BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-01
Company: GOLDMAN SACHS BANK USA
State: MA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I had initiated a withdrawal from my Apple savings account which is sponsored by Goldman Sachs. I had initiated a transfer on XX/XX/XXXX at XXXX XXXX  and on XXXX  XX/XX/XXXX, i called Goldman Sachs to inquire the status of my withdrawal. They stated it's still in a review process. Therefore, i called them late evening and they gave me three different answers.

First answer was that they needed to verify my bank account. Which i did by doing a conference call with Goldman Sachs and my transferring bank XXXX XXXX XXXX XXXX. Thereafter, they told me that i am all set and my money would be transferred to XXXX XXXX XXXX XXXX. 
Thereafter i called again to get a status on same evening, they stated that it's still in a review process. I told them that my other bank ( XXXX ) account was verified and they had told me that my money would be transferred. They basically said " Sorry '' but we can't help you. I asked them to talk to supervisor, they stated they do not have a supervisor or managers. They are busy, till today XX/XX/2023, i haven't heard back from any supervisor or manager. 
Third answer i received was that i can't get my money because i wasn't transferring out to the same back as the money came in from. 
Therefore, i called them on XX/XX/XXXX morning and by that time my transaction was showing as " Declined ''. Therefore, they advised that i initiate a new transfer. Therefore, i did a new transfer. 

I need this money to put a down payment for our new home. This postponed our closing on XX/XX/XXXX. My household good had to be delayed as well. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I had to reschedule handyman, appliance delivery, window and door installation. 

This has caused us a significant amount of stress by them not providing an accurate answer to get our money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09
Company: EQUIFAX, INC.
State: MI
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:
This complaint to Equifax result of their non-compliance to my request and for their refusal of getting the unauthorized inquiries, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned unauthorized inquiries for they were found erroneous. 
XXXX/XXXX  Date of inquiry XX/XX/2020 XXXX/XXXX  Date of inquiry XX/XX/2020 XXXX/XXXX  Date of inquiry XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Problem with personal statement of dispute

Complaint:
I applied for an XXXX XXXX Credit card. My intention was merely to improve my credit score score. XXXX XXXX required that the initial contract was that pay monies that would be in escrow and returned back to me after a certain length of time. As time progressed, it got close to me collect my XXXX or more ( escrow ) along XXXX  Sent mailed me a check for {$160.00}. THEY STATED THAT MY ACCOUNT WAS SATISFACTORY PAID. XXXX XXXX SOLD MY INFORMATION TO ANOTHER BANK UNDER THE SAME NAME. I BEGIN TO SEE ON MY CREDIT REPORT WITH ANOTHER XXXX ACCOUNT I HAVE NO KNOWLEDGE ABOUT NOR DID I SIGN A CONTRACT WITH THIS BANK. I DISPUTED ON XXXX NUMEROUS OF TIMES. XXXX REFUSE TO REMOVE THIS DEROGATORY CHARGE. 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 non-monetary relief
Consumer complaint received 2022-05-15
Company: Experian Information Solutions Inc.
State: OH
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 XXXX XXXX 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 an 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 explanation
Consumer complaint received 2023-09-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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: Investigation took more than 30 days

Complaint:
The CRAs did not get back to my request to send back ( within the allotted time ) how they verified the information on the credit report. On XXXX XXXX I sent in letters asking them to verify their methods or how they verified accounts and they never responded.

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 2023-06-01
Company: Southwest Credit Systems, L.P.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XX/XX/2020 XXXX XXXX  southwest credit system report to my XXXX, and XXXX  account on a theft report on my name with is fraudulent. I didnt authorize for any service or business with this company on behalf of I. Its fraudulent account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15
Company: Experian Information Solutions Inc.
State: OK
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:
XXXX XXXX XXXX has hard inquiries on my credit file that I did not authorize. The dates are from XX/XX/XXXX, and XX/XX/XXXX. These were not made by me and I am asking that they be removed from my file.

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 2022-05-15
Company: Experian Information Solutions Inc.
State: GA
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 - ACCOUNT # XXXX XXXX XXXX  XXXX  - ACCOUNT # XXXX XXXX  - ACCOUNT # XXXX XXXX XXXX  - ACCOUNT # XXXX XXXX  XXXX  - ACCOUNT # XXXX - INQUIRIES- ( ALL ) XXXX  XXXX ( ALL ) XXXX  XXXX XXXX  XXXX ( ALL ) XXXX  XXXXXXXX XXXX XXXX XXXX ALL ) XXXX XXXX ( ALL ) XXXX XXXX XXXX  ( ALL ) XXXX XXXX  XXXX ( ALL ) XXXX XXXX XXXX XXXX XXXX ( ALL ) XXXX XXXX  XXXX ( ALL ) XXXX-XXXX  XXXX ( ALL ) XXXX  ( ALL ) XXXX  XXXX  XXXX ( ALL ) XXXX XXXX  XXXX ( ALL ) XXXX XXXX XXXX XXXXXXXX ( ALL ) XXXX XXXX XXXX  ( ALL ) XXXX XXXX XXXX ( ALL ) XXXX ( ALL ) TXXXX ( ALL ) XXXX/XXXX-XXXX  ( ALL ) XXXX XXXX  ( ALL ) XXXX, HAS VIOLATED MY RIGHTS . 

15 U.S.C. 1681 SECTION 602 A. STATES THAT I HAVE THE RIGHT TO PRIVACY.

15 U.S.C. 1681 SECTION 604 A, SECTION 2 : STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH ANY ACCOUNT WITHOUT MY WRITTEN CONSENT.

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 2023-06-01
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Date of Transaction XX/XX/2023 XXXX approx. XXXX eastern time Location XXXX XXXX XXXX, XXXX, NY XXXX Terminal ID XXXX Claim # XXXX I made a {$400.00} withdrawal, only {$300.00} was dispensed. 

Multiple Calls have been made with Chase Dispute Team Phone # XXXX XXXX XXXX. 
1st call being XX/XX/2023 was told no claims can be made on the weekend 2nd follow up XX/XX/2023 ID XXXX was told the claim has been put in, representative stated they are unable to provide email confirmation 3rd follow up XX/XX/2023 ID XXXX Specialist let me know a credit of {$100.00} would be posted to the account within 10 days and provided the claim number also stated they are unable to provide email confirmation 4th follow up XX/XX/2023 ID XXXX Specialist claims there was a system error and did not provide information why the claim was closed. Let me know she would reopen the claim with them team. Specialists could not identify what steps the team would take to resolve the issue. Specialist was unable to send a confirmation email that the claim has been reopened XXXX. Although she did confirm I would be receiving a Credit within 2 hours and email confirmation by XXXX business hours approx. XXXX. 

More Info : The Dispute letter dated XX/XX/2023 No Action will be Taken The inquiry is now resolved ( see attached below ) I have asked for a full ATM Count Cash Dispensed Count ATM Video footage of dispensed cash Video of ATM Area

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint:
Tried to use my card for a purchase. Denied. Called number in the back of my card. Told me to call EDD. For the last 5 days and countless hours, i have been trying to find out what is the problem so i can fix it. Everyone keeps telling me different reasons, which doesn't seem to be the case. My account is frozen. With funds available. I need to access them, but i cant do anything about it. Please help 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
Consumer complaint received 2022-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX 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

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 2022-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report.

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2023-04-21
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I was denied credit due to negative marks on my credit report. 
In XX/XX/2022 I submitted an online request to Equifax in order to review my credit report for inaccuracies. 
I was denied access to my online credit file by Equifax. 
I then called the customer support line, and after a verification process I was told that I would receive a copy of my report in the mail. 
I never received the credit report. Instead, I received a letter instructing me to send copies of my identification to verify my identity again. 
I mailed the proper information to Equifax, and received another letter asking for the same information again. 
I have sent multiple copies of my personal documents to verify my identity and Equifax has ignored my requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Copy of email sent to State dpt There is more harassement to the story..Stranded in XXXX due to covid19 XXXX XXXX My card was blocked for trying to buy a XXXX XXXX ticket last XXXX They want a valid state driving licence front and back to unblock Im XXXX, dont drive anymore, old licence expired, besides I am stranded in XXXX due to Covid19 since XXXX.Need the card to buy air fare Do they have the right to refuse my State dpt issued US passport as an ID? 
XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 to the fair credit reporting act 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 has Violating my rights 15 U.S.C 1681 Section 602 A states that I have the right to privacy 15 U.S.C 1681 Section 604 A section 2 : It also states that I consumer reporting agency can not furnish an 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 2021-10-18
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
portfolio recovery placed an account on my credit report without notifying me about the account. I have tried numerous times to get information about this account and this company has refused to give me any information about the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01
Company: BARCLAYS BANK DELAWARE
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
While on a flight back from XXXX  and XXXX on XX/XX/2023 on XXXX XXXX the flight attendant came over the loud speaker to announce an offer for a AAdvantage Aviator Mastercard through Barclays Bank. It was announced that this was a special promotion for this flight that if you signed up for the card you would receive XXXX bonus miles upon approval and your first purchase. Additionally they had a special that upon approval you would also receive XXXX XXXX XXXX tickets that could be used anywhere in the XXXX, INCLUDING Hawaii. I verified this with the flight attendant that it was in fact XXXX TICKETS and the XXXX bonus miles not that the bonus miles could be used for XXXX tickets. The flight attendant confirmed this. When I called Barclays upon approval for the Card they told me that was not in fact the case, and you only got XXXX bonus miles. Their agents through the airline ( which has the flight attendants initials on it, assuming they get some sort of bonus for getting people to sign up ) are misleading people and at the very worst are outright lying to people to induce them to sign up for a Credit Card so that they can profit on it. They certainly are not holding up their end of the bargain. I have already spoken to several people at Barclays who at most have offered XXXX miles for the " misunderstanding ''. Its not a misunderstanding, it was verified and they know what they are doing. I would like the XXXX tickets deposited into my account without restriction. I would also recommend opening an investigation into this Bank and its practices in promoting it's Credit Cards.

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 2022-05-15
Company: Mr. Cooper Group Inc.
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I was following the government Pandemic shut down requirements and Mr Cooper allowed me to differ my payments and now they tell me I am not qualified to have what I owe on the back of my note like the Care Act allowed and required..And now I am loosing my home and will be XXXX.. Can you help me suspend my foreclosure that's in 2 weeks or get this to take place so I am not loosing my home? 

I dont have a scanner right now to show you my sale date that they put on my door just yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13
Company: CHARLES SCHWAB CORPORATION, THE
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
On XX/XX/2021 received 5 different debit cards for different checking accounts that were opened in my name thru Charles Schwab Bank. I have contacted them, they stated they would close the accounts and report the fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-19
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NV
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:
NMAC reported a charge off reporting to the three credit bureaus - I have a letter from NMAC dated XX/XX/2016, they accepted the settlement amount of {$3600.00} and would report the loan as paid full and remove the charge off. They reported the charge off almost two years later. I disputed the charge off with the credit bureaus but it came back as accurate. I did not communicate with any collection agency only with NMAC. 

My understanding is that if they sent the letter and received payment for the balance of the loan why do they get to report a charge off. I did not receive a XXXX from them so how do they legally get to write off a loan that has technically been paid.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-18
Company: AMERICAN EXPRESS COMPANY
State: MD
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I paid for a roundtrip from XXXX XXXX XXXX XXXX XXXX XXXX, and back to XXXX  from XXXX, XXXX on XXXX XXXX  through my American Express card on XX/XX/2023, for {$1600.00}. 

When I went to the XXXX XXXX counter at XXXX XXXX on XX/XX/2023 for my scheduled flight back to XXXX  I was told that someone cancelled my flight, but it wasnt me, and the airline didn't know who it was. I know I did not cancel the flight. The counter official was in contact with XXXX in XXXX XXXX throughout our discussion. I pleaded with XXXX counter official to give me a boarding pass since I paid for the roundtrip flight and XXXX XXXX still had my payment. There was still room on the flight for XXXX more passengers. I spent about XXXX minutes or more trying to persuade the XXXX counter official to let me on the flight but to no avail. She said she had to leave and just said good luck. 

It was about XXXX XXXX XXXX XXXX  and I found a flight on XXXX XXXX to XXXX  that left in XXXX XXXX XXXX XXXX, But since the flight was nearly full and I booked it at the XXXX  counter with little time remaining for the flight I had to pay the maximum coach price which was {$1900.00} one way to XXXX. Even with a refund on XXXX XXXX  of {$1600.00} I would still be out {$200.00}. 

I came to the XXXX to marry and the marriage ceremony was wonderful and everything would have been great except trying to get back to XXXX, XXXX. I live in XXXX XXXX, Maryland. So I have requested the refund of {$1600.00} that I paid American Express for the flight on XXXX XXXX which the airline would not allow me to complete. 

I protested to American Express for the amount that I paid XXXX XXXX since even though I was able to fly from XXXX XXXX XXXX to XXXX, XXXX I had to pay {$1900.00} On XXXX XXXX to get back from XXXX to XXXX  XXXX XXXX. 

I said that in a statement to American Express. XXXX XXXX responded that I got a refund of about {$64.00}, which was a very small amount compared to {$1600.00} I paid for XXXX XXXX and {$1900.00} for XXXX XXXX. American Express just accepted whatever XXXX XXXX stated and not what I wrote and spoke to American Express.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-29
Company: EQUIFAX, INC.
State: SC
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:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately XXXXXXXX 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

Company response to consumer: Closed with explanation