BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-28
Company: BARCLAYS BANK DELAWARE
State: NY
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:
My name is XXXX XXXX. I am a Barclaycard JetBlue customer ( card # XXXX ) On XX/XX/XXXX I received a promotional balance transfer offer from Barclaycard JetBlue credit card services. I am a current credit card owner. I decided to take advantage of the 0 % APR until XX/XX/XXXX and completed the information for a balance transfer ACH in to my Chase checking account. On XX/XX/XXXX I logged in to my Barclays Jet blue account and saw they charged me the balance transfer fee and {$16000.00} balance transfer ; however it did not appear in my XXXX checking account. I waited and waited; finally on XX/XX/XXXX I had enough and called Barclaycard jet blue customer service at XXXX at XXXX XXXX. From my phone number XXXX. The customer rep was friendly but did not seem to understand what was going on and stated she filed a claim and it would take about 7 days for it to get resolved. ( CLAIM # XXXX ). I was upset but decided to wait. On XX/XX/XXXX there was no update so I called again XXXX at XXXX ET. The rep now told me it would take XXXX billing cycles. Which is completely unacceptable! I was extremely upset. I then filed a complaint to Barclaycard XXXX from their online Portal explaining all this and they stated the same it would take XXXX billing cycles to resolve. 

How is this legal?! They deducted the money from my account on XX/XX/XXXX and charged me the {$480.00} fee and on top of that are going to makee wait potentially until XXXX to get this resolved?! That is unacceptable. They are literally STEALING my money and using it for those 3 months. I am on the verge of taking legal action and filing a lawsuit if this doesn't get resolved immediately. How does it take 2 days to deduct and charge me the fee but a potential XXXX days from when you charge my account to get this resolved?! That is extremely Ludacris and unacceptable, especially during a covid time era where the point on doing this was to save money on paying off balances. Now I am missing out on a potential 3 months of saving interest from paying off other loans that I was going to pay off.

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 2018-01-04
Company: Winklevoss Exchange LLC
State: DC
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I bank with XXXX XXXX, and was using XXXX ( the XXXX XXXX startup ) to invest in cryptocurrency. I have since decided to end that activity, and tried to withdraw funds from XXXX back to XXXX XXXX. I initiated the withdrawal of {$5600.00} on XX/XX/XXXX. 

A day later, I was told that the transfer failed and my account was frozen. This is all the information I was given. XXXX does not have a customer support phone number, and multiple attempts to reach them via email have failed. 

I have wired multiple ( much larger ) amounts through XXXX XXXX to XXXX, so I expect XXXX XXXX would recognize XXXX as a trusted source. Therefore, I believe the fault somehow lies with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-26
Company: WELLS FARGO & COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XXXX/XXXX/17 at XXXX EST, I withdrew {$2500.00} from my business checking acct. at the branch with a teller. On that same day at XXXX EST with the same teller, I deposited {$400.00} into my account. Both transactions are reflected on my account. After hours around XXXX, my account was debited by one of the tellers at the bank. The transaction shows as a 'Bank Originated Debit ' on my account. I went to the branch today, and XXXX XXXX XXXX gave me the explanation that the teller 'made a mistake by depositing {$400.00} into my account but at the end of the business day, they REMEMBERED that I had actually withdrew {$400.00} and that I had been given cash ' This is not true. The record shows that the {$400.00} deposit was made and the employees of the bank went into my account after hours and took money out of my account based on what they remember.

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 2017-07-26
Company: SYNCHRONY FINANCIAL
State: CO
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Amazon 's Synchrony Bank calls me more than 4 times a day and leaves a message every time. I am currently on worker 's compensation and only working part time due to having just had XXXX. I had to obtain a lawyer for this. I have expressed this to Synchrony bank and that I will make a payment once a month, although it will only be {$20.00}. I make the {$20.00} payment every month but they continue to call me more than 4 times a day. They have sent me to collections even though I make this payment and now they are threatening legal action. I was unaware I could even be sent to collections if I am making payments. At least I am making payments!

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 2022-02-04
Company: Sequium Asset Solutions, LLC
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Sequium Assets has charge me for an account that i am paying on and has not paid out yet but i am still paying on it as we speaks

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04
Company: CREDIT ACCEPTANCE CORPORATION
State: MI
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:
This item is reporting late, yet it is closed and the balance is zero as reported in my 3 Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. 

CREDITACPT XXXX Balance {$0.00} CREDIT ACCEPTANCE CORP XXXX Balance-

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 2022-02-04
Company: BANKUNITED, NATIONAL ASSOCIATION
State: NY
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
I was notified 6 months ago by the borough where my building is located that my taxes were in arrears. The taxes are paid through the escrow account at BankUnited so it is not something I reviewed on a consistent basis. I had not received any past due notices from the borough because they were sending them to the previous address where the XXXX was formed and not to the physical address where the building is located. I immediately notified the bank. After many calls and many months of waiting, I was informed that in 2019 in some sort of mishandling the borough returned the check to the bank and stated it was an overpayment. No one from the bank called me to help in solving this obvious error. The bank continued to pay but all payments were applied to the old balance. 
Unfortunately for me this came to penalties and interest that the bank said was my problem. In order to avoid any more problems with the borough and because the bank refused to accept any responsibility I paid over 4,000.00 in penalties and interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-05
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: KS
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Per previous complaint all documents sent faxed and emailed, Now all the paperwork that THEY lost is outdated.  I have just now emailed all current pay stubs from XX/XX/XXXXthrough XX/XX/XXXX. Again this is a problem on Carrington's part.  I hand carried the documents to a branch in XXXX XXXX Missouri handed them to XXXX XXXX – NMLS ID # XXXX Area VP – XXXX XXXX Carrington Mortgage Services, LLCXXXX XXXX XXXX XXXX XXXX, MO XXXX Phone: XXXX Cell: XXXXFax: XXXX Email: XXXX State Licenses: MO, KS, OK, IA, AR, NE, MI and the first person I spoke said there was no branch in Missouri. So here we are again.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-04
Company: Experian Information Solutions 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:
XXXX XXXX is showing an incorrect amount owed. My truck was repossessed and sold. The balance owed does not reflect the correct amount owed, it still reflects the total amount of the vehicle. This reporting status is both inaccurate and illegal.

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 2021-11-02
Company: NCS, Inc
State: IA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to 3 Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-17
Company: Insikt, Inc.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't contact lender or servicer

Complaint:
Call XXXX XXXX  multiple times and was told i will get a call and or a letter stating they will remove off my credit report once paid. Now they are telling me that it want be removed after payment it will stay on as a settlement. This is unfair and illegal and a disregard of my constitutional rights for me too be told once i pay it will be removed from my credit but when i as for it in writing i gets no response for years and now when i called they transferred me to a lady named XXXX and she said she CAN settle for less than the amount that is already charged off ( paid off on the books FDIC insurance, or reported as a loss ) which was {$330.00} settlement charge. I then asked her why will i pay off a debt that after 7 years will be took of my credit report to get a fresh date for the settlement to stay on my crrdit a fresh 7 years? I am willing to pay but it needs to be removed from my credit report. The impact has already happened you cant expect to get a payment and to add a new Derogatory remark to my credit report after you receive the fund owed. This account was open on XX/XX/XXXX its now XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22
Company: Experian Information Solutions Inc.
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
Please see all attachments listed from : XXXX, XXXX, XXXX XXXX, XXXX Concerning XXXX XXXX, on XX/XX/2021 their staff management was extremely bias to me as a consumer, because I which to speak to their fraud / compliance dept. in respect to the unscrupulous & fraudulent sale tactics of XXXX XXXX ... 
See attachment : A1 - page 4 of 8

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 2018-01-04
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:
XXXX XXXX is showing an incorrect amount owed. My truck was repossessed and sold. The balance owed does not reflect the correct amount owed, it still reflects the total amount of the vehicle. This reporting status is both inaccurate and illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04
Company: SYNCHRONY FINANCIAL
State: NC
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:
Mailing Payment Address XXXX XXXX XXXXSynchrony Bank XXXX XXXX XXXX XXXX XXXX GA XXXX Synchrony Bank 's website tells me I can use my point on XXXX purchases. Nowhere on XXXX have I been able to check out and pay with my points. My account opened in XXXX. by XXXX I was becoming concerned with my rewards. upon not being able to reach a live person I opt for the chat feature online where I am told that no live agent is available or the live agent is unable to help. In both cases, as seen in one of the screenshots all rewards are automatically credited towards your account balance. I was once told by a live person in a chat that the same info my rewards would be applied to my balance. This has never happened. today XX/XX/2022, I am told that the rewards do not automatically apply to my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX, XXXX and Transunion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my XXXX XXXX : XXXX XXXX XXXX : {$360.00} XXXX XXXX XXXX : {$0.00}

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 2018-01-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I called Bank of America ( XXXX ) the evening of Wednesday XX/XX/XXXX XXXX EST to dispute the overcharging of interest on 2 personal credit cards that I have with them due to their use of double cycle billing that is deemed illegal as per the Credit Card Act of XX/XX/XXXX. At the time of billing, I unknowingly paid this interest as legitimate, but my accountant recently informed me that this is an illegal practice as per the Credit Card Act of XX/XX/XXXX. The overcharging of interest occurred on 2 separate occasions on 2 different cards in which the balance was paid off in full in the previous billing cycles. The 2 amounts of over-charged interest are for {$100.00} ending on billing cycle XX/XX/XXXX for one card, and for the other card, {$23.00} ending on billing cycle XX/XX/XXXX. 
I initially spoke with a representative who was clearly unaware of what double cycle billing is and my consumer rights as per the Credit Card Act of XX/XX/XXXX. I asked to be transferred to a Manager ; I was transferred to a Team Supervisor named XXXX ( Badge # XXXX ) and she refused to acknowledge that Credit Card Act applied to my situation and refused to refund the charged interest. She even intentionally mispronounced my surname as " XXXX '' twice even when I corrected her the first time ( My surname is XXXX ). I interpreted this XXXX overt racism and smugness on her part. I requested to escalate this matter to her Supervisor which in their management nomenclature would be " Manager. '' I will be awaiting a phone call the next day.

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 2018-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX is showing an incorrect amount owed. My truck was repossessed and sold. The balance owed does not reflect the correct amount owed, it still reflects the total amount of the vehicle. This reporting status is both inaccurate and illegal.

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 2018-01-04
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX, I initiated a wire transfer in the amount of {$5000.00} USD from my XXXX bank account to my COINBASE USD wallet. At that time, there was a banner listed on the COINBASE website that stated there was a backlog of wire transfers and that it would take up to 4 business days for the funds to be deposited. I waited the period of time suggested with no change. I created a support ticket on XX/XX/XXXX and received a canned response on XX/XX/XXXX stating the funds had been verified and that I should be all set. There was no changes to my account. I emailed them back that same day making them aware that the issue was still present along with a screenshot of the COINBASE USD wallet, no further contact has been made. There are countless other customers who are experiencing the same issue with no recourse. I can understand a company exceeding its resources due to rapid growth, but what is most concerning is that aside from these support tickets, there is no way to sort this out.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-21
Company: CORELOGIC INC
State: IL
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:
I notice that my credit report was ran without my consent on XX/XX/2019 by XXXX XXXX XXXX. I have been a victim of Identity theft and I been trying to reach out to the creditor to have this inquiry removed along with the other inquiries that were placed on my credit report from the banks they used with no resolve or help. I have contacted the creditors and some said it will be removed from my report, but after 30 days it still shows. This is unacceptable and XXXX XXXX XXXX and the other creditors XXXX XXXXXXXX, Credco, XXXX Auto and others havent been any 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 2022-02-04
Company: EQUIFAX, INC.
State: TX
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 am listing the Inquiries I don't recognize below for immediate Deletion and Removal from my Credit Report. 
XXXX XXXX  TYPE OF BUSINESS - DATE OF INQUIRY XX/XX/2021 EQUIFAX XXXX XXXX TYPE OF BUSINESS FINANCE/PERSONAL DATE OF INQUIRY XXXX XXXX XXXX TYPE OF BUSINESS BANK DATE OF INQUIRY XX/XX/2021 XXXX XXXX XXXX PERSONAL LOAN COMPANY DATE OF INQUIRY XX/XX/2021 XXXX XXXX XXXX TYPE OF BUSINESS FINANCE/PERSONAL DATE OF INQUIRY XX/XX/2021 XXXX XXXX XXXX  XXXX TYPE OF BUSINESS HOME/OFFICE FURNISHINGS DATE OF INQUIRY XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-26
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Collection agencies ( XXXX XXXX XXXX XXXX ) have added a collection to all XXXX credit bureaus and I do not owe the original creditor who is XXXX XXXX.
My insurance paid the balance many years ago and now I have had two separate collection agencies trying to collect a balance of {$940.00} that they claim I owe. I do not owe this amount and I have the proof.
I requested proof from both collection agencies and this is what I received from both of them.
XXXX, Experian and XXXX only reduce the debt owed to a XXXX balance but leave the collection on my credit.
I want it completely removed. I do not want the next collection agency who receives this to be able to add it as a valid debt. I owe a XXXX balance and their own evidence proves it.

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 2017-09-15
Company: EQUIFAX, INC.
State: NY
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:
I have just become aware on X/XX/2017 that my personal information may have been impacted by the issues with Equifax. At this point, I do not know if my personal information has been compromised. However, Equifax 's own site says that it could have been. I want to be proactive with this situation and prevent anyone from using my personal information.

Company response to consumer: Closed with explanation