BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-11
Company: GOLDMAN SACHS BANK USA
State: NY
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 set up web based automatic payments to pay my STATEMENT balance each month. My XXXX payment was scheduled to be {$1200.00}, the bank only applied {$1100.00}, the {$36.00} was a refund during the following statement period and should of been applied to the next statement balance, like every other bank does. 

I opened a ticket with them XXXX but they never responded or resolved my issue

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-10
Company: SYNCHRONY FINANCIAL
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: Credit inquiries on your report that you don't recognize

Complaint:
Been replying to these companies for quite some time. I 've sent in my credit report have n't receive anything or heard from them. They are still on my XXXX credit report. No i did not apply for car ( i do not own any drivers license ) nor did i co sign.

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 2019-07-28
Company: WELLS FARGO & COMPANY
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 disputed a charge on my Wells Fargo account. 

I had ordered a pair of shoes and I never received them. 

I received an email from Wells Fargo asking me to indicate the type, size, quantity and brand of shoes that I ordered. 

I have never been asked to provide this information for any other dispute with any other credit card company. 

All that is required is that I state that I was charged for the product and that I have not received it. 

A temporary credit is also normally immediately issued, but not in this case. 

Furthermore, a XXXX search of the company involved will reveal a history of problems.

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 2022-01-08
Company: The CMI Group, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
CREDIT MANAGEMENT is ruining my credit trying to collect a debt for XXXX that does NOT belong to me. It's not my name nor my address on the debt. Someone used my social security number for the debt that is NOT mine. This debt for {$890.00} does not belong to me. I did not open this account with XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-17
Company: Delta Outsource Group, Inc.
State: AR
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
XX/XX/2019, was called by someone from Delta Outsource Group. I asked this person to identify his company and he refused to identify his company claiming he had a " business matter. '' During this conversation this person was extremely rude, using a threatening tone against me. I asked if his company had a website. This person said that his company did not have a website. I asked if I could make payment arrangements online. He said that while other companies had an ability to take online payments, Delta Outsource Group did not. When asked who do I talk to about making payment arrangments he said to contact XXXX County Courts. When I asked why am I talking to him, he could not say. He then referred me to XXXX XXXX Collection Manager. I asked Mr. XXXX if they had a website, he said they did. I asked Mr. XXXX if they have the means to make payment arrangments online. He said they did. I asked Mr. XXXX to send me proof that Delta Outsource was a legitimate company, which he did. I stated that the first collection agent had lied to me repeatedly and his company should take action.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-17
Company: Penn Credit Corporation
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I called this company to get information as to why they are reporting on my credit report. they could not give me an answer but simply mailed me a letter to my home address. I have never done business with the company when I called I asked for proof of what I owe. the letter has none of such. 

the only specification is delinquent utility bill from XX/XX/14- I have not had a utility bill in my name in 2014. 

I attached a copy of the letter and my tax return to show proof of my address

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-17
Company: WELLS FARGO & COMPANY
State: PA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
I as many times since XX/XX/XXXX to today XX/XX/XXXX asking for modification for my mortgage but the answers its bogs lol this time the reason is as the letter on the attachments, after carefully reviewing the info ... ... ... ... ... ... ..still do not meet the requirements for the loan modification, but the different this time did not add the reason in the decline later, because, this time i flow all the requirement as book, they have no reason at all to decline, i been told on the phone and i asked for the recording copy ( declined this request too ) the property is vacant, i send fax of my driver license and car registration and electric and gas bill for this property, LOL still decline. I START TO SEE CLEAR THE SITUATION IS XXXX AND HARASSMENT TO PUSH ME TO DO SHORT SALE TO GET READ OFF THIS MORTGAGE. I think not the time yet to get you to curt i will in the right time. 

Notes I didn't hide any info in the letter because i like people see the truth.

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 2018-01-10
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I had 2 mortgages for One property in XXXX XXXX XXXX XXXX, XXXX XXXX PR XXXX, with XXXX Bank ( located in XXXX XXXX Puerto Rico ) and XXXX Bank agreed to a Voluntary Surrender ( instead of Foreclosure ) of my property. I have all the communication with the representatives from XXXX Bank working my Voluntary Surrender from XXXX. XXXX Bank went bankrupt and now XXXX XXXX is claiming that I owe them that second mortgage, but the property is no longer mine. I Signed my Mortgage Agreement with XXXX Bank ( not with XXXX - I never made an Agreement nor signed any document with XXXX ). I am requesting a thorough Fraud investigation of this fraudulent transaction and requesting to delete it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-28
Company: PENTAGON FEDERAL CREDIT UNION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
PenFed has violated the Dodd-Frank Wall Street Reform and Consumer Credit Protection Act. I emailed PenFed on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and asked for my account to be unblocked. I sent in my California Driver 's license, my birth certificate, my XXXX XXXX XXXX phone bill yet PenFed continues to block my account and not provide me with my statement. PenFed demanded that I provide a copy of my social security card and I told PenFed my social security card is for social security purposes and not identification purposes, in addition, I do not trust PenFed with a copy of my social security card and told them criminals can use it steal my identity, open bank accounts and credit cards or apply for a loan or carry out other illegal activities without my knowledge. I told them the documentation provided should have been enough to identify me. PenFed continues to block my account and not provide me with my statements. After my complaint about unfair and deceptive practices was submitted to everyone, I knew I would be retaliated against. I also signed up for automatic payments so that the minimum payment would be deducted from my XXXX account however PenFed cancelled the automatic payments without my authorization and without notifying me. I then emailed PenFed on the XX/XX/XXXX and told " Due to PenFeds unfair and deceptive practices, close my checking and credit cards ending XXXX and XXXX. You also purposefully kept my statements from me each month then stated I was late to the bureaus. I don't want to do business with a discriminatory, unjust company- close all my accounts with PenFed. ''

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 2021-04-14
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
XX/XX/2021 : Account closing XXXX XXXX frozen ) PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. we find this behavior unfair, which is causing enormous economic and moral damage to me and to my company My email linked to my PayPal is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-17
Company: Navient Solutions, LLC.
State: DC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
NAVIENT is intentionally delaying the approval of income-based payment plan application forcing me to repeatedly ask for administrative forbearance. 

After submitting my application electronically in XX/XX/2019 I was asked to provide proof of income which I did in XXXX. Then I was told it was missing a date which I included and resubmitted. After this was called several times to check on the status and I was told to just wait and that the proof of income I provided was sufficient. When I called today, XX/XX/2019 -- only four days away from the due date of an over {$600.00} payment ( which I can NOT pay ), they told me that I have to submit a signed letter stating my gross monthly income. The proof of income I previously submitted already has that information yet they ask for a letter and offer to push to payment due date or put me in forbearance for a third or fourth time. Even if I send in this letter, the processing time is 17 days which means it would be far beyond the payment due date by the time it is processed even if it is accepted. They did not ask me for a letter the previous two times and waited until I had no time left to force my hand into forbearance or a missed payment. 

I asked them where I can file a complaint but said there is no phone number for such a service. I also look online but no such page exists on their site.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14
Company: CL Holdings LLC
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
The company has sent me a letter for collections of an account that I do not know. The guy they say is on the associated # I do not know. They have failed to cooperate

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 accounts have violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 also states a consumer reporting agency can not furnish an account without my written instructions.

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 2021-09-11
Company: BARCLAYS BANK DELAWARE
State: IA
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:
Barclays continues to share my account information with an unauthorized person. I have attempted to contacted Barclays on many occasions by phone and they either never answer or they place me on hold for hours. I have written them and previously filed a complaint with your offices. Nothing seems to work. Please help. My correct phone number is XXXX XXXX XXXX. My correct email address is XXXX. My mailing address is XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX Iowa XXXX XXXX 

Barclays previous wrote me denying my request to change my phone 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 2019-04-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
Transunion is reporting incorrectly that I am 30 days past due on XXXX partial account numbers XXXX ; XXXX and XXXX. ( Please see pages 14 and 15 of the attached credit report. )  These accounts report a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.

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 2019-07-28
Company: SYNCHRONY FINANCIAL
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: Card was charged for something you did not purchase with the card

Complaint:
My pay pal account was hacked by a developer who I asked to make me an app. They asked for so many credentials to use for the development of the app and pay pal was used to receive payments. However they used my pay pal account to make A lot of transaction, and changed my password. First transaction was on XX/XX/XXXX for {$1800.00}, seconds was XX/XX/XXXX for {$990.00}, third was XX/XX/XXXX for {$870.00}, fourth was XX/XX/XXXX for {$1000.00}, fifth was on XX/XX/XXXX for {$870.00}. The first 3 transactions were done more than 6 months ago so I couldnt dispute with pay pal but i did with my credit card provider. I called pay pal after they declined my case as I didnt receive any items. They refused to help and told me to contact the credit card provider. So I did and put a claim on the fraudulent transactions. Still waiting for results because they wont refund anything until 6 months of investigation has passed.

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 2017-09-25
Company: The CMI Group, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX I noticed on my XXXX account that there is a debt collection account opened against my name. The claiming creditor is XXXX and the debt collection company is creditmanagementonline.com. The claimed amount is {$180.00}. Shocked by the claim as I had closed XXXX account on XX/XX/XXXX this year with {$0.00} balance and no equipment of company in my custody, I rushed to call the collection company. Provided them supporting documents for the payments I have made. Confirmed I never received any bill ( I had subscribed to email billing and online payment system! ) and requested the collection company to either produce satisfactory bills or remove this from my account. Until today I have not heard anything from collection company. I have also disputed this on XXXX.
Below is summary of payment and the closed account : 1 ) I opened account with XXXX XXXX XXXX activating it on XX/XX/XXXX. Paid {$88.00} which includes the first month 's advance payment and other amounts 2 ) Returned back XXXX 's wifi modem within the first month and they removed monthly $ XXXX charges from my monthly payment 3 ) My monthly payment was $ XXXX and increased to $ XXXX for the last month ( XX/XX/XXXX-XX/XX/XXXX ) when I switched to XXXX. Confirmed over phone with XXXX rep that I owe {$0.00}. And for me this was end of it.
4 ) XXXX  never sent me email for any other owed amount ( which was method of my billing ). XXXX never sent me invoice though they kept sending me promotional offer to my mailing address. My address never changed.
5 ) The claimed amount does not match anything. I have Credit Card payment track for all the months from XX/XX/XXXX to XX/XX/XXXX. Attaching screenshots of first and last payment as proof.
I feel that XXXX has very unfairly treated me with their claim. They have hurt my credit history with derogatory remark. Up until now, I have not received any written notice from XXXX or Collection company but on my own initiative I am trying to follow up for their mistake and ignorance and therefore filing this complaint.
Thank you in advance!
XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-10
Company: GOLDMAN SACHS BANK USA
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I am writing to you to determine whether my mortgage situation with Goldman Sachs falls under the purview of the XXXX XXXX XXXX. 

In XXXX XXXX, I refinanced my home with XXXX XXXX XXXX Mortgage. Six months after the refinance was finalized, my loan was sold to Goldman Sachs. XXXX XXXX has admitted the selling of loans during that time was a regular occurrence. XXXX XXXX continues service my loan. I can assume that based on possible redlining, my mortgage would fall under the subprime category and would have been attractive to Goldman Sachs.

The Statement of Fact from the DOJ settlement, states, For principal transactions, Goldman purchased groups or pools of loans from third parties prior to securitization. XXXX bought pools of mortgage loans from numerous lending institutions, or originators. These originators included XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, and others. Goldman acquired the loans through two primary channels : ( 1 ) bulk purchases of large portfolios of loans, and ( 2 ) acquisitions of smaller volumes of loans through Goldmans conduit program. 

The loan originators identified are those banks would later become major suspects in the home mortgage crisis. Although not named, Im pretty sure that loans from my lender XXXX XXXX were included in the Pool. 

I have confirmed with XXXX XXXX that Goldman Sachs is the primary investor on my mortgage. I have tried unsuccessfully ( in prior years ) to locate anyone within Goldman Sachs who was willing to discuss any type of relief for my situation. 

My property is distressed and underwater. During the height of the crisis, the foreclosure rate in my community was astronomical. Yet, I endured. My property value slide from a f $ XXXX to $ XXXX in the matter of a few years. However, I faithfully paid my mortgage on time. I believe that I am too impacted as a result of my relationship with Goldman Sachs.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-28
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
Well after 2 plus hours on the phone I have been hung up on. I haven't been able to get any card, loan, eat. In my name says that my info doesn't match what is on file.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-28
Company: EQUIFAX, INC.
State: NV
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 recently filed a complaint with the XXXX and Nevada State Attorney General and soon with California XXXX XXXX XXXX for a audit to pull the funding packet for the XXXX XXXX XXXX  that was financed by XXXX XXXX XXXX. But the income reported by the dealership XXXX XXXX was falsified. They changed my income without my knowledge. And I have asked for the information given to the financed company. Surely this dealership couldnt have given XXXX XXXX any documents that show my income was XXXX because it is not. I sent XXXX XXXX proof of my income, bank statement, and letter of award from SSA. And I still havent received any correspondence from XXXX as per my request to provide me with the proof of income provided from the dealership. As far as the dealership, they know they falsified documents to get me financed. I sent XXXX XXXX a certified letter requesting proof of income. They sent over a typed credit application stating I signed it. However, I filled out my application with a pen. They sent me a typed application. Which they had to do another application to submit to the financed company with the fraudulent income they reported. Why would I report i earn more and cant prove it. I need my funding packet from XXXX XXXX XXXX showing proof of income.

Company response to consumer: Closed with explanation