BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-06-05
Company: SUNTRUST BANKS, INC.
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:
I have a XXXX with SunTrust Bank. Their online payment system is very buggy at best and they refuse to even acknowledge that they have a problem. If it was an annoyance that would not be so bad but this is costing their customers a lot of money. The system either sometimes acknowledge an online payment but does n't actually submit it and sometimes refuses an online payment but actually take the payment. On XXXX XXXX, 2017 I attempted to make a payment of {$250.00} online and the system rejected it twice. I call customer Service for help but was told that they could my bank with the routing number. There was nothing wrong with my routing number. I called the next day ( XX/XX/XXXX ) and was able to make the payment and the representative told me that the other attempts were not successful. I talked to a supervisor ( XXXX ) and he confirmed that I was unable to make the payment on line. He insisted that there is nothing wrong with the bank online system. The next day I checked my account on line again and noticed three payments ( 2 on XX/XX/XXXX and 1 on XX/XX/XXXX ). I called SunTrust and was told by XXXX not to worry as their system shows only 1 payment made over the phone. When I checked my personal checking account however, it showed that SunTrust withdrew {$750.00} ( three times {$250.00} ) from my account. I called SunTrust back and asked to talk to XXXX the supervisor again but was told that he suddenly went on vacation. I talked to two other supervisors, XXXX, XXXX and one manager, XXXX and was told that the best the bank can do is issue a refund but I would have to wait at least ten business days. Now my other bills are in jeopardy of defaulted and SunTrust would not so much acknowledge that they have a problem. I understand that this bad system does n't affect the bank as they are able to collect late fees when their system fails and benefit from people having bad credit scores since they can charge higher rate, but I do n't think they should be allowed to defraud their customer like this. This is morally reprehensible and ultimately will be bad for business.

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 2021-11-15
Company: Bread Financial Holdings, Inc.
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
I have missed a few payments from Comenity Capitol Bank and I received a voicemail stating if I dont call them back they are going to place a warrant out for me. That is illegal and not allowed under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-05
Company: ERC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This debt was settled and closed. It appears that its been resold to ERC to again illegally collect on a zombie debt. I did contact ERC about this issue with no response. Instead it was reported to both  XXXX   XXXX   &   XXXX  as a derogatory mark on my  credit score .

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-05
Company: SUNTRUST BANKS, INC.
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with additional add-on products or services

Complaint:
In XX/XX/XXXX after many attempts by XXXX XXXX branch manager XXXX XXXX and XXXX XXXX XXXX I agreed to move my business loan from XXXX XXXX XXXX too XXXX XXXX 
<P/>
XXXX XXXX XXXX made a business loan to XXXX XXXX ' XXXX XXXX XXXX in the amount of {$11000.00}. Secured by the property addressed XXXX XXXX XXXX, XXXX, Georgia and XXXX XXXX XXXX XXXX, Ga. 31201. Filed in the Superior Clerks Of XXXX County, Ga.
Book 1933 page 181. The same not was marked satisfied XX/XX/XXXX book 3267 page 10.
<P/>
XXXX XXXX Of XXXX County original note filed in the Superior Clerks Of XXXX County, Ga. XX/XX/XXXX book 5427 page 269 in the amount {$170000.00}.
<P/> XXXX XXXX of XXXX County, XXXX, Ga was closed by the Georgia Department of Banking and Finance, and the FDIC was named Receiver.
<P/>
All deposit accounts were transferred to XXXX XXXX and XXXX XXXX The banks name changed but the employees remain the same.
<P/>
My loan is up to date with XXXX XXXX and has been paid on time every month.
<P/>
The problem with XXXX XXXX formally XXXX XXXX is the beginning amount of the loan is more than the payoff amount made to XXXX XXXX XXXXk. The maximum amount borrowed from Trust Company Bank was {$110000.00}.
<P/>
There was one renewal with SunTrust Bank and the balance on the renewal note was {$97000.00}. I never borrowed any additional money on this note.

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 2021-11-15
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My debuts card was used by someones fraudulently. I even got a chase fraud alert for that transaction at XXXX XXXX XXXX. The card was also used for playmakar at the same time. Chase bank refuses to give me my money back. I filed a claim in XX/XX/2021. It was closed within two weeks saying it was not fraud. I told them I will proved your profs I have even filed a police report about identity theft they reopened my case. They asked me to keep calling them every week that soon decision will be made, now on XX/XX/2021 Im told that the case has been closed and you will not be getting your money back and its like around {$300.00}. I would like consumer help to please help me get my money back that were a fraud

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-27
Company: Experian Information Solutions Inc.
State: TX
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:
The following credit inquiries on my Experian credit report are unauthorized AND not made by me. According to the FCRA all unauthorized records/inquiries should be deleted from my credit profile immediately. I have made a report with the FTC ; FTC Report Number XXXX The credit bureau in this report have refused to delete these inquiries when I reached out to them and requested such deletion. Here are the unauthorized inquiries : XXXX XXXX XXXX Inquiry date : XX/XX/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 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 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  -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- I have also asked Experian to update my address to : XXXX XXXX XXXX # XXXX XXXX  XXXX, TX XXXX AND delete all other addresses. I have filed a previous complaint and they failed to make the right correction. This has made me vulnerable to identity theft due to the possibility of my mail going to addresses I'm not associated with.

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 2020-08-19
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: Problem with personal statement of dispute

Complaint:
I have disputed with all agencies with no responses starting XX/XX/XXXX. Please provide documentation of what actions were taken on all disputes online and in the mail. All claims made are still valid.

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 2021-03-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 mailed a letter about inaccurate, misleading, and unauthorize things on my credit report. It has been well over 60 days since I sent this letter and still have not received a response,. I contacted the bureaus and was told that I can not speak with a representative over the phone and am only allowed to mail or fax the office. I feel like they are neglecting and not taking my disputes serious. According to Section 611 ( a ) any failure to investigate these items within 30 days gives a qualified rationale to immediately remove those items from my credit report, given that it has been over 60 days, and I have not heard one word from this company, these items should be deleted immediately and without hesitation! If these accounts are not deleted immediately, I will include these mishaps and neglect in my current litigation due to feeling unheard and mistreated. Please also look into my information being breach in the XXXX  data breach bc i'm afraid that it gotten into the wrong individuals hands.

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 2020-03-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Unexpected or other fees

Complaint:
I responded to an add for a puppy. The company used to deliver the puppy kept asking for all kinds of fees. I paid them then was told my puppy had died at the hands of an experienced vet technician. I was told that my money would be refunded and that the amount the puppy was worth would be refunded 5x the value. I paid for insurance 3x delivery charges 3x and customs charges 3x and never saw a sent every time I was supposed to get the money they kept asking for more.

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 2019-12-10
Company: LEXISNEXIS
State: MI
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:
XXXX  use fraudulent information to make their summary on file number XXXX also they claim it from 300+ to over 2000.00 now, XXXX committed fraud with data that was fraudulent calling it a charge off, I close the account because of the fraud that was committed, XXXX stole money out of my bank account in the form of 3 extra payments, all so another bank did the same thing, yet it was investigated and XXXX found in  my favor, also XXXX XXXX did the extract same thing, also both companys violations use the courts without given me a summons to increase the amount into the XXXX of dollars, by not letting me go to court to defend my self

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-05
Company: Southwestern Investors Group, LLC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
I was contacted by  XXXX   XXXX   (   XXXX   ) a t  XXXX . Originally he did not say where he was calling from, only that he was working wi th the District Attorney in my county and was  filing the next day to garnish 30 % of my wages and levy my bank accounts for a debt owed to  XXXX   XXXX  in the amount of {$790.00}. He said they will freeze any bank account with my name on it and take all the funds. I imagine interest is included as my credit limit was only {$500.00} and I was no where near that when I ran into financial trouble. Ultimately I would owe over {$3000.00} once attorney and court fees were applied. He told me that I needed to make a good-faith payment that day to keep him from filing in court.  <P/> I came to know this was a collection agency after I contacted  XXXX   XXXX . They told me the debt was now held b y Southwest Investor Group a t  XXXX . I called and asked for my balance and how to make some sort of payment arrangement. The young lady that answered informed me that it was with  XXXX  and transferred me.  XXXX   XXXX  answered the phone sounding angry that I called in on the  XXXX  number. I asked him to send me debt information through the mail as I had not received anything about this outside of a phone call in over a year.

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 2018-04-13
Company: Coinbase, Inc.
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
On XX/XX/XXXX my Coinbase account was hacked and I believe {$7600.00} in US currency was sent from my account. This was in the form of litecoin and bitcoin. When I filed the police report the value at the time of the bitcoin and litecoin was approxiately {$9000.00}. I have attached a copy of the police report below. Coinbase has insurance but their insurance will not cover the loss due to the hackers getting through my password and 2-factor authentication. I have other insurance but have been unable to get much help from Coinbase. The additional insurance I have is through XXXX XXXX XXXX contracts with another company XXXX. XXXX is the one requesting the additional letter. I have spent numerous hours with coinbase over the past 4 months to try and get the appropriate documentation. During that time I have been able to get 2 emails that were not very official looking and did not contain the information that I was requesting. I have sent this information already to Coinbase but I will paste it here again. What I need is a letter stating what is pasted next. 

For Stolen Funds Loss reimbursement, the Subscriber must authorize the financial institution to provide certified documentation directly to us, signed by an authorized financial institution representative. This documentation must indicate that funds were fraudulently removed, the amount of the Loss, the type of the Loss suffered, and confirmation that funds are non- recoverable from the financial institution. 

Coinbase has made money from myself using this service and they also made money from the hackers sending out the money. I have tried to write to them to state that they should not have their accounts set up so that money can be sent to a remote location or at the very least put a three day hold on such a thing. This would stop something like this from happening. I feel the least they can do is write me a letter so that I can then try and deal with the insurance company. 

The contact information I have at XXXX is XXXX XXXX Property Claim Director XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX USA Direct : XXXX Mobile : XXXX Email : XXXX XXXX and XXXX XXXX Senior Claims Adjuster, Claims and Risk Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX USA Direct : XXXX Toll Free : XXXX Email : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX these accounts have violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-04-07
Company: Experian Information Solutions Inc.
State: PA
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: Investigation took more than 30 days

Complaint:
The response given is based of recent events. Authorization was recently given however in XXXX, XXXX and XXXX they would not speack to XXXX XXXX with out my ok. I couldnt give an ok cause I was in the hospital XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Even on the phone call today on XX/XX/22 the representative would only let XXXX talk about one of the 3 accounts since she wasnt listed in the other 2.

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 2022-03-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have attempted to fax my attachment to you several times but obviously my fax number is blocked. I have attached request to update my personal information and remove any personal information that does not belong to me from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-15
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: Information belongs to someone else

Complaint:
I noticed some inquiries on my credit report that I didn't Authorize. I need to get them removed immediately

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 2021-11-15
Company: EQUIFAX, INC.
State: AL
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: Investigation took more than 30 days

Complaint:
I did not consent to, authorize nor benefit from any of the following accounts. Ive been a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
THIS IS A NEW COMPLAINT BASED  ON   XXXX   XXXX   XXXX  LETTER DATED  XX/XX/XXXX  ATTACHED.  <P/>  XXXX   XXXX   XXXX ,  XXXX , is perpetrating a fraud which is a violation of the, FAIR DEBT COLLECTION PRACTICES ACT, As amended by Public Law  111-203, title X, 124 Stat. 2092 (   XXXX  ), section 807. False or misleading representations,  ( 2  ) The false representation of  -- ( A )  the character, amount, or legal status of any debt ; My complaint is in addressing the amount of the debt of {$2300.00}.  XXXX   XXXX   XXXX ,  XXXX  and the seller Creditor Capital One, who failed to provide proof of debt, as to the electronic purchase from Capital  One  to  XXXX   XXXX   XXXX .  <P/>  XXXX   XXXX   XXXX , per the attached letter dated  XX/XX/XXXX  did not provide the copy of the sellers electronic transaction, nor did it contain a copy of the payment made by  XXXX   XXXX   XXXX ,  XXXX , in the amount of {$2300.00}.  <P/>  XXXX   XXXX   XXXX ,  XXXX , is perpetrating a fraud which is a violation of the, FAIR DEBT COLLECTION PRACTICES ACT, As amended by Public Law  111-203, title X, 124 Stat. 2092 (   XX/XX/XXXX ), section  807. False or misleading representations, ( 2 )  The false representation of -- ( A ) the character, amount, or legal status of any debt ;  XXXX   XXXX   XXXX , did not prove it paid {$2300.00} to  Capital One, a s they failed to provide proof of debt via copy of the electronic purchase from Capi tal One.   Their letter dated  XX/XX/XXXX  is ambiguous as it did not provide the copy of the sellers electronic transaction, nor did it contain a copy of the payment made by  XXXX   XXXX   XXXX ,  XXXX , in the amount of {$2300.00}.

Company response to consumer: Closed with explanation