BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-12-11
Company: Early Warning Services, LLC
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
On Saturday, XX/XX/XXXX, my roommate transferred me {$2000.00} using the XXXX mobile banking app, as she had done many times before. I have a XXXX XXXX  account so the transfer should have gone through immediately, as it is supposed to. About 30 minutes after, I get a text from XXXX XXXX XXXX saying that my account will be credited this {$2000.00}. I do n't have a XXXX XXXX XXXX account so this was my first red flag. We both went into a XXXX and they said not to worry and just to wait a few days. After a few days, we contact XXXX and they say we have to contact their claims department to get the money back. My roommate does so and they deny the claim several days later, saying it went into a XXXX XXXX XXXX account and that XXXX XXXX XXXX has to do something. For the next two months, we go back and forth between XXXX XXXX XXXX and XXXX trying to get our money back. Each one blames the other and both lead us on wild goose chases through a chain of phone calls. The transfer was done using XXXX, which is a third party company that XXXX and many other banks use so we also contact them after giving up on XXXX and XXXX XXXX XXXX. Both XXXX and XXXX XXXX XXXX say this is a XXXX problem since it was done using their app and since we are both XXXX customers. XXXX refuses to handle it since they said everything was " done right on our end '', even though clearly not since both of us are out {$2000.00}!!!!!!! They say that it has something to do with my phone number and that even though I had updated it on the app, it did n't go through ( which i was NEVER made aware of! ) because it is linked to a XXXX XXXX XXXX account, even though I have had this number for over 1 year. Regardless, a bank transfer should never go through using someone 's phone number!!!! They make me think it is fraud so we go and file a police report with the XXXX XXXX Police Department who then tries to get in touch with both XXXX XXXX XXXX and XXXX. Both banks STILL wo n't cooperate even with the police! I even called the XXXX  Executive Customer Service number and submit a complaint on the XX/XX/XXXX and have yet to hear back from them. They are absolutely refusing to cooperate, even though it was their app that made us lose our money. Please help!!!!!!! XXXX is the one that facilitated this whole thing and they absolutely refuse to help us or even acknowledge the fact that we have an account with them. We have all our conversations with them saved for proof!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2023-03-28
Company: Experian Information Solutions Inc.
State: PA
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 Everything has to be 100 % accurate on my credit report. 

The Credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, the date last reported is not accurate, comments are inaccurate, amounts are inaccurate, and credit/balances amounts are inaccurate. These are grounds for removal they also violated my rights under 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 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 explanation
Consumer complaint received 2020-11-29
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: Was not notified of investigation status or results

Complaint:
I sent a letter to TransUnion on XX/XX/2020 about inaccurate and unverifiable items on my credit report. It has been almost 5 months and I have not received a response from anyone. I feel like my dispute letters are being ignored and that it does not matter and that I am being taken advantage of. In section 611 ( a ), it plainly says that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Since it has been over 60 days, these items should be deleted immediately. I demand these accounts be deleted immediately or I will file for litigation due to the stress this is causing me. I am trying to apply for a mortgage and this is preventing me from doing so.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06
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 and XX/XX/XXXX fraudulent charges were made on my Apple credit card. They were made to two different airlines XXXX XXXX XXXX 
I was In the hospital on the XXXX having XXXX XXXX and continued to be in the hospital until XXXX XXXX. 
I did file a complaint from my hospital bed having seen my latest statement and had them close the account. 
This is still ongoing I was credited back three charges but not one for {$720.00} to XXXX XXXX which they have already credited me to {$230.00} with XXXX XXXX. 
Wrote a letter in XXXX sent proof of my hospitalization phone records that I called Apple card services and requested a new card. Its almost 6 months later and they keep telling me that they are not resolving the dispute in my favor. This doesnt make any sense to me Im in battling XXXX now for nine months and havent flown in years. 
Their only response in their investigation was that they basically believe the vendor, that it was me that did the charging. 
That doesnt even make sense. I need some help with this its causing me a lot of stress and Im not I dont seem to be getting anywhere with Apple support or anybody else thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18
Company: Freedom Mortgage Company
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage
Sub-issue: Fees or costs after closing

Complaint:
I reached out by email to Freedom Mortgage loss mitigation on XX/XX/XXXX -asking to please provide a breakdown on a XXXX partial claim. 
I didnt get a response so, I called Customer Service they put in two separate request for someone in underwriting to call me- 1 call was supposed to happen on Tuesday after XXXX XXXX. The 2nd call was supposed to take place on XX/XX/XXXX I-never received a call. 
Finally I called back - talked to someone in loss mitigation-that person was still Not able to tell Me how Freedom Mortgage came up with XXXX. in the recorded call, he stated their was no breakdown spreadsheet attached??? 
The statement I received from him dated XX/XX/XXXX & XX/XX/XXXX show my outstanding principal going from XXXX down to XXXX which is a difference of $ XXXX. 
No one at FM, including my attorney can figure how they came up with XXXX! I would like to what was added up to come up this this amount. I have a closing date set for XX/XX/XXXX and this is a high amount I wasnt aware of. I did call XXXX for help but never signed a sheet that reflects XXXX. Yes some forms were sent to me XXXX but no dollar amount was on any of the forms I signed that were notarized. I never would have agreed to such a large amount without pulling out some cash or something. Please explain this XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
I submitted a previous complaint on XX/XX/2021 in regards to improper reporting and other consumer violations. I have submitted letters to the companies involved prior to that. 
The complaint was closed due to XXXX and Transunion needing " authorization/verification ''. I called the phone number provided in the response and was told to re-file my complaint. 
I will enclose the previous supporting documentation as well as the original complaint on XX/XX/2021

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 2023-09-15
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I started back to work in XXXX. I was not working from XXXX through XXXX. My first and second paycheck did not include all of my working hours and I will not get the retro pay until XXXX. My paychecks are over {$1000.00} short and I am not able to pay all of my bills at this time. We had a hurricane two weeks ago that I needed to prepare my home and family for so that was a large expense. I also did not get paid for the days we were out of work. I have 10 overdraft fees that I asked to have reversed and the bank declined the request for reversal.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-02-06
Company: Experian Information Solutions Inc.
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: Personal information incorrect

Complaint:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

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 2021-11-01
Company: Experian Information Solutions Inc.
State: CT
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:
There is an address on my Experian and XXXX XXXX Credit Report that is not mine : XXXX XXXX XXXX, XXXX CT 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 2020-10-20
Company: EQUIFAX, INC.
State: GA
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:
XX/XX/XXXX XXXX  Opened XX/XX/2019 - {$510.00} Original creditor : XX/XX/XXXX XXXX XXXX Overview You have 100 % left to pay on this collection. 

Balance {$510.00} Highest Balance {$510.00} Opened XX/XX/2019 ( 10 mos ) Account status Open Type -- Responsibility Individual Remarks Affected by natural disaster Original Creditor Name XX/XX/XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-18
Company: Village Capital & Investment LLC
State: NM
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Village Capital is re-financing my home. The current lender is XXXX XXXX. Village Capital told me not to pay my XXXX mortgage because we closed XX/XX/2020. Village Capital said my next mortgage payment would be to my new lender. XXXX called me XXXX asking about their XXXX payment. I told them I had re-financed. They knew nothing about it. I called XXXX XXXX and was told they would be making the pay off later that month. I told this to XXXX. Then in XXXX XXXX called asking me for the XXXX and XXXX payments. I called XXXX XXXX several times to get information. My calls were not returned. I am a XXXX XXXX   XXXX Veteran and I had such a severe XXXX XXXX! I XXXX   Village Capital and called and left messages at every number I could find asking for help. Finally after several days a loan officer returned my call. He explained that my original loan officer was not available and my original closing from XX/XX/2020 had not been received by them due to problems with the mail and that I'd have another closing. He said my XXXX payment to XXXX would be taken care of by Village Capital. He said he'd keep me updated and that my new closing would be this week. Today is Saturday, the end of the week and I haven't heard from him again, just that one call more than a week ago. XXXX calls me every day. They send me mail every day. My home is going into Foreclosure! I have so much XXXX   with the XXXX that I'm afraid to open the mail. I've spoken with the Dept. of Veteran Affairs and HUD. Both agencies share my concerns. I'm afraid I am being scammed because of the lack of communication and lack of follow through by Village Capital. I need a closing date. I need to know when the pay off will be made to XXXX. I need help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21
Company: JPMORGAN CHASE & CO.
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
I inadvertently made two {$1000.00} payments to Chase on my Personal Line of Credit ( 1 ) on XX/XX/2022 and the second on XX/XX/2022. When I discovered that I " double paid '' I looked up my account online and saw that one of the payments had posted to the LOC at Chase and my balance was now just over {$7200.00} ( I have a {$10000.00} limit ). 

I intended to just transfer that first {$1000.00} back to my XXXX checking account - where it was paid from, but although they had posted my payment to the principal - the DID NOT make those funds available to me. I immediately contacted Chase this morning @ XXXX and spoke to CSR : XXXX in the XXXX, and XXXX told me that " because no payment was due at the time I made the payment online through Chase, they are not releasing the credit until my next due date which is in XXXX. 

So Chase has taken ( both ) my payments but will not make those funds available to me until my next payment due date. This is very wrong. Don't I have certain rights under Regulation Z and possibly E? Crediting of payments and availability of funds on an electronic transfer? How about XXXX???? There is nothing in any disclosure that states they will not make funds available until the NEXT payment due date.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-07
Company: Resurgent Capital Services L.P.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This debt is reporting to all 3 credit bureaus and is effecting my credit. This debt is not mine. I have reported theft of my identity. I never signed a contract for this.This debt is reporting an amount of {$620.00} owed, stating it was open n XX/XX/2016

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-23
Company: WELLS FARGO & COMPANY
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I told the Wells Fargo loan officer two payments was in on the first of that month they took the car on the XXXX of that month

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 2022-10-16
Company: Experian Information Solutions Inc.
State: NC
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:
This is not a duplicate. XXXX XXXX XXXX will try and tag it as as a duplicate. 

The fair credit reporting act states that any information reported by a creditor, collection agency, furnisher, must have accurate, fair, and complete data and as you will see on the attachment there are days that arent even reported. This is in violation of law, and financial data has been warned of this violation before and it has been over 30 days with no correction.

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 2020-10-20
Company: CITIBANK, N.A.
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Citibank has taken an opening deposit of XXXX on XX/XX/2020, a mobile deposit of XXXX on XX/XX/2020, and a Payroll direct deposit on XX/XX/2020 for XXXX, now they have blocked my account and wont allow me access to the account, i have called numerous times and recorded all my call and the rep told me since i was calling they are going to hold my funds for 60 days then close the account. I called the Executive Response Unit and XXXX the case manager told me if i filed any complaints they were not going to handle my problem and forward it to legal.

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 2017-12-11
Company: SYNCHRONY FINANCIAL
State: MI
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 had a problem with XXXX/XXXX XXXX Reporting. 
I filed a complaint and have been dealing with XXXX XXXX a Senior Specialist with XXXX XXXX XXXX. ( XXXX ) XXXX. 
Several weeks ago she told me the wrong reporting to the three Credit Bureaus showing I owed a balance greater than my credit limit, would be fixed on XXXX/2017. 
I spent 3 hours on the phone with XXXX XX/X/2017 reviewing items already returned as delivered defective which I should have a store credit on to totaling close to my credit limit. I contacted XXXX XXXX to timely pay my balance off so it would properly report, they refused, so I contacted XXXX XXXX to correct this an my multiple calls have not been returned.

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 2021-11-01
Company: WELLS FARGO & COMPANY
State: DE
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Wells Fargo must supply me with a copy of a document I signed for overdraft fees. I did not voluntarily opt into overdraft fees system by default. I need evidence to support that I opted into Wells Fargo overdraft fees. I do not agree with excessive overdraft fees this bank continues to charge from me. 

I need evidence of a copy of opt in document that the bank alleges I signed to their excessive overdraft fees. This banks charges {$35.00} per dollar paid. They also choose which transactions are paid by them at their one discretion without my input or consent as a consumer, which in return harms my finances. I need proof that this bank is not just engaging in preditory banking and fees imposed on its vulnerable consumers. I need a document that shows I signed a consent to approve of their overdraft fees. I believe their overdraft fees are excess, predatory and discriminatory to minority consumers. I need a refund for fees charged because this banks has always declined to pay for certain debits in excess of {$35.00} but only pays those below {$5.00} so that they can make profits. This bank needs oversight in its abuse of low income low network customers. Fees are just too excessive. They have power to pay for certain transactions only when they know they will make profit, with no regard to negative effects on its low net worth consumers.

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 2020-02-06
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX XXXX  ran an unauthorized credit check on my credit report on XX/XX/XXXX XX/XX/XXXX. I sent a letter to Experian, XXXX  as well as XXXX XXXX XXXX  asking for removal of the unauthorized inquiry. Experian, and XXXX  said I needed to reach out to XXXX XXXX XXXX ( which I did in writing ) and the inquiries are still reporting. 

I did not apply for a line of credit from XXXX XXXX XXXX. I would like the inquires to be deleted NOW. It is against the law to run an unauthorized credit check without my permission.

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 2020-09-12
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:
I'm a victim of identity theft and just found out that a company named XXXX XXXX XXXX has been reporting this account on my credit that i never authorized. I have never given permission for them to obtain my personal information like my social security number or personal address. I have stated this to TransUnion on XX/XX/2020. I have sent them my valid FTC report as well as police report to support my request.

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