BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-26
Company: FIRST NATIONAL BANK OF OMAHA
State: OK
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Everything was fine until I asked to dispute a charge because I didn't receive what I paid for. At that point, I stopped getting any replies to my messages then they restricted my account and I have no way of getting ahold of anyone to find out why it is restricted. Just as with the other issue, they send me a generic " we're escalating this to the appropriate team and they will reach out writing 1-2 business days '' and I never hear from anyone after that. The bank is a virtual bank called XXXX. It is owned by First National Bank of Omaha

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 2023-08-26
Company: Google Compare Credit Cards Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet

Complaint:
Google Support Inquiry : Case ID [ XXXX ] XXXX XXXX Google pay account was suspended a few days ago. And Google Pay team has already told me they will not do any further adjustment to fix my google pay account suspension. ( Please see attached email screenshot ). 

I have called my bank to help me get my debit card linked and it was successful. Even their customer service had been telling me my status was looking normal before I told the agent to double check on my account. I have no idea what is the cause of my Google Pay suspension. 

So, after being notified for such unpleasant result, I tried to reach out to google pay team, however, their customer service FAILED to give a confirmed reply to my questions, which are When will my remaining google pay balance to be transferred out to related state authority. 


Which specific state authority that I should contact to collect my funds. 

Andif possible, could I have refund back to my bank. 

For whatever the cause of Google Pay account suspension, I have the right to retrieve my money!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-26
Company: Chime Financial Inc
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Ive disputed a total of {$11000.00} on my Chime account due to fraud and identity theft in XX/XX/2023. I still have yet to receive any documents referring to my case and proving that they have conducted an investigation into this matter. They also closed my account immediately after I discovered the fraudulent activity which is expected, however I inquired about account access to my statements and was never allowed access to my account to view any and all activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-26
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I was charged excessive overdraft fees from Wells Fargo from XXXX and would like to be part of the Wells Fargo class action. At one point I was charged 10 overdraft fees in one day. This is a predatory practice and I was negatively affected.

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 2023-03-07
Company: Experian Information Solutions Inc.
State: NC
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-08-26
Company: FIRST NATIONAL BANK OF OMAHA
State: NE
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Bounced checks or returned payments

Complaint:
I am XXXX XXXX XXXX. I was scammed via the internet to deposit checks from several individuals into my bank account at First National Bank of Omaha, send half of the deposited amount via XXXX, and was ensured I would be able to keep the other half of the money. XXXX {$500.00} checks were sent to me on XX/XX/XXXX, and I deposited them the same day. I then sent half to individuals on XXXX : XXXX XXXX - XXXX XXXX  XXXX XXXX - {$240.00} XXXX XXXX - {$240.00} XXXX  XXXX - {$260.00} XXXX XXXX - {$100.00} A name in XXXX characters - {$100.00} When the amounts being sent for deposit to my checking account I started to get suspicious and refused the additional checks, and told my mom what happened. We then filed a police report with XXXX Police Department in XXXX, XXXX ( RT # XXXX ). I also provided them my SSN. 

I filed a report with XXXX as well as with my bank. XXXX said they would work with my bank but First National Bank of Omaha is saying there is nothing they can do.

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 2023-08-26
Company: Bridgecrest Acceptance Corporation
State: MD
Product: Credit reporting 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:
This account is too old to be on 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 explanation
Consumer complaint received 2023-08-26
Company: Incomm Holdings Inc.
State: IN
Product: Prepaid card
Sub-product: Gift card
Issue: Unexpected or other fees

Complaint:
I bought a XXXX dollar pre paid card. used it at XXXXXXXX XXXX and would only allow me to use XXXX dollars from it. I had to pay cash for the rest of my order. I checked the account the next day and all my money was gone. XXXX dollars just went poff.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-26
Company: ROBINHOOD MARKETS INC.
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I purchased a battery management system from a unreliable company who sent me a unit that's not as described in the description and significantly different as well as it does not work it's broken. I have been trying for weeks now to get XXXX XXXX to do a chargeback and to resolve this dispute but they keep giving me the runaround as usual. 

I want my {$100.00} back

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-26
Company: DISCOVER BANK
State: NJ
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I applied for a discover card on XX/XX/2023 and I received a denial letter in the mail XX/XX/2023 saying that my application was denied due to the status of existing/ prior discover card account. Now I have had a discover card in the past but the account was always kept current and in fact the account ended up being closed by Discover due to inactivity. So I am unsure why I would not be eligible to reapply for another Discover card. When I called Discover about this matter the representative could only tell me that at this time I wasnt approved and that I would have to retry some other time. In my opinion this is a practice of discrimination and bias and possibly a violation of the FCRA because they are restricting my right to obtain credit without having a legal reason for denying my right.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-26
Company: LEXISNEXIS
State: KY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
XXXXreported to lexis nexus a credit beureau that i was an at fault driver in a XX/XX/23 car.wreck.when i was not at fault. i wrote a.letter a year ago asking for the information to be corrected. They did not reapond Finally after.researxhing what to do i filed a dispute and it was removed. I have suffered civil.penalties and paid higher insurance and qouted higher insurance then i could afford for a.trucking company this violated for violating title 15 of the fcra

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
!! Inquiries FRUAD!! 
WE HAVE SEND ALOT OF DOCUMENT, TO TRASUNION, AND THEY REFUSE!!! TO REMOVE OR DELETE THIS FRUAD INQUIRIS. 

THEY KEEP TALKING ABOUT ANY Inquiries IS A STATEMENT OF FACT. WISH IS NOT, TO A CUNSUMER WHO REPORT ID THEF ISSUE, CREDITOR COULD SEND OR FAX FRUAD INFORMATION DUE TO THIS IDENTITY THEF MATTER. 

WE CANT NOT GO!! BASE., ON HE SAID, I SAID. 
WE HAVE SEND EVERYTHING. 

TRASUNION CREDIT REPORTING AGENCY DONT CARE HOW THEY GET INFORMATION IT COULD EVEN BE A FRUAD ACCOUNT AND THEY WILL REPORTED. THEY JUST WANT TO GET PAY BY CREDITOR!!!

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 2023-08-27
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Credit reporting 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:
I write to dispute data by TD Bank USA Target credit account due to missing, incomplete, inaccurate, conflicting and Facially False Data from my recent paper credit reports. I need the exact date of first delinquency supported by monthly statements from XXXX to XXXX. The required exact date of first delinquency is not prominently displayed on my credit reports. Thus constitutes a {$1000.00} willfully violation of the FCRA. I need the exact date of first delinquency on my credit reports. My account must be permanently listed as disputed and it was required to have been permanently disputed when I closed my account in XXXX and TD bank USA failed to promptly or immediately report the account as closed by consumer mandating another willful FCRA violation for {$2000.00} effectively extinguishing the claims if TD bank. Missing data also needs to be inserted. Based on statutory damages and missing credit data it appears that usurious interest has been charged which extinguishes any disputed purported debt. No debt us owed and the account is permanently disputed. If the account remains it must be listed as disputed, closed with the exact date of first delinquency.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I received several emails ( on XX/XX/22 ) from Bank of America stating I am late with my payment. I physically went into our local Bank of America and let them know I do not have an account with Bank Of America. Now I have received a letter from a collection agency ( on XX/XX/22 ) stating that I owe {$15000.00} XXXX reached out to them and told them that was not me. I would not give them my social, but I explained that whoever is doing this has my address, email, and spelling of my name, fortunately, the middle initial is wrong. I reached out to Bank of America, who can only give me limited information while I filed the fraud case with them. 
Please help me resolve this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-27
Company: CL Holdings LLC
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have contacted Jefferson Capital on several occasions. It started about a year ago. I was promised on numerous occasions that the debt would be taken off my credit report. They have sent me many letters to promise the debt would be taken off my credit report. They have not taken this debt off my credit report. I have requested a debt validation letter 90 days ago. I have not received anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-27
Company: Synovus Bank
State: CO
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I paid for my fees on XX/XX/XXXX to make it by XX/XX/2023, when I assumed all my fees were all paid up. I was hit with additional fees which made it impossible to pay. I'm on a fixed income and I was just diagnosed with XXXX. 

I would like to get the current fees waived since they do not provide an alternative option to pay the fees via online card payment. I also would like to request to close my credit card account with First Progress. I requested to close my account when i spoke to a representative and they told me no i can't close my account regardless if my balance being XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-27
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Fraud or scam

Complaint:
I have called numerous times to USAA regarding a check that was mailed out to me specifically... It was processed, approved, and cashed into an account that was NOT UNDER MY NAME. I have called multiple times per month, with no action taken whatsoever by the approving bank. This was a check regarding student college refunds for the amount of {$3100.00} and deposited on XX/XX/XXXX, again, to an account that was NOT MINE. I was not contacted by the check issuer, nor by USAA that this check was deposited. I was not aware of this check 's existence until XXXX of XXXX and have tried with the original issuer ( XXXX XXXX ), the school ( XXXX XXXX ), and USAA to get this resolved but I believe USAA is to be held responsible for the approval of a check into the incorrect bank account with researching beforehand. I was told I would be reached out from USAA regarding this issue. I have contacted USAA on the following dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, all of XXXX. Consistently asking for approval reason into the incorrect bank with no answer. USAA Has said no contact was attempted to reach me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Applied for an American Express credit card XXXX XXXX ; American Express ran my credit, got access to the treasury & did not give me anything. 
Subsequently I was denied and I now have a hard inquiry from them with no goods or services delivered.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-27
Company: Coinbase, Inc.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
The company coinbase stated I owed them money and that after I pay them {$26.00} I would be able to buy on their platform. I paid them the {$26.00} and they took my money and then stated buys on my account is disabled even though I paid Coinbase the {$26.00} as part of our agreement. To offer to restore a customer account if a customer pays and then after the customer pays disable the customer from buying on the platform immediately after the customer pays is a scam. I was scammed by Coinbase I have photos and other documentation from customer service representatives to prove this. 

The representatives admitted that Coinbase violated the agreement we had as they stated the restriction my account has is an effect of the previous restriction my account had. Coinbase had me pay them {$26.00} to remove the restriction on my account just to take my money and restrict my account again for no reason. This is a violation of the agreement Coinbase promised me after I paid them {$26.00} my account would be restored just to scam me. 

My account email is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28
Company: CCF Intermediate Holdings LLC
State: NV
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
LAST MONTH XX/XX/XXXXXXXX  I RECEIVED AN EMAIL OF MY INVITATION TO THE XXXX XXXX XXXX XXXXXX/XX/XXXX TO THE XXXX XXXX. I WAS TOLD BY PHONE TO COME DOWN TO RAPID CASH ON XXXX ONLY TO GIVE ALL MY INFORMATION AND BE DENIED AFTER I WAS PRACTICALLY TOLD I WAS APPROVED. THEY PULLED UP SOMETHING FROM XXXX AND EVEN WHEN I GAVE MY XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX THAT WAS DISCHARGED XX/XX/XXXX. I WAS COMPLETELY IGNORED I TOLD HER WHY I NEEDED I FELT COMPLETELY FRAUDULENTLY USED FOR SOMEONE ELSE. I GET TO XXXX XXXX XXXX ALRIGHT LOOKING AT PEOPLE I BEEN REPORTING PRACTICALLY SINCE XXXX. I HAD NO BOOTH I HAD NOTHING AND I WANT ANSWERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28
Company: Early Warning Services, LLC
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX  XXXX XXXX has informed me that an account that is being reported to my Early Warning Consumer report ( Acct ending in XXXX ) was fraudulently opened, and provided me a letter stating that I am not responsible for this account. Early Warning is still reporting this account to my consumer report. 

Please remove this account immediately. I have provided the letter confirming I am not responsible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28
Company: WELLS FARGO & COMPANY
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

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 2023-08-28
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
My XXXX XXXX  report shows an account that I don't recognize with Citizen 's Bank, The report indicates that it was opened on XX/XX/XXXX and closed on XX/XX/XXXX. Some of the information on the report pertaining to me is incorrect. This account is over 7 years old. I don't understand why it's on my report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage
Sub-issue: Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure

Complaint:
I am 2 months behind our mortgage. I have been in communication multiple times with our mortgage company - Mr. Cooper explaining our financial hardship we also signed for a certified letter sent to us by Mr. Cooper. Two XXXX  men came onto my property and would not disclose their business and refused to ID themselves. We took documents they had with them titled " vacancy certification '' without any company header or company information. We called Mr. Cooper and inquired if they could provide any information as to why these 2 unknown men came to our property. We were not given any information other than Mr. Cooper has the right to protect their asset.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
I am currently on the forebearance and the mortgage company has been reporting on my credit report the whole time I have been on the plan. I was told that that my credit report is not supposed to be impacted while forbearance.My credit score keeps dropping because the mortgage company keeps reporting negative information.When I spoke reps they were very rude to 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 explanation