BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-22
Company: AMERICAN EXPRESS COMPANY
State: CO
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:
On XX/XX/19, I applied for an American Express Starwood Preferred Guest credit card with a promotion to earn XXXX points after spending {$3000.00} in 3 months. Under the Offer Terms, it states : " Welcome offer not available to applicants who have or have had The XXXX XXXX XXXX Credit Card from XXXX, The XXXX XXXX XXXX XXXX Credit Card from XXXX, The XXXX XXXX Credit Card from XXXX, or The XXXX XXXX Credit Card from XXXX XXXX in the last 30 days. '' I haven't had any of these cards in over a year, so I applied. When I received the card I activated it on XX/XX/19 and called to confirm the above referenced promotion. I was told I was ineligible and was told the offer terms were different than what I had recorded when I applied. American Express opened a case to investigate whether I was eligible. 

On XX/XX/19, I spoke with an American Express agent who said the investigation confirmed the wording of the offer terms I originally referenced, but said I was still ineligible, without citing any specific violation. I have not been an account holder of any of the above referenced XXXX accounts in over a year. I was told to submit screenshots of the related account closures with XXXX. An additional investigation was opened and I was told it could take 6 to 8 weeks to resolve. 

Meanwhile, the original American Express offer opened for this credit card was to spend {$3000.00} within 3 months of account approval, which will be approximately XX/XX/19 If I wait for the investigation to complete ( 6 to 8 weeks from XX/XX/19 ), I will have passed the deadline to complete the minimum spend and will definitely not be eligible for the bonus promotion. I noted this to the American Express agent on XX/XX/19, and was told the investigation might be finished sooner and I could choose to make the {$3000.00} spend or not.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26
Company: SECURITY FINANCE CORP
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: Account information incorrect

Complaint:
I went to Security FINANCE, TO SEE THE MANAGER ; XXXX. XXXX XXXX WHERE I GOT THE LOAN.SHE SAID ; SHE SENT THEM AN EMAIL ( 3 ) TIMES. THEY MADE AN CHANGE ON THE BAL. BUT IT WASNT RIGHT. I CALLED XXXX TWICE, AND TOLD HER A THIRD TIME WHEN I WAS MAKING A PAYMENT, AND SHE SAID SHE WOULD SENT ANOTHER EMAIL. THEN I CALLED THE HEADQUARTERS, IN S. CAROLINA. THE LADY TOLD ME THAT THEY REPORTED IT, AND ITS RIGHT, I TOLD HER THE BALANCE SAID ; {$340.00}. BUT THE REAL BALANCE IS {$140.00}. They finally dropped IT TO {$240.00}. IT STILL IS WRONG. I NEED YOU TO MAKE THESE PEOPLE REPORT THE CORRECT INFORMATION TO THESE 3 BUREAUS. ITS AFFECTING MY CREDIT SCORES. 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 2020-11-24
Company: Experian Information Solutions Inc.
State: OH
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:
I sent a dispute letter on XX/XX/2020 about the inaccurate and wrong things on my credit report. Its been over 40 days and I have not received any word back about my credit report. I think I'm being ignored and my dispute is being disregarded. 611 ( a ) States that if a credit reporting company has not completed an investigation in 30 days the information being disputed should be deleted. Its been over 40 days, so I demand that these accounts be deleted at once or I will file for litigation due to the hardship Ive had to experience. My information was also impacted by the XXXX data breach and may have gotten into the wrong hands.

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 2018-04-26
Company: FIRST HORIZON BANK
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I was informed in a bank email dated XX/XX/XXXX ( attached ), that proof of cash to close was necessary 30 days prior to closing. I informed the bank, in my letter dated XX/XX/XXXX ( attached ), I would provide proof of cash to close 30 days prior to closing and authorized them to proceed with an appraisal. Three weeks later on XX/XX/XXXX ( attached ), three months prior to the closing date of XX/XX/XXXX, the bank informed me I had ten days to prove proof of cash available for closing. If I could have complied with the 10-day notice, it would have cost me extra thousands of dollars I otherwise would have not incurred. Due to the extremely short notice, I requested flexibility in my email dated XX/XX/XXXX ( attached ), and heard nothing from the bank. On XX/XX/XXXX ( attached ), I requested the bank to review my letter of XX/XX/XXXX, cancel the application, and do not charge me for the appraisal. On XX/XX/XXXX the bank refused to refund the cost of the appraisal. The bank was uncooperative, arrogant, and wrong.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-28
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit 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:
XX/XX/XXXX I bought a pair of shoes from XXXX for XXXX on my XXXXcomenity bank credit card which i get a bill the next month XXXX and i paid that out of my XXXX XXXX account. I get a bill in XXXX that states that XXXX/comenity owes me XXXX and i thought that was odd but did nothing then i get another bill in XXXX stating i owe XXXX so i called XXXX and they told me to call comenity bank and i did which told me they gave me back in my XXXX XXXX account XXXX so i looked at my XXXX XXXX account and see comenity has never put any money in my XXXX  account. I call comenity again and they keep saying I owe them so i started a dispute with comenity bank which seems it's going nowhere I've called them many time in the last couple months and I've sent them copies of my bank statements .I 've even had my XXXX XXXX bank manager call them which he helped me start a dispute with them against comenity on XX/XX/XXXX that goes for 10 days .And now it's affecting my credit score and i'm very upset about that. please help me

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-05
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: Investigation took more than 30 days

Complaint:
I initiated a dispute on XX/XX/2021, regarding incorrect items listed on my credit report. It has been in excess of 30 days and I still have not received any response regarding that dispute.

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 2018-04-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
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:
I received my Capital One in XX/XX/XXXX and took pride in the fact that all my payments were routinely made in a timely manner. I have been a proud customer with them for years ; however, in XX/XX/XXXX due to XXXX XXXX, XXXX XXXX   and family obligations I was left in an unfavorable position financially which caused me to have a late payment on my Capital One account. 

I have sent Capital One goodwill letters on multiple occasions ( two Goodwill letters to the CEO ( XXXX XXXX, XX/XX/XXXX ) and multiple phone conversations with XXXX of Capital One Executive Office ( XX/XX/XXXX ) ) to request for assistance and understanding of my situation. I have also offered to send proof of medical history during my hardship. They have denied my requests and they are not willing to negotiate, change my status or assist me in any form. 

I have taken numerous steps to ensure that I am a current and abiding customer. I have downloaded the Capital One App and I received notifications to my phone & email to ensure that I am most current on my Capital One payments - and I have been. Even with these successful changes and a spectacular payment history since, they have not been willing to consider my request to remove this single late payment from my credit reporting history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-21
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
The credit bureaus showing incorrect payment history i had made all payments on time but on the report it shows XX/XX/2019 late payment i need to correct this information since its effecting my life i am in process to buy a house this late payment is holding me back.

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 2018-04-26
Company: Experian Information Solutions Inc.
State: NE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
This is in reference to # XXXX that has been closed. Experian indicated that they are in the process of removing XXXX XXXX XXXX from my credit report. They have declined to remove the name XXXX XXXX XXXX from my report. Again, I have never been associated to anyone who has this last name. The other two major credit reporting agencies have removed this inaccurate information so why is Experian indicating they are declining to remove this? I would like further investigation and also for them to provide the information of whomever reported this. 
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 2020-10-21
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I requested an investigation into 2 student loans that were reporting on my credit file. The file is actually past the statute of limitations and yet they did not even supply a full payment history on their response. They start the payment history in XX/XX/XXXX and not anything prior to that. That shows they did not truly investigate because both accounts have been opened since XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22
Company: ZIONS BANCORPORATION
State: UT
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I opened an auto loan in XXXX at Zions Bank when I bought my new car. I regularly paid more than what was due through my account at Zions while I was working there. About a year after I left my Zions employment, I went to the XXXX XXXX Branch of Zions Bank in XXXX, Utah on XX/XX/XXXX, to set up $ 500 monthly automatic payments to be paid from my Credit Union checking account, where all my banking accounts are located. This monthly amount exceeds the monthly amount due. A Consumer Loan Authorization for Automatic Transfer of Funds was completed, signed and submitted it that same day to have my monthly payments start on XX/XX/XXXX. Today, XX/XX/XXXX, the transfer of funds from my credit union to Zions Bank has still not occurred. So I went back to the same branch of Zions Bank today to find out why this has not happened. I spoke to the same Asst. Manager that helped me fill out my original authorization for automatic transfer of funds. She made a phone call to find out why the transfer has not yet been made. After a long period of investigation, the Asst. Manager came back and told me that she was being told that since my previous monthly payments were in amounts more than my minimum amount due, my next payment would not be due until the statement due date XXXX. I was further told that no automatic transfer would occur until then. The only way I could pay more than the statement amount would be to physically come into a branch and make a separate payment. But that would then impact any subsequent regularly scheduled automatic transfers from my credit union. I filled out and had to sign the authorization for transfer of funds thinking in good faith that my instructions on that form, through the assistance of the assistant manager, would be honored by Zions Bank. It seems to me that this practice of not honoring this customer 's commitment of paying a monthly amount more than what is due and on a sequence of dates of before it would be technically be required to be paid, causes financial harm in the form of accrued interest. This should be considered an unfair, deceptive, or abusive act or practice. I filled out my payment- specific wishes in good faith on the approved form with the assistance of the assistant manager. No one ever disclosed to me that my wishes would not conform to the capabilities of the bank to be able to honor it. This is causing additional accrued interest on my loan with Zions 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 2023-03-02
Company: HCFS Healthcare Financial Services of TeamHealth
State: DE
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have contacted these companies and they are reporting the wrong information. I have sent letters to the company requesting the original contract with my wet signature. I have not received anything from these companies at all. I am asking for these accounts to be deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-18
Company: SUNTRUST BANKS, INC.
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I made payment arrangements on XX/XX/2019 with XXXX regarding a bill for {$30.00} a month beginning on XX/XX/2019 auto-pay for an outstanding debt. I received an alert on or about XXXX XXXX that my account was overdrawn. I contacted XXXX who advised me there was a glitch in the system that they do not know why the system somehow changed the due date which was to begin on XXXX XXXX.I asked XXXX to stop auto-pay that I would pay in person from now on. I then contacted SunTrust and filed a claim and asked SunTrust to stop future payments to XXXX that I ask they stop auto-pay. SunTrust filed the claim XXXX and SunTrust denied the claim stating services was rendered. I ask to rebut and sent additional information which was denied. SunTrust claims that XXXX sent documentation, but SunTrust did not forward the documents to me during the process nor after I requested it.In the rebuttal I told SunTrust the issues is not the service it was the fact that the merchant withdrew funds on a date that was not originally agreed on. Withdrawal of funds before the agreement date is one of the reasons SunTrust offered for a reason to dispute a charge. I do not see on my account that XXXX was actually paid anything from the overdrawn account, but I see an overdraft charge. I have two issues one XXXX debiting my account on a date note agreed on and SunTrust not paying XXXX and charging me an overdraft fee.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-01
Company: Navient Solutions, LLC.
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
In XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX I spoke with Sallie Mae about my loans, indicating that I want to qualify for the PSLF program, and was told that I had the correct type of loan for forgiveness but none of the forms were created yet for the program as you need 10 years to qualify. I was told that being in forbearance wouldn't hurt, as it is a type of repayment plan multiple times then and until XX/XX/XXXX. 

My loan was transferred to Navient when Sallie Mae was defunct. I called them when I was transferred, and they assured me that utilizing income sensitive repayment options and/or the lowest payment amount, which at times was XXXX $ a month in forbearance, was fine for the PSLF program. 

In XX/XX/XXXX, after re-applying for income sensitive repayment again, I called again, and indicated that I could afford some payment and did not need a full forbearance, and they told me that I qualified for forbearance, and so that is the best thing for me to do. I asked what would happen if I sent payments anyways, and they said, basically nothing, because the balance and interest was so high that sending XXXX-XXXX $ a month wouldn't do any good, and wouldn't change my plan. At that time I was first told that I was not in a program that would qualify me for the PSLF program, and that in order to qualify for that program, I would have to re-consolidate my loans and have my husband co-sign them. She indicated that she was only telling me this because now she was " legally obligated to do so. '' She indicated that once I reconsolidated I could get into the right program but it would be 10 more years before I qualify, and as it has been 2 decades since my first set of loans, she didn't recommend it as I would be at the 30 year mark anyways. 

I have worked for public agencies with lower pay than public agencies, in public service, since XX/XX/XXXX. I have no idea how many " qualifying payments '' were made, as often the forbearance was the only option given to me. I suspect that I made roughly 6 years of payments in plans that don't qualify me for the program, and my debt is now over 200,000 $ and my interest rate remains over 6 %. I have been unable to get any clear information about what plans do qualify for the program, and any information from Navient. I don't understand why my husband would have to co-sign my student loans in order for me to qualify for a program that I should already qualify for due to my years of public service. There is no where to turn for answers as Navient is not doing their job.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-22
Company: U.S. BANCORP
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have paid the account in full before XX/XX/2019. The credit reports shows I owe them. This is NOT the first time. It has happened every time with this 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 explanation
Consumer complaint received 2018-04-26
Company: AES/PHEAA
State: LA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In XX/XX/XXXX I started a Business school and took out a Student loan through XXXX XXXX ( I think the 3rd word was XXXX ). The school closed 1 week after they cashed the check. The loan was for XXXX. I never went to school and after never hearing from them, I was asked to start paying back in about XX/XX/XXXX. My current husband and I had our Federal Taxes withheld to pay for this 4 times totaling more than XXXX. In XX/XX/XXXX the loan was sold to XXXX and they were paid at least 1 year at XXXX/mo and a Federal income tax check of over {$800.00}. All of a sudden XXXX is showing the amount due as {$4800.00}. In XX/XX/XXXX, the loan was sold to XXXX XXXX XXXX with a balance of {$4200.00} and I didn't have to pay anything because I didn't have a job and they said they wouldn't use my husband 's income because he wasn't responsible for this debt prior to knowing him. Now XXXX XXXX XXXX wants $ XXXX/month because I have a job and make about XXXX/month. I wouldn't mind paying off the loan right now if it was just the original amount. We've paid more than the original amount and fees, but none of it has ever been credited.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
Hello there, My problem is with the Coinbase.com site, that have blocked my account and don't allow me to manage my crypto currencies. I have all my documents and information verified and the amount of money that I have actually is around XXXX , so nothing " suspicious ''. 

I tried to contact with them via XXXX, XXXX and they support platform, but I only receive automatic messages.

Company response to consumer: Closed with explanation