BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-01
Company: GOLDMAN SACHS BANK USA
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Please read thoroughly for complaint. Response below first paragraph. 

Goldman Sachs Bank USA received the above-referenced complaint related to the Apple Card via the Consumer Financial Protection Bureau ( CFPB ) Complaint Portal on XX/XX/2020. The Bank appreciates the opportunity to address the issues raised by XXXX XXXX XXXX the Customer ). The Customers complaint references a dispute related to a transaction with XXXX XXXX on XX/XX/2020 in the amount of {$2800.00}. The merchant provided evidence stating the Customer exchanged the item, received a partial credit in the amount of {$42.00} and received a gift card for the remaining credit amount of {$1400.00}. According to the merchants terms and conditions, the Customer would receive a refund credited via the original payment method if the merchandise had been returned within 14 days of purchase ; because the exchange was initiated after that time period, the Customer instead received and confirmed receipt of gift card for the difference. As part of the investigation, the Bank unsuccessfully attempted a three way call between the merchant and the Customer, but the Customer refused to speak with the merchant on a three-way call. Based on the information reviewed during the investigation, the Bank does not have any knowledge of facts confirming a billing error, and the Bank resolved the dispute in favor of the merchant on XX/XX/2020. After reinvestigation, the dispute decision will remain the same. Based on the above details, the Bank kindly requests this complaint be closed. 

-- -- Goldman Sachs has failed to properly investigate this dispute even 1 year after the date of purchase. I ordered the item online on XX/XX/XXXX, received it shipped to me on XX/XX/2020, and only returned it on XXXX XXXX, when I was still within 14 days after receipt, confirmed by postal office, and returning it. Goldman Sachs in its investigation did not even verify that this is actually an online transaction! XXXX XXXX promised me a refund back to the credit card and I am still waiting for it a year after because Goldman Sachs can not do a proper investigation and should therefore fully compensate me for the amount claimed plus any penalties for being a year late in responding.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-12
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
XXXX XXXX XXXX ( Part of the XXXX XXXX ) charged me an additional {$50.00} in fees to generate payoff amount requests which were produced online. There was no mention of these fees when it was requested, via online account access. Besides, the payoff request was generated on their website which I printed out after the 2nd attempt, but they also sent me mailed copies. The first attempt, the website was unresponsive, but SLS still managed to charge me for that request. This is a deceptive practice and I should not be held liable for these extra fees.

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 2017-09-13
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
In response to the XXXX security breach, I attempted to place a freeze on my credit report with Experian and XXXX and got messages from both that it would cost me {$10.00} to do so because I live in Virginia. This is XXXX. XXXX did n't charged me to place a freeze on my credit. Furthermore, this whole mess is XXXX XXXX fault. XXXX is the one that allowed this breach to occur and it should pay for all consumers to protect themselves and any losses they incur as a result. I should not have to pay Experian 's or XXXX XXXX {$10.00} charge and I wo n't. So, if my credit is stolen as a result of my inability to place a freeze on my credit I will be suing both Experian and XXXX along with 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 2021-04-07
Company: CITIBANK, N.A.
State: KS
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Citibank informed me that they were closing my two savings accounts on XX/XX/XXXX. One savings account had over XXXX in it and the other has roughly {$500.00}. I was told the process can take 30-60 days. I followed up with them again on XX/XX/XXXX, they were not able to give me any additional information. On XX/XX/XXXX ( today ) I was informed that the smaller of the two accounts was officially closed on XX/XX/XXXX, funds no longer in the account but could not confirm if a check was mailed. I confirmed they had the correct mailing address but I still have not received the check. She informed me that the larger account was still locked with my funds in there but has not been closed. No further information given. This is my second complaint and o am concerned where the funds from the smaller account have gone and why the larger account isnt been closed. They are holding onto my money. I am currently trying to buy a home which is now impossible because I dont have access to my money.

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 2021-04-07
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I sold goods on XXXX and put my money in PayPal, but PayPal stole my money without my permission. I have the formal invoice of purchase PayPal - negative {$10000.00} XX/XX/XXXX Transfer Loading transaction details for PayPal - negative {$10000.00} XX/XX/XXXX Transfer You reported a problem with this transaction. See the status of your case in the Resolution Center. 
Paid with Balance {$10000.00} Transaction ID XXXX Seller info Note {$10000.00} USD ; PayPal Posting Date : XX/XX/2019 ; Payment to : Paypal ; PayPal 's damages caused by Acceptable Use Policy violation

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-18
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
On XX/XX/2018 I recieved a direct deposit of {$5.00} that brought my account to {$10.00}. On that same day I made a purchase of {$6.00} aXXXX XXXX. The bank charged me a overdraft fee because they say I didn't have enough funds, but I did. When I asked why they charged that overdraft fee they didn't have a reason for it. It took them two days for them to get back to me with a reason why.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-13
Company: EMG ACQUISITION GROUP, LLC
State: LA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount

Complaint:
I was disputing a loan amount and requested that in the interim, my account with the payday loan company be transfixed until the issue of my consumer rights violation could be resolved and the company never responded to CFPB and Im turn, CHARGED my bank account for {$380.00} on XX/XX/18, this causing me to be late with other bills. I was consequently assessed a {$130.00} lien fee to my storage unit because I couldnt pay them, because XXXX XXXX XXXX TOOK the money and was NOT authorized on XX/XX/2018 to do so. I hereby dissolve and rescind and/or revoke any and all of their claims ( real and perceived or implied ) to any authorization to my bank account or applicable cards in case there should be any further mishap ; this statement by myself is thereby documented via this complaint as such.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21
Company: Convergent Resources, Inc.
State: IL
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 contacted the company who failed to provide the documentation requested of them. Their response was a bill. I didnt ask for a bill, I asked for proof of hour this item was verified and validated. A bill is not proof. I requested approximately 8 different items to show there was an actual investigation. They failed to respond with this information within 30 days. Then street proceeding to not provide the requested documentation they reported the account to the credit bureaus

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 2021-02-22
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I opened an Account with HSBC Bank on XX/XX/2021 with {$10.00}. a Few days later I was advised by them that they were closing my account. They have not provided a reason why and they still to this date will not release my funds to me. I have made multiple attempts to contact them. They say go to a branch but I am over a 900 miles from the closest branch.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-13
Company: M&T BANK CORPORATION
State: PA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
In XX/XX/XXXX, M & T Bank assumed the responsibility of a mortgage loan I had with XXXX. The effective date of the transfer was XX/XX/XXXX. In my 10-plus years as a homeowner, I have made on-time monthly mortgage payments. 

Although the due date is the XXXX of every month, I typically pay within the 15-day grace period for mortgage loans. Thus, no late fees are incurred. 

However, since the transfer, M & T Bank has made recurring calls asking when payment is going to be made ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. ). The representative begins my asking to confirm personal information ( last four SSN ). This practice would seem suspicious. 

During the most recent exchange with an operator ( XX/XX/XXXX ), he asked when payment would be made. My reply : The same time frame as the previous month. Later, I wondered if the bank could see a record of my last payment. The representative said no since it was made online. Subsequently, he noted my response in my account. 

However, to my dismay, I received a phone call seven days later ( 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 explanation
Consumer complaint received 2019-03-19
Company: SUNTRUST BANKS, INC.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
fraudulent check under our my name deposited @ XXXX bank and fund was drawn from my suntrust account. 
checks XXXX for XXXX blank check XXXX for XXXX XXXX for XXXX XXXX for XXXX These transaction hit my account on XX/XX/2019. aware of it on XX/XX/2019 and file a complain with Suntrust bank. case # XXXX was told by fraudulent dep. that will take 15 days to investigate.now passed that we tried many times to get response but calls goes to their support center in XXXX hard time understanding.

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 2021-08-12
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 called Experian they told me they are not able to assist me I would need to handle any dispute myself, I explained I tried with no success, here is the problem with my credit. 
I have two inquires on my credit that I did not authorize, I tried calling both companies to dispute without success, the 1st company is XXXX XXXX XXXX XXXX. XXXX unable to get anyone on the phone to assist. The 2nd company is XXXX XXXX XXXX XXXX they were unable to find anything under my name and number but did not give out my social security number.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-12
Company: JTM Capital Management, LLC
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Company is sending text message without consent with a link to click. Does not state it is a collection agency.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-27
Company: JPMORGAN CHASE & CO.
State: SC
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I've ask JP morgan bank to not pay anyone from my saving account nor transfer monies from saving to checking and if there's no money don't pay, Chase also will make multiple payments to the same people three time in the same day.B was I at a store making a purchase than they cut off my card while I'm in the store making a purchase. 
a copy of unjust fees charge to my saving account for fees pertaining to my checking. ( unjust fees ) If this is the case than you need to go backward from todays date and remove all overdraft fees you charged me cause you can just take from the saving and apply to checking such as you did in this case.You have proven to me that you used my saving account to to pay for something pertaining to my checking account ( I don't have overdraft protection on either account ). I did not request all theses copies. Look how many times you have charged me. I was not aware that I could overdraft my saving account for over {$600.00} when I can't overdraft my checking account for XXXX XXXX. Since when does any bank allow an overdraft on any account for over {$600.00} dollars. The last Bank I was with they would call me or email me that there is a problem.You will pay monies out to the same firm for the same reason 3 time in one day without alerting me or questioning me about it .You cut off my card while I was in a store with monies in the account and say to me, It sounded an alert. 

And here 's a copy of the many times they have charge me

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-08-01
Company: Experian Information Solutions Inc.
State: PA
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 refinanced my home on XXXX XXXX XXXX with XXXX XXXX XXXX ( XXXX ) in the amount of XXXX dollars. XXXX did not payoff and satisfy the XXXX XXXX as stipulated in the Promissory note recorded by XXXX on XX/XX/XXXX. XXXX has been falsely reporting to the 3 primary credit reporting agencies ( XXXX, Experian, and XXXX. ) XXXX has been claiming I have 2 loans with their bank since day one and I am presently indebted to XXXX in the amount totaling XXXX dollars. XXXX has been reporting my mortgage loan erroneously by variously titling my single transaction as a Real Estate- Jr. Lien/ Non Purchase Money loan while simultaneously retiling the same transaction as Installment Account Open, On XX/XX/XXXX XXXX and their attorneys XXXX XXXX XXXX XXXX , XXXX XXXX XXXX refused to pay XXXX the outstanding balance and proceeded to demand XXXX to " charge it off to me and release the satisfaction statement to FCB. XXXX has exaggerated my indebtedness and has caused irreparable harm to my credit worthiness. I disputed with the 3 primary credit bureaus? ( XXXX, Experian, and XXXX ) I also asked XXXX to correct errors and they failed to do so.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-13
Company: SIMM Associates, Inc.
State: MO
Product: Debt collection
Sub-product: Private student loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I live in Missouri. XXXX XXXX XXXX have contacted me, they know my phone number and address and XXXX XXXX XXXX recently contacted an ex-brother-in-law living in Florida. He knew it was a debt collector and reported that the lady, XXXX, was rude. She also contacted the ex-brother-in-law on his cell phone, so I have no idea how she got that number. I have spoken with XXXX XXXX XXXX, they have contacted me while I am working and I have told them I would call them back when I wasn't at work. As I said, they have contact information for me so there is no reason they should be looking up possible relatives, or random people with the same last name as me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04
Company: BARCLAYS BANK DELAWARE
State: NY
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:
I booked airline tickets with a company XXXX using a barclays card number XXXX XXXX XXXX XXXX. XXXX issued fraudulent tickets not honored by the airline. I contested the charge, The credit card company sent ubnreadable correspondence from the merchant.I asked for readable copies .I asked by telephoning and in writing. The crediot card company never responded and demanded payment.

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 2021-04-07
Company: Fidelity National Information Services, Inc. (FNIS)
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: Account status incorrect

Complaint:
XXXX XXXX XXXX continues to report checking account fraud and account abuse after my repeated disputes to lawfully get these comments and the entire XXXX XXXX XXXX account listing removed from my XXXX XXXX XXXX XXXX XXXX. I've done nothing wrong and XXXX  XXXX XXXX has yet to prove why it's not removing these illegal comments and the entire account listing for that matter. If XXXX  XXXX XXXX 's stance is solely based on the fraud/abuse comments within their XXXX listing, then the entire account listing must be removed from 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 2020-11-14
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
The Company Did Not Resolved the Matter Plus i Mail a Letter To XXXX  XXXX Requesting them to Add the Information about this closed account Back the the Credit Report and XXXX  XXXX Denied to Fix This Matter and This Account is Not Being Reported to Equifax and i contacted Equifax and they told me to contact  XXXX  XXXX To Fix the Problem with the Closed account not Showing on My Credit Report. 

The Company Did Not Resolved the Matter and Denied the Request and also the Account is not Being Reported to Equifax i Contact The Credit Report Agency and they adviced me to contact XXXX  XXXX and Notified them that there is No Closed Account Being Reported to the Credit Report Agency Dear For i Will Not Continue Make Payment Until this Account is being reported to Equifax The Company Did Not Fix The Problem with My Credit Report with Equifax and this account is still missing from my Equifax Credit Report and XXXX XXXX did not Resolved any inquires about this complaint

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-26
Company: EQUIFAX, INC.
State: SC
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 had a fraud alert placed on my Equifax credit file that indicates anyone who runs my credit needs to call me for permission. That was not done, and that violates my rights as a consumer and I'm now left with several credit inquiries that I did not authorize. I've reached out to Equifax several times to advise them of my credit file being pulled without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07
Company: BAM Management US Holdings Inc.
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I transfered XXXX from binance chain wallet ( binance smart chain network ) to binance.us ( XXXX XXXX ). I tried every other option to send and XXXX was the only way it would let me send. I have confirmed that XXXX was the incorrect way to send, but that binance.us will be able to recover the funds since it was still sent to my address, I am happy to pay any fees associated with recovery. 

Date sent - XX/XX/2021, XXXX MST Amount - XXXX XXXX XXXX XXXX - XXXX

Company response to consumer: Closed with explanation