BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-09
Company: Paypal Holdings, Inc
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing

Complaint:
" Venmo '' is a company that appears to be owned by " PayPal. '' The Venmo website states : " Venmo is a service of PayPal , Inc., a licensed provider of money transfer services ( NMLS ID : XXXX ). All money transmission is provided by PayPal , Inc. pursuant to PayPal , Inc.s licenses. XXXX  PayPal , Inc. '' Venmo is utilized by many people, especially small business owners, to receive money. One of these small business owners sent me their Venmo link, where I attempted to pay them. The Venmo app failed to work, and I contacted Venmo customer service. Instead of receiving help, my account was suspended and then frozen. This experience is commonplace amongst Venmo customers, according to countless online reviews. See here for some of those reviews XXXX XXXX XXXX XXXX I decided I wanted nothing to do with Venmo and demanded that Venmo permanently delete my account and all associated data. Venmo has not done so. I have multiple emails proving this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07
Company: U.S. BANCORP
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
AGAIN my wife and my transfers from US Bank to XXXX XXXX  is taking too long. When the requested date of maturity to distribute the CD is 22 days late on XX/XX/XXXX. 

I initially bought my CD 's from State Farm Bank. The government transferred my CD 's to US Bank. US Bank is not equipped to handle these funds. This is my XXXX complaint. It takes XXXX hour to get to talk to someone at US Bank to try to find out where MY MONEY is. This bank that the government transferred my money to is understaffed and incompetent. They charge me a yearly fee for my wife and my accounts and a transfer fee for each of my CD 's. I did not sign for any of the charges when I was with State Farm. The last XXXX complaints resulted in getting an apology letter from US Bank. This dragging of their feet with slow transfer is costing me money. They are floating my money. I dont want another apology letter, I want results. I have about XXXX more CD 's with this company and I am going to transfer as soon as they mature. I am looking into other agencys to complain to to get help. An appology letter from this company does no good.

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 2023-01-21
Company: WELLS FARGO & COMPANY
State: NY
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
Saw this online and thought would apply. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, at the time the loan was taken out my address was XXXX XXXX XXXX XXXX XXXX XXXX My address now is : XXXX XXXX XXXX XXXX XXXX XXXXXXXX mY phone number now is XXXX XXXX XXXXXXXX it has been years so I don't have any other information against Wells Fargo. Who I am applying for. We also had a mortgage with them i THINK. It just has been so long, I don't remember all of the details. I hope you can help me with this. thank you.

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 2021-10-28
Company: Synovus Bank
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I opened a First Progress XXXX  credit card in XXXX with a {$300.00} security deposit. I used the card and made regular payments for 3 years all with no problems. I stopped using the card in XXXX and over paid the balance in appx XX/XX/XXXX. 

First progress sent me a {$15.00} refund check. I check my email my mail and my credit report monthly. I have not received anything from First Progress Card since XXXX of XXXX. That is when they emailed me a statement. 

XX/XX/XXXX First Progress was negligent in charging me a {$39.00} annual fee on a card with no balance and then not sending me a statement! I had not way of knowing there was a fee charged with not statement. I was notified of this charge only after my XXXX credit reporting said that I had been given a 30 day late charge on a card that I had received a refund check from as my last correspondence. I have promptly paid off the balance again and I would like the 30 day late reporting removed from my credit report on all 3 bureaus. This is negatively affecting my ability to buy a primary residence and I did my part to fulfill my obligation to First Progress Card.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
MY SIGNATURE & ADDRESS DOESN'T MATCH WITH ANY OF THESE CREDITORS THAT'S REPORTING ON MY CREDIT REPORT. I NEED PROOF OF MY SIGNATURE, NAME & ADDRESS TO CONFIRM THE VALIDITY OF THESE TRANSACTION/S.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-30
Company: Experian Information Solutions Inc.
State: MS
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:
In XXXX and XXXX of 2021, I filed a dispute with Experian and XXXX credit bureau about the unverified accounts XXXX XXXX XXXX Account number XXXX and XXXX XXXX  account number XXXX. I have asked numerous times for a response and I have not received anything in response from these bureaus in over 60 days. So now I'm contacting the cfpb to step in and help me get this issue resolved for FCRA non-compliance and because I have not received a response from this company about these 2 unverified accounts as of today Which is a violation of the Fair Credit Reporting Act. These collection agencies are supposed to notify me of their investigation results within 30 days.. Thank you

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 2021-03-10
Company: CITIBANK, N.A.
State: CT
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 was " approved for the Citi / AAdvantage Platinum Select card, with a credit limit of {$10000.00}. Your account is considered open as of today, XX/XX/21. '' However, since that time I have not received the card which was supposed to have arrived in 7-10 days. In fact, a follow up email from Citibank said I should have received my card by now. When I called they blocked me almost immediately. I called from XXXX not from my home phone because, I, like so many others, do not use a landline often. Two customer service representatives yesterday, XX/XX/XXXX were rude and belligerent to me, asking all kinds of security questions which I passed. They lied about putting me through to a supervisor, rather left me on hold so as not to look incompetent. I ended up speaking to several more today, including a supervisor and they refused to unblock my account. To be clear, I have never received the card in the mail. I was merely asking when it was sent out. I did not ask any account sensitive questions and answered all their security questions. They kept saying 'sorry ' or 'unfortunately ' and insisted on calling me despite me not having an easy way to be called back. I said I wanted the hard inquiries pulled from XXXX and XXXX which will stay there for two years. I don't want the credit card. My account is open and I can't even use it! Nor can I close it! They will bill me {$95.00} and I will not get the bonus miles promised. Citibank is a scam. I want the account closed and the hard inquires removed at once. It negatively affected my credit score for two years starting recently.

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 2019-07-30
Company: JPMORGAN CHASE & CO.
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:
I recently received my XXXX credit report # XXXX dated XX/XX/XXXX and it shows the following hard inquires : JBMCB   with an inquiry date of XX/XX/XXXX, JBMCB with an inquiry date of XX/XX/XXXX, JBMCB with an inquiry date of XX/XX/XXXX, JBMCB   with an inquiry date of XX/XX/XXXX and JBMCB with an inquiry date of XX/XX/XXXX. 

I do not recall giving authorization for these inquiries. I also do not have any open or current accounts associated with these inquiries. Please delete these inquiries immediately from my credit report. 

Conversely, if you do have documented proof with my signature of authorization of these inquiries please sent me a copy of such within 14 days. 

Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-17
Company: Chime Financial Inc
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/2023 my XXXX account got hacked and the hackers took XXXX from my Chime account. I since then got a new chime card. I filed 6 disputes and 3 rebuttals and still chime still says no error found. I call and call and nothing happens I keep getting denied. I filed 2 police reports and still they have denied me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10
Company: LoanCare, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My home loan owned by XXXX but services by Loancare. I received an incorrect XXXX for tax-year XXXX. I attempted to contact Loancare but they have not responded to my e-mails. I tried calling them on the telephone but was only able to get a computer and was unable to ever talk to a person. 

My initial e-mail was on XX/XX/XXXX. I received an automated e-mail response within a short time saying they had received my e-mail but with no other information. I still have not heard from them.

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 2021-06-30
Company: CAINE & WEINER COMPANY, 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:
An itemized bill does not imply that the debt is valid anyone can send a bill a claim ownership.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-24
Company: JPMORGAN CHASE & CO.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I purchased my home through Chase mortgage in XX/XX/2017 as a first time homebuyer. On XX/XX/17, an escrow payment of {$320.00} was applied directly to the escrow account. Going forward, the original agreement, signed in good faith, indicated of the {$1000.00} monthly payment, {$140.00} would go towards the escrow account to cover insurance and property taxes. I set up an auto pay for {$1100.00} so {$88.00} additional principal would also be applied. These amounts were paid and applied appropriately until the payment on XX/XX/2017 where the escrow payment applied was dropped to {$64.00} ( down from the {$140.00} ) to continue paying the insurance but not the property taxes without my knowledge or consent. I was confused and unsure as to why this happened but, being a first-time homebuyer, assumed that because the previous home owner had a homestead exemption that granted him complete exemption from property taxes, the taxes may have been re-assessed and with already almost {$1000.00} in the escrow account the monthly amount withdrawn could now be reduced. Believing the bank would apply funds as necessary, I did not change my automatic payment - I continued the autopay that was set up to pay the monthly mortgage amount dictated by the bank plus the {$88.00} additional principal. 

Recently, I noticed a message on my online Chase mortgage account that indicating my monthly payment would be changed once again but this time from {$970.00} to {$1800.00}! It appears that because the bank failed to continue applying escrow towards the property taxes, they are now unfairly demanding that I double up on tax payments this year to clear last year 's property taxes and put money into escrow for this year 's property taxes. Of the {$1800.00} payment, it appears they are applying {$510.00} towards " escrow shortage '' ( short due to the bank 's error )  and {$390.00} towards property taxes. As you can imagine, nearly doubling the monthly payment on a mortgage would no doubt create a severe financial hardship on a single mother. I feel the bank was misleading and deceptive in their erroneous practice of changing the monthly payment without my consent and then expecting me to pay twice the amount in property to make up for their mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15
Company: CITIBANK, N.A.
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
XX/XX/XXXX - approved for new Citi Double Cash credit card XX/XX/XXXX - still did not receive card so called. Recording asked for full social security number ( not just last 4 digits ). Recording stuck me in a loop as I don't want to enter my full social. Representative answered and also requested my full social security number. I said no and that I was fairly certain it was illegal for her to have that kind of access. 
XX/XX/XXXX complained via survey regarding the social security number issue XX/XX/XXXX complained via chat to Citi agent " XXXX '' as no follow up had occurred from Citi. XXXX logged a complaint report but did not advise if/when I would hear follow up and how my concerns about this security issue/breach of privacy will be remediated. I was provided with a case number - XXXX - but do not feel confident that Citi will take steps to protect its consumers.

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 2023-11-28
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15
Company: ResidentCollect, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
A written debt validation request was sent to Innovative Recovery Inc and it was received on XX/XX/2020. They have not provided a response back via mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-25
Company: Santander Consumer USA Holdings Inc.
State: CT
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Vehicle was repossessed or sold the vehicle

Complaint:
I have been disproportionately have been affected as a person of XXXX by the lending practices of XXXX  XXXX XXXX XXXX XXXX XXXX through receiving higher than and to a greater degree interest mark up comparatively to my XXXX  counterparts in getting the title loan.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-28
Company: EQUIFAX, 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: Problem with personal statement of dispute

Complaint:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19
Company: CITIBANK, N.A.
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: Other problem getting your report or credit score

Complaint:
Less than two years ago I started a membership with XXXX XXXX XXXX XXXX. It came with CITI Bank Visa credit card with a {$1200.00} limit. I did not need the credit card because I have another Associated XXXX XXXXXXXX XXXX and XXXX XXXX both with XXXX XXXX dollar limits. I accepted the Citi card with the purpose of just using it at XXXX so I could receive membership points and cash back at the end of the year. I seldom used the CITI Bank card. 

On XXXX, I purchased a TV and Stereo speakers from XXXX for {$1400.00} using the CITI Bank Visa card. The transaction processed without a hitch even though it exceeded the {$1200.00} limit by almost {$300.00}. I thought the transaction would process to the limit of {$1200.00} and I would have to pay the difference with cash or another credit card. Within a week of my purchase, CITI bank reported me to the credit agencies ( XXXX, XXXX and XXXX ) reducing my credit rating by XXXX points. Keep in mind that my debt payment date on the credit card was not until the end of XXXX. They did not even give me an opportunity to make good on the debt before reporting to the credit agencies. The debt was not delinquent.

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 2021-03-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XX/XX/21 I called the center of Bank of America to dispute a charge in the amount of {$24.00} from a purchase from poshmark on XX/XX/21 I had to dispute the charge because the package irrived damaged and I stop at the post office and I was told I could not claim the ins it had to be poshmark and the poshmark was not responding so I had no alternative to do it thru my bank all I wanted was a label to return the merchandise to get credit instead I was abused by my bank I spoke with a supervisor his name was XXXX in Arkansas he was rude nasty and I told him I would report him to the banking Commissioners office and ended the call. On XX/XX/21 I went to access my account I was notified that my account was in review to be closed I done business with bank of America for 15 years no overdrafts my account is in good standards I can't get founds of {$900.00} my name is 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 monetary relief
Consumer complaint received 2022-10-06
Company: Experian Information Solutions Inc.
State: NV
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:
This is my 2nd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX  XXXX Balance : {$1900.00} XXXX  XXXX XXXX Balance : {$680.00} XXXX CRED ( Original XXXX XXXX XXXX XXXX  XXXX BANK XXXX A ) XXXX Balance : {$1100.00} XXXX XXXX XXXX XXXX XXXX Balance : {$3300.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/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 2023-10-11
Company: Maximus Education, LLC dba Aidvantage
State: NE
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I HAVE TRIED FOR OVER TWO WEEKS TO GET SOMEONE ON THE PHONE TO DISCUSS MY XXXX XXXX XXXX XXXX 

I GET EMAIL BACK SAYING SOMEONE WILL CALL YOU BACK SOON ... .NO CALL IS EVER RECEIVED. 

I JUST WANT TO PAY OFF XXXX XXXX XXXX AND DO NOT TRUST THE GOVERMENT OR ANYTHING ONLINE... I WISH TO DO THIS OVER THE PHONE WITH A LIVE PERSON. 

PLEASE HELP. 

THANK YOU. 

XXXX A XXXX

Company response to consumer: Closed with explanation