BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-14
Company: TRUIST FINANCIAL CORPORATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I opened an account with Suntrust bank. I mobile deposited my pay check. I was initially alerted my funds would be available next day. The next day I was told my account would be on hold for another XXXX  days. They refused to give me any explanation as to why other than they were tipped off that my my check may not clear. I told them if there was an issue with the check I could call the states comptroller officer to clarify it because I work for the state. They refused and gave me no access to any of my money. They also refused to simply stop processing the check so that I could go elsewhere. I verified the check with the Maryland XXXX XXXX XXXX. There is nothing wrong with the check. I now have late fees on bills that I needed to have paid. They even told me they could not give me more information because it is confidential. How can my own information and my own check be confidential to me? I spoke with the the supervisor and still was told that they could not release my money for XXXX  days. They refused to even give me an explanation as to how they came up with the random date of XXXX days away. They literally took my money and wont give it back. It was {$1800.00}. I have bills and a family that depend on my check. Im not sure why a state issued check would be a red flag or how opening an account with them would flag as suspicious. That makes no sense. So Im penalized for opening an account with them? They havent even gave me the initial {$200.00} or so they give people access too while a check clears. They have my entire check on hold!

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 2021-04-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-07
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I opened a XXXX XXXX credit card on XXXX XXXX. I tried to pay the bill over the phone in late XXXX. I received credit card bill statement in early XXXX. The online system to pay my XXXX XXXX credit card has never recognized my activation or registration of the XXXX XXXX card and is generally inoperable. This is a huge inconvenience. I have contacted the company and gotten no response. I DO NOT WANT TO PAY A LATE FEE when I have spent hours trying to pay this bill on time.

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 2020-04-22
Company: Fidelity National Information Services, Inc. (FNIS)
State: TX
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:
cheystems showing inaccurate information all listed on ftc

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 2022-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXXd now.with no help.

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 2021-05-14
Company: JPMORGAN CHASE & CO.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I paid off XXXX Chase credit cards on XX/XX/2021. AFTER they were paid off in full, XXXX balance showing, I was charged interest on the 'not paid in full balance ' from XXXX previous months. On XXXX of the cards, I was actually issued a 'credit refund ' and THEN charged interest. Several emails back and forth asking for reviews have just gone in circles with either deflection language or cut and paste answers repeated.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-26
Company: EQUIFAX, INC.
State: TN
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:
I started working on my credit report in XX/XX/XXXX and sent updates to each bureau and I seen XXXX XXXX, equifax, some of the changes but all of the changes was not corrected. I have not receive any changes or updates from the other credit bureau. Please help me fixed this. I recently got married so mu name has changed from XXXX to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-12
Company: Convergent Resources, Inc.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This complaint is against Convergent Outsourcing , Inc, says credit is XXXX XXXX XXXX client account # XXXX - convergent acct # XXXX says owe {$1400.00}. I do not owe this, I have had issues in past years with my common name even at my dental office pulled wrong chart. There are 4 people in my town alone with same name. I for this reason froze my credit reports years ago and have not opened any credit card accounts. I have copies which I request yearly from credit bureaus this is not my debit. I get tired of trying to prove who I am that was another reason for credit card freeze. I wrote them letter XX/XX/XXXX, 2017 and all that did was make them send me another collection notice on XX/XX/XXXX, 2017. I have advised them I have contact credit bureaus possible identity theft and Federal trade commission.

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 2021-11-12
Company: Early Warning Services, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
I am XXXX XXXX XXXX XXXX and in submitting this complaint myself and there is no third party involved. 

I XXXX XXXX XXXX XXXX, consumer, natural person, and original creditor of a alleged debt. On XX/XX/2021 I was a personal checking account due to fraudulent information being reported on my credit file by EARLY WARNING SERVICES LLC has been reporting without my consent or proof of alleged debt. I was notified of this transgression of my rights specifically 15 USC 1611 ( 1 ) 15 USC 1692 ( j ) - The Truth in Lending Act, by EARLY WARNING SERVICES LLC.I as a natural person was harmed by EARLY WARNING SERVICES LLC. Adverse actions taken against me denying my rights, of which the civil damages pursuant to 15 USC 1611 ( 1 ) are up to { {$5000.00} }, civil damages for 15 USC 1692 ( j ) are up to { {$1000.00} }.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-02
Company: SUNRISE CREDIT SERVICES, INC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is a follow up of closed complaint # XXXX Sunrise Credit Services is in clear violation of the FDCPA Laws. From there previous response to my original complaint, there is a clear admission of guilt. 

The Affidavit of Truth was ignored, so was the Notice of Default and Opportunity to Cure Notice. 

The Law States the Following : An affidavit unrebutted stands as Truth.

Affidavit uncontested unrequited unanswered ( United States v. Kis, 658 F2d 526, 536 ( 7th Cir,1981 ) ; Cert. Denied, 50 U.S. L. W. 2169 ; S. Ct. March 22,1982 ) " Allegations in affidavit in support of motion must be considered as true in absence of counter- affidavit. '' ( Group v. Finletter, 108 F. Supp. 327 Federal case of Group v Finketter, 109 F. Supp. 327 ) An Affidavit uncontested unrebutted unanswered, Morris v. National Cash Register, 44 S.W. 2d 433 Morris v. National Cash Register, 44 S.W. 2d 433, clearly states at point # 4 that " uncontested allegations in affidavit must be accepted as true ''

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 2021-11-18
Company: WELLS FARGO & COMPANY
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Hello, On XX/XX/2021, I opened a XXXX XXXX  Everyday Checking account ending in XXXX and deposited {XXXX} to fund this account. During the qualification period I only deposited {$XXXX as I considered the {XXXX} I funded the account with would count toward the {XXXX} qualifying direct deposit promotion requirement. I have since learned I was wrong. 

My husband ( XXXX XXXX ) did the exact same thing. Subsequently, my husband reached out to XXXX XXXX through the XXXX and XXXX XXXX resolved the matter by applying a {XXXX customer appreciation deposit to his account on XX/XX/2021. XXXX XXXX ( XXXX XXXX - XXXX XXXX XXXX XXXX ) resolved his concern in a fair manner which we both appreciated - Thank you XXXX! 

With this being said, I am requesting the same resolution my husband received. Our issues are identical in nature. Attached is the letter from XXXX XXXX detailing his resolution. 

Thank you very much for your time and assistance.

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 2017-06-12
Company: SUNTRUST BANKS, INC.
State: SC
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:
I used my credit card to reserve a hotel for a weekend trip to Puerto Rico for  spring weekend as a honey moon trip. XXXX {$90.00} to reserve XXXX {$120.00} was charge the pm we got to the place On XXXX/XXXX/XXXX around XXXX we got to the " hotel '' for check in and a guy met us at XXXX to help us find the place. The place was a dump and the area was scary, I felt so bad but grab keys and left to our tour of that day. We got to the hotel at XXXX and to our surprised that we did not get the gate keys so could not get in the room. Had to wait until after XXXX for the guy that checked us in to open the door. I was SO mad at that point that I told him we were leaving the next XXXX and where to leave his keys. He said on the table. At XXXX I wrote a written notice plus sent him a text, we contacted a friend of a friend and the remaining of the weekend slept on an air mattress. The advertising for this place is deceiving and I took pictures to show how horrible it really is and on top of that to have to stay on the street unable to go inside the room it is unacceptable. My credit card company denied the dispute because I did not cancel 2 weeks prior, which makes no sense since I was planning on staying on the hotel but due to the circumstances were forced to leave. This company, ( Hotel ) has the history of doing the same thing because I found customer reviews after the fact. The credit card company did not protect my rights as a consumer and I feel ripped off having to pay for a place that first of all, I left. That made my honey moon a horrible experience and now we have to do something else later on and did not use.

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 2017-06-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Account status incorrect

Complaint:
On  XXXX   XXXX   XXXX  my credit report was pulled and In reviewing my report, I noticed the following error : Bank of America #  XXXX  This item is incorrect because The account has been in Charged Off status since  XXXX / XXXX / XXXX  ; And should be reported as such.     Also since the account was charged off the  24+  90 day lates which are reporting in the system is incorrect and should instead be 0 times 90 days.     On  XXXX   XXXX ,  XXXX  I called Bank of America and spoke with  XXXX  she transferred me to the credit analyst dept.  XXXX   XXXX . He said the account was charged off on  XXXX / XXXX / XXXX  and that they had not been reporting any 90+ day lates to the credit bureaus. I requested a letter from Bank of America stating this.     On  XXXX  I received a statement from Bank of America and it was a actual account statement from  XXXX   XXXX . Showing {$0.00} Balance.     I called Bank of America again today and spoke with  XXXX  who then transferred me to Charge off department  XXXX   XXXX  she she very mis informed and I ask to speak with a manager. She transferred me over to  XXXX   XXXX   XXXX . I went over my concerns that the account is showing a  Charge  off but still showing 90+ day lates. He said he would send a letter out to me. At this point I do n't have much confidence in Bank of America or their support staff.     I am hoping you can help me resolve and address this issue.

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 2020-02-27
Company: CITIBANK, N.A.
State: OK
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:
Today is XX/XX/XXXX @ XXXX CST 1. XX/XX/XXXX closed Citi account and received email to confirm account closure ( there was still a balance due ) - made the monthly payment XX/XX/XXXX {$140.00} - there was an increase to my bill immediately following the closure {$10.00} ) 2. XXXX made monthly payment made XX/XX/XXXX again increased payment from {$130.00} - paid {$140.00} 3. XX/XX/XXXX paid Citi card off in full {$4800.00} ( which was listed as the PIF amount due ) 4. XX/XX/XXXX Citi payment was posted to my debit card bank 5. XX/XX/XXXX at XXXX CST - Called Citi because they had charged additional interest to my account of {$16.00} since the paid in full payment on XX/XX/XXXX and - spoke to XXXX ( 2nd level management ) he waived the {$16.00} additional charge and stated a XXXX  balance email would be received that would arrive as soon as the payment was posted and state account closed. The excuse was the payment had posted at the time I made a payment leaving interest due - however their website stated this was the total amount due on the date of the payment! He allegedly removed any residual interest charges they added to the account. XXXX also said he would send an email generating a XXXX  balance by Tuesday as that is how long it would take Citi to clear his interest adjustment and generate an email to me with account closed and XXXX balance. To date ... nothing has arrived. 
6.XX/XX/XXXX - Logged into my Citi account it does show an adjustment of the interest subtracted for {$16.00} - BACK DATED to XX/XX/XXXX? 
Yes, he lied in the system because the adjustment took place on or after ( according to XXXX at least 48 hours to adjust ) the phone call stated # 5 above!!! 
7. XX/XX/XXXX - The " running balance " as of today is {$0.00}. However, no email has been received as promised regarding the account paid in full and XXXX balance. 

I am requesting : 1. all of my personal account information - phone, email and payment info be removed from this account 2. a letter emailed asap stating the account is closed and was paid in full on XX/XX/XXXX and a XXXX  balance. 
3. Payment and all PII information deleted and suspended immediately. There is not a way for me to delete the payment information from the account!!!! However, I can ADD another account! 

Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-26
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Confusing or missing disclosures

Complaint:
This is about COINBASE.COM. 

They are holding everyone money if you send out, they have no way to contact them except you write them a ticket, and when you do that they do not respond to your ticket. 

Thousands of people have their funds with them, and I know it will be up to {>= $1,000,000} which they have with them. When you request to send money to another XXXX customer or for service payment, They do not process them and they do not say a reason why. 

Please, we need this fixed ASAP. 

Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-27
Company: REGIONS FINANCIAL CORPORATION
State: MS
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I opened a checking account with Regions that is a business checking account and to get no fees on the account I opened a merchant account with them also. There were to be no fees associated with the Merchant account unless I used the account. The merchant processor has repeatedly charged me a fee for using them and has constantly stated that I had to do the PCI Compliance or be charged a fee and I have done the PCI Compliance. I have tried to be nice and work with both but neither are working with me. Also, Regions has been charging NSF/Overdraft fees and I have no record of why these are being charged.

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 2017-06-12
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I received a notice dated  XXXX / XXXX / XXXX  from my lend er, Fifth Third Bank,  regarding a shortage in my escrow account that I needed to pay by  XXXX / XXXX / XXXX . Upon inspection of the notice, I found several errors. First, the escrow statement showed that my lender was continuing to deduct PMI monthly, though no PMI payments have been reflected on my monthly mortgage statements since  XXXX   XXXX . I sent Fifth Third a request to stop PMI once I reached 80 % LTV ; by  XXXX   XXXX  my payments put me at 78 %  of LTV  so Fifth Third Bank is illegally containing PMI on my mortgage account, and have been doing so for months without my knowledge. Second, my escrow statement includes projected PMI payments well into  XXXX , though I am already below 78 %  LTV  ratio. Finally, escrow statement includes a double payment on my homeowners insurance for  XXXX  -- which they paid in  XXXX   XXXX  and my statement shows an additional  XXXX   XXXX  mortgage payment, which accounts for most of the escrow underage they claim I owe.

Company response to consumer: Closed with non-monetary relief