BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-07
Company: Experian Information Solutions Inc.
State: NC
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2023-07-20
Company: GOLDMAN SACHS BANK USA
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I was scammed by an online seller. They charged me {$88.00} for an item I never received and they sent me fake tracking info for. 
I disputed this charge with Apple card ( goldman sachs ) over and over again. 
I provided apple with all of the evidence to support my case which I don't believe they ever properly reviewed. Because, if they had it should be obvious I was a victim of a scam. Its really unfortunate that they sided with this fake company over a customer without looking at anything I provided. 
It may only be {$88.00} but just the principle of it is what brings me here.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-26
Company: Kwikcash, Inc.
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
this is a debt collection agency. they are reporting this debt on my reports for a Kwikcash. I have asked this company to validate this account. I have never done business with them. this is a fraudulent account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I am trying to refinance. On XX/XX/2021 I went online to unfreeze my accounts with XXXX Equifax, And XXXX ( unlock ). I have spent over 4 hours changing passwords, speaking to technical support reps and technical support supervisors. Two technicians unfroze my account twice on Equifax, confirmation numbers XXXX XXXX and XXXX XXXX. XXXX was the worse. I had to log in to TrueIdentity and could not unlock my account and 3 technicians werent able to do either. So my situation was escalated up to a supervisor name XXXX who said she had unlocked my account. My loan officer was still not able to access my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13
Company: BARCLAYS BANK DELAWARE
State: IL
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: Overcharged for something you did purchase with the card

Complaint:
Here is the issue. Recently I purchased stamps ( XXXX rolls ) for which I should have been charged {$85.00} with shipping ( the screen shot attached ). However the item charged was actually {$89.00}. I reached out to the merchant however I received no response so I contacted Barclays Card at the number listed for disputes XXXX. The XXXX based CSR informed me that actually they do not have a capability/authority to address the charge back issue so I then asked to have someone with the supervisory role in the US to call me since the CSR did not comprehend what was being told ( ie. she asked me for a proof of the transaction after she was told I have had screenshot attached to it ). I was told that the callback will be scheduled on XX/XX/XXXX at XXXX. The call back didn't happen. On XX/XX/XXXX I was told that by the CSR again based in the XXXX that I am unable to get a supervisor in the US and all she can do is to throw me back into the loop to hopefully I can get someone in the US authorized to address a {$4.00} charge back issue. I then called again and allegedly got someone in the US who then informed me after a very long conversation that they have to put me on hold to speak to so-called dispute department to address is as this person is obviously unauthorized to address the issue. I was also informed that Barclays USA has a 15 day rule from the date of purchase to allow a transaction dispute which is completely crazy as it is completely contradictory to any idea of proactive fight against fraud and financial abuse.

It is evident that the Barclays USA is making any kind of dispute transaction extremely hard and impractical so the customers simply get tired and go away. Well I am not going to go away and I expect Barclays USA to provide a service based on professionalism and basic metric of customer service instead of arrogance and completely polite but nonetheless disrespectful way of doing 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 monetary relief
Consumer complaint received 2022-12-20
Company: Block, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I submitted a dispute with Cash App on XX/XX/XXXX due to bath and body works over charging me by {$72.00}. 

XXXX XXXX XXXX XXXX admitted to the overcharge ove email, which I submitted to cash app. 

Shortly after the dispute my cash app card was disabled and they revoked my access to use this card anymore. They give a generic response as to why. 

I spent {$50.00} on their NEW METAL cash app card, which in return they revoked the card and every time I request a refund they all give a generic robot response. 

I have been a customer FOR FIVE YEARS. First dispute in YEARS. 

I want my {$50.00} back for the METAL CARD I CAN NOT USE PER YOUR POLICY.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
We are 2 months behind on my mortgage. We have been making payments but have not been able to catch up on back payments. Have stayed in touch with servicer and let them know we are trying to catch up. 
I recently received a letter saying we were accepted in a forbearance. 
I never asked or applied for a forberence as I did not know what that was. I called the Servicer and asked what a forberence is and I said I did not ask for a forberence. They told me I did. I asked what date that request was made and they gave me a date and I said I never made that call to them asking for a forberence. I asked them about the terms and they said a balloon payment in 3 months. I told them to please remove the forberence that I did not call and ask for one. 
They are trying to trick me into a forberence and are lying. The Servicer is NewRez.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I am facing foreclosure on the home I have owned for 14 years because of misrepresentations and unethical foreclosure practices by my loan servicer Rushmore Loan Management. I have tried repeatedly to be reviewed for modification, forbearance or retention options but instead of conducting an assessment of my current financial circumstances I am given the runaround. Each agent I speak with tells me I am eligible and can apply, and when I do a different agent tells me that I need to document more income to qualify. I tell them that I provided additional income in my paperwork, but they refuse to look at the information and I am stuck in a hamster wheel unable to escape as Rushmore misleads me and pushes me into foreclosure. 

My husband I purchased this home in 2006. We paid our mortgage as agreed with no issues until my husband took his own life a few years ago. Besides the grief and heartbreak I was also put into a difficult financial position since I was now the sole breadwinner. I kept up with the mortgage payment as long as I could but as I struggled I reached out to Rushmore to consider me for a loan modification. Instead of conducting a review of my current financial circumstances, I have been repeatedly blocked and denied. It is beyond frustrating. I have a good paying job as a nurse, and we paid our mortgage on time for 11 years. As explained, my husband was distraught and took his own life and this created a difficult situation for my family. I began reaching out to Rushmore to see if they would work with me towards a loan modification but I got the runaround, transferred from department to department and every person telling me something different. I applied for help on multiple occasions, but no one ever reviewed my financial information. The Rushmore agents tell me that in order to qualify I have to provide additional income. I have provided this information as I now receive SSI income and have family members renting rooms in the home, but their agents refuse to consider the change in financial circumstances or even look at the documentation. I have the desire and ability to pay, and if Rushmore was to complete a fair and transparent review of my current financial circumstances they would see that I qualify. Instead, they keep ignoring me and giving me multiple excuses and making misrepresentations about what I can do. The entire time I am falling farther behind and at risk of foreclosure. This is an avoidable foreclosure and there are multiple options available.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
You wouldnt help me when I filed complaints but now you have been awarded XXXX XXXX! 
I better see at least XXXX of that!! I kept asking in all my complaints about the accounting and when they gave it, portions were missing. Your response was its what they sent. How in the XXXX is the banks getting away with all this!! 
I was audited by the irs in XXXX for the amount of interest I paid IN THAT YEAR and Wells Fargo said I only paid XXXX but I paid closer to XXXX! So I had to pay almost XXXX in a penalty. 
So Wells Fargo finely gave a full accounting to the bank they sold my loan to in XXXX I received a copy and they applied interest I paid in XXXX to XXXX and XXXX. Well I dont get to go back and claim that interest because I didnt make any payments on my loan thats why I was in state court for 4 years and 3 XXXX XXXXXXXX, yet Wells Fargo gets to claim it with out showing it and that should be enough to throw them in the out of business line!

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 2023-09-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I had filed for a couple loans and they were being paid to my Bank of America account but they closed my account and I am pretty sure the money was deposited into my account because I received three closed accounts notices in the mail months after the first one that they told me they were closing my account when I asked why they simply said we dont have to discuss why that its there policy to disclose that information if need be this happened back in 2020

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 2020-08-04
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I AM VICTOM F AN IDENTITY THEFT, AND I HAVE SUBMITTED ALL REQUIRED PAPERWORK TO THE BUREAUS AND TO THE BANK BUT SEEMS LIKE THEY ARE PLAYING GAMES AND TREATING ME THE CONSUMER AS A LITTLE KID, EVERY TIME I CALL THEM EITHER THEY DON'T HAVE NAY INFORMATION, THE ACCOUNT SHOULD BE REPORTING, THEN THEY ASK ME FOR IDENTITY THEFT REPORT, WHICH I SUBMITTED NUMEROUS TIMES, NOT ONLY I GAVE THEM THE IDENTITY HTEFT REROT, I ALSO GAVE THEM POLICE RPEORT. I NEED THIS FRAUDULENT ACCOUNT TO BE REMOVED FROM MY CREDIT REPORT REPRT.

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 2023-01-07
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:
Transunion has claimed to have " verified '' the items I have previously disputed to be accurate and complete. However, when I pulled a new copy of my credit report, I noticed that the accounts and inquiries that I disputed are still there even though they are inaccurate and incomplete according to XXXX XXXX Credit Compliance standards. I have attached letters with XXXX forms of ID showing how exactly these accounts and inquiries i'm disputing does not meet the XXXX XXXX Compliance guidelines. I can tell that a proper investigation has not been conducted by Transunion. As a result of this, it has caused me to experience credit and loan denials caused by the willful and negligent actions of this company. From my understanding, by not conducting a proper investigation, verifying inaccurate and incomplete information to be true, and causing me to suffer credit denials and financial harm due to willful negligence, this meets the requirements for a FCRA claim. I FULLY INTEND to file an arbitration claim with the American Arbitration Association if these errors are not corrected. I have mailed a notice of my intention to file an arbitration and I am also uploading the same documents to the CFPB for my records

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 2022-12-20
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: Reporting company used your report improperly

Complaint:
The following Accounts have never been late and the credit bureaus are reporting inaccurate information. The accounts have been in deferred status because of still enrollment in school. Removed the late payment ACCOUNT : XXXXXXXX XXXX XXXXXXXX ( XXXX ) THERE ARE XXXX ACCOUNTS ACCT # XXXX ACCT # XXXX ACCT # XXXX ACCT # XXXX ACCT # XXXX ACCT # XXXX ACCT # XXXX ACCT # XXXX ACCT # XXXX In accordance with the Fair Credit Reporting act, they have 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 an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Wanted to cancel a charge for a purchase that went through as a recurring yearly charge. When I purchased the ski pass fir XXXX I was not aware that it would be recurring charge in the future. I contacted the company XXXX, and they claimed that it could only be cancelled for specific reasons through a third party entity. It seems that I will never be able to cancel this pass whether I want it or not. This charge was for a ski pass and I tried to cancel it in XXXX way before the season even started. The credit card company, Barclay is siding with XXXX. The charges are {$570.00} and {$50.00}. 
XXXX is being Draconian with their position. Barclays is preferring to side with the big corporation rather than their customer.

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 2023-07-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 have been the victim of identity theft, due to the identity theft there have been several accounts opened up using my information that I did not open nor did I authorized it to be opened up using my information.

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 2022-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
I have submitted multiple disputes regarding these fraudulent items on my credit report that dont belong to me. 

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

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 2019-02-07
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
CFPB closed my complaint based on a letter that was later mailed to me, from XXXX XXXX, stating that {$25.00} had been deducted from my account. This was not disclosed to me during our conversations. This was not disclosed in any way, in fact, until after the account was closed. 

XXXX XXXX 's letter refers to the Terms, and describes this as an " Early Closure '' fee that was part of the Terms, however, the account was not closed early. 

First, contrary to XXXX XXXX 's implication, the Terms allow, but do not require this fee. 

Second and more importantly, " early closure '' is within 180 days ( see attached secure message from HSBC ). I opened this account on XXXX XX/XX/XXXX. I funded it on that same day via XXXX XXXX   transfer. After a few days, when that transfer had not been credited to my account in violation of HSBC terms and relevant law, I complained, and in the end, HSBC did finally credit my deposit, retroactively, another unlawful act, but putting the funding date as XXXX XX/XX/XXXX ( see second attachment, statement with date account opened and funded ). 

As per XXXX XXXX 's letter, the account was closed on XXXX XXXX XXXX. 

Whether counting from the date the account was opened ( as required by the Terms ), or when it was funded, in either case 180 days elapsed in XX/XX/XXXX, about a month before the account was closed. Indeed, after HSBC, in one of many messages exchanged via the secure message center on the HSBC app, informed me that if I closed the account within 180 days of opening it I could be assessed a {$25.00} fee, I deliberately waited until the 180 days had elapsed before taking further action. 

HSBC apparently assessed the fee anyway, without notifying me at the time, without notifying me before doing so, and without any basis for doing so.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-19
Company: EQUIFAX, INC.
State: GA
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:
From XX/XX/XXXX to XX/XX/XXXX XXXX loan lender, XXXX XXXX XXXX XXXX, has refused to stop reporting late payments to my consumer credit report ( Equifax ). My XXXX XXXX bankruptcy was filed XX/XX/XXXX and discharged XX/XX/XXXX. This account is listed on the Certificate page of the bankruptcy. This debtor received a mailed and electronic copy of the my XXXX XXXX bankruptcy and did not show up to court hearings. Therefore, any monetary negotiations between me and the lender are null and void. Under federal law, XXXX XXXX bankruptcy does not require repayment. No worthy assets were available to repay debtors. I have emailed, spoken to representatives, faxed, and mailed XXXX several times over the last year regarding XXXX XXXXXXXX XXXX XXXX 's unlawful behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07
Company: Paypal Holdings, Inc
State: UT
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 had an old PayPal account and I received XXXX hard credit checks from them for a new Business Credit Card XXXX XXXX : XXXX XXXX XXXX Phone Number : ( XXXX ) XXXX ). I called them and they closed the application and marked it as fraudulent. They told me my PayPal account associated was a business account and to call another service number for help closing that account ( XXXX ). PayPal had trouble finding the account, but eventually were able to find my old account from 8 years ago and close it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-20
Company: Chime Financial Inc
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I cashed my tax refund check with my chime account and after they approved it they locked my account and I have sent in documents showing it was a refund check and they still won't allow me access to my money. This has caused major problems due to me not having my money to feed my kids, pay my mortgage and run my business. I hav emailed them on XX/XX/XXXX, and XX/XX/XXXX and sent in documents again today and I call every day and they just say they will escalate the issue and I never hear anything back. 
The bank is Chime.

Company response to consumer: Closed with non-monetary relief