BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-12-15
Company: CITIBANK, N.A.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
In XXXX, I contacted Sears regrading my situation and told them that we got affected by hurricane Harvey and would like to see if they can assistance us in any way or shape. I told them that we are living in FEMA assisted hotel and my employment got affected by hurricane Harvey, so the customer representative at the time told me that he will try to help us. Upon checking in their system they told me that they have Fema program going on with which I wont have to worry about my both Credit Card payments until XXXX and I can start my payments at the somewhere around at the end of XXXX XXXX and that 's what I have been told couple of time. Then recently, I got call from Citi bank and the customer representative told me that my accounts have been past due from 60 days in which I informed him about our previous conversation that I have with several customer Representative. So he told me that the program was for only two months which I was n't informed about and ; So I try to justified my point tell him that I was informed about about the program was till XXXX XXXX and I can start my payment around end of XXXX XXXX so he told me that he was sorry about the misinformation. So I dont think that several Representative giving misinformation and still reporting it to my credit bureau. I still receive consistent calls about my 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 2019-07-18
Company: PNC Bank N.A.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I recieved a defective motherboard from XXXX, after trying to resolve this with the seller they want me to ship it back to XXXX at more cost to me, more than the original item is even worth. I tried to do a chargeback / dispute with my bank and they say that is not a reason for a charge back which makes no sense, I received an item that doesn't work and not wanting to lose more money I just want a refund of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01
Company: Square Inc
State: CT
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Confusing or missing disclosures

Complaint:
Today XX/XX/XXXX at XXXX XXXX. to charge my customer {$500.00} + 6.35 % for a XXXX XXXX I own XXXX XXXX I had verified my bank account three or four times several times a few days prior to the queen and the transaction as well as the night before I am verified my bank account once I did the transaction and charge my customer I received an email stating that I must verify my account further by entering 10 qualifying questions and that I would receive my money within two business days if they could properly verify my account I must now figure out how to refund my customer wait for 3 business days for the customer to receive the money then ask the customer to pay me again by using a different venue or payment method I asked to speak to a supervisor XXXX stated that supervisors do not take phone calls I may never see this money if my account is not properly verified if I had to pay people I would not have been able to pay them today and I almost had an employee come work with me today that I would have had to pay this would have been extremely embarrassing and subject me to complaint in lawsuit

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20
Company: U.S. BANCORP
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
XX/XX/20- US Bank has recently decided to close my account, without any reason. My theory is that a month back I had filed suit in which I suspected the bank had wrongfully managed my account. The court did not rule in my favor, I had left it alone afterwards -- if the court said the bank was acting in good faith why pursue it? I feel that because I had exposed a lot of the company 's actions they have decided to terminate my account but because they aren't releasing information about why they are closing my account I am only left to speculate. 

I wish to remain having an account and I feel as though establishing a policy that allows the bank to terminate my account without any reason or for whatever reason is a violation of my Freedom of Choice and my First Amendment Right to choose what bank I can bank with. Of course, I choose another bank but if US Bank is allowed to do it so would any other 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 2018-12-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I WANT ALL 4 CREDIT BUREAUS TO LISTEN TO ME REGARDING ALL SECURITY ALERTS AND CONSUMER STMS.

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 2023-01-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
Hello CFPB Team, I have been trying to work with these credit bureaus for quite sometime now. Unfortunately, they have not been responsive to my disputes so I am submitting my disputes through here. 

I would like to report that the bureau did not receive my permissible purpose to report these negative and inaccurate accounts to my credit profile. 

The letters attach detail more about the scenario. Please see to it that each bureau receives the disputes.

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 2020-09-14
Company: Global Lending Services LLC
State: WI
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:
As the result of an error at XXXX of XXXX this inquiry as added to my credit report. Ive communicated with GLS and sent them a different letter from XXXX explaining the situation that I no longer have access to. GLS has been uncooperative with removing this unauthorized inquiry from my credit report and I feel bullied into an inaccurate credit report because they dont care nor offer resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-26
Company: General Motors Financial Company, Inc.
State: PA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
XXXX XXXX XXXX XXXX XXXX denied my claim XX/XX/XXXX to pay off the rest of my car loan which the vehicle was totaled. They claim that my claim was denied because of commercial use. But In the contract it states the vehicle is permitted for commercial use. And GMC Financial is still reporting late payments to the credit bereau because of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
Santander Consumer USA took a payment that I made 20 days before it was due and applied too much of the money towards the interest rate opposed to the principal of the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02
Company: Experian Information Solutions Inc.
State: MD
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 have incorrect information on my credit report. This is a DIFFERENT CASE, SEE ATTACHMENTS. I tried to get it investigated via mail on XX/XX/2023, however, Experian sent me an email stating that it was not me who sent the letter - BUT IT IS ME. Experian did not open disputes as requested. However, I called them and they said they could not process my letter dispute, they still haven't opened disputes to investigate. I will be attaching the email from them that they sent on XX/XX/2023 and the dispute letter that I sent on XX/XX/2023 originally. My license and utility bill are both in the attached document, so you have proof of address and proof of identity, as well. 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 non-monetary relief
Consumer complaint received 2019-03-21
Company: Experian Information Solutions Inc.
State: OR
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:
Experian received fraudulent information from XXXX XXXX ( company ) via XXXX XXXX XXXX XXXX ( debt collection ) in XX/XX/2018 for money I never owed.

I filed an online dispute with Experian and the agency chose to ignore my dispute, not investigate my dispute and keep the fraudulent collections account on my credit bureau 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 2023-08-24
Company: CITIBANK, N.A.
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
this is on my citibank card on XX/XX/XXXX with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX i had it in despute and they said that the merchant is unwilling to issue credit for the amount case closed!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-07-18
Company: SYNCHRONY FINANCIAL
State: AL
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:
Fraudulent Credit card was issued by Synchrony Bank for a BP credit card with a limit of {$2400.00} on XX/XX/2019. I called the number listed on XXXX XXXX for SYNCB/BP DC C/O XXXX XXXX XXXX, XXXX, FL XXXX ( XXXX ) on XX/XX/2019 and spoke with someone in their Fraud Department to report the account as fraudulent. On XX/XX/2019 the account re-appeared on my XXXX XXXX report with a balance of {$2300.00} but I did not notice until XX/XX/2019. I called Synchrony Bank again and spoke with someone in their Fraud Department and they said it was highly unusual for an account to be reopened and a new card issued and they were locking the account again. At this time I also called the XXXX, AL XXXX and opened an APD case report XXXX and filed this with XXXX  I have since received the new credit card in the mail and the billing statement that I owe {$2300.00}. So I have now been victimized twice, once by the fraudster and now by Synchrony Bank. 

Synchrony Bank contends the account is valid and verified because a {$27.00} payment was made ( not by me ) on XX/XX/2019 but the account balance is {$2300.00} and they say I owe it. XXXX says their case is closed since Synchrony Bank says the account is valid and my only option is to file a complaint with the Alabama State Attorney General and file a complaint with the CFPB. 

When filing a complaint make sure you have a police report as required by the FCRA.

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 2016-03-18
Company: AMERICAN EXPRESS COMPANY
State: CO
Product: Credit card
Issue: Rewards

Complaint:
As the XXXX, I applied for the AMEX Platinum card with an offer of XXXX and another XXXX if I spent $ XXXX on the card in first 90 days. After the 90 days, AMEX only deposited XXXX miles in my account. After contacting them and having the letter offer and offer code, they said " we do n't have any record of that and ca n't help. '' This is misleading and wrong -- we intended to use those miles to help our small business grow. Open to suggestions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-14
Company: SYNCHRONY FINANCIAL
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Early this year Synchrony Bank ( Gap Credit Card ) offered card holders a promotion. If one spent {$500.00} in XXXX to XXXX, inclusive, on non Gap purchases one would receive a {$50.00} Gap credit certificate. I did this, never received the certificate and eventually called the number on my credit card and was sent the {$50.00} certificate. 
The promotion was run again for the period of XXXX, XXXX, XXXX. Spend {$500.00} in non Gap stores and receive a {$50.00} Gap certificate. I spent the {$500.00} and again no certificate. I called over the summer and was told I would receive the certificate and that it took a couple of billing cycles. 
I am filing this complaint because I have not received the certificate. A short while ago I called XXXX and spoke to a representative of the credit card company who said there is no record of the promotion existing. At this point I can not the email offer. I called Gap customer service and they said it is a credit card promotion. 
Synchrony Bank can not continue to offer these promotions and then not follow through and them.

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 2021-11-11
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
The morning of the XXXX of XXXX, when I woke up I tried to access my CoinBase account to withdraw my money and found out that my account was " under review '' and all my money was locked. I can not withdraw, exchange or even add funds to my account. I sent a ticket to CoinBase support and they pointed me to fill out some personal details that were already filled out when I registered. I changed the tiniest details so they would match my ID as best as I could, thinking that might be the problem, but that did nothing to solve it. I uploaded my ID and my driver 's license 's pictures as a verification several times to no avail ; far from helping me solve the problem, now my account needs to be verified through this method ( uploading ID picture ), and it won't accept the pictures no matter how clear they are and how easily readable. 

I contacted CoinBase support again, pointing out that I had found this new problem and that I needed a solution to access my money, but they just told me to stop messaging them as " it would only slow down the process of reviewing my account ''. I have no idea why it was being reviewed as I have not made any strange money movements ; in fact, I didn't move any money or exchange currencies since several days before this issue, so the account was untouched.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03
Company: BARCLAYS BANK DELAWARE
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Had several late charges from Barclays credit card and was unsure as to how and why these were being applied. Discovered today that Barclays converts the paper check to an electronic check, submits it to my bank for electronic payment and after the check is paid they then credit the account with a payment, along with a late fee. Most recent payment was due Saturday, XX/XX/2021 and an electronic request for payment was submitted to my bank at XXXX XXXX., Monday, XX/XX/2021. Speaking with Barclays this morning ( XX/XX/XXXX ), while there is a payment pending to Barclays with my bank, they are indicating that they have not received a payment from me and have not credited my account with the payment. In order for Barclays to submit an electronic payment they would have had to had the check on XXXX ( no mail delivery on Sunday XX/XX/XXXX ). Barclays must credit the account with a payment the day received, not after turning it into an electronic check and having it cleared through my 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 monetary relief
Consumer complaint received 2023-08-24
Company: EQUIFAX, 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:
I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still items to be fixed. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
Company: EQUIFAX, 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:
How many times did I tell you to removed these accounts from my file as they were fraudulent XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have a mortgage with Bank of America. They had a mortgage system update in XXXX, and since that time I have had several issues. On XXXX, I had a balance of {$6500.00} on my mortgage I sent a {$2500.00} payment from my bank on XXXX which did not post. I sent a {$500.00} payment from my bank on XX/XX/XXXX which did not post to my account. I called BofA repeatably for the next two weeks,  experiencing hold times in excess of XXXX XXXX hour each time. They finally gave me an ETA of XX/XX/XXXX to locate and post my payments ( unacceptable ). 

Since I was very close to paying off this loan, I submitted a {$3500.00} payment on XX/XX/XXXX. That payment did post to my account, along with the {$2500.00} payment. The payment of {$500.00} is showing on the account as 'unallocated ' as I was close to paying off the account. I've called several times to get that amount allocated so that I could get an accurate payoff amount. Currently my account shows a {$590.00} principal balance. A representative told me that my payoff would be {$100.00} and that it had to be wired, or sent via certified check per our agreement. I never had an agreement with BofA as my mortgage was sold to them, but I spent the extra {$25.00} to have a payment wired. I wired {$110.00} to them on XXXX and that payment also has not posted. I called again on XX/XX/XXXX, and a supervisor was supposed to call me back on Friday, XX/XX/XXXX - which they did not. Today my balance still shows {$590.00}. They have had my {$500.00} for over a month, and my {$110.00} for a week. Nothing is happening. 

I'm currently on hold with BofA, for the 5th time.. I have over 12 hours of phone time with them to pay off a {$590.00} mortgage. It's unacceptable for a financial institution to treat customers in this matter.

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 2022-11-28
Company: EQUIFAX, INC.
State: MO
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:
This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 


XXXX XXXX XXXX XXXX XXXX : {$370.00} ; XXXX XXXX XXXX XXXX XXXX {$770.00} ; XXXX XXXX XXXX XXXX XXXX {$200.00} ; XXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/2019 XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/2019 ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX

Company response to consumer: Closed with explanation