BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-02
Company: TRUIST FINANCIAL CORPORATION
State: FL
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:
Suntrust ( as they love to say " Now Truist! " ), has been making me wait almost an entire month to make a single payment. They have shown double charges and reversals, telling me that they have indeed received everything correctly, only for it to go back to how it was. Eventually the Bank decided to send me a letter through snailmail letting me know there is a specific number I can call to try sorting this issue. Calling the number however, only induces more frustration as they inform me there's nothing " they '' can do until the payments that will- not go through, " finalizes '' and then they can start working with me. 

To be extra clear, I attempted two payments through the app. The first one I set up and saw no form of acknowledgement or confirmation, thinking maybe it didn't go through, I made another payment which also didn't show. Two day 's later I see them post to my account but eventually they reverse, for some unknown reason. I tried again through the app with no luck. It is after these events I receive a letter and make the call. The payment confirmations that are being sent to me ( over the phone payments with an associate ) state they are coming from a suntrust bank ( I do not have a checking account with them, and also they confirmed over the phone the Correct bank ) so I'm not sure what's wrong with their system, but, something is and they are making me pay for it with my time. 

This entire time however they've had no issue reporting my apparent balance to the Credit Bureau 's, that my card is at whatever % of usage, even though I've been attempting payment. 

Truist is going to make me wait to solve their issue, I've had previous, non credit card related issue 's for months, and they're making ME report to the credit bureau 's that there is incorrect info.

I've had multiple over the phone associates either speak softly, with terrible quality, or flat out rudeness. I have also had them hang up on me, in different circumstances. I've been put on hold for 10 minutes to have them hang up, I've also been told " okay wait while we transfer you '' and had them hang up. 
That's another game they like to play, no one seems to know which specific department to send you to so prepare to go round n ' round if you need to call 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 2018-08-13
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have sent a number of disputes via certified mail and have not received documentation that the debt is mine. This is not my debt. Please provided proof of debt, such as a signature, etc ....

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-25
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Santander Bank closed my checking account on XX/XX/XXXX without offering any explanation and any warning. The bank only posted a letter in my account online ( attachment, page 1 ) on XX/XX/XXXX indicating that " we have processed your request to close your account. '' However, I never requested to close the account and I did not even receive an email indicating that the letter was posted. When I called the bank, the representative could not explain why the bank closed the account and only mentioned that the bank has the right to close the clients ' accounts anytime and supposedly the bank sent me a letter a month in advance. 

The bank mailed me a letter on XX/XX/XXXX, although dated XX/XX/XXXX and without any electronic record ( attachment, pages 2 ), indicating that " we reserve the right to close any account at any time, and for any reason. As a result, we have made a decision to close your account ( s ) '' ( attachment, page 3 ). I also received a similar letter ( attachment, page 4 ) dated on XX/XX/XXXX, indicating that " Santander Bank has made the decision to close your account. '' These letters contradict the ( original letter page 1 ) and they seem to be created by the bank to give the impression that the bank already alerted me. 

My complaint is that the bank closed the account arbitrarily without any previous warning during the XXXX break, and this originated a very difficult situation. I was traveling abroad for the holidays and could not get to the USA until the beginning of XXXX. In the meantime, all my payments were not accepted and I had to pay several fines as I could not move my accounts to another bank on time. Additionally, the moment that the bank closed the account, I lost an interest rate discount on my HELOC account which had a credit limit of {$710000.00}. Hence, I had to pay a higher interest rate ( 0.26 % ), and closed my HELOC account paying an early termination fee of {$450.00}, a satisfaction fee of {$53.00} ( I do not know what this is ), and two fax fees of $ XXXX/each ( attachment, pages 5 and 6 ). As the additional interests that I paid for 4 months until I closed the HELOC account was {$610.00} and the total fees were {$500.00}, the total financial effect was {$1100.00}. 

I was able to get a new mortgage for my home with XXXX XXXX XXXX, so my credit scores were very good ( >740 ). Additionally, the XXXX report did not show any irregular situation for my wife and me, and I justified large movements of my account with my branch manager. So, there was not an apparent reason to close the account. The only possible reason is a retaliation of the bank because I filed a report with CFPB on XX/XX/XXXX for charging me an unjustified flood insurance 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 2019-05-21
Company: WELLS FARGO & COMPANY
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/2019, I was searching an XXXX XXXX XXXX on XXXX. Found one selling for {$400.00}. On the website, it has a feature to contact seller in a chat. I did and sent the seller a message, the person replied back with a phone number ( XXXX ) XXXX-XXXX and told me to text him there. 
I texted him about condition of the phone and if it is unlocked, and other questions of the phone. he sent me few more pics of the phone besides the one on the website. I still have all the text message on my phone as evidences. He said he accept apply pay or XXXX. I remember XXXX is being advertised on my bank before in some spam email, so I decided to try it. After sending the seller the money, he no longer answered my texts and phone calls. I immediately felt suspicious and informed Wellsfargo my bank and file a claim for fraud. someone from wells fargo was on the phone with me about 40mins filing the complaint. 

Yesterday, XX/XX/2019, I got a letter saying the company denied my claim. I have the letter. it said I was the one send the money. I am not denying if I did. I am claiming I am being scammed. There is no buyer protection using XXXX. Product was never received.

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 2021-01-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
TransUnion is reporting a late payment on my credit report from XXXX of 2020 which is not accurate. The credit card company is 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 explanation
Consumer complaint received 2019-05-25
Company: Freedom Mortgage Company
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I made phone payment to my mortgage company Freedom Mortgage XX/XX/XXXX. And received notification late yesterday in writing that my payment was never made. Call customer service and yesterday evening confirmed account information from checking that the payment was reversed and to call my bank. Call my bank and confirmed no payment or not reversal was ever made. Call Freedom again today and was told that payment was take but the wrong bank account information was take at time if process ; and pull the phone records and claim I verbally gave the incorrect account number, but confirmed my payment/account information used every month was correct on record and refused to correct the derogatory reflection on my account or the credit report even after bringing account current despite the representative inputting and not confirming account information before processing the initial payment.

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 2018-03-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
From XX/XX/XXXX to XX/XX/XXXX XXXX tagged my credit 49 times as late on payments. I was never informed that I was late or delinquent and it is crushing my credit score. I'm a victim of predatory practices from a notoriously predatory company. I am current with my loans and have paid thousands to XXXX and other private student loans, but the late payments still persist and it's hard to live my life. It's hard to get approved for car loans, credit cards, etc.. Always subject to high interest rates etc.. I just want this company, who's supposed to be the US department of Education, to remove these late payments. It is of no use to anyone to continue to bury as if I don't pay my bills.

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 2021-09-20
Company: EQUIFAX, INC.
State: MA
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:
On XX/XX/2021, I sent a letter in regards to off base and obscure things on my credit report. Right up 'til the present time, more than 30 days after the fact, I have not gotten a response at this point. I feel like I'm being taken advantaged of and being overlooked. Section 611 ( a ), It expresses that inability to research these things inside 30 days gives motivation to quickly eliminate those things from my credit report. It's been more than 30 days so they ought to be erased expeditiously. I request that these records be erased promptly or I will petition for suit because of the pressure you have caused me. My data was likewise affected by the Equifax data breach and may have gotten under the control of some unacceptable individual.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-17
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I have an ongoing problem with paypal where they keep taking money out from the wrong funding source. This happened multiple times over the past 6 months. I will set my default payment method to my credit card, my backup as a credit card. Then they will charge my checking account. This time I took screenshots. 
These charges are from an ebay shipping agreement. I sold several items on XXXX, they sent XXXX $ each to my paypal account. I purchased shipping labels from them, in order to do this I had to agree to a billing agreement. The billing agreement said it would come from my default funding source, which I made sure was my credit card. 
This happened several times and my checking account was overdrafted. I called them to see what happened and they confirmed that this issue was affecting muItiple people. I asked them to cover my NSF fees and they agreed to a XXXX $ credit. Its been a week and they havent sent anything

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-21
Company: The CBE Group, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX phone company is claiming I owe them {$8600.00} for account # XXXX. 

This notice came after the contract was paid in full throughout the year of XX/XX/2018 and closed. Notice came in the form of the Collection Agency letter. 

Numerous communications were made with XXXX whose website bill statement claims all the payment made throughout the year reversed back on XX/XX/18 due to Financial Institution request. I was advised to contact Financial Institution. And I did. As per my bank, transactions claimed by XXXX did not take place which is further supported by bank statements. 

These same bank statements were provided to XXXX for investigation which had no consecutive action, phone calls, or emails. In a follow up communication by me I was advised to follow up with financial institution, which I already did, and the conversation went on in circles. 
Meanwhile, collection agency is calling me several times a day, and already effected my credit score.

I am attaching three bank statements around the date XX/XX/18 to show no reverse transactions registered on my end.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-13
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
I told the company that they could come get the vehicle.. the shop that has the vehicle has sent out letters for them to come pick the vehicle up and they fail to do so. I am in a financial bind and am not able to make the required payments, before this I have never missed a payment or has been late. The vehicle is ready to be picked up and is available to the company. Why want they get the vehicle back? They keep calling my job and upsetting my coworkers by telling them they are lying about me not being there ( I have been on leave for 3 weeks ) I have asked them to please stop calling my job and just call my cell number but they refuse. This is harassment!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-05
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
A lawsuit was filled in the county court for a debt that I have never received written notification for. When I go on my credit report, its there but with vague information, not saying anything other than XXXX, which I had one account with that was taken care of years ago. It also states that this account was opened on XX/XX/XXXX but the date of first delinquency is XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20
Company: BANK OF THE WEST
State: UNITED STATES MINOR OUTLYING ISLANDS
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
On XX/XX/2021 I sent a secured message while logged in to bank of the west to request the closure of the checking account, on XX/XX/2021 I received a online response to the secured message stating the said account will be sent for closing. 
On XX/XX/2021 a fee of {$10.00} was charged to the same account and this fee was not disclosed earlier but per me account was closed on XX/XX/2021 itself. 

To my surprise account was not closed- upon checking the status I immediately called the bank customer service on XX/XX/2021 and waiting for XXXX hrs on the phone line without being able to reach to anyone. 

Sent secure message reply on the earlier message for closing and received a response that since the balance is negative it can not be closed and was asked to contact the branch. 
It has to be noted that this account was opened online and meant to be completely online without need of any branch. 
I called the local branch on Monday XXXX and branch rep is asking me to come to branch to close the account- despite online confirmation.Multiple secure messages and wait on customer service phone is not helping and bank is becoming a pain to close the account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-08-13
Company: AMERICAN EXPRESS COMPANY
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I contacted American Express to take advantage of their 0 % Balance Transfer offer on their Amex Credit Card. When I signed up for the card, the representative told me that the maximum amount that an individual could balance transfer was {$7500.00}. I asked if this limit could be increased to {$13000.00} because I wanted to balance transfer {$13000.00} from my XXXX Credit Card and he told me no, but that I could apply for a second card and put {$7500.00} on each one. So that is what I did. My second credit card application was declined so I called American Express to find out why. This representative told me that I couldn't apply for the same credit card twice, but that if my wife applied for the credit card, that I could balance transfer {$7500.00} onto my card and she could balance transfer {$7500.00} onto her card. So that is what we did. I applied for the balance transfer and it went through right away. My wife applied for the balance transfer and it was " pending ''. After several days, we called American Express and they cancelled her balance transfer and resubmitted. After a few more days, we called to ask why and nobody could give us a clear answer other than to wait a few more days and to call back if I didn't go through. After several more days, I called in and demanded to speak to a manager. After being told they would have a manager call back, we waited 3 more days ... no call from a Manager. I called back last Friday and demanded to speak to a Manager. They assured me that a Manager would call back by the end of the day. After waiting 6 hours, I called back and refused to get off the line until a Manager answered my call. When he did, he informed me that you couldn't do a balance transfer from the same credit card more than once. This response is completely unacceptable. Now my credit card payment is due, and I'm going to be stuck paying hundreds in Interest charges because they did not allow a balance transfer that I was told by two of their representatives, could happen. On top of it all, their suggestion was to have my wife balance transfer the amount to a different credit card which we reluctantly did in the heat of the moment. 30 minutes later, we called back and told them to cancel that Balance Transfer and that we DID NOT want it to go through. The representative provided us with a confirmation number and assured us that the balance transfer was cancelled. She asked us to call back in 48 hours to confirm. 2 days later, my wife called back and she was instructed to do and they told us that the balance transfer went through. Now my wife has a - {$7500.00}  balance on her XXXX  XXXX XXXX card and a {$10000.00} balance on the American Express card. This is FRAUD and this is complete and total XXXXXXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-13
Company: AMERICAN EXPRESS COMPANY
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I closed all my American Express accounts a few years ago. In XX/XX/2017 I ordered a copy of my credit report, and it showed AmEx still open. I contacted AmEx and filed a complaint with the credit reporting agency. I recently received an annual copy of my credit report, and the card was still showing as open. I phoned the number for AmEx on the credit report, but the automated info asked for my account number and I don't have the complete number, so I was on hold forever until I finally hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-18
Company: Navient Solutions, LLC.
State: NC
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 tried contacting this company by information provided and have yet to reach anyone or have anyone contact me back regarding closed accounts on my credit report concerning Navient XXXX XXXX XXXX XXXX, PA XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Yesterday, XX/XX/XXXX, I submitted a complaint to CFPB that I could not dispute my credit card transaction from my online bank. BOA requested that I call and talk to them for the dispute. My English is not good enough to speak. But I can read and write, which means I can handle online chats or messages, but not phone calls. I have disputed transactions through the BOA online bank before, and did not have to call customer service. I do not understand why I must call the BOA customer service this time. I also can not find the " send a message '' option from BOA 's message center. I think it is very inconvenient for me. So I submited a complaint to CFPB. Today my daughter received an email ( her email address is listed as a secondary contact method in the online bank 's profile ) from BOA 's XXXX XXXX, who again asked me to call her/him and talk about my complaint. I can not understand what BOA is trying to accomplish! I complained to BOA about the barriers caused by them only accepting the phone calls as the contact method, then BOA asked me to call them about my complaint. This is serious discrimination based on language. 

Thank you for your time and attention Best Regards 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 explanation