BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-01
Company: Paypal Holdings, Inc
State: DC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Problem adding money

Complaint:
To whom it may concern, On Monday, XX/XX/XXXX, I considered a money transfer into my Venmo account for {$670.00} dollars. Venmo offered the transfer service to me, stating that the money would be available in my account to use on Thursday, XX/XX/XXXX. Given that timeline offered by Venmo, I decided to proceed with the money transfer that day - XX/XX/XXXX, expecting my money to be available in my Venmo account on XX/XX/XXXX. 

The money was debited from my XXXX account on XX/XX/XXXX, and deposited into Venmo. 

Nevertheless, its Friday, XX/XX/XXXX, and my money isn't available yet in my Venmo account. I contacted customer support, and they didn't resolve the issue. Furthermore, they attempted to modify the original terms of the offered service, saying the money would be available today, XX/XX/XXXX ( XXXX hours later from the promised date and 5 days later after initiating the transfer ), or until Monday, XX/XX/XXXX ( 4 days after the promised date, 8 days after initiating the transfer ). 

I want to highlight that the money was debited from my XXXX account, and deposited into Venmo, since Tuesday, XX/XX/XXXX. Venmo is illegally keeping my funds from my property, and Venmo is blatantly violating the terms of the service offered. Furthermore, after contacting Venmo, the issue was not resolved and said that the money would " eventually '' be available, perhaps until Monday XX/XX/XXXX. It is hard to believe their offered terms of service, when they have already failed to comply with the original terms of service offered.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12
Company: BAM Management US Holdings Inc.
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
BAM Trading Partners , Inc. dba Binance.US has locked my account for a chargeback for over 10 days now. I have filed 3 different tickets with their system. In each ticket I described that I can not deposit, withdraw money or tokens, or perform trades on the exchange. They requested that I submit a video with my ID and bank statement information which I did. 
Ticket numbers : XXXX, XXXX, and XXXX After 5 days a customer service rep reached out on one of my tickets ( XXXX ) to tell me that I needed to bring the balance on the account positive after the chargeback. I replied " I know, but you haven't enabled deposits on my account so how am I supposed to do that? '' She " escalated '' my issue but I haven't heard anything since despite reaching out again this morning. 

There is no telephone number and I have attempted to reach out to parties that are employees etc. on XXXX, including the @ binanceUShelp to no avail. Nobody bothers to respond there. 

I currently have more than {$50000.00} tied up on this exchange and no way to secure my assets at all. This is the worst customer service I have ever experienced from a financial institution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18
Company: BARCLAYS BANK DELAWARE
State: MA
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:
My personal identifiable information was leaked and compromised in late XX/XX/2023. On XX/XX/2023, I received an email for an order placed with XXXX for my Old Navy Barclays credit card. 

I immediately noted that there were unauthorized transactions on my Old Navy Barclay account including one for {$1300.00} ( there was another transaction on the same day, XX/XX/XXXX that was to same vendor and over {$1000.00} that they blocked but they let the XXXX go through ). I disputed the charge with Barclay and sent them information and my dispute has been denied 3 times. The rationale is that the merchant has matching information to my identify. I have let them know that it will match because my information was stolen, and they would not have been able to purchase on my card if they did not have matching information. 

I have a receipt that includes the email where the XXXX tickets went to ( not mine ) and filed a police report. I don't think Barclay is being fair and currently that charge is still on my account. This may be potential UDAAP and Reg Z issues. 

Can the CFPB please assist me in resolving this matter? 

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 monetary relief
Consumer complaint received 2019-05-24
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
Navient has ignored my best interests and created obstacles to repayment by providing bad information. Came to an agreement on the interest rate, and then was called back a week later, and told that the manager backtracked on the rate, and said they could only offer a higher rate which I could not afford. Neither payment was reasonable, and Navient did not take my expenses for me or my child into consideration. They have failed to act when I have complained. I was told that I could no longer use forbearance, and they refuse to help me. It was not communicated to me until now that I only could use 12 total forbearance 's over the life of the loan. I was steered towards taking multiple forbearance 's instead of Income Driven Repayment Plans. When I was offered IDR plans they were not in line with my earnings. I feel cheated out of my right to lower payments, and feel that they are making me overpay for my loans knowing that I am struggling financially to make their high payments. They have harmed my credit in the past, and I feel as though my loans have accumulated an unreasonable amount of interest. This company has deceived me, and led me to believe that they would work with me when they don't.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17
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: Other problem

Complaint:
I purchased a trip to go to XXXX in XX/XX/XXXXXX/XX/XXXXwith XXXX XXXX travel. The trip cost a total of {$5600.00}. I paid for this in 4 installments : {$1500.00} on XX/XX/XXXXXX/XX/XXXX {$2000.00} on XXXX/XXXX/XX/XX/XXXX {$1000.00} on XXXX/XXXXXX/XX/XXXXand {$850.00} on XX/XX/XXXXXX/XX/XXXX. Unfortunately due to COVID this trip could not take place. The company wrote me an email stating they would not be offering refunds but they would be postponing the trip to XXXX. I received a Credit for the full {$5600.00} to use for a trip in XXXX. However on XX/XX/XXXX I was told that XX/XX/XXXXtravel was now in administration and is no longer trading as a business. They have cancelled all future trips. I was advised by XX/XX/XXXX to contact my credit card which is a Chase Visa and asked to contest the charge as the goods and services provided were not received. Chase denied my request as they stated too much time had passed. I called and explained that the reason all the time had passed was because the trip was initially rescheduled. There was no reason to contest a charge when I was promised what I paid a year later. The customer service rep suggested I resubmit my claim to include the email promising the trip in XXXX, the credit, and then the letter I received about administration. This was again denied. I spoke to a supervisor again XX/XX/XXXX who again stated that it had been too much time since my charges. They advised me not to resubmit unless I have new information. However, my understanding about visas rules are that, the time limit for making a claim should start from the date you were expecting to receive the service/trip not from the purchase date, given you are buying something to be delivered in the future. So I don't think the window has closed. And I believe I am entitled to the {$5600.00} I paid for a trip that the company will no longer be able to provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
TransUnion, XXXX and XXXX is furnishing negative items on my consumer report that's suppose to be excluded. The information was obtained under false pretenses through aggravated identity theft to help the furnisher extort me by using racketeering activities to compel and coerce me into paying alleged debt not owed.

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 2021-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts and inquiries that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report : XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX on XXXX XXXX, XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX XXXX  Inquired on XXXX XXXX, XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX Inquired on XX/XX/XXXX 2021

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 2023-10-03
Company: SYNCHRONY FINANCIAL
State: GA
Product: Credit card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
In XXXX XXXX XXXX, we asked for a quote from Lowes for a fence to be put in. The rep showed up, measured, told us the cost. As we were talking through things, he said they offered 12, 18, or 24 months NO interest. We took the 12 month option because it was the lowest monthly payment and then we set up autopay so that we didnt have to worry about missing payments. 12 months later we were slapped with {$2300.00} worth of deferred interest. The best that Lowes and Synchrony can offer is a 30 day grace period to pay off the entire balance to avoid the deferred interest. Our issue is that we were told by the Lowes Rep that it was NO interest. We would have never agreed to deferred interest. Whether intentional or not, his dishonesty and withholding of all relevant and pertinent information is unfair and is penalizing my family greatly.

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 2022-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
First and foremost, these accounts are hindering me from obtaining my veteran home loan because it appears I still owe the government, when in fact, I dont. I've made several attempts to dispute the XXXX accounts and the inaccurate information that's being placed on my credit report. The accounts with XXXX are still reporting as 120 days late, but like I've stated and disputed before, these accounts are closed paid accounts with a XXXX balance. The accounts are CLOSED, and they are PAID OFF, and they have a XXXX balance. So how I can be 120 days late under those circumstances. Furthermore, how can I be 120 days late, if I was never 30, 60, and 90 days late, which is clearly shown in the two year payment history section of my credit report. And in response to my last dispute, the credit bureau stated that these accounts were properly investigated, but how can that be if they're still reporting clear and factual inaccurate information. Surely this is grounds for removal. Even more, i feel my rights have been violated under 15 U.S.C 1681s-2 ( A ) ( 1 ) which states : 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. And I have proven that. I've attached clear and undisputable proof to back up my claim.

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 2018-09-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I placed an order at Kohls.com, the order got cancelled and when i called to find out why they said there was a fraud alert ( I had never had this before, nor did they call or email me about this ). They said they phone number on my account couldn't receive texts and would not allow me to use a different number as they claimed they could not verify the number. They would not explain why they couldn't verify it and just locked my account saying i need to go to a store with 2 forms of ID. I do not have time to do that, and i have 2 cell phones with 4 available numbers as well as an email on the account that they can use.

I have had fraud alerts with other banks and a simple phone call or click of an email link will correct it. i have never had to go to a bank. This is unacceptable.

I spoke with XXXX, employee number XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-03
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: AZ
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:
Genesis Debt Recovery contacted me by email on XX/XX/2023, introduced themselves, and said they are trying to collect debt. The email stated I could call or write them by XX/XX/2023 to dispute the debt. I mailed them two certified letters requesting additional information about the debt before the deadline on XX/XX/2023 and have not received a response. They have been calling, emailing, and texting me. I've responded to their text messaging system saying " STOP ''. They emailed me again on XX/XX/2023 claiming the debt is now past due. I responded to the email notifying them that I sent letters to their mailing address and that my account should be under appeal. They have ignored my requests and failed to provide me with any other information about the debt they are claiming I owe, yet they continue to contact me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30
Company: Flagstar Bank, N.A.
State: KY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Flagstar continually harasses my XXXX brother and has refused to fix the system errors that cause the issues. He had to switch banks a few months ago and we set up online to make auto payments from the new account. We were told Flagstar system kicked it out due to it not matching their previous information for him. He asked to speak to a supervisor to get it cleared up and was told they could not do that. I did file a complaint with Flagstar concerning that issue as well. He asked me to help after becoming so distraught by the actions of this company. I started advocating on his behalf XXXX. Since then I have conference called with my brother on XXXX, XXXX, XXXX, and XXXX. I have sent in proof of payment twice now to 2 separate emails provided to me by Flagstar. I finally got to speak to a supervisor ( XXXX ) XXXX and he was not helpful other than to say we needed to send in proof of payment, being a copy of an endorsed check cashed by Flagstar. I did explain several times, the payment was made over the phone due to previous issues out of our control. I even gave him the confirmation numbers we were given at time of payment. He said his supervisor ( XXXX  ) was on leave without an ETA on when we could speak to her. I contacted his bank and they told me to send bank statements with other personal information blacked out and they were happy to conference call with them to verify payments deducted from his account. As soon as we get issues cleared up for one month, they start all over again and employees insist he hasn't made his payments and trying to talk him into filling out forbearance paperwork due to Covid. He does not need forbearance. He can pay his payments and does pay his payments. He is told each time he tries to make a payment that he can not for the month because the system says he is past due, and as soon it's cleared up and he makes a payment over the phone, he is told he can not set up for auto pay due to having just made a payment. I am at a point I am reaching out to get assistance from anyone who can force this company to quit preying on my brother. We will transfer his loan to VA asap and hope to never deal with this again and to never see or hear of anyone having to go through this again.

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 2022-08-19
Company: EQUIFAX, INC.
State: WV
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:
There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions completed by me as the consumer : 1 ) XXXX XXXX XXXX XXXX XXXX  Account No : XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/2022 XXXX ) XXXX XXXX XXXX  Inquiry Date : XX/XX/202XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30
Company: Social Finance, Inc.
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
During the refinance Process with Sofi from XXXX XXXX of XX/XX/2020, my property taxes were paid out to my government from XXXX XXXX. Sofi is now carrying a very high escrow balance that is not needed, and I need to be refunded that amount. I spoke with a customer rep for Sofi in XX/XX/2020, and she stated that I would be refunded the excess amount after my XX/XX/2020 payment was made and the escrow balance was reassessed. That did not happen. ON XX/XX/2020 I contacted Sofi again, and get getting hung up or dropped from the call, and no one could help me rectify the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30
Company: AFNI INC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/2020 I sent certified mail correspondence to the company requesting validation and proof of contract to substantiate their claim. The have not responded to my request. The company also never contacted me prior to furnishing information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.

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