BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
XX/XX/XXXX, I received an offer to advertise for XXXX water. I applied and, on XX/XX/XXXX, I received a check for {$2500.00}, by USPS. I deposited the check into my Bank of America acct the same day. I asked the bank teller if the check was a legitimate check, she said it looked real and the funds would clear in 24 hrs. The money was to pay a company to wrap my car w the XXXX ad and cover my first week of wages. I was then instructed to XXXX {$1000.00} to the worker doing the wrap on my car. I sent the money, then a friend notified me they suspected it was a scam. I called the bank the next day, notifying them of the potential scam and requesting an investigation to return my XXXX money. I inquired, if the money transfer can only goto a legitimate bank acct holder, shouldn't they b able to access the funds still, or at least investigate the acct holder of the received funds? It had been less than 24 hrs since the XXXX transfer. I was also still receiving instructions from the scammers to deposit more money to cover materials. Bank of America was hesitant to take action until the check had been returned, but I insisted on an investigation into the XXXX transfer at least. The check was returned two days later and my acct was charged for the funds and a penalty charge. I filed an investigation into the returned check. There has been no response to either investigation on the XXXX transfer or fraudulent check. The bank has no insurance or policies to combat this type of fraudulent activity. I feel as though the bank had no sense of urgency to track the XXXX transfer to return my money, and they did not show a genuine concern in aiding me in my attempt to disrupt the fraudulent activity.

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 2020-05-18
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I made a couple purchases with the card on accident. XXXX defaulted to the card on accident. I paid the two charges immediately when I saw XXXX did that. Closed card but they didnt close it Then I saw months later it happened again for XXXX. I was confused and thought what happened did I not pay the card or close it so I paid another XXXX which now over pays me. Then I get notice Im late so I make a chat with them telling them again close the card. The gentleman on the chat said he can not as it has fees. I had another chat with a woman and had to tell her multiple times close it. She finally closed one account. Then I find out the other XXXX balance account is still open today. Called again to close it. In the meantime they used the XXXX I paid to pay off a annual fee and are telling me my XXXX in purchases are over due charging me fee after fee after fee to XXXX. And refuse to epilate fees even though I overpaid my account

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18
Company: U.S. BANCORP
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
XXXX XXXX XXXX sent {$1900.00} to U.S. bank on behalf of my wife XX/XX/2019 for my credit card. Us bank accepted the {$1900.00} however my account never reflected. Us bank asked us for research multiple times which we provided ( transaction id # account numbers names, everything ). Time and again they can't find the money they accepted, and can not help us. We have been making minimum payments since to avoid credit problems. If the account names and numbers don't match why would they accept it?!?!? Why are they dodging accountability?!?!?

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 2017-08-08
Company: PNC Bank N.A.
State: MD
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 have a Checking Account with PNC. My account became overdrawn because PNC decided to pay for some charges for {$4.00} and {$6.00} and {$10.00} and so on. PNC covered maybe 6 or 7 charges. Yes this was an oversight on my part, however, they should have just rejected the charges, instead they paid it off and charged me {$36.00}. They gave me about 6 or 7 {$36.00} charges and then they charged me and still charging me to this date {$7.00} a day for a continuous daily overdraft fee. That is absolutely ridiculous. If I could NOT pay for a {$4.00} charge why would you charge me more and more daily. Insane. So now im getting all these harassing calls from PNC not to mention my account is now at about {$400.00} in the negative and they are still charging me {$7.00} per day. Can someone please help me out on this. I am a XXXX XXXX and my pay check is deposited directly into my checking account and they know this so that 's why I am being taken advantage of. Please help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-21
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:
NOTE : I am a CFPB employee. 

i applied for a loan with my XXXX XXXX, XXXX on XXXX XXXX, 2020. My credit was run with Experian, with an excellent credit score.  I was denied because i have a fraud alert on my credit report with no phone number. 

I had previously run into this problem and corrected it. Forgive me, i do not remember how. I recently applied and received an auto loan from XXXX XXXX. 

So it appears to be Experian only. I was given a phone number by XXXX. It had no options relevant to my situation, and it hung up on me. I tried to go on Experian 's website. The log in I had failed. When i requested my username, it said it sent to an email address that was NOT mine. 

I tried another phone number. No options for me. No representative available. I can not find an option anywhere that allows me to add a phone number to my fraud alert. 

It seems a simple thing. Add a phone number to my fraud alert. it must only be wtih Experian since I recently received a loan. 

Please help. thank you very much.

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 2019-08-17
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:
Hello I contacted the creditor regarding the accounts on my file they have not removed nothing off my credit report the creditor agreed to remove and said they sent it to the credit breau equifax I even sent in my identity theft FTC report and nothing has not been done at all

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-16
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with the payoff process at the end of the loan

Complaint:
Bait and Switch Good Afternoon, I am writing to you to explain how displeased I am with this company. I honestly feel like you pulled a Bait and Switch routine. I came to One Main seeking a personal loan to cover some debt. You were only able to do a portion of the amount I needed. I was fine with that and was ready to walk away. Then you start telling me about taking over my car loan and I could then use that as collateral for the additional funds I needed as another personal loan. I gave you permission to talk to my wife to help facilitate this process and you repeated told both of us that in the future I could refinance and take the car out of the loan if i found a new car i wanted to purchase. You went on and on about being able to do that and gave examples how to do it the right way by contacting you guys first because you've had customers just go through the dealership and which caused hiccups. I feel so manipulated and taken advantage of. I even stayed at your office for 3.5 hours while this was being hammered out. you had to do certain things so the system would take it and again you insisted I could refinance and take the car out when i was ready to purchase a new vehicle. 

As you see the email below ; i asked to do just as you instructed me to do. then you call me and tell me i am not able to take the car out of the loan and that the total loan is XXXX for the car. The way you presented it was not like this. Your word choice suggested the car could come out and the rest of the personal loan would be refinanced. 

Had you explained it correctly I would have never went through with the loan. But you knew that and that is why you presented it the way you did. So basically in a nut shell you created a car loan for an estimated 13K when it was worth only maybe between {$7500.00} and {$8500.00}. 

How you and your company handled this situation is complete wrong. You all should honor what you stated repeatedly to us and pull the car out and refinance the rest of the personal loan. 

I want this situation resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-07
Company: Chime Financial Inc
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Hello, my name is XXXX and I would like some help in getting my money back from Chime. First of all back on XX/XX/XXXX of this year my debit card and my cell phone were stolen. Well they took over {$1000.00} out of my account. I contacted Chime and I sent it every piece of documentation they ask for, police report and everything. they seem to find nothing wrong with the fact that over {$1000.00} was taken out of my account in less than an hour and a half from 8 different locations. After appealing and appealing they still come to the conclusion that I am due no money back because they don't see anything wrong with the transactions. And they never gave me my money back, like are you kidding me?!?!?!? Then about a week or so ago I had some questionable charges on my chime account so while in the process of disputing them chime closes my account. So what now? I'm just excuse my language " XXXX outta luck '' because they decided to close my account and with no reason?!?!? I AM FURIOUS!! THEY CAN NOT DO THIS!! PLEASE HELP ME GET MY MONEY BACK. 

Sent from XXXX Mail on XXXX Sent from XXXX Mail on XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-08
Company: CAPITAL ONE FINANCIAL CORPORATION
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 status incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX account Opened in XX/XX/2011 credit card is reporting to XXXX the current payment status is " In Collection/Charge-off ''. This is inaccurate. The account has been paid & settled after charge off.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-05
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: Personal information incorrect

Complaint:
I have never lived at these properties XXXX XXXX XXXX XXXX. Pa.XXXX XXXX XXXX XXXX XXXX XXXX. Pa. XXXX XXXX XXXX XXXX XXXX. Pa. XXXX How do I get this removed from my report????

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-08
Company: Bread Financial Holdings, Inc.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
This company called my elderly father - has not ever called or left a message for me. They said they were collecting a very old debt that I was ignoring and they threatened that I needed to contact an attorney because they were going to sue me for this " very old debt. '' They identified themselves as " Agent XXXX '' like they were from some government agency. When I called them back they asked for my SSN and would not speak to me unless I gave it to them. I did not.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03
Company: Meridian Financial Services, Inc.
State: NH
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX at Meridian Financial Services , inc has been told on more than one occasion, that I am available to talk on Fridays. Yet they still call everyday some times more than once. The started right of at XXXX something XXXX  this morning. I have tried block the number no good. 
I have also explained the pandemic hit while I was taking care of 7 people one income. 
This is a very disgusting way to treat people. I do believe it will be a few months and all will hopefully be settled. The daily needs to stop and Fridays need to be respected. Harrassment is unexpected. Respect goes a long way.

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 2020-10-15
Company: Experian Information Solutions Inc.
State: TN
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 PROVIDED PROOF AND DOCUMENTATION THAT THIS ACCOUNT DOES NOT BELONG TO ME YET EXPERIAN HAS NOT FORCE XXXX XXXX  TO PROVIDE ANY CONTRACT WITH MY SIGNATURE THIS HAS HURT MY BUSINESS AND WAY OF LIFE

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 2023-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I request that this inquiry be promptly removed from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-27
Company: NCB Management Services Inc.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
ncb managment service report to credit report burea they told me they will not but they did to destroy my everything want to deleted ncb managment service from credit report and take legal action to stop collections communications, i have to do what ncb managment serivce told me to do,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-07
Company: Chime Financial Inc
State: IL
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have been trying to withdraw my money from my Chime account in order to complete a major financial transaction after contacting support multiple times, they have locked my account and are now refusing to even give me access to withdraw my funds. Through out this porcess I have expressed the temporal urgency to Chime and that I need access to these funds to complete a major financial transaction. 

Starting the week of XXXX XX/XX/2020, I attempted to move funds from my Chime savings account to my Chime spending account so that I could initiate an ACH to another institution. This failed multiple times with cryptic errors I contacted Chime support via chat and via email on XXXX XX/XX/2020 asking for a resolution. 

After no response to either chat or email, I called Chime support on XXXX XXXX. The person on the phone was unable to help me transfer the funds, but recommended that I close my savings account so that th efunds could automatically be moved to my spending account. I agreed, and he submitted the request to their escalation department and told me I would receive a response shortly. 

On XXXX XXXX, I received an email from XXXX on Chime 's escalations team asking me if I did, indeed want to do what the phone support representative suggested. I replied yes within five minutes. I later on XXXX XXXX received two emails from Chime telling me that my account has been placed on hold. They asked for a number of a documents ( e.g. IDs, utility bills, other bank statements, as well as explanations of vaguely described suspicious acitvities ). I wrote a long explanation and included all of the requested documents and sent that within an hour of receiving the first email. Given the timing of these emails only after I contacted support, one must wonder if this is either a dillatory tactic or retribution. 

I called support again on XXXX XXXX, and the two agents I spoke to ( one a manager ) looked at the interactions and said that while they agreed I had provided all of the details they needed, there was nothing they could do. There was no way they could contact the department responsible for this other than to write a note on my account.

I'm under a tight deadline for this financial transaction and must have access to my funds quickly, yet Chime is refusing to help me or give me access to the funds that I trusted with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-27
Company: Experian Information Solutions Inc.
State: OK
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:
There are many mistakes appear in my report without my understanding.

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 2020-09-03
Company: TRUIST FINANCIAL CORPORATION
State: NC
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:
BB & T # XXXX has a incorrect balance reporting due to fraud. Charges applied were not made by me. I tried to call bank but had long hold time. Disputed with credit bureaus and made a formal complaint. I can not locate card so I assume it was stolen or dropped. The card should be closed as lost/stolen. I'm not sure how long its been missing because I hadn't been using it. I refuse to pay for something I didn't charge. Reporting it as such is unfair it's illegal. Please help me resolve this matter amicably and swiftly.

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 2020-01-21
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: Information belongs to someone else

Complaint:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND INACCURATE ACCOUNTS ON MY FILE. THESE NEGATIVE ACCOUNTS HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. I FEEL LIKE I'M HELPLESS BECAUSE I HAD NO KNOWLEDGE OF THE ACCOUNTS. I HAVE NO IDEA WHO WOULD HAVE MY PERSONAL INFORMATION ON HAND AND CAUSED A GREAT HARM TO MY CREDIT, BECAUSE OF THIS IT IS NOW HARD TO ACQUIRE NEW CREDIT. I AM REQUESTING A RE-INVESTIGATION INTO THIS MATTER AND I WOULD LIKE THIS NEGATIVE ACCOUNT OFF MY CREDIT FILE. PLEASE KEEP IN MIND THAT THESE ACCOUNTS WERE NOT AUTHORIZED BY 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 non-monetary relief
Consumer complaint received 2018-09-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
Capital One doesn't want to increase my limit to at least {$1500.00} or {$2000.00} so my credit scores can go up, so I can purchase a home with my VA Benefits. 
I was denied of credit increase because I am XXXX XXXX and Retired. 

I am a XXXX XXXX XXXX Veteran. 
The credit limit that Capital One gave me of {$500.00} will not support me on my new VA Loan and home purchase.

I am making timely payments of {$50.00} through my bank checking account to Capital One as financial Institution debits my checking account each month. 

Also, Capital One hasn't updated my credit with XXXX, XXXX and XXXX.

Company response to consumer: Closed with explanation