BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-27
Company: GOLDMAN SACHS BANK USA
State: CA
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, I had bought a bike for {$720.00} from Mr. XXXX online for my husband 's birthday. I received confirmation regarding the order with the promise a tracking number will be sent soon. On XX/XX/XXXX, I reached out through email regarding the charge when the order will be shipped. I received no reply. On XX/XX/XXXX, I requested the cancellation of my order, and my order to be refunded per their lack of response. I received no response and disputed the transaction on XX/XX/XXXX with Apple Card Support. 

1st dispute - I disputed the {$720.00} on my account from Mr. XXXX. I provided the information that not only did I not receive the item, but I was unable to contact the vendor through their support email, and all calls were unanswered, and my voicemails were not returned. I was told by Apple support on XX/XX/XXXX that the transaction had been resolved as " the merchant provided sufficient evidence that you made the purchase. '' 2nd dispute : After the failure of the 1st dispute, I reopened a new dispute as the issue was with not receiving the bike, not fraud on the account. The technical support representative apologized and said that the dispute was imported " wrong '' and re-entered my dispute. 

On XX/XX/XXXX, I received an email from Mr. XXXX stated my order had been canceled and refunded. I checked my account, and no refund was posted to my account. 

On XX/XX/XXXX, I received notification that the dispute was again ruled in the merchant 's favor as " the merchant provided sufficient evidence that you made the purchase. '' 3rd dispute : On XX/XX/XXXX, I disputed the transaction again and was told again that the complaint was entered " incorrectly. '' I was told to send my emails and the refund notice with the dispute for my evidence. I also double-checked with the rep. that the refund by the merchant was never posted ( it was not ). I disputed the transaction again, with the representative saying that her managers will personally track this dispute due to the many issues. 

Today, XX/XX/XXXX, I received a notification that the " Merchant provided supporting evidence or response, '' and the credit will be added to my account. I have still not received a refund for the initial purchase or any product. 

Apple card support ( Goldman Sachs ) is not resolving my disputes in good faith.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Debt settlement
Issue: Problem with customer service

Complaint:
I have a balance around {$5000.00} with capital one auto finance. I have been sending letter after letter asking to settle on an amount that I can afford. I am trying to avoid bankruptcy and COVID took a toll on my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31
Company: Experian Information Solutions Inc.
State: IL
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:
XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX {$4000.00} I filed an ftc report and spoke with the creditor and they refuse to remove it. XXXX XXXX XXXX {$2700.00} I filed an ftc report and spoke with the creditor and they refuse to remove it. XXXX  XXXX XXXX XXXX XXXX {$12000.00} I filed and ftc report and spoke with the creditor and they refuse to remove it. XXXX XXXX XXXX XXXX {$4200.00} I filed an ftc report and spoke with the creditors and they refuse to remove 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 explanation
Consumer complaint received 2019-06-19
Company: CITIBANK, N.A.
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2019 I deposited a check in my account by mistake that I had previously cashed that same day. Prior to that day I had made deposits from XXXX, XXXX and XXXX the previous week. All of my money is being held by Citibank with no resolution or release of my funds because they put a fraud freeze on my account. I explained in detail what he happened to numerous people with Citi and no one can help me. It's been 3 weeks now and they still have my money. I dont know what to  do.

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 2021-03-01
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We refinanced our mortgage with Cardinal Financial in XXXX. Since we refinanced Cardinal has not been able to pay our property taxes in a timely manner. Property Taxes are due today an no payment is scheduled by Cardinal Financial. This will be the 3rd time Cardinal Financials has paid our Property Taxes late and I now have a late payment assessed on my property. Over {$1800.00} is due today and Cardinal Financial does not show payments for property tax until XXXX and XX/XX/XXXX. We have already sent in the late payments notices to Cardinal Financial and nothing has changed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-16
Company: WELLS FARGO & COMPANY
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
This is a new complaint against Wells Fargo Bank N.A , Wells Fargo & Company , Wells Fargo Credit Card Services , Wells Fargo Collections Department , and their involved agents and/or contractors and/or consultants and/or decision makers and it is in response to the misleading and/or non-truthful information made against my person by the above defendants and/or violators of many of my rights and in violation of many laws ( I attached a copy of Wells Fargo Bank feedback in reference to CFPB complaint XXXX which I rejected it at its entirely and I reserve my rights and I reserve the right to respond herein since that feedback contained misleading and/or lies about my person ). Today XX/XX/2019. I am complaining against the ability be named as defendants . I am complaining about their almost daily violations of my rights asserted by the Privacy Act . They are using my information left and right to cover up their retaliation against my person for engaging in protected activities (I complained or reported to regulators and government  about those defendants’ involvement in possible violations of different laws and their own consent orders with the CFPB and OCC . I also complained to regulators and government about their retaliation against my person continuously to the present and other complaints against them were made by my person and all were made with good faith and to defend the public interest first from their greed and corruption ...etc). All what stated in the attached file is rejected at its entirely and they are noticed of my rejection again via the CFPB . Your cover up tools, harassments, involving agents , lies and so many other criminal activities that you continuing to do against me will all fail so you be assured of that . Your Violations against me have serious legal consequences and you will be held accountable for them following role of law which I believe you are not following and your money , your connections , your illusive power will fail front of the role of law and the Constitution and the public and God is with me until you are defeated in a court of law. Keeping your provocations against me will not succeed. I reserve all my rights including the right to sue the violators . All stated herein is to my current state’s belief ,knowledge, and understanding and it is all subject to any correction or any change of any kind by my person or my representative or legal counsel and  at any time and without waiving my rights . Thank you ,Today XX/XX/2019.

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 2018-12-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
The information on my credit report in regards to my Bankruptcy is inaccurate. I had a conversion from a Ch.XXXX to a Ch.XXXX. The date of the completion of that conversion is inaccurate. That date is XX/XX/2018 and should rightfully include any debtors listed on my credit report before that date of XX/XX/2018.

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 2019-08-16
Company: BB&T CORPORATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
My bank, BB&T, stated that my creditor, XXXX XXXX XXXX XXXX, debited their auto draft twice. Meaning that they drafted the $XXXX  payments two times. And the second one resulted in a insufficient funds draft that cost me $XXXX. BB&T has refunded the $XXXX, but has continued to state that XXXX XXXX  has received their payment. I called XXXX XXXX, for the second time this week, and confirmed that they have not received a payment. I asked BB&T why my online record does not reflect what they are stating and they said I have to go to a local branch to see the draft. I asked them, why? It is my account and if this charge has cleared then it should show that. I was given no answer to the question. This is not the first time I have had this issue with BB&T.XX/XX/19: Posted Balance $XXXXXX/XX/19: XXXX  charge -$XXXXXX/XX/19: Posted Balance: $XXXXXX/XX/19: Refund to XXXX +$XXXX:XX/XX/19: Returned Item Fee: -$XXXXXX/XX/19: Posted Balance: $ XXXXXX/XX/19: Deposit Transfer:+$XXXXXX/XX/19: Deposit Transfer:+$XXXXXX/XX/19: Posted Balance $XXXXXX/XX/19: XXXX - $XXXXXX/XX/19: XXXX - $XXXXXX/XX/19: Posted Balance $XXXXXX/XX/19: Reversal of returned item fee: +$XXXXXX/XX/19:  Posted Balance $XXXXIf XXXX  has received their payment why does their system still reflect our payment as late and why hasn't BB&T deducted their payment from 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 2023-09-21
Company: Maximus Education, LLC dba Aidvantage
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem with your payment plan

Complaint:
Aidvantage is my new loan servicer for a parent plus loan. Their IDR plan is {$150.00} a month higher than my previous loan provider XXXX. There's no way I can afford repayment amount. It was a struggle previously ( prior to the gov't paused ). And now with the skyrocketing cost of living and exhaustion of savings I just can't afford the amount they are asking. I see no way of navigating around this to make payments. 
I'm am XXXX with a chronic illness and have other household expenses ( i.e. mortgage, car loan, other debts etc ) that prevents me from paying the full amount. My income has decrease since I retired 4 years ago, however, its not reflected in payment amount. I feel like Aidvantage is extorting money from me. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14
Company: TransferWise Ltd
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:
This is regarding TransferWise now XXXX. 

After 5 years of having an active account in good standing and with funds in multiple currencies, my account was suddenly closed because of a security breach on their end ( since they changed their name and website/app to XXXX ), my money is not being returned ( more than {$5000.00} USD in Dollars and two other currencies ) and no one from customer support is able to offer any insight or resolution into this. I've checked multiple times with my bank and there have been no refunds to my checkings account from XXXX. 

I've been dealing with this issue for almost a month now. All they have said is to open a new account and enter again all info I had on my former account. Regarding my funds, they have no idea of how much it was nor account statements, and their team only says that " it should be refunded to my bank account '' emphasis on " it should '' but they don't tell me how much or when.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23
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 previously disputed a debt fraudulently reported in my credit reports in an attempt to extort money from me. I provided supporting information, and XXXX  only notated my credit report stating I dispute the charges. I don't want a remark on my credit reports ; I need the matter fixed. XXXX XXXX XXXX ignored my disputes and reported this fraudulent debt to my credit report. I sent certified mail letters to them, disputing and stating the facts. They never answered my letters. Now I am having financial problems due to the pandemic of the Covid-19. I have lost my employment, and no one wants to loan me money due to this reporting on my credit reports. Please, I am pleading for you to review the letters I have sent to them in the past where I disputed, and they still reported these fraudulent charges to my credit report.

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 2021-02-25
Company: TransferWise Ltd
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
A company called Transferwise we're meant to send my funds to my XXXX bank account. They promised this would take 48 hours. The money is coming from my personal US account to my personal XXXX account which I use for a vacation property. They now have taken over 3 weeks and their customer service is giving me the runaround. They're blaming a 3rd party bank. My relationship is with Transferwise, not a 3rd party - they need to refund me but are making all types of excuses. Their customer service is non-responsive and only answer when you complain when they do answer they say " we have no update ''. My contract is with Transferwise, not the 3rd party they promised me funds in 48 hours. 

My health and business are suffering and my staff had to be paid late. It is over $ XXXX USD. 

I am not the only person who has issues with this company, I have met 100 's of customers over the past few weeks who have had similar experiences, some peop [ le have waited over 6 months for a refund. I have reason to believe this company is committing fraud and using our funds as operating expenses, they recently started to file an IPO. Please help before any more innocent people lose their money from this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
I had an account in 2010 with fifth third bank. In Now over 10 years began receiving harassing calls from company XXXX  stating they just received collection account and submitting lawsuit against me for over {$3000.00}. I was in the XXXX XXXX XXXX XXXX, asked them to stop contacting me as I have never heard of them. They began calling my relatives 3 and 4 times a day, continued contacting me from different numbers. When I asked what the matter was, rep said it was from 2010 account with fifth third bank. I have never received correspondence from anyone stating I owed money. Contacted the branch, they stating they can not do anything as the account is so old they no longer have record of. The account was closed in XX/XX/2010. My credit has never been reported by any company claiming I owed the debt. Again the account was closed. I recall being a class action for the bank at one point as well. They continue to call from XXXX or XXXX area codes or toll free. No prior notice has ever been received previously. As stated above, account was closed over 10 years ago!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction.

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 2021-07-19
Company: BHA Services
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
BHA Services calls numerous times daily using untraceable spoof numbers. In addition to the hundreds of calls they text and leave voice messages. The person who usually calls is named XXXX ; another caller said " This is XXXX. They always call from different phone numbers located in various states. 

One recent call on XX/XX/2021 was received at XXXX XXXX  from XXXX ( not a real # ) XXXX XXXX left a message to call him at XXXX. This is not the first call received from him before XXXX XXXX  or after XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-16
Company: Avadyne Health Holdings, Inc
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
H&R accounts was contacted for a bill of $XXXX that XXXX XXXX XXXX XXXX XXXX   says I owe.Statement date:XX/XX/2019, that they mailed to me on behalf of them. With this bill I cannot read the bottom of the paper as it is too small to see to what number to call. But I called XXXX  and made a payment today on this amount oweing.  At the Emergency room I agreed Agreed to make monthly payments as I had a part time job AT THE TIME, but there was no set amount.  I do have existing medical coverage with my husband's employer XXXX XXXX, and did then.  There was no set date for the monthly payment as it was not offered to me before  I left the hospital that I remember as I was being treated for XXXX XXXX and was trying to keep from passing out.I have a job at XXXX XXXX XXXX XXXX XXXX  and make more money with more consistent hours. I have made a payment today for XXXX XXXX XXXX. I received this collections statement unduly to me as I was unaware that a specific day of the month needed to be made. I am on XXXX DAILY now as I had to get a family Dr. And I'm trying to get better . ALSO I was charged from XXXX XXXX XXXX   their expensive room E.R. without me knowing it until after the fact.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19
Company: JPMORGAN CHASE & CO.
State: HI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My original lender WAMU declared bankruptcy and Chase bank took over the note.

They started to change the terms of the note and were also demanding I obtain Hurricane insurance and a very high price. ( My note with WAMU only required wind and storm insurance ) Therefore they were changing the terms of the note that they took over, which is illegal. So I joined a multi-plaintiff lawsuit, just asking to prove they own my note and weather or not they can make changes to it. When I joined the lawsuit, I was never behind in my payments, nor was I ever late on any payments. When I went to make my next payment, Chase turned of my web portal, where I paid from, and stopped sending me my statements. We demanded that they turn back on the web portal and send me statements so I can continue paying, but they ignored it and never sent me a statement again for a few years. I have certified and registered letters stating that I did not want to fall behind and that I was not behind and that this would cause me extreme undue harm. We even have emails from my attorney to theirs, telling them that this was illegal, but they ignored them. This is the definition predatory lending if there ever was one. Well now it has been 10 years and they have piled on all kinds of crazy late fee 's, bogus charges, etc,, I WAS NEVER LATE! Please help me. All of this is on record and in writing.

Company response to consumer: Closed with explanation