BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. Please don't ignore my request this time to correct the negative information you reported in my file. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2023-02-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My card was charged multiple times for the same in the same and the after at a store. I disputed the transactions and was given the credits back in my account the same day. Now months later after the dispute the credits my account was credited are now being taken back because the closed the investigation on my claim and dis not rule in my favor. I did not make these transactions and now I can not pay my bills because of it. I reached out to the bank several times to try and resolve this issue but they are saying that there isnt anything they can do right now I have to wait 45 days u til they come to another decision about 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 explanation
Consumer complaint received 2023-05-17
Company: GOLDMAN SACHS BANK USA
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have an Apple Card that is serviced by Goldman Sachs. I have had the card for almost a year, and made all payments on time. For my XXXX payment, I accidentally paid the installment balance & interest charge twice, because I didn't receive confirmation of the first payment ( so I submitted the payment again ). I later saw two payments posted to my account. I was unable to cancel the pending payment from the Apple Card app, so I contacted the support team. The support team told me they were unable to cancel the payment when it was pending, so to reach back out once it had posted in a few days. I waited a few days and then reached back out once the payment was posted. The support team then told me they were unable to cancel the payment once it was posted, and I would need to contact my bank to cancel the charge. I contacted my bank, and they said they couldn't cancel it and I would need to go back to Goldman. I went back to Goldman again, and they said they could file a request to refund my payment, and that it would take ten business days. It has now been ten business days and I contacted them again, to which they have said the process will take up to 30 days. I am confused and frustrated as to why my additional payment is still being held by Goldman and I keep getting misinformation about the process. I think this is a deliberate attempt by Apple and Goldman to make the process intentionally confusing so that people give up and don't bother getting their money back after an accidental over payment.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-07-23
Company: Navient Solutions, LLC.
State: MO
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I have not received any statements or phone calls about the loan. When I spoke to them back in XXXX I was entered into a deferment. I was notified that my credit score went down due to payments missed by Navient. But I have yet to receive a letter or a phone call. How is that allowed? They are just increasing my balance due and not evening contacting me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09
Company: NRA Group, LLC
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX, 2022 I received an alert about an collection account from NTL Recovery Agency, I've called and spoken with NTL and explained to them that this account has been resolved with another agency, NTL Recovery Agency refuses to remove this collection off my report, this is unacceptable and Unprofessional.

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 2023-05-17
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Dear PayPal Team, I am writing to appeal the suspension of my newly created PayPal account registered under the email address XXXX. I was surprised to receive a notification shortly after registering for my account that it had been suspended. As a first-time user of your service, I have not engaged in any activities that violate your policies. 

I kindly request that my account be reinstated and that you provide me with an explanation for the suspension. I have not had the opportunity to conduct any transactions or use any of the features of your service, so I am unsure of the reason for the suspension. 

I would appreciate it if you could review my account and provide me with a prompt response regarding its status. Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: ME
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Servicing of the mortgage transferred from XXXX to Rushmore effective XXXX XXXX, 2022. As of XXXX XXXX, 2022, borrower had not been informed of the servicign transfer so borrower made a regular monthly payment of {$540.00} to XXXX. XXXX put that payment into suspense, then on XXXX XXXX, 2022 XXXX transferred that payment to Rushmore. Rushmore did not apply that payment to the loan account, but instead applied it to the escrow account. There was no justification for Rushmore to apply this payment to the escrow account which was not short. The wrongful application of this payment put the loan into default and triggered the imposition of late fees and letters from Rushmore to the borrower wrongfully asserting that the loan was in default.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO
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:
Debit card number was used fraudulently for a transaction of {$650.00} on XX/XX/2017 at XXXX, XXXX, NJ. The Debit card was in my possession during the incident. 

We realized funds were missing 6 months after the incident. 

Lodged a complaint with Bank of America ( BOA ) Fraud investigation team. First BOA promptly refunded the amount and started investigation. 2 months later, BOA deducted the credited amount claiming PIN was used in debit card transaction and hence, must have been done by cardholder or family member. There was no contact made with XXXX and no proof sent to us. 

We challenged the findings, even citing to verify XXXX CCTV and faxed all details from nearby BOA branch. Followed up with fraud investigation team, who confirmed they had all the details and can expect in our favor. However, after another 2 months of investigation, BOA came back with same " PIN was used '' reason and closed the case again without any refund. 

XXXX store, where fraud happened, didn't give the receipt as they said they have policy not to maintain records older than 3 months. However, online XXXX customer service retrieved the transaction bill. There were 2 money orders drawn - one for {$150.00} and other for {$500.00}. XXXX XXXX confirmed that both money orders were cashed out and can't be replaced.

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 2021-05-24
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
In XXXX i opened a SYNC/XXXX  account. in XXXX it was closed, on XX/XX/XXXX it was removed from all credit credit bureaus, i called the bank, the bank said they have no record of my account, they ask me for my account number, i told them i only have the first six numbers or the last four numbers. they said its no good. i called the credit bureaus to ask if they can give me my account number. they the don't give full account number. 
Maybe the credit bureaus would give you the full account number .... 


the complaint is for SYNC/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 2018-07-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
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:
Bank of America XXXX XXXX shut down my credit card and reissued me with a replacement and claimed this was because of a fraud dispute they had identified by a company called XXXX though I could not see the charge on my statement. I had a previous fraud claim against this company back in XXXX, and was told by XXXX XXXX that the company was now blocked. I asked how a new attempt could be made against my card once it was blocked -and they did not explain. The next day, on XX/XX/XXXX, two new fraud dispute claims had been entered into my card account -one for an XXXX charge and another for XXXX charge, both of which I had authorized. I told them I did not report those as fraud claims and the charges were fine. They then said the disputes had been entered by one of their fraud representatives -XXXX XXXX   . I asked how that could be since I never reported those charges as fraud and never authorized them to be entered. I believe that my privacy and card security have been compromised by these false fraud claims having been entered without my knowledge or authorization and that mu card was shut down because of this and that Bank of America will not explain what happened or why.

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 2023-02-08
Company: American Accounts & Advisers, Inc.
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a bill from XXXX XXXX for anestesia that was provided for my daughter at XXXX 's in XXXX. I contacted XXXX XXXX to let them know they filed the insurance claim against me, not the patient, my daughter. My daughter had already met the XXXX deductible, thus, the cost would be borne by my insurance company. XXXX XXXX acknowledged the error and stated they would resubmit the claim properly to XXXX in my daughter 's name. 

I then received a notice from American Accounts & Advisers dated XX/XX/XXXX indicating they were attempting to collect my debt of {$570.00} shortly thereafter. I notified them of the above, they indicated that it was too late to submit to insurance and that I owe them the money now. I disputed the charge at that time. 

I received another notice on XX/XX/XXXX that I owe them the money. 

And have now received a notice on XX/XX/XXXX that I owe them the money and threatening legal action. I called them again today, XX/XX/XXXX, to find out what the dispute process is- they indicated their attorney may contact me but that they had noted this account was in dispute in XX/XX/XXXX as I requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-23
Company: LD Holdings Group, LLC
State: OR
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My name is XXXX XXXX XXXX, I have a VA loan that is serviced by loanDepot, XXXX. XXXX XXXX, XXXX, New Jersey XXXX. Customer Service telephone number : XXXX. 

When I purchased my home my wife was not on the loan. I would like to add her to the loan. 

On three ( 3 ) separate occasions, over the last 5 months I have called my lender, loanDepot, and have requested documentation from them so that I can add my wife to the loan. 

All three times I have been assured that I will be receiving the documents in the mail and it will take 5 to 7 days. 

I have yet to receive the documents. If they are sending them via the mail, it most certainly isn't to the address on the loan. 

I have called and the Customer Service Representative looks into the computer data base regarding my loan and finds no mention of my request or of the documents being sent. I have requested to speak to a Supervisor but none are ever available. 

My next step after this is to contact the VA regarding loanDepot 's lack of support for Veterans. 

I am curious as to the motive of loanDepot for not providing me the capability of accomplishing putting my wife on the loan.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03
Company: EQUIFAX, INC.
State: AZ
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:
Due to the pandemic, the public is entitled to free WEEKLY credit reports from Equifax, XXXX, and XXXX. At the site recommended by the CFPB, XXXX XXXX XXXX, I am unable to obtain an Equifax credit report online. This is due to the " security questions '' that are posed -- Equifax must have erroneous answers to some of these questions. This forces me to request my credit reports through the mail, and I send my requests certified with return receipt due to the confidential nature of the request form 's contents. This costs {$7.00}. I am at risk for identity theft due to a transgression by XXXX, and I need to request my credit reports frequently. 

On XX/XX/2021 I sent ( via certified, return receipt mail ) a complaint letter to Equifax concerning this matter, as my pandemic budget did not originally include {$7.00} every time I want to check my credit report. Equifax never acknowledged the screening question issue, instead sending two copies of my credit report that I'd requested previously through certified, return receipt mail. This did not solve the problem of the company 's online screening questions having erroneous answers and serving as a barrier. I am still stuck having to pay {$7.00} to obtain what I should be able to get online for free.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-23
Company: AES/PHEAA
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Hi CFPB, I wanted to inform you of some of the misinformation and misreporting going on with XXXX XXXX XXXX and the Public Service Loan Forgiveness program. Recently, I changed careers from working as a XXXX XXXX XXXX in North Carolina. I worked in NC for five consecutive years with no breaks in service. During this time, I paid on my student loans every single month, automatic withdrawal. So it was roughly 60 payments, give or take. However, when I submitted my documentation to validate my payments for the PSFL. I was told that I only had made 30 qualifying payments with no explanation. This is not true, and it is either intentionally deceitful, or gross negligence. This incorrect representation of my payments would cost me thousands of dollars.

I have called 2 times and spoke to representatives who ensured me that my situation was under review and they had no other information. I also have emailed about my situation on 2 separate occasions with no response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-21
Company: PORTFOLIO RECOVERY ASSOCIATES 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:
I have a loan with XXXX  XXXX XXXX XXXX, XXXX, and PORTFOLIO. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, and PORTFOLIO with no successful resolution. There was definitely an error on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
These are not my accounts, addresses, nor did I authorize these companies to run my credit. Please remove 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 2018-07-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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: Billing dispute for services

Complaint:
On Thursday, XX/XX/2018, I accessed TransUnion to get my free annual credit report. I was lead to a page where I had to enter my debit card information to access my score. The page did not have any information whatsoever about anything I would be charged, and I trusted that the company needed my card information since they're a credit reporting agency and occupy a position of trust. I entered my information and was presented with my credit score on the next page along with information telling me I had been charged {$19.00} and had ( unbeknownst to me ) opted into a credit monitoring service with a monthly fee of {$19.00}. 

Upset that I was charged for something I was given no information about ( so I could make an informed consumer decision with all the relevant facts and service information ), I searched for the unenroll page on the TransUnion site. I spent a very long time trying to find where I could unenroll from the service I wasn't even told I was signing up for. I finally found the unenroll option buried in a far corner of the site. The dropdown menu for reasons for un-enrollment asked if I signed up without knowing what I signed up for. This clearly means TransUnion knows they're profiting off of consumers by concealing charges and the purpose for those charges related to the free annual credit score consumers are entitled to.

I hope you can investigate this issue. I can not imagine I am the only person who has experienced this, and I'm quite disappointed that a credit reporting agency -- a company that has immense consumer trust -- is operating in a way that takes advantage of that trust.

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 2023-02-02
Company: WELLS FARGO & COMPANY
State: KY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
I had a used auto loan through Wells Fargo starting in XXXX. I believe there were some fees that were taken out that were not supposed to be as well as issues getting the lien release from them. When I paid off the loan, the remaining balance, I believe had some hidden fees added to it that I was not made aware of. Also I believe the interest rate was misappropriated toward the end of the loan.

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 2023-02-13
Company: Experian Information Solutions Inc.
State: NC
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:
There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the transactions to be reported on my consumer report. I have filed an Identity theft report and mailed it certified with tracking number ( XXXX ) to Experian in which they received it on XX/XX/2023 at XXXX XXXX requesting that the reporting of this information be blocked and deleted within 4 days of recieving my notice and ID theft report. My request to block this information is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer.

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