BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-08
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
paypal steal my money, They took the money out of my balance without authorization and notice because I had violated Acceptable Use Policy violation.It 's ridiculous.For this reason they have frozen my funds for 180 days.During this period, the money was not refunded due to buyer 's refund, This is enough to prove that there is no risk when trading.But they still took my money.What right do they have to take my money? PayPal is just a method of payment, They stole my money for some invented reason without any damage to the interests of the buyers and sellers. They are robbing me

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-27
Company: EQUIFAX, 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 information incorrect

Complaint:
I have contacted Equifax three times disputing inquiries to creditors who ran my credit reports with my authorization. The inquiries are not " permissible purpose. '' Inquiries or " preapproved offers. '' The reported inquiries are from creditors who ran my credit report without my authorization, and prior to lifting my security freeze. I have disputed the unauthorized inquiries multiple times by phone and online, and in writing requesting Equifax dispute the inquiries pursuant to the FCRA Section 604 which states Equifax must supply me with the credit application verifying my name, address, date of birth, social security number and signature verifying the disputed inquiries. Equifax simply states in the investigation results " we have received and viewed your dispute, please contact the creditor. This is intentionally, and not disputed and in violation of the FCRA Section 604 Proof of Verification by supplying the consumer with Proof ... '' Fair Credit Reporting Act. '' Received and reviewed is none compliance of FCRA Section.604.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I have been extremely stressed about the business practice of Experian credit bureau. The incorrect reporting of this account has caused numerous denials from creditors due to this incorrect reporting. I have tried since XX/XX/2020 till now to get this account removed from my credit report and I have been ignored. I have submitted letters for removal of this XXXX XXXX credit account from my credit report for years. I was told that if I completed the payment plan this account would be removed within 30 days. This account is still showing on my credit report 2 years later. My credit report is very important to me and my family and this has caused creditors to deny me or give me higher interest rates. I am requesting for this account to be removed immediately from my credit report. I have been treated unfairly by this credit bureau and I feel I am being discriminated against because I am XXXX American. I have documentation from the agency that I paid and there policy clearly states they would request for this account to be deleted from my profile. I am asking for this to be removed and a copy of this update to be sent to me upon completion. I experienced tough financial times when this account was charged off but I have since been in a better financial position. I am a XXXX veteran who really needs this account removed so that I provide a better life for my family and I [ XXXX XXXX ]. I am not asking for a handout but I expected for all parties involved to respect the agreement. Please please please remove this immediately so that me and my family can enjoy the American dream of home ownership.

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 2021-04-30
Company: BAM Management US Holdings Inc.
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
Because the US laws changed I was required to transfer all of my cryptocurrency from Binance to Binance us. On XX/XX/2021 I transferred XXXX XXXX but accidentally forgot to add the memo so my coins went to Binance us but did not make it into my account. The same day I created a ticket with their customer support ( because there is no phone number or live chat to contact ) asking to return my coins. It took 51 days and a complaint to the California attorney general to even get a response to my ticket. I provided them with the requested information and then on XXXX XXXX I received an email stating my money would be returned ASAP. I followed up with the company 10 days later and on XX/XX/XXXX again received the exact same email stating my money would be returned ASAP. It has now been XXXX XXXX months and I still do not have my money. At todays price my XXXX is worth over {$2500.00}. This company is stringing its customers along and keeping their money. I feel like this is theft at this point. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-13
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
XXXX, mortgage servicer for XXXX, reported late payments to all three credit bureaus while I was on a national declared disaster ( Hurricane Irma,  Florida ) forbearance and then a mutually agreed mortgage modification with XXXX. They directly reported a 150 day late on XX/XX/XXXX and reported as ND ( Not Due ) on every other month from XX/XX/XXXX thru XX/XX/XXXX. The 150 day late reported by XXXX on XX/XX/XXXX should also be reported as ND ( Not Due ) as I was on their forbearance and modification agreements, as attached. 
XXXX is involved in a number of law suits for reporting erroneous mortgage information and was subsequently forced by XXXX to transfer all servicing to XXXX XXXX which is now my XXXX servicer.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-09
Company: NATIONSTAR MORTGAGE LLC
State: OR
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
On XXXX/XXXX/15 NationStar sold our XXXX loan. They will not tell me anything about it. I just saw in my online account there was a non cash adjustment for the amount of the loan. I tried to make a payment and I ca n't. They wo n't tell me even why I ca n't make a payment. My son an accountant told me it was sold. It was sold on XXXX/XXXX/15. I have no information as to who bought the loan and where I need to make a payment. This account has been frozen by Nationstar due to them buying it from XXXX XXXX XXXX and not getting the modification papers. I sent them 4 times. Someone finally found them so I know they had them. They sent back payments when we tried to pay the loan payment. The said to make a payment XXXX XXXX. We tried and they would n't take a payment. Now I find out why, they do n't have the loan to pay. ( I have a letter from Nationstar telling us to make the XXXX XXXX 2015 payment ) I need to know who has the loan and where to send payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-25
Company: FORD MOTOR CREDIT CO.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Ford Motor Credit has continued to report fraudulent information on my credit reports. I have disputed this information several times and corrections were made. However Ford Motor credit continues to report fraudulent information over and over. The account has been closed and written off for many months. However Ford Motor Credit continues to increase the balance and even know there is no payments due Ford Motor Credit reports missed and late payments every month and increases the balance. I have a letter from an attorney who represents ford that tells me do not send payments to ford motor credit. So if the account is closed and charged off, written off and it shows no payment is due. How can Ford Motor Credit continuously report that my payment is late and how does the balance increase on a closed account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-29
Company: Utah System of Higher Education
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
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:
I've seen no changes for the accounts that I have filed last month, I see multiple 120-150 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
I was actively XXXX in the military. I had an account with XXXX XXXX XXXX. While XXXX my then girlfriend started using the card. Although she was making some payments, she was not making others, then just stopped after she maxed out the card and left me. I call XXXX XXXX as well as filed a dispute on my credit report as well as a police report and ID Theft report. The card is still showing on my credit after multiple attempts of removal.

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 2023-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 DONT HAVE PUBLIC RECORDS ON MY REPORT, PLEASE AND I'M BEGGING YOU TO DELETE THIS INACCURATE DETAILS ON MY REPORT ASAP, THIS GIVING ME ANXIETY AND I WON'T ALOW IT.

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 2020-06-05
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2020 I walked into a branch and deposited a XXXX check from California child support. Later that day I recieved a Emil saying my account was going to close. XXXX XXXX I called the fraud prevention department and they made me aware they placed a hold on the check which caused my account to over draft. That representative took the hold off the check and placed it back into my account. XXXX XXXX Wells Fargo deducted {$1200.00} from my account saying they gave it to me twice. The representative from XXXX XXXX forced the check into my account instead of releasing the hold. So I put {$1200.00} they took it out it back as a in branch deposit and then took it again. They wont even give me proof of the hold or wont show where they took it only that it was in 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 2019-10-28
Company: Experian Information Solutions Inc.
State: CA
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:
I have been trying for the better part of a year to get both XXXX and Experian to investigate the accuracy of items on my credit report. While they conducted an initial investigation, the errors on my report remain specifically, there is a BK showing on my credit report. Additionally, XXXX is not reporting accurately either, XXXX claims I have an account that was discharged in BK. I have never had an account with XXXX and both XXXX  and Experian refuse to investigate the matter. They also claim to have verified a BK which is not possible. Based on the documents I have provided, you will see that XXXX refuses to investigate and that Experian completely ignored the dispute regarding a BK showing on my credit report. Please advise these companies as to FCRA law in regards to having to investigate all disputes. My disputes are in no way frivolous, there is inaccurate information that needs to be corrected.

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 2023-03-01
Company: TRUIST FINANCIAL CORPORATION
State: NY
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:
On XX/XX/2023 a inquiry from this company ( s ) was pulled from my credit without my notice or authorization. I did not apply for anything with these company ( s ), I believe I was a victim of fraudulent activity. These unauthorized inquiries have negatively affected my credit score and my ability to acquire credit. I need these false items removed from my credit report as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I called in on XX/XX/2023, here 's what happened and the information to get this issue solved. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - XXXX. Fraud Claim ID : XXXX XXXX. Account Number : XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- --- Yes, I know my Chase checking account XXXX is overdrafted and closed by Chase by it is because I did not get a proper investigation into my fraud claim, the system automatically declined it and overdrafted my account. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -I faxed in a letter from the TSA proving that my wallet which contained my vital documents along with several credit/debit cards from Chase and other companies, proving that I did in fact get my wallet stolen and a letter addressing to Chase to reinvestigate XXXX when I called in to confirm my fax, they automatically declined it, what else do you knuckle-heads need? The TSA letter should be way more than sufficient to prove that my wallet was stolen, I sent the same letter to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and they all kindly did an investigation and the results were that it was indeed fraudulent, they all refunded my money but Chase. Please make this right. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -What else have I included in the attached section? 
A police report because since you won't take the TSA letter from the manager at XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-05-08
Company: NATIONSTAR MORTGAGE LLC
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My family income rate decreased which lead us to apply for a loan modification 3 years ago. This process of mitigation has gone back and forth for 3 years with no resolution until now ... .FORECLOSURE! A realtor company just arrived to my door to inform me that our home was forclosed on Tue, XXXX XXXX. No one from Nationstar had contacted us at all. We were told that the foreclosure process would be stopped upon receiving the requested documents. This loan started with XXXX XXXX XXXX but was sold to Nationstar. The communication is horrible with Nationstar, until the last minute, to request an IMMEDIATE update on paperwork and repetitive forms that have already been faxed or emailed with confirmation. However, we ALWAYS immediately send every form/document, hardship letter, profit and loss statement, letter of explaination, etc has been sent in a timely manner. We do n't always get a confirmation from Nationstar that they 've received the documents so we have to call or email them. We ca n't get any one particular person to handle our case so it 's always difficult and almost impossible to consistently reach someone to discuss your case or issues. No clerk/technician ever has any concrete information about your case being settled, etc. They can only tell you if the documents have been received or not. After successfully receiving all requested documents our home has now been foreclosed. We 're capable of paying for our home but not at these extremely high interest rates. We 'd still love to keep our home but just do n't know what else to do. We 've even been using a third party, XXXX XXXX XXXX ( Foreclosure Prevention ) to no avail. XXXX is just as shocked about the foreclosure as we are and instructed me to file this complaint. Also, the realtor, XXXX, suggested I file a complaint as well because this happens too often and it does n't seem as though banks want to work with the occupants at all. What else is the consumer to do when you 've done all that was requested? All requests were honored in timely manners. If at all possible, IMMEDIATELY. We 've worked hard for what we have and are fighting for our rights to be property owners at this address. We 're young hard working professionals as a family of XXXX, who 's faced hardships and misfortunes just like others but we 're financially stable now and do n't know what else to do. PLEASE HELP!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-28
Company: PENTAGON FEDERAL CREDIT UNION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Penfed advertise on its website that one of the main benefits of its PENFED PATHFINDER REWARDS XXXX XXXX CARD is a " {$100.00} Annual Air Travel Credit for baggage fees, lounge access and onboard food and beverages ''. 
On XX/XX/19 I charged {$30.00} for baggage fee on a XXXX flight and a week later I got a {$30.00} credit. 
On XX/XX/19 I used the card to pay for baggage fees for {$80.00} for 2 flights with XXXX and expected a {$70.00} credit ( {$100.00} minus {$30.00} already received in XXXX ). After few weeks, I started calling Penfed to investigate why I had not received the credit. First I was told that it would happen automatically, but it would take up to 12 weeks. After 12 weeks I called again and nobody would even know who I should talk to. After multiple phone calls, I was told that I would need to talk to the Concierge Dept. I made multiple calls to the Concierge Department and nobody had any idea why I had not received the credit. After 3 phone calls, I was finally able to speak to a supervisor and asked if someone could investigate and call me back. When I finally received a call back, I was informed that " the card only reimburses charges by Domestic airline and therefore XXXX would not qualify ''. I pointed out that there was no reference to this in any of the marketing material I received nor on the website, which by the way, still shows today misleading marketing information. 
I believe that since Penfed advertises on all its marketing material " {$100.00} Annual Air Travel Credit for baggage fees, lounge access and onboard food and beverages '', the Penfed should reimburse customers for up to {$100.00}. Going forward if Penfed does not want to reimburse consumers for charges from international airlines, then that should be made clear in all marketing material including the website ( screenshot of the penfed site is attached ).

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 2022-09-26
Company: Chime Financial Inc
State: MA
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:
XX/XX/XXXX - XXXX {$300.00} & {$250.00} XXXX XXXX XXXX XXXX XXXX {$83.00} & again for {$280.00}. So i have been having issues with accounts getting hacked into XXXX XXXX and about XXXX other ones so I believe they somehow got back into my account and stole my information again after I made a purchase online, I blocked the transactions over text message which clearly did nothing and has happened in the past as well. I contacted bank support to let them know of the issue and they told me they would forward it to the dispute team which then denied my claim even though I had blocked the transactions and I did not authorize them they still denied my claim they're asking me to provide receipts or invoices when I was not the one who made them and to contact the merchants which I have XXXX of figuring out who they are. I could rebuttal the dispute but they will just deny it again due to the fact that i don't have any other info other than someone stole my information and that I blocked them which they should be able to see I blocked them in the first place but they wont do anything about it.

Company response to consumer: Closed with explanation