BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-05-05
Company: BARCLAYS BANK DELAWARE
State: FL
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:
In XX/XX/2017 I used a convenience check in the amount of {$2200.00} from XXXX XXXX XXXX XXXX card that offered 0 % interest if paid back in full in 12 months. The balance I owe on the convenience check is {$2100.00}. In order to pay it off timely I needed to pay {$270.00} per month until the expiration of the promotion. In addition I need to pay on my non-promotion balance. The minimum payment on the non-promotion balance is {$45.00}. So I made 2 payments {$45.00} + {$270.00} and called requesting that they apply {$270.00} to the promotional balance. They refused saying my non-promotion balance needs to be paid in full before they will apply any payments to the promotional balance. 
I have used the same promotional offers from several other credit card companies over the years and have paid them off the same way by making the 2 payments. I've never been required to pay the revolving balance in full before applying payments to promotional balances. I even paid the same type of promotion off on another card as recently as this week. 
I feel XXXX XXXX is abusing the offer so they can penalize me by requiring me to pay the full interest on the promotion.

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 2022-08-30
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: Information belongs to someone else

Complaint:
I checked my credit report and XXXX XXXX XXXX Credit Card with the amount of {$2300.00} is fraud, I never have business and i didn't sign up for the business credit card. Please remove this from my credit report ASAP!

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 2022-08-30
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I opened and funded a new savings account with XXXX XXXX XXXX Webster Bank recently and then set up an " external transfer '' account a few days later so that I could move some funds through the ACH system. That external transfer account was for XXXX XXXX XXXX XXXX. The transfer account was then verified by utilizing two small deposits and was subsequently confirmed as valid by XXXX XXXX / Webster Bank. I then initiated a transfer of funds according to their " daily limits ''. That transfer was initiated on XX/XX/2022. I received an email from XXXX XXXX / Webster Bank today XX/XX/2022 informing me that the transfer has been stopped and that after they review it, they will either cancel it entirely or it will be delayed. This is clearly an " UNFAIR AND DECEPTIVE '' practice on their part. They have NO right to hold ANY of my funds as long as I adhere to their posted transfer practices which I have done. Despite my attempts by phone to resolve this issue, XXXX XXXX Webster Bank has given me the " runaround '' and failed to resolve this matter. I respectfully request your help. 

XXXX is some sort of subsidiary of Webster Bank. 
FDIC # XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-29
Company: WELLS FARGO & COMPANY
State: GA
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
1. This XXXX is a XXXX XXXX VA XXXX Veteran entitled to the lowest Interest Rate VA Home Loan by Federal Law because of my COE but Wells Fargo who has VA Home Program refuses to process a VA Home Loan for this XXXX. 

2. Wells Fargo as a Financial Institution is abusing this XXXX and Family with XXXX Discrimination and Extortion Practices when collecting their mortgage payments from Families like ours which violate Federal Law. On XXXX XXXX, 2017 the Supreme Court ruled against Wells Fargo for these practices and Wells Fargo has agreed to pay Settlements to families like ours who have been victimized for their illegal practices and that have violated Federal Law. This XXXX is in desperate need of a Lawyer of Law Firm to help us secure our portion of these settlements. 

3. This XXXX is presently fighting Wells Fargo in Chapter XXXX U. S. Bankruptcy Court in order to protect our home from an illegal and Wrongful Disclosure Procedure and not lose our home. This XXXX XXXX VA XXXX XXXX Veteran is in desperate need of Legal Counsel who is willing to fight with us and is familiar with The Federal Law in Title 38 USC Sec. 5301 ( a ) ( 1 ) which states the following : " he shall be exempt from the claim of creditors, and shall not be liable to attachment, levy, or seizure by or under any legal or equitable process. '' The Legal Counsel or Law Firm must also be familiar with Title 38 U.S.C. 5305. states Because XXXX benefits, unlike retirement pay, are exempt from taxation, 38 U.S.C. 5301 ( a ), such waivers are common. See XXXX v. XXXX, XXXX XXXX XXXX XXXX ( XXXX ) ''. 

To Learn more please visit : http : 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 2017-08-24
Company: Coinbase, Inc.
State: ID
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
The online company is called Coinbase.com. I sold my bitcoins onXX/XX/XXXX. That 's the date coinbase is showing as the transaction as complete. Coinbase promises 4-5 days for it to show up on my XXXX XXXX XXXX account. It 's nine days now and no response from Coinbase after I emailed them. My account name is XXXX Amount of money due : {$1900.00} Transaction reference number : XXXX Can yu help??

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30
Company: WELLS FARGO & COMPANY
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX was contracted to preform Plumbing & Electrical installs on the addition to the property at XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX. A total deposit for work was given to XXXX XXXX, for {$1400.00}. Three XXXX payments of {$500.00} each, were sent on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, from XXXX XXXX XXXX. Work was scheduled to be completed by XXXX, on XX/XX/XXXX and XXXX, XXXX On XX/XX/XXXX, XXXX contacted XXXX and stated that he was ill and unable to complete the work, as scheduled. They agreed that work could be rescheduled. For 3 days, XXXX was unable to reach XXXX to reschedule the work contracted. XXXX did not return any of the multiple calls or texts, requesting information on when the work could be completed. On XX/XX/XXXX, XXXX reached and stated that he was still ill. XXXX XXXX she would contact him on Monday, XX/XX/XXXX to reschedule and get the work done. She and her husband attempted calls on XX/XX/XXXX and XX/XX/XXXX, will no responses. They finally sent a text, requesting a full refund and that they would be filing a dispute with their credit union. XXXX still did not respond or contact them. XXXX XXXX did not preform any work at the property and has not fulfilled the agreement for work. Our credit union, XXXX XXXX XXXX was contacted and a dispute was filed for return of funds, due to fraud. Wells Fargo Bank, refused to return funds, even thought this company and person has been reported to the Register of Contractors and XXXX XXXX XXXX for fraudulent activity, on multiple occasions. XXXX XXXX is contracting work as a registered, licensed contractor and he is not either. Wells Fargo Bank will not work with my credit union or me, to return funds that were taken, due to fraud and scamming people. All XXXX XXXX XXXX XXXX is stealing money from people and Wells Fargo refuses to take action.

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 2022-03-04
Company: General Motors Financial Company, Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
HARD INQUIRY IS ON MY ACCOUNT I DIDNT GIVE THIS COMPANY PERMISSION TO PULL MY CREDIT.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-17
Company: EQUIFAX, INC.
State: FL
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:
They basically told me that the hard inquiries need to be removed from creditors that they authorized them i explained that i never requested the hard inquiries or credit pulls from those dates mentioned but they stated that they will eventually after a year or so will be removed on there own and i wish to have all the hard inquiries from the time period of XXXX XXXX 2017 until XXXX XXXX 2017 removed ASAP from XXXX, XXXX, and Equifax Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-29
Company: CITIBANK, N.A.
State: AZ
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:
RE : CITI card XXXX XXXX XXXX XXXX In an industry of horrible " customer service '' CITI gets the gold for worst of all. I submit that CITI does NOTHING to " resolve '' disputes. To wit : I have disputed the purchase of airline tickets. My documentation proved that, at least, part of my complaint was air tight. CITI declined the whole dispute. However, with the help of the Arizona AG the offending company reversed the entire charge. CITI refuses to do so. CITI never informed me of their inane decision. I saw the initial reversal on my bill. They say they asked for documentation with a form they sent. I never received that form. This company is a XXXX to consumers and should not be allowed to harass and steal from us.

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 2022-08-30
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
I am filing a complaint in response to the resolution I received from Fifth Third on XX/XX/XXXX regarding the bank damaging my credit for following the explicit instructions given to me by the bank. 

Throughout the investigation, there was a complete lack of communication from Fifth Third and the eventual company response failed to even acknowledge the basis of my original complaint. 

The issue was I was given blatantly false information and incorrect instructions from multiple bank representatives regarding a credit card dispute. I was advised at the branch ( end of XX/XX/XXXX, in-person meeting with XXXX XXXX XXXX to refrain from making any kind of payment on the card during the dispute and was later penalized for following the explicit instructions given to me by the bank. I also received contradictory and false details about the status of my card on a recorded line ( XX/XX/XXXX ). At the beginning of the process, I was contacted by the case manager, XXXX XXXX, who assured me he would be in regular communication with me regarding the issue. Despite calling him multiple times a week, I was not able to get a hold of him once beyond our introductory conversation. 

After hearing nothing from Fifth Third throughout the investigation, I received the resolution and it did not even address the claims regarding false information and inaccurate instructions given to me by the bank in their response. This was the entire basis of my complaint. To me, this is a sign that the complaint was not investigated with any reasonable amount of legitimacy or objectivity. In this situation, Fifth Third is both the defendant and the judge when it comes to resolving this complaint, not to mention the conflict of interest in the fact that Fifth Third benefits financially ( accrual of fees ) by ruling against my favor. I have not received the bare minimum of communication or even accurate and accessible information regarding my credit card with Fifth Third since the dispute took place. 

I insist that Fifth Third explains and acknowledges the blatantly incorrect information they gave me, and does not penalize me for what is a company error.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-14
Company: CITIBANK, N.A.
State: CO
Product: Credit card
Issue: Billing statement

Complaint:
History : I have a Credit Report between XXXX - XXXX over the course of more than 10 years. I have a Citibank, XXXX card which I have paid in full month-to-month. In XXXX I mistakenly sent about {$120.00} less payment than required to pay the balance in full. I was charged a fee of {$20.00}. I called Citi, understood my error and accepted the fee. 
The following month of XXXX, I received a statement for payment, with the balance due on XXXX XXXX of {$930.00}... presumably to pay the account in full without interest fee. On XXXX XXXX I paid {$950.00}, an excess payment of {$14.00}. One would presume I would then have a positive balance in my account of {$14.00}, but that is not the case. Rather I was charged interest of {$16.00} as CitiCard charges two full months of interest fees against a overage balance. BUT IT DOES NOT PUT THIS IN A STATEMENT. 
I accept this is in the credit card terms, but IT MUST BE REFLECTED IN THE STATEMENT. 
This is an incredibly deceptive practice that the credit card holder does not and can not visibly know the FULL amount owed. In addition, the direct line staff could not explain the reason for the additional interest, but rather blamed the miscommunication on me as somehow I could not " understand her XXXX accent. '' ( This is a bit of a non-sequitur -- sorry. ) The statement does not reflect the true fees and interest required to be paid to bring the account to full payment, line staff could not capably explain. 

Resolution : 1. Citi did agree to remove charges for both months as I do pay regularly. 
2. I have closed the account. 

But, the real issues remains... hiding of the fees in the statement that should reflect " FULL '' payment required to bring the account into balance. Less aggressive consumers could be charged another two month of fees for not paying the previous fees.

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 2022-03-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have written several letter to the bureaus about inaccuracies on my credit profile. it keeps updating there wasn't a valid investigation done

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 2022-03-04
Company: TRUIST FINANCIAL CORPORATION
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2022 I opened an account with Truist with a promotion that included a {$500.00} bonus if you had XXXX direct deposits of over {$1000.00}. As part of the account opening process, I sent a real-time transfer from another bank account I am on in the amount of {$50.00}. On XX/XX/2022 after the deposit had posted, I was no longer able to access the account. I contacted the bank and was advised that there was suspected fraud on the account and that it had been closed. I was advised that a pending direct deposit from my employer that was already scheduled to post to the account would be returned. I also received a letter in the mail explaining that any deposits on the account would be returned within 10 days. I was told over the phone that the only way to get the money out of the account is to go to a branch with an ID. I explained that I do not live near a branch with the closest one being about a XXXX hour round trip drive. The agent said that once the account closer was finalized that funds would be returned. 

My employer informed me today that the direct deposit in the amount of {$500.00} that we expected to be returned never made it back. I contacted the bank who apologized that I was informed it would be returned as the " account is closed to all postings '', but it will not be returned. Furthermore, the bank informed me that my ONLY option is to make the trip to a branch and there is nothing they can or will do. I have offered a notarized letter proving my identity and was even OK with them reversing all transactions on the account so that the funds go back to where they came from. They have refused all of these solutions and are holding my money hostage. Although I do not live near a branch, I opened the account because it said it was open to Ohio residents so I was going to use it as an " online '' bank. I need to get my money out of this account or returned to where it came from.

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 2020-08-20
Company: Consumer Portfolio Services, Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have a loan with XXXX, CNS PORT SVC, and XXXX XXXX I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX, CNS PORT SVC,  and XXXX XXXX with no successful resolution. There was definitely an error on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2022-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Dating back from XXXX of 2022 and probably before then I have been contacting Trans Union asking for a validation of accounts concerning XXXX XXXX  and XXXX and the only thing I receive back is accurate information they have not shown how or from whom the information is being reported they state in their report if I wish to receive the above description of the procedure they used to investigate my dispute in a separate communication contact them I did that and I still have not received the description used in the procedure to investigate. 

As you can see from the information listed in their response they do not validate the accounts or give the method of how the information is being investigated and as you can see from the information listed Us Courts does not communicate with credit reporting agency so with them listing investigation results as verified as accurate is in correct cause they are not receiving information from the listed contact they are reporting on my credit report and as you can see from the letter submitted information XXXX is not or never been in included in a bankruptcy that account is paid in full and I have the title so how is that account listed in a bankruptcy. 

I ask that these entries be removed from my credit report cause Trans Union is supplying inaccurate information and refusing to remove these damaging information from 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 non-monetary relief
Consumer complaint received 2017-04-14
Company: SCHOOLSFIRST FEDERAL CREDIT UNION
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Deposits and withdrawals

Complaint:
My retirement account hardship withdrawal is being delayed and processed in a discriminatory manner by a mean-spirited manager at my employer 's third party administrator, Schools First FCU. I originally submitted the hardship withdrawal request request to the custodian of my retirement funds, XXXX which received the same documentation ( attached ) and they issued an approval one hour later by Facsimile. The approval is noted on the first page of their facsimile. That same day, Monday XX/XX/XXXX, I submitted the required forms to my credit union which is also my employer 's Third party administrator of all retirement plans. After two days, a young lady named XXXX called me on Wednesday, XXXX, and informed me that a lesser amount than the {$8100.00} that XXXX had been approved, after I questioned the reasoning behind the lesser amount the hardship request went from being approved at a lesser amount to denied altogether. Since, Wednesday I have attempted to address each concern raised by XXXX in telephone conversations via telephone. However, the manager XXXX keeps insisting on a certain form or " invoice '' that is non-existent in order to approve my hardship withdrawal request.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation