BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-27
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: Credit inquiries on your report that you don't recognize

Complaint:
I checked my credit report and seen that there were discrepancies, and it was started on XXXX XXXX XXXX I've contacted the company, and nothing was done yet this is still on my credit which is hurting my credit.

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 2023-04-24
Company: SYNCHRONY FINANCIAL
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
PayPal is charging me late fees because I paid my account early. They say their policy is to charge a late fee if you pay between your due date and their generating new bill period. In 2023 I paid XX/XX/XXXX, XX/XX/XXXX, & XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 
These were large payments over the amount owed. XXXX was toward XX/XX/XXXX bill, XX/XX/XXXX was for XX/XX/XXXX bill, XX/XX/XXXX is for XX/XX/XXXX bill. I was charged {$30.00} late fee in XXXX, again in XXXX, and {$40.00} XX/XX/XXXX. This is highway robbery. They have set up a computer system that generates late fees without calculating payments paid early rather than late. My account is never in arrears! I want a refund of all late fees. The foreign operated online chat wont allow customers to submit proof of payments, speak broken English without verbs or proper pronouns, and the representatives clearly speak from a script without authority to refund the pay pal automated fleecing. 

In addition Pay Pal has increased my credit limit without asking me if I want additional credit, which I did not want!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-12
Company: Experian Information Solutions Inc.
State: CA
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:
In accordance with the fair credit Reporting act XXXX Account # XXXX has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 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 explanation
Consumer complaint received 2023-04-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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. The List of the accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
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 1681c ( a ) ( 5 ) Section States no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information other than records of convictions of crimes which antedates the report by more than 7 years.

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 2023-06-30
Company: Experian Information Solutions Inc.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I always paid on time, and this giving me XXXX  I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it. I'm begging you to update it 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 explanation
Consumer complaint received 2023-02-27
Company: ALLY FINANCIAL INC.
State: GA
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Deposits or withdrawals

Complaint:
had a no penalty cd which we closed and opened a new no penalty cd. They had a update in there software which caused a glitch and showed i opened new cd but still and placed the balance in the new cd but it also showed the closed cd with the same balance leading to a debit of XXXX. which was completly on there side since i verified the cd was closed and new one was open. they put a hold on my account. which was due to there glitch from Ally bank the exact same thing happend to my wifes accounts and they also placed a hold on her accound when there is there mistake

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 2021-05-05
Company: BAM Management US Holdings Inc.
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I have invested over a XXXX dollars in cryptocurrency on Binance.XXXX. After a bank issue ( in which the missing funds were promptly replaced ), my account has had its trading/withdrawal functions revoked. I have provided all the required ( and invasive ) documentation and verification for their Deposit Appeal process, and I do not own BinanceXXXX any money, nor have I - for weeks now. 

Like hundreds of others XXXX XXXX, XXXX XXXX, my funds are still locked - weeks after replacing the relatively small sum of funds that never transferred XXXX something like {$760.00} XXXX. And my account is still less useable than a paperweight. I believe Binance.XXXX is selectively scamming people, and they still believe that they can get away with it. Our community is growing, and angry. Many people have lost much larger opportunities than myself, and have lost access to accounts with larger balances. I've seen a comment/post about one particular user who claims their 5-million-dollar account is still locked ( and has been for longer than my own ). 

I don't know what to do. I've started a Discord server for the community to gather on, contacted XXXX, tweeted @ every possible member of the Binance team that could see it, sent in weekly support tickets ... It feels like their support team is not just slow, but nonexisistent. Anyway, A LOT of people need help right now due to account issues with Binance.XXXX 

Here are my XXXX case XXXX : # XXXX ( XX/XX/XXXX ), # XXXX ( XX/XX/XXXX ), # XXXX ( XX/XX/XXXX ), # XXXX ( XX/XX/XXXX ) The email address associated with my account is " XXXX '' Thank you very much. I was motivated by our # XXXX XXXX to share my story with the CFPB, and I hope this can help out someone else too. I think this is happening to a lot of people, and I'm not sure how many are actually taking it seriously XXXX other than the 351 subscribers of the XXXX subreddit created one month ago, and a couple other small online gatherings )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27
Company: JPMORGAN CHASE & CO.
State: NY
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 rewards from credit card

Complaint:
I received a pre-approval offer on my Chase mobile banking app for the Sapphire Preferred Card in early XXXX of 2022. The offer included XXXX bonus points if I spent {$4000.00} within the first 3 months. I signed up for the card through the website and was approved. After exploring the rewards page, the offer I had received was now only XXXX bonus points instead of the XXXX bonus points as reflected on the offer I received on my account. I then contacted Chase Sapphire Preferred Customer Service and, after explaining the circumstances, I was told that if I spent {$4000.00} within the first 3 months and qualified for the offer of XXXX bonus points, I can call the customer service number again to file for an escalation for the XXXX other points that was encompassed, in full, through my original offer of XXXX bonus points. However, when I called back, I successfully processed the escalation and was sent an electronic letter about 10 days later and received notification that my escalation was denied - Your account isnt eligible for the offer you requested. I was misled by Chase Customer Service, to make a purchase of {$4000.00} and had not received the offer I was provided with. One of the reasons I signed up for the card was because of the XXXX bonus points I received when making a purchase of {$4000.00} within the first three months of accepting the offer and being approved. However, even after following the instructions from the customer service representatives I spoke to, I was advised I would receive the XXXX points that were missing from my account as I was only given XXXX bonus points. The customer service representatives also told me that there was no way to contact Card Member Services, who provided the letter I received, and that the Customer Representatives themselves dont even have any contact with them. Not even by mail, phone, email, or other methods of communication which were not possible. Because of this, I was informed that there was no way for them to provide further information or to get further assistance with my issue on my account. I was misled while also following the instructions provided to me by the Customer Service Representatives at the Chase Sapphire Preferred Card contact number

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-24
Company: CITIBANK, N.A.
State: FL
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:
Contacted Citi about a charge on my account and they are giving me a complete run around. Already confirmed with the card network issuer ( XXXX ) regarding issue and they confirmed dispute is valid and eligible for a conditional credit which Citi is refusing. Called at least 10 times with no success

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 2020-03-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
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 have a residential rental property company and deal with all the major mortgage companies including Bank of America, which I have a least 10 loans. The homeowners ' insurance for 3 of the Bank of America loans came due XXXX of XXXX. The insurance was paid by me in XXXX of XXXX. Bank of America requested evidence of insurance for said properties shortly thereafter. My agent and I both faxed evidence multiple times throughout the following months. Bank of America continued to request evidence of insurance and we continued to supply it. XX/XX/XXXX, I uploaded evidence of insurance to the website Bank of America provided and received confirmation emails of receipt. Bank of America placed a lender-placed policy on one of the loans and changed the payment. I continued paying the normal payment every month, knowing I had provided evidence of insurance. I had to finally in XXXX go to a branch office and have them fax and email evidence directly to someone in the insurance dept. It took several months to get everything back to normal, then in XX/XX/XXXX, a business banker I deal with notified me my credit score had been hit 3 times for non-payment on 1 of the XXXX  loans and had reduced my credit score by 100 points. Bank of America has charged me inspection fees, late fees and hits on my credit due to there not processing my insurance correctly. Throughout XXXX, when I would contact XXXX as a follow-up, they would have no records of me contacting them the last time, which might only be a week or so previous. They said they investigated and found they had done nothing wrong. It makes no sense, why would I not provide evidence when I clearly paid for it, why would I not pay only one of the many loans I have, and why did they not address the confirmation emails they provided.

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 2020-03-18
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 am requesting to remove all accounts which I listed in Identity Theft which does not belong to me. All of them are paid in full and have {$0.00} balance and I have never opened them before. Some one used my personal information. Please remove all of them from credit bureaus because its going to destroy credit history. 
I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges.

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 2018-02-16
Company: WELLS FARGO & COMPANY
State: NH
Product: Money transfer, virtual currency, or money service
Sub-product: Refund anticipation check
Issue: Problem with customer service

Complaint:
On XX/XX/XXXX, Wells Fargo received a payment in the amount of {$2000.00} from my XXXX XXXX checking account ending in XXXX. The funds were mistakenly sent to pay a " PAID IN FULL mortgage account # XXXX. The funds ( {$2000.00} ) laid dormant in this " Paid in Full '' account for 4 days. 

On XX/XX/XXXX, I placed a phone call to Wells Fargo. I explained the above to a clerk who looked up my account. She agreed that the funds are in the " paid in Full '' mortgage account. She could not explain why the funds laid dormant in the " Paid in Full '' mortgage account for 4 days. The clerk told me that they could refund the money to me, but that the funds would have to be send back through the " Bill Pay '' that I used to pay the mortgage. I then clearly explained that the " Bill Pay '' account that was used to send the funds was now cancelled and asked them to send a certified check to me and my wife instead of sending the funds back through a closed " Bill Pay '' account. The clerk left the phone to confer with her supervisor. The clerk then told me that she would have them mail a check on Monday XX/XX/XXXX and That I would get the check on Tuesday XX/XX/XXXX. I never received the check. 

On Wednesday XX/XX/XXXXI placed another call to Wells Fargo. spoke to XXXX employee # XXXX. The funds ( {$2000.00} ) in the account were now marked as reversed. XXXX said the funds were sent back through " Bill Pay '' channels.XXXX XXXX said they do not have the money and the bill pay company does not have the money. The money was never mailed like I requested and that they consented to. Could someone please help me recover my money. XXXX XXXX XXXX XXXX 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 2023-02-17
Company: TransferWise Ltd
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
Took funds out of my account on Wednesday evening. 
It Friday evenibg & they are holding my funds. 

So I fo not have the funds. 
And neither does the recipiant

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24
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:
XXXX XXXX XXXX XXXX {$2200.00} XXXX XXXX XXXX charged off my account in XXXX of XXXX and sent it to a collection agency in XXXX after charging off the account to collect which is not a legal practice. This is in violation of the fair credit act. XXXX XXXX is still reporting on my credit but asking me to call a 3rd party collection agency to discuss. XXXX XXXX will not allow me to pay or settle but still reporting it. Please remove this from my file 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 2022-03-26
Company: NAVY FEDERAL CREDIT UNION
State: IN
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:
Navy Federal again refused to accept a payment on my account and it appears that they are denying the payment for now several payment attempts dating back since XX/XX/XXXX in order that they can access late payment penalties. An attempt to pay on my account in this latest effort came on XX/XX/XXXX which was not processed. A follow up attempt was made by calling in to one of their CSR 's in which that payment attempt also was not processed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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/2022 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person.

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 2023-03-15
Company: Experian Information Solutions Inc.
State: NY
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 saw an Experian e-mail saying I had a new alert and when I tried to log in it did not recognize me, it said that my user name or password was incorrect. I thought maybe the I needed an Uppercase so when Experian sent my user name, XXXX, '' but that is not my e-mail or username. I was on Experian a month earlier dealing with a dispute. I tried to pay my credit card bill and XXXX XXXX  actually allowed someone to change my e-mail address which locked me out of paying that bill. 
Today I got the Experian recording which WOULD NOT allow me to speak to a real person. After 3 tries I googled the Corporate office at Experian and the operator told me to say " dispute '' to get a body. When I did, I was transferred three separate times. When I finally got through to a person, they sent a password reset to the person who hijacked my Experian account instead of me. Because the thief changed my email address/ username. I currently have NO access to my Experian account even though I have a current dispute on record. There appears to be someone out there who has my personal information and has used it to change my Experian credentials and other accounts. I am unable to place a fraud alert on my account because Experian does not recognize me as an account user. I have been unable to get a hold of anyone that will 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