX ) to keep their home, the chapter XXXX plan was confirmed and the bankruptcy completed. 
During the Chapter XXXX bankruptcy XXXX obtained the loan modification with XXXX XXXX on XX/XX/XXXX. The principal balance originally was {$13000.00}, the Loan Modification capitalized the arrears, and the new balance after modification is {$23000.00}, then after the loan modification that started on XX/XX/XXXX. He made ALL THE REQUIRED PAYMENTS. 
But during the last 6 months the loan was changed 3 times of name / servicer, and the present servicer SN Servicing Corporation, sent a statement informing that he is behind and will add fees and will foreclose the property. A representative ( XXXX ) called XXXX frequently trying to collect the payments and trying to add late fees. 
Copies of the payments are attached and the letters received. Please note that XXXX sent a money order that was never reflected on his statement and he had no option that send the payment again.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-21
Company: BARCLAYS BANK DELAWARE
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On Sunday XX/XX/2021 I bought a plane ticket from XXXX XXXX using my JetBlue Barclays Card. The cost was {$420.00}. 
Several hours after the purchase XXXX XXXX sent me an email saying that the purchase could not be processed, but didnt say why. 
I called and they said that they needed to validate my credit card and they requested copies of my card and my drivers license. I sent those copies by email. On Tuesday XX/XX/XXXX they charged my credit card for {$420.00} but they still did not give me the plane ticket. 
On Friday, XX/XX/XXXX they still had not given me the plane ticket and they wouldnt say why when I called, so I opened a complaint with the credit card company. 
After one month the credit card company said they cant process the complaint because I never sent them requested documents. THEY NEVER REQUESTED ANY DOCUMENTS. 
I reopened the case against and sent them by fax all the correspondence by email between myself and XXXX XXXX. 
Last week they sent me a letter saying that they closed the case due to insufficient evidence. 
XXXX XXXX CHARGED MY CREDIT CARD AND NEVER GAVE ME A PLANE TICKET! Thats FRAUD, if Im not mistaken. 
I was forced to buy another ticket from another airline.

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 2020-09-15
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: Information belongs to someone else

Complaint:
XXXX XXXX has all me information incorrect b/c of the FTC violations

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 2019-08-25
Company: AMERICAN EXPRESS COMPANY
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I applied the American Express skymiles credit card in XX/XX/XXXX. But i didnt received it. After waiting, I called they mailed agin, then I still didnt received. Then I called again, finally I got the card at XX/XX/XXXX. But it pass the time of three moths limits that I can get my rewards. They tell me I couldnt get the points for it passed three months. But it is American Express fault not mail it right. Why should I not received the rewards.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-21
Company: CL Holdings LLC
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: Information belongs to someone else

Complaint:
Hello, I have repeatedly disputed a fraudulent charged off account that is showing on my credit reports. As soon as my wallet was lost, I immediately contacted all my cards and canceled them and when I begin to see fraudulent accounts showing up on my credit report I contacted the police. I have worked very hard for my stellar credit, however I can't seem to get this inaccurate information removed permanently from my report. This company has an account that is fraudulent and they are reporting it as if it was mines. I have tried everything, but they still will not do whats right. 

This company is bullying me and tarnishing my credit even after Ive pleaded with them to seek the truth and do the right thing and remove this fraudulent charge off of my account and stop reporting it to the three major bureaus. Please help me. The next step is legal action

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10
Company: BAM Management US Holdings Inc.
State: MT
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I had a transfer through simple swap get cancelled and refunded to my Binance US account with XXXX Doge, the money never showed back up into my account and I have been emailing them for weeks and no reply just auto responders. Meanwhile the coins were worth $ 11000plus and I want to sell them and can do nothing. I keep seeing in the complaints that they dont respond for months.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-20
Company: CITIBANK, N.A.
State: NY
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:
On XX/XX/XXXX an amount of {$720.00} was charged to my Citi Credit Card. The payment was rejected by the vendor, XXXX and the amount shows as pending on my credit card statement. I did not receive flight information from XXXX and they asked me to contact Citi Bank. Citi Bank still refuses to cancel the charge. 

Please assist. 

Thanks, 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 2021-08-21
Company: Checkr, Inc
State: PA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I began XXXX XXXX  XXXX in XX/XX/XXXX. Since then I have completed over XXXXXXXX XXXX, and continue to maintain a 5 star rating. My annual background reviews were returned of course without issue. XXXX was so impressed with my performance I was offered a job at the hub in XXXX. 
So I am sure you can imagine my shock whenever I received the email stating my application to XXXX XXXX is denied! Well that shut off my access to the app so I couldnt call in. I couldnt get through to checkr about the situation. When they would reply to the emails., XXXX would say we do not look at the report. We take the recommendation from checkr and base our decision on that. Checkr would say we do not make the determinations in eligibility we simply run the report and then hand it over to the company who requested it. 
After a month of this ping pong battle XXXX was like you have to dispute it with XXXX. I did. And after another 2 weeks the letter read there is an issue on your driving record making you oneligible to be a XXXXXXXX XXXX! I have known what gour letter report says. Another week goes by we have researched the issue and determine it to be a valid infraction we consider this case closed. Please respond if you disagree. 
Yes, I do. I just want to know the answer to this question. 
If I have been driving XXXX for over 3 years since XXXX with my previous chrckr driving accounts being free and clear How is it now there is an issue from XX/XX/XXXX making me ineligible? I am just trying to find the answer to that question yet I cant receive it and in the meantime. I am still banned from the XXXX XXXX platform!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
My name is XXXX XXXX I have a prepaid Bank of America debit card through EDD I filed a claim with fraudulent charges sold XXXX and some change the claim was found in my favor 100 % the letter received says that my deposit will be permanent not provisional and that it shall be deposited immediately I filed the complaint XX/XX/XXXX it was resolved in my favorite XX/XX/XXXX this is all in 2021 today XX/XX/XXXX I have yet to receive the immediate deposit Bank of America associates seen not to know why I have no answers for me and will not transfer me to authority who can have my funds put into my account they have lied to me on numerous occasions that there's no superiors that there's no management they have told me three working days days after it was resolved my friends should be deposited they have not here now XX/XX/2021 they have no more access to my account so they say they can get their story straight all I want is the money that is due to me and they can not provide that to me at all whatsoever with no answers at all whatsoever I was under the assumption that immediate meant immediately like right away but evidently they don't know the meaning of the word immediate I have yet to receive any funds the customer service is horrible they talk over me they don't listen to me they think of every excuse but pay me

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 2018-08-01
Company: Flagstar Bank, N.A.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I was informed by several people that operate businesses in the same category as mine that Flagstar would be a good choice for my banking needs. XXXX at the XXXX XXXX XXXX XXXX, MI XXXX branch informed us that based on our business, ( which they already have customers who operate and have accounts with the same business ) they would not even entertain the idea of opening a business account for us. They did not want to see financials, credit, or any other information. Once they heard we operated an XXXX servicing business he said " they were no longer taking on any more XXXX companies ''.

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 2022-08-07
Company: Atlanticus Services Corporation
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
HJR 192 72 10 USC 15 SEC. 1681 The government is responsible for all debts and I am the original creditor, therefore I give value not receive it. The living entities fund the corpus ( dead ) paper entities. This is direct injury to me as the living, and I can seek damages and recourse through various remedies and redress.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-14
Company: Financial Management Solutions, LLC
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/18 this company was contacted in regards to a late payment that was never late ( paid through a lawyer directly ) in regards to a different account and when XXXX XXXX calls back he states I owe a debt from 8 years ago. He then accesses my credit report without my permission on something I have A ) Have no record of B ) Did not admit to owing the debt and C ) Is from 8 years ago which is past the statute of limitations to sue and can not be placed on a credit report. He then became EXTREMELY ABRASIVE and nasty and asked me " Am I refusing to pay this debt '' among other things. I then hung up. This company has 21 complaints as of today in regards to their practices, tactics and customer service on the XXXX  website. Link is below. 

https : 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