BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-18
Company: GOLDMAN SACHS BANK USA
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
I applied for the XXXX XXXX in early XXXX and applied multiple times due to paying off other debt and wanting to see if the rate would change. I get a message that says I applied too many times. I contact support and am told to wait 30 days. This was on around XX/XX/2019. I wait 30 days and receive the following email from Goldman Sachs " Thanks for your interest in XXXX XXXX. Goldman Sachs Bank USA has reviewed your application, and it was not approved at this time because : You have applied a number of times so we can not verify the information you have provided at this time If you believe this decision was made in error, please re-attempt the application : Ensure your personal information ( legal name, SSN, birth date ) is accurate and matches your ID, if provided If you were asked to verify your identity with your Driver 's license or State-issued Photo ID, make sure : You are capturing the image clearly You position your Driver 's license or State-issued Photo ID in the frame, place it on a dark surface, and make sure lighting is adequate with no glare Your ID hasn't expired '' Same message as before the 30 days. I ask them to open an investigation into whats going on with my apllication and get no solutions or suggestions. Just " Try again '' type mentality.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
All three credit agencies are showing way off differences. I was using XXXX XXXX to help with this issue. After cancelling my membership my credit score dropped tremendously without any changes. I gave. XXXX   cards cancelling me and lowering my available limit with no reason. Ive had inquiries removed and my score keeps going down. Something is not right and need to find out wgat is going on. Ive never been XXXX on a payment and my score keeps dropping

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 2020-10-10
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have ask these credit company 's to remove these accounts that was open without my consent

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
XXXX I posted online for XXXX  tickets. XXXX XXXX ( name on XXXX who has now deactivated her XXXX account ) She showed me the image of the 4 XXXX tickets as well as an image from her XXXX account. She stated for section XXXX the tickets were $ XXXX so a total of {$9000.00} XXXX - She gave me her cell phone number so my husband could call and verify ( XXXX ) XXXX My husband gave me the go-ahead on purchasing the tickets. I tried several times to send the money via XXXX, the XXXX XXXX, etc. The XXXX handle I paid {$2000.00} to was XXXX ( she said this was her sister 's account ) She said they work together because they'll ticket brokers. So I sent the {$2000.00} then XXXX wouldn't allow me to send any more money. She refused XXXX. I suggested a XXXX XXXX and attempted to pay $ XXXX but again it failed. So my suggestion was a wire transfer. I went to my branch bank at BMO harris on XXXX in XXXX. The teller XXXX XXXX filled out the wire. I gave the recipient 's account info : XXXXXXXX XXXX - routing XXXX account number XXXX. I sent this recipient {$7000.00} via wire. As soon as I showed her the image she blocked me on XXXX and wouldn't return my calls. When the teller asked me what the address was for the recipient I sent her a message to get her address. The teller responded " just pick an address, it doesn't matter ) so the only address I knew off the top of my head was my mother 's. So the wire transfer doesn't even have a correct address on it. 

XXXX I went into the bank to close all of my accounts because she had access to my account numbers and address. I submitted a complaint to the attorney general, the filed a police report for the XXXX police, the submitted a fraud case to the FBI.

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 2020-03-28
Company: Ability Recovery Services, LLC
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Hello, I'm not turning to the CFPB to aid me in finally recovering from this nightmare. I'm being asked for {$430.00} for a hospital bill that does not belong to me. I have not been to any hospital and ever since XXXX, me and my local police department have been trying to remedy the situation. 

I'm not sure what's going on, but I've gone back and forth with the hospital. Following sending them my I.D . and documents, they ceased to respond. What's going on now globally does not make this any better. 

Please aid me in recovering from this tragedy! At this point I am just ready to sue the bureaus and collectors involved. I've reached out to the creditors as well as to the bureaus. What 'was incorrect ' was removed, excluding this 1 creditor. I did send a certified letter with tracking in XXXX. And aside from that, have sent it to the bureaus. 

Please remove this ridiculous account from my credit report immediately. It's such a ridiculously small amount, if it were mine I would've paid it! I base a salary of {$70000.00} a year. This is NOT my account!

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 2021-10-12
Company: USCB, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2021 I went to the XXXX XXXX to get a XXXX XXXX  and they sent me to 5 different places in the hospital for a simple XXXX XXXX I was being told that my insurance would cover this cost, If i were to pay the copay. I paid the copay and never received a bill, letter, call or an online notification saying that I needed to pay more. 6 months later I received a letter from a debt collector saying that I owe money and now I need to deal with a company called USCB that they do not even have an email address on their webpage. I called multiple times XXXX on XX/XX/2021 to get an answer but they kept transferring to a different departments and finally they transferred me to a fax machine.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-23
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
Credit card agent called me on overdue bill which I paid on the phone with agent then he convinced me to change my credit card bills from paper mail billing to online billing.I explained to him that I am a XXXX  citizen and not computer savvy and he then went on to convince me to sit by my computer and walked me through the process of converting the payment from mail billing to online.With my XXXX  moments I totally forgot about the payment change and as I always do wait for my mail to pay my bills.No bills arrived in the mail and I received a phone call 3 months later that I owed approximately {$1500.00} on credit card which was a bill from 3 months ago since I did not use the credit card in the past two months. 
I told the credit card representative I want to pay my bill but I need to see a copy of the bill to verify the charges. The agent said they will send the bill by mail and 2 weeks later I received the bill in the mail and called immediately the credit card company to pay the bill.At that time the agent told me the credit card was cancelled and all my points accumulated over time were removed and there were fees and interest charges on the bill as well as a yearly credit card fee. I explained that I havent received a bill in the mail for these charges and the agent said you needed to go online to see the bill. I told them I am not computer savvy and dont know how to get my user and password and the agent confirmed that I never opened the online account since it was opened with the original agent on the phone. 
They claim I opened the online account on my own without any assistance of their agent which is a complete lie and they deny their agent had anything to do with my opening the online account.They claimed to review the telephone recording and I would like to hear the telephone records of the complete conversation with the agent in XX/XX/2022 when I paid the credit card on the phone with the agent and then he convinced me to change the billing information to online and had me sit in front of my computer and walk me through the whole process to change the account from mail billing to online.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-12
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. I don't know who XXXX XXXX XXXX XXXX is. I have never signed any agreement or contract with them. 

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 They have violated my HIPPA rights as well! This is financial discrimination and XXXX inequities. They have violated my Equal Credit Opportunity Act- This Act ( Title VII of the Consumer Credit Protection Act ) prohibits discrimination on the basis of race, color, religion, national origin, sex, marital status, age, receipt of public assistance, or good faith exercise of any rights under the Consumer Credit Protection Act.

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 2023-04-23
Company: Paypal Holdings, Inc
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Thursday XX/XX/XXXX and XXXX XXXX  PayPal contacted me saying they had closed my account and are withholding the money in my account The amount I currently have in my account is {$290.00}. I have called and recorded the conversation with PayPal support 3 times over the course of a couple days, the first individuals claim they have no idea as to why there was a hold on my account, gave me a ticket number and told me to wait for an explanation as to why. No response was given. I called them Sunday, XX/XX/XXXX around XXXX requesting an explanation, with none to be given. They have admitted multiple times that they have limited my funds without proper notice as to why, They then transferred me to a supervisor, who again, declined to give me any information. I have had the PayPal account since XXXX  with no issues. I would like my money back, and my account reinstated if at all possible, I reviewed their blanket policy terms of service and found that I had not violated it. here is the email I recieved You can no longer do business with PayPal After a review of your account activity, we've determined that you're in violation of PayPal 's Acceptable Use Policy. As a result, your account has been permanently limited and you won't be able to conduct any further business using PayPal. This is permitted under the PayPal User Agreement sections Prohibited Activities and Restricted Activities, Holds, and Other Actions We May Take. You must remove all references to PayPal from your website ( s ) and/or auction ( s ), including removing PayPal as a payment option, the PayPal logo XXXX and the PayPal shopping cart. 
If you have funds in your PayPal balance, we'll hold it up to 180 days. These funds may be used to satisfy any obligations you may have under the User Agreement. After that period, we'll email you with information on how to access any remaining funds. 
If there are chargebacks that result in your account balance falling below XXXX, you will need to settle the amount owed to PayPal to avoid further action. 
Customers who are permanently limited for violating the Acceptable Use Policy are not permitted to use PayPal services and are not permitted to open new or additional PayPal accounts. 
You can find the complete the PayPal Acceptable Use Policy by clicking Legal at the bottom of any PayPal page. 
We regret any inconvenience this may cause. 
Log in to PayPal

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-12
Company: WELLS FARGO & COMPANY
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: Credit inquiries on your report that you don't recognize

Complaint:
This is inquiry not authorized or signed by 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 2023-10-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
On XX/XX/XXXX I noticed an unusual transaction on my Bank of America personal and business checking accounts. 
XX/XX/XXXX Personal Checking # XXXX - Offset payment to acct XXXX - {$230.00} XX/XX/XXXX Bussines Checkig # XXXX - Offset payment to acct XXXX - {$480.00} After contacting the bank they informed me that they offset the amount to pay the credit card balance and referred me to discuss the matter with the offset department. I requested immediate reversal of the funds because Bank of America made such an action without informing me and most important without my consent. 
The person helping me was very rude and referred to a contract or read it before signing something. When I asked to provide a contract she told me that I have to get it from bankofamerica.com or go to the local branch. ( I have a recording of the entire conversation ). It turned out the signed contract is missing from the bankofamerica.com website. I also went to the local branch to request the contract and the person helping me said that they do not provide contracts in the bank. It turned out I needed to make an appointment with the branch to request the contract. 
The bottom line, the bank refuses to reverse offset charges and refuses to provide signed contract.

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 2023-03-13
Company: GOLDMAN SACHS BANK USA
State: MN
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:
PLEASE MAKE THIS INFORMATION PUBLIC. 

False Advertisement by Apple Card. 

I bought two XXXX  XXXX and was double charged. 
I bought two XXXX XXXX tickets and was charged for Three tickets. 
Several unsuccessful attempts had been made. Apple Card only act with the intervention of CFPB. 

Apple Card promised a 3 % cash back. 
Where is my 3 % cash back. 

My Apple Card account is unilaterally closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12
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:
In accordance with the fair credit act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  is violating my rights. 

15 U.SC 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 604A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18
Company: Experian Information Solutions Inc.
State: DC
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: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-26
Company: INTERCONTINENTAL EXCHANGE, INC.
State: OH
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
XXXX XXXX XXXX of Florida, no longer in business, assigned our mortgage on XX/XX/XXXX ( XXXX XXXX, Ohio, Volume XXXX, Page XXXX ). This mortgage was then assigned to XXXX Mortgage on XX/XX/XXXX ( XXXX XXXX, Ohio, Volume XXXX, Page XXXX ). This mortgage was then assigned to Mortgage Electronic Registration Systems as a nominee for XXXX XXXX XXXX, no longer in business, on XX/XX/XXXX ( XXXX XXXX, Ohio, Volume XXXX, Page XXXX ). XXXX Mortgage issued a foreclosure on this property, located at XXXX XXXX XXXX, XXXX, Ohio, XXXX, AGAINST the advice of the XXXX XXXX NOT to do so. This mortgage subsequently was modified and we are STILL PAYING on the original mortgage to another loan servicer. For some reason, and I believe due to the attempted foreclosure and subsequent modifications, liens are showing against the above mentioned property. It is our desire to have these liens removed so that we can move forward with a sale of the property. Thank you in advance for your assistance in this matter. It is greatly appreciated.

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 2021-06-10
Company: Experian Information Solutions 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: Public record information inaccurate

Complaint:
Experian is reporting a dismissed bankruptcy that I have already sent a FTC report back on XX/XX/2021 they responded with verified. I contacted the bankruptcy courthouse and they stated they dont report to any credit reporting bureau which I attached a letter so I dont know where experian got this information from. I also contacted XXXX XXXX and they said they couldnt find a bankruptcy connected to my personal information. Experian is in violation for reporting inaccuracies on my consumer report and had cause me personal damage and distress. According to 15 USC 1681c-2 any information resulting from an alleged identity theft shall be block no later than 4 business days.

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 2023-10-18
Company: Experian Information Solutions Inc.
State: DC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX WASHINGTON, DC XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX, GA XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX, GA XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXXWASHINGTON, DC XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XX/XX/2023

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