BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-12-18
Company: SYNCHRONY FINANCIAL
State: CA
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/XXXX, someone used my XXXX XXXX   Visa credit card to make fraudulent purchases at XXXX, XXXX XXXX, Wal-Mart, XXXX . XXXX  XXXX XXXX, XXXX XXXX and XXXX. When this suspicious activity occurred the Credit card company ( Synchrony Bank ) contacted me, I told them the charges were fraudulent so they cancelled the card and sent me a new one.

However after two investigations, the Credit card company said my card was used at these stores and I am still liable for the purchases unless I can come up with new evidence. In my eight year history of owning the card I have never used it except for XXXX XXXX purchases, I also live about thirty miles from where these stores are located and have never shopped there before. 
Despite their " fraud protection policy '', my history with XXXX   XXXX  and them acknowledging these purchases were unusual they refuse to take the charges off my card. I have an XXXX credit score and pay all my credit cards in full each month but Synchrony Bank refuses to take any of this into consideration.

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 2020-05-16
Company: Coinbase, Inc.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I have been conducting business with an online digital currency company called Coinbase. I have opened an unlimited number of tickets, but they refuse to give me access to my account assets.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-18
Company: Collection Bureau of America Ltd.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had a debt with XXXX XXXX XXXX that was taken over by Collection Bureau of America. I was unaware of the debt and paid it immediatly upon learning of it from the Collection Bureau of America. This was in XX/XX/XXXX. 

As of XX/XX/XXXX, my debt was still showing open on my credit report, in turn hurting my credit rating and worthiness ( which is ridiculous for {$200.00} debt from 3 years ago ). I called and they said " oh thats a mistake, we will close it now and make sure it is removed ''. Well I find it abolsutely unacceptable that it took three years and me calling to report a paid off account as paid. This is literally people 's lives hanging in the balance. Whether it be for college, a home, a mode of transportation for work, credit worthiness has a direct impact on peoples lives and to make a " mistake '' over so many years that now will take more time to come off my credit is just WRONG. If collection agencies are given the right to have an impact on peoples credit score, they must be almost perfect and not make " mistakes '' that effect people so greatly.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-29
Company: JPMORGAN CHASE & CO.
State: CA
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:
I have never used XXXX. I noticed some XXXX charges on my bill and called Chase Bank to report the fraudulent charges. They asked me to look through my bill and report which charges were fraudulent. I told them that I never used XXXX and all the XXXX charges were fraudulent. I looked through the rest of the bill and told the representative that I didn't see any other fraudulent charges. 

They told me they'd cancel my card, issue me a new one, and reverse all the XXXX charges. They reversed most of them, but I had to go through and check their work. I noticed five charges they failed to reverse, totaling {$110.00}. 

This is unacceptable. I shouldn't need to check their work. They failed to verify that they reversed all of the charges. This sounds like a broken process and one that the Chase Bank has no incentive to remedy. 

The transactions they failed to reverse are as follows : XX/XX/ XX/XX/ XXXX XXXX XXXX XX/XX/ XX/XX/ XXXX XXXX XXXX XX/XX/ XX/XX/ XXXX XXXX XXXX XX/XX/ XX/XX/ XXXX XXXX XXXX XXXX XX/XX/ XX/XX/ XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
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:
Capital One advertised and promotional that if I made four payments on time in XXXX with My QuickSilver One Credit Card initially I was approved for XXXX and after I had made my four payments on time in XX/XX/XXXX. Capital One Credit Card advertised on the App keeping monthly payments reporting on track that I'd as a Capital One Customer would receive a increase from XXXX to XXXX. That didn't happen after I fulfilled my end of the agreement but Capital One after I spoke to their representatives said I had paid my credit card payments on time but I'd have to wait until XX/XX/XXXX. It's XX/XX/XXXX and I've called them several times I wrote them and nothing. 
Capital One has created a hardship by the misleading advertising, creating another Holiday problem that I planned to use those extra funds to shop, help with my financial needs. The Capital One Credit Card also was hacked and I suffered also being a identity theft victim. Capital One has reported late payments on my credit report, over the limit affecting my credit scores not to mention my ability to obtain new credit. 

Capital One Credit Card denying me access to my XXXX new credit limit that I qualified for and was promised by them. Even though I called them they were Rude, Arrogrant and XXXX  Their Power Refusing to increase my credit limit even after looking at my account being paid on time. 
Also Capital One Credit Card and their employees offer third payers to pay your bill through Walmart and I as a Customer trusted their advertising to pay my bill through technology data at Walmart. Capital One Credit Card after I would pay before the XX/XX/XXXX stated they didn't receive my payment. Capital One XXXX Supervisor demanded even though my payment was due until the XX/XX/XXXX that I pay 4 days ahead to avoid a late charge and over the limit that they reported violated my FCRA and Debt Collections Practices. Capital One after our initial signed agreement they changed the terms and conditions of the our initial contract. 
This caused me alot of stress and hardship because after the Data Breach and learned my privacy and financial information was breached I didn't want to use my personal information with Capital One. As I was already a Identity Theft Victim. 
They acted like on the telephone that data breach was nothing. 
XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13
Company: LD Holdings Group, LLC
State: CA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
i have a bad situation here. After Loan Depot processed my loan in XX/XX/2020 I logged into their payment portal and made a payment for {$4000.00} successfully. Half of it was applied to the principal and even their system shows that. But when I logged in today ( XXXX ) to make another payment the portal didn't allow me. I called their customer support and after being on hold for 30 minutes I spoke to someone name XXXX. She was very helpful and patient with my situation. After 1.5 hours of talking to her though she told me my account has a " Bad Stop '' on it because of bad checks, insufficient funds, bad social security, and more! I have NEVER written a check to Loan Depot. My electronic payment which included extra principal was successful and the Loan Depot portal shows that. She even confirmed my social security is correct so it appears to me someone else 's problem got logged into my account. She finally acknowledged that someone at Loan Depot messed up my account. The case number she gave me is XXXX. My loan number is XXXX. Right now Loan Deport only allows me to send money through a certified check and this is because of Loan Depot 's own mistake, not mine! XXXX said it has been escalated to her manager. I was on the phone for 2 hours this morning. I switched to Loan Depot from XXXX just because of these kinds of idiocracies. The clerk who did this to my account at Loan Depot should be found and coached. It's totally unfair that I have to go through this kind of scary situations with a bad stop on my account just because someone messed up my account, especially after I made my first successful payment. Loan Depot 's mistake is not allowing me make payments while holding me accountable for a payment they don't allow me to make because of the " bad stop '' they placed on my account wrongfully and illegally

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Their investigation did not fix an error on your report

Complaint:
I have been disputing this account for almost a year now with the collection agency XXXXXXXX XXXX and Transunion and XXXX their reporting this account as verified and this can't be far from true. As you'll see with the attachments the credit report and the information that was sent to verify has two address so how can this be verified.Please look at this attachment and the bottom part that says borrower information. It does has my name but I know nothing of the address. This a {$400.00} bill that's hurting my credit from their mistakes I can't get anything to move ahead in life from this

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 2021-06-07
Company: Experian Information Solutions Inc.
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: Information is missing that should be on the report

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX SS XXXX Birth Day XX/XX/XXXX I'm requesting from XXXX to follow the law and report all four accounts on my XXXX credit report. 
Because of XXXX negligence my FICO score is down XXXX points. Either they are reporting incorrect information or not reporting my accounts and keeping my FICO score low.The banks have tried to report it to XXXX but for some reason XXXX is not able to report it on my credit file. For verification purposes I am sending you statements from all four credit cards. a copy of my driver license and utility bill. 
If XXXX fails again to report these accounts on my credit report I will be forced to take legal action for damaging my credit. 








XXXX XX/XX/XXXX XXXX DO NOT have it on my credit file Account # XXXX XXXX XXXX, XXXX. 
Exceptional payment history Opened XX/XX/XXXX ( XXXX DO NOT have it on my credit file. 
Account # XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX DO NOT have it on my credit file Exceptional payment history XXXX XX/XX/XXXX XXXX DO NOT have it on my credit file XXXX XXXX XXXX  # XXXX Open 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 non-monetary relief
Consumer complaint received 2018-05-18
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
There is a business credit card that was taken out by the company I used to work for. That company went out of business, and now XXXX is asking me to pay the card off. I never agreed to be personally liable for this card, and only 3 months ago did this account suddenly appear on my credit report. 

XXXX refuses or is unable to provide me with my online or written consent to be personally liable for this account. They refuse to respond to multiple debt validation letters I have sent about this account. Instead, they sent me a letter stating the put a Cease & Desist on all of my accounts I have with XXXX including my personal checking, savings, and credit card accounts.

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 2018-06-30
Company: KEYCORP
State: PA
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 was charged with 3 overdraft fees on XX/XX/XXXX after the bank posted I had available funds on my online banking account ledger. On XX/XX/XXXX ... I was told I was overdrawn on XX/XX/XXXX. The available funds posted on XX/XX/XXXX was inaccurrate. My paycheck.posted at XXXX on the XXXX ... but according to the bank I was still.overdraft status ... .which did not post until.Saturday the XXXX. The bank refuses to refund two of my {$38.00} fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-05-18
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA
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 balance transfer

Complaint:
To summarize what follows: HSBC took a month to complete a balance transfer, even though their only communication with me regarding a time frame for such a transfer predicted 7-10 days. They have stonewalled my complaints, even though I lost money in this time period in the form of interest. I also experienced a lowering of my credit score, because HSBC posted the transfer to my account the day I requested it, despite not paying the other credit card company; my utilized credit doubled. I am looking for new housing, and lowering my credit score has made this process more difficult than it should be for me. After it is completed, I want to have this balance transfer forgiven in full by HSBC, to make up for the money and credit lost due to their delay and false communications.*****************************************************************************************************I initiated a balance transfer from HSBC to XXXX  on XX/XX/XXXX. The attached email confirms this transfer, and states that it should have been completed in 7-10 days.After almost a month without the transfer being sent from HSBC—even though they charged the balance to my account immediately—I called to ask what the delay was. I then was told on XX/XX/XXXX that I would receive a status update for my inquiry on XX/XX/XXXX.After not receiving an update, I called back on the XX/XX/XXXX, and was transferred four times to reach my original customer service representative, with ID# XXXX. He told me that HSBC sent the transfer to XXXX on XX/XX/XXXX, exactly 28 days after my request. He stated that it is HSBC's policy to send balance transfers within 28 days.Nowhere in the terms of service is there a 28-day window for balance transfers. The only guidance is in the attached email, giving a 7-10 day window. I then asked to speak with the balance transfer team. He said that he does not know the phone number, he does not know anyone who knows the phone number, and he does not know any way to send me to someone who knows the phone number. I then asked him to have his supervisor call me, to which he responded that it would only take one minute on hold. I waited for nearly half an hour before hanging up and writing this complaint.For the reasons in my first paragraph, this delay is directly contrary to HSBC's communication with me and has severely inconvenienced me financially and through my credit. Once XXXX receives the payment, I want the transfer to be credited to my HSBC account in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
My daughter missed her first payment to XXXX XXXX ( XX/XX/XXXX ). I found out and called XXXX XXXX in XXXX to handle this ( I cosigned ). The rep told me he sees it all the time, and I should just take over payments. He offered me a reduced interest rate as incentive, and I agreed. 

I made the first payment that night ( XXXX ) and continued over the next months as per the agreement. However, in XXXX I was told by XXXX XXXX that they rescinded the offer made in XXXX, and I was now several months late ( even though they were still taking payments directly from my account ). 

Within 2 days I paid XXXX they said was now due. In any case it was too late and they reported me as delinquent to XXXX XXXX. I wrote XXXX XXXX a letter explaining this, and they refused to remove the mark. 

They did call me between XXXX and XXXX, telling me I was late ( even though they were auto debiting the full amount from my account ). I'd call and explain the agreement, and they would apologize for the confusion, assuring me it was a system error or some such. 

I have email history from my XXXX XXXX account, which I can provide if necessary ( just need to make sure I'm not crossing legal lines in doing so ). I also have detailed notes about all of this.

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 2020-02-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
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 cash advances

Complaint:
I used my Cabela 's credit card back in XX/XX/2018for a {$450.00} cash advance. I have been paying on my account and have never missed a payment. I paid the cash advance amount off back in 2018. I continue to send in large payments that exceed the minimum balance. Upon calling the capital one to ask why I am still being charged interest in the amount of {$50.00} + each month on interest for the cash advance back in 2018 that was paid off, they informed me that my balance on the cash advance is now over {$2000.00} due to interest that is charged daily separate from my other charges. I informed them that I paid the cash advance off back in 2018 but I was informed that the interest is charged on the cash advance until the entire account is paid in full. So I am accruing interest on the increasing balance of interest which is adding to my amount due as a whole on something that I already paid off years ago! I tried to get them to stop this, but they told me that I will be charged interest on the {$2000.00} in interest until my account has a XXXX  balance. I am extremely upset as I am being charged a ton of money for something that I do not even owe!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-21
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
the accounts listed do not belong to me someone used my information to open fraudulent accounts they use my personal information on applications as well I am writing to request and initiate a formal complaint against XXXX, XXXX  and Experian CRAs. On XX/XX/2020, I mailed XXXX, XXXX  and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2018-12-18
Company: Midwest Recovery Systems
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I reviewed my XXXX  credit report that indicated that I owed {$35.00} XXXX Hospital toward a copayment from a XX/XX/2012 hospital visit. This attempt to collect was initiated by XXXX XXXX XXXX approximately six years ago. I've attached an invoice from XXXX Hospital regarding the debt in question which indicated a XXXX balance. Inaddtion I've attached a copy of the credit report that has Midwest Recovery System attempting to collect the same debt. Please see attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I made a deposit on the ATM for {$800.00}, it said forced deposit into savings account. The deposit never showed up on my balance. I opened an ATM dispute 3 weeks ago, bank has not even started an investigation, branch said they can not do anything on their end.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-06-22
Company: SYNCHRONY FINANCIAL
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:
A company called XXXX reported on my credit report. On their website it stated. Checking your offers will not impact your credit score.  **The process uses a soft credit inquiry to determine whether a loan offer is available, which does not impact your credit score. If you continue with the application process and accept a loan offer, we will pull your credit report and credit score again using a hard credit inquiry. This hard credit inquiry may impact your credit score.

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