BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-06-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On XX/XX/18 I did a balance transfer from my card ending in XXXX. As is evident in pictures I will show, I was left with a {$0.00} current balance which stayed that way till XX/XX/18 where I was literally charged an interest charge, on top of a interest charge on top of a mystery fee. The mystery fee was for {$220.00} and doesnt show in my current balance so theres no way to see what that charge was for. I called BofA customer support 3 times for hoping someone could explain these charges reasonably. Each person reading from a script said, this is standard practice at the end of a promotion with no valuable elaboration. The first interest charge was a {$41.00} on XX/XX/XXXX for interested charge on a balance transfer. BofA did nothing in this balance transfer. Standard practice for banking companies is not to charge money when they are getting paid the entire balance. Then that same day there was a second interest charge of {$37.00} just called interest charge.

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 2018-06-26
Company: AMERICAN EXPRESS COMPANY
State: AZ
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: Card was charged for something you did not purchase with the card

Complaint:
ON XX/XX/10 MY XXXX WAS CHARGED BY REALTY VALUE SERVICES FOR {$720.00} I DID NOT DO BUISNESS WITH THIS COMPANY, AND WHEN I CALLED XXXX TO TELL THEM THAT I DID NOT AUTHORIZE THE CHARGE THEY SAID THEY WOULDNT HELP ME. ALL I WANT IS MY MONEY RETUNED TO ME I AM A SENIOR CITIZEN AND DESERVE TO BE TREATED WITH MORE RESPECT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14
Company: CCS Financial Services, Inc.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX of this year, I filed a complaint with the cfpb in reference to this company under complaint XXXX. 

The company responded on XX/XX/XXXX commenting that they would send documentation to verify this debt. To this date I have received no communication or proof ( 28 calendar days from the original complaint ). I am asking for the last time for this entry to deleted from my credit reports before I take further action. Attached is a copy of another letter sent out today requesting documentation, which they claimed to have not received before. 

Copies to other companies listed

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-26
Company: EQUIFAX, INC.
State: AR
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:
According to the FCRA individuals should have access to credit reports online, Equifax has not allowed me access to my personal credit report online nor updated my information. ( See attachment ) their website has not been updated since the following date on the attachment. 
Equifax is reporting an address I have never lived at and swears that the address belongs to me. The following address belongs to an XXXX family listed with the XXXX County Recorders office or Assessors Office. The address they swear belongs to me is : XXXX XXXX XXXX XXXX XXXX CA XXXX. 

Due to the hardship and denial of several credit from fraudulent addresses reported without my permission this has caused me to be denied employment and licenses for skilled trade. 

I can login to an Equifax website but the information is incorrect. I contacted my attorney and have relocated to an entirely different state to disassociate myself from fraudulent address to continue to be a victim of fraud. ( see attached information )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
This loan with XXXX XXXX belongs to XXXX XXXX. XXXX XXXX did not sign the promissory Note or mortgage. Please remove from my credit

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 2020-08-22
Company: AMERICAN EXPRESS COMPANY
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:
On XX/XX/XXXX of 2020 I booked a vacation rental with XXXX XXXX  a vaccination rental company..I booked the trip for my daughters middle school XXXX.I paid a total of {$2100.00} to rent the property from XX/XX/2020 till XX/XX/2020 with my American express card.On XX/XX/XXXX XXXX XXXX XXXX company canceled my reservation due to corona 19 virus.I have attached my paid reservation confirmation and also the cancellation letter that was sent on XX/XX/XXXX from XXXX XXXX called XXXX XXXX Many time with out any luck of getting a live person.I then put a dispute on the charge. Since then I have talked to American express many times to many to count .And each time they say they will have a supervisor look at the dispute but nothing ever happens XXXX XX/XX/XXXX the balance of {$2100.00} is due in full or they will charge me a high interest rate and if i do not pay, it will go on my credit report.I have been a loyal customer with an excellent payment history.I feel like i am being taken advantage off. please help. I have attached all documents that were required and they are still not crediting my account. i have attached the documents so you can see. i thought this was a clean cut case since i have all the documentation so why will American express not refund my card!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-01-31
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 status incorrect

Complaint:
XX/XX/2018 Good Morning, this letter is in regards to my accounts that are paid off. I would like this information to be updated on all of my credit reports. All account should state paid in full with a positive history of payment. Please see attached proof of payment and positive payment history. 

The correct information is with XXXX -- -- Paid in full XXXX -- -Paid in full XXXX -- -Paid in full Thanks 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 2018-05-01
Company: Lending Club Corp
State: UT
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Lending Club has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-07
Company: BAM Management US Holdings Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
this happen on the XXXX exchange website binance.us on XX/XX/XXXX, I am trying to send a 2000 dollars deposit from my bank account to my binance account. 
I connect my chase account via ACH, and proceed. a minute after, I receive an email from finance stating : Your ( XXXX XXXX deposit order ( Order ID : XXXX, XXXX USD ) failed. 
Unfortunately, our system was not able to process your deposit at this time. Please try again later. 

so I take note on that and decide to send my money from my bank account to another XXXX exchange ( Coinbase ) and then send some crypto to binance. 

yet on XX/XX/XXXX, I see that bianance still proceeded and took my {$2000.00} out of my account putting me a negative balance since I already sent to Coinbase {$1000.00} after binance told me it failed.

so I dispute the charge with my bank to be able to have money on my account and because Binance emailed me saying that the transfer didn't work.

I couldn't even put back my money from Coinbase because there's a waiting period before to be able to take the money back. 

on XX/XX/XXXX, Binance email me saying that I have an outstanding balance of 2000 dollars and that I need to make a deposit to get my account back. 

the only problem is that they disabled the deposit option, so I have no way of sending them the money. I have cryptocurrencies on the account that I could change in USD as well to pay the balance but they locked my trading capability as well! 
so now not only that I can not pay them, but I have no way of trading my money and could potentially lose thousands. all because of their incompetence! 

I have been emailing them everyday ever since XX/XX/XXXX without them ever replying back. I do not have access to my money when the solution is so simple here 's the ticket number which is basically the case number for the request I made # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-14
Company: CIT BANK, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage lender CIT bank has been charging me for extra for home insurance even though I've had home insurance this whole time. Since XXXX they have deducted {$550.00} every month, even though they had all the paper work proving that I have home insurance. I noticed this in a few months later and spoke to a representative. They said they would fix the problem since it was there mistake and issue me a refund. They have still yet to do that. They continue to charge me {$550.00} every month and haven't sent me back the refund. Every time I call them they blame the person I spoke with prior and promise to issue the refund but never do. 
I'm at my wits end because I don't know who to contact to report this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-22
Company: Experian Information Solutions Inc.
State: FL
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: Problem getting your free annual credit report

Complaint:
REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as Free Annual Credit Report, XXXX  XXXX  and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either Experian, XXXX XXXX or XXXX  respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary XXXX  score has gone too far, including but not limited to Experian Boost. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07
Company: Experian Information Solutions Inc.
State: CA
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 are 9 accounts on my credit report that do not belong to me I am a victim of identity theft and I have opened an FTC I have a notarized affidavit for identity theft I have been disputing these since XX/XX/XXXX and nothing is being done about it I need help. 

XXXX XXXX XXXX XXXX - Acct # XXXX balance {$0.00} XXXX XXXX XXXX XXXX - Acct # XXXX balance {$0.00} XXXX XXXX - Acct # XXXX balance {$8400.00} XXXX XXXX - Acct # XXXX balance {$0.00} XXXX XXXX XXXX - Acct # XXXX balance {$0.00} XXXX XXXX XXXX - Acct # XXXX balance {$0.00} XXXX XXXX - Acct # XXXX balance {$19000.00} XXXX XXXX  - Acct # XXXX balance {$1800.00} XXXX XXXX XXXX - Acct # XXXX balance {$0.00} INQUIRIES XXXX XXXX XXXX - Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX - Inquiry date : XX/XX/XXXX XXXX9

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 2018-07-05
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:
XXXX shows an account open in the my name. I did not open this account. I have told credit reporting agencies this several times. They always come back and say it is mine. I would never open a XXXX account. I would like this resolved as soon as possible, because this is not mine. I fear someone is trying to use my name for fraud. While there are no charges owing on it now, I would like to get this straightened as soon as possible, before charges are accrued. Please take care of this, as I'm innocent person who did not open this account. I am in the process of buying a home, building a better and stronger credit, and I do not need this on my credit. If it was mine. I would accept that. It is not, and this is unfair, and illegal. No proof has ever been presented to me, that this is my account, when I know it is not. That is why there is no proof.

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 2020-08-22
Company: WELLS FARGO & COMPANY
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Wells Fargo is trying to liquidate my home and not help me because of their own self inflicted financial problems. WELLS FARGO MUST RE-INSTATE MY MORTGAGE. THIS ARTICLE IS EVIDENCE THAT THEY NEED TO LIQUIDATE ME AND NOT HELP ME. THIS ARTICLE APPEARS ON LINE TODAY XX/XX/2020 IS EVIDENCE THAT THEY ARE IN TROUBLE. THEY MUST PROVIDE ME WITH A SOLUTION XXXX XXXX Wells Fargo cuts jobs as the pandemic and penalties for past scandals take their toll XXXX XXXX XXXX hrs ago Inside XXXX XXXX, XXXX XXXX Virtual Hearing : What We Learned XXXX XXXX 's son, daughter die weeks apart XXXX logoWells Fargo cuts jobs as the pandemic and penalties for past scandals take their toll Wells Fargo is resuming layoffs, as the beleaguered bank looks to cut costs to cope with the coronavirus pandemic and long-running regulatory issues that have hampered its growth. 
Wells Fargo has set aside billions of dollars to account for loan losses exacerbated by COVID-19s toll on the U.S. economy. Additionally, the bank is constrained by a {$2.00} XXXX asset cap imposed on it by the Federal Reserve. That asset cap was imposed as punishment for a wide range of misbehavior that emerged at the bank in the late XXXX, most notably a scandal in which employees opened hundreds of thousands of fake credit card and deposit accounts in customers names. 

The asset cap has hindered Wells Fargos ability to keep up with its competitors among major banks. Most recently, the bank has had to sell hundreds of millions of dollars in assets to stay under that cap even as competitors expanded their corporate lending in the coronavirus crisis. 

The latest moves come as Wells Fargo CEO XXXX XXXX looks to conclude a strategic review of the company that he launched upon joining the bank last fall.

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 2020-07-26
Company: Rocket Mortgage, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
When applying for a loan via Quicken / Rocket Mortgage, I was verbally offered a 2.8 % Mortgage Rate, with processing fees of {$1200.00} on XX/XX/2020, to finance {$260000.00} on a Condo sale of {$360000.00}. On XX/XX/2020, this offer was rescinded upon direction of XXXX XXXX, due to the location being a Condominium and all units on the property were not completed, despite my provision of a Certificate of Occupancy by the County in which the property is located, XXXX XXXX, Florida.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11
Company: Chime Financial Inc
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to send money to another person

Complaint:
I purchase something but never received the purchase I call my bank and let them know about the transaction and they were supposed to send me an email I never received the email I contact the merchant they refused to give me back my money but I never received an email from my bank still waiting for them to contact me and they never did

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
HARD INQUIRIES ON XXXX ACCOUNT : XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX REMOVE DELETE UNAUTHORIZED INQUIRES I NEVER APPLIED FOR CREDIT

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-07
Company: SYNCHRONY FINANCIAL
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
So I get this lady pounding on my door so I didnt answer it. The. 5 minutes later pounding again so I opened and said hello she attempted to hand me some papers dropped them and said are you mr blank blank and was gone before I could say a thing so I picked papers up off the ground and apparently they are suing me for XXXX and I must show up before the XXXX. Th in this court Im so lost and have no idea what is going on I know there was a debt I dont believe the amount is correct but I have no clue who the lady was and to be repeatedly pounding on my apartment door at XXXX then again at XXXX is ridiculous. Then drop the papers and run away.

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 2020-07-26
Company: GOLDMAN SACHS BANK USA
State: IL
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My XXXX  XXXX submitted my payroll 14 to enter my account by the XXXX. My paycheck never arrived to my account. My bank delayed and never processed the check.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 are 9 accounts on my credit report that do not belong to me I am a victim of identity theft and I have opened an FTC I have a notarized affidavit for identity theft I have been disputing these since XX/XX/XXXX and nothing is being done about it I need help. 

XXXX XXXX XXXX XXXX - Acct # XXXX balance {$0.00} XXXX XXXX XXXX XXXX - Acct # XXXX balance {$0.00} XXXX XXXX - Acct # XXXX balance {$8400.00} XXXX XXXX - Acct # XXXX balance {$0.00} XXXX XXXX XXXX - Acct # XXXX balance {$0.00} XXXX XXXX XXXX - Acct # XXXX balance {$0.00} XXXX XXXX - Acct # XXXX balance {$19000.00} XXXX XXXX - Acct # XXXX balance {$1800.00} XXXX XXXX XXXX - Acct # XXXX balance {$0.00} INQUIRIES XXXX XXXXXXXX XXXX - Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX - Inquiry date : XX/XX/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 2020-05-26
Company: Experian Information Solutions Inc.
State: AR
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 have the XXXX XXXX app to keep track of my scores. I recently logged on and saw 2 unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my report. XXXX XXXX {$3500.00} XXXX XXXX {$6000.00} DEPTOFEDUCATIONXXXX   XXXX {$3500.00} DEPOFED XXXX XXXX XXXX {$3500.00}

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