BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-11-16
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 have asked Transunion to update my file many times this year to remove the multiple names they have listed for me, just written differently. To remove all unauthorized hard inquires, and any collections they have. I also sent out a letter requesting this information on XX/XX/XXXX and it is now XX/XX/XXXX and Transunion has not responded. According to the FDCPA a creditor has 30 days to respond or everything asked on the letter should be removed. 
I would like them to only have 2 names which one is my maiden name and the other is my name though marriage, there is no need to have 8 different names of the same name just written in different order. 
Please update my name to XXXX XXXX XXXX and XXXX XXXX XXXX XXXX My current and only address need to be showing XXXX XXXX XXXX , XXXX NC 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 2017-11-16
Company: BOK FINANCIAL CORP
State: OK
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On XXXX XXXX, XXXX, XXXX and XXXX XXXX noticed fraudulent charges on their Bank of Oklahoma checking account. Bank of Oklahoma resolved this issue quickly. On XXXX XXXX, XXXX, there were additional fraudulent charges. The fraudulent charges continue to rack up along with overdraft charges in the amount of {$32.00} five times a day. This has caused our account to be negative. When we tried to dispute the charges and resolve the issue, one of the steps we took was to close the account ( we thought ) and open a new checking account still with Bank of Oklahoma. We were told the dispute would be resolved within two days. This was hardly the case, as two weeks later we had to visit a physical branch location once again to resolve the problem. 
We have been loyal customers for over five years, but this loyalty was not returned with the superior customer service that they claim in all advertisements and branches. We went to the bank at XXXX and XXXX to try and once again resolve the open issues. XXXX spoke with the branch manager XXXX and five separate individuals in the fraud department to attempt resolution. XXXX XXXX, the fraud department head, informed us that Bank of Oklahoma believes that XXXX not only made the charges herself but that she is attempting to extort this money from Bank of Oklahoma. 
Additionally, when the new account was opened, XXXX, a bank worker, wrote the pin down on a post-it note and stuck it to the paperwork given back to XXXX. This is apparently against bank policy as when this was told to XXXX she shook her head as if this was impossible. 
XXXX informed XXXX and XXXX that not one of the disputes would be resolved and that they would be leaving the bank with nothing but accusations. This failure to assist a customer in their greatest time of need is nothing short of astounding.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18
Company: GOLDMAN SACHS BANK USA
State: FL
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 have informed apple credit card that XXXX XXXX XXXX charged {$960.00}. 16 me to fix m car light system but they never fixed the issue and the workshop technician wrote that in a report. Then it was fixed in another work shop for only {$150.00}.

The workshop refused to refund me and the bank took 2 months investigation then sent an email that it was resolved to my favor two days later another email came and said it wasnt solved to my favor!!.

I asked to reopen the dispute the kept ignoring my request and after two or 3 months they agreed then a week later, replied that they need a third opinion- which is impossible because there is no means to get the light defect back again and see what the workshop did in my car- the report from the workshop proves in writing that the defect was never fixed and they tried to balm an accident which is a year old to cover up their stealing. I send my bank the report from the second workshop that fixed the defect and they refused to accept it. 
This is not a small amount of money plus the money I paid for rent the car while they kept in the workshop that made me pay for a service that I never received.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18
Company: CORELOGIC INC
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We have a mortgage and escrow  account with XXXX Bank, we currently have a complaint with them too for this same issue. XXXX failed to pay our property taxes in XXXX of XXXX I did not find this out until XXXX of XXXX when I received a notice from my county that my property taxes had not been paid for the year. I called XXXX to see what the deal was and they paid them, not the two payments that were due, but 4 payments on XX/XX/2021, 2 payments on XX/XX/2021 and another on XX/XX/XXXX. I called to ask them why they made two additional payments and they said they would fix it. Instead they made two more payments on XX/XX/2021. We have received 3 refunds, one on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. We have been trying to get our last refund since. They owe XXXX {$920.00}. After talked to many different people and managers at XXXX I was told that they go through a processing center called Core Logic and the reason we hadnt received our refund is because Core Logic has not processed the refund. We have not way to contact Core Logic and were told by XXXX that they will not talk to us because we are not the client. This complaint is about Core Logic and them holding our escrow money XXXX. I believe this is a plow to increase our mortgage payment because after all of XXXX mistakes they overdrew our escrow account and now our mortgage payment is inflated and not what we had originally agreed to. Please help us get our money back from both XXXX and Core Logic.

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 2018-01-26
Company: AR Resources, Inc.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have know knowledge of this company. I have never had an account with this company. This is on my credit report fraudulently AR RESOURCES INC XXXX XXXX XXXX XXXX, PA XXXX XX/XX/2015  {$680.00} {$1000.00} {$680.00} 3 accounts and amounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/2015 {$650.00} 1 account and amount

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
on XX/XX/2021 I have recently reviewed my credit report and notice there are items reporting that I have no knowledge of, I never had any consumer transaction, credit extended, or authorized doing any business with the companies, as a matter of fact, I was never notified that these items were going to appear on my credit report, I have sent you a letter of my concern of the misleading, untrue, inaccurate and unproven items on my credit report but I have not received a response for you yet, I'm positive this is a violation of my consumer rights

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 2020-09-16
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: Account status incorrect

Complaint:
XXXX XXXX - This account is involved in litigation. This account is being disputed for the reason previously stated.

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 2017-12-29
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 information incorrect

Complaint:
I have had my student loans through XXXX XXXX ( now " XXXX '' ) for a number of years. Unfortunately, around XXXX of 2013 and shortly before, I experienced significant financial difficulty ( to the point of almost being evicted from my abode ). I tried all options available to lower my monthly payments, deferment/forbearance, etc.. but to no avail. After speaking to a number of representatives, I was never told of the option to go on IBR ( Income Based Repayment ). I now have negative information on 2 of my accounts ( will attach ). If I was alerted as to this option a few years ago when I inquired, I would not have any late payments ( in regards to XXXX XXXX " XXXX '' ) on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14
Company: WELLS FARGO & COMPANY
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Wells Fargo Bank Abruptly and without any notifications deleted all payee account information from my corporate business checking account and has not restored any payee information for the past 2 months. 
Not only was the business account inaccessible for 3 weeks without any resolution despite repeated multi-hour phone calls, the missing payee and bill information stored in the account was promised to be restored over 3 weeks ago but nothing has been resolved. 
I am also concerned at unauthorized access to my bank accounts by both insider and outsider malicious entities at wells fargo as the missing payee history and their payments are highly confidential and proprietary to the business. The disappearance of the financial information was identical to a hack attack and wells fargo continues to deny it by admitting it was merely an error. However it is impacting business operations as well as record keeping efforts as well. 
Wells fargo employees tried to coerce me into committing illegal transactions by paying business expenses from my personal accounts instead. They also repeatedly and wilfully tried to dodge any responsibility for the account 's compromised state. I am getting repeated calls by wells fargo employees to allow them access to the compromised accounts but nothing seems to get fixed for over 2 months now.

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 2021-03-26
Company: Experian Information Solutions 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:
My XXXX account number XXXX Is showing as closed with an open balance that does not exist. This account was closed XX/XX/2020, it was a lease which was returned. Upon calling XXXX they said the mistake is at the credit bureaus side which shows a balance and it shows payments made on time after XX/XX/2020. This information is causing my home refinance not to be approved. I will hold all 3 credit bureaus responsible should my loan does not get approved. 
This account at first had a wrong late payment reported which I disputed, the late payment was removed and the after that a balance showed up on my account when there are no balances. 
Can you guys get at least one thing correct? 
The attached document is the response from the original complaint, you guys fixed one wrong information and it looks like on purpose you inserted another wrong 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 2017-11-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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: Investigation took more than 30 days

Complaint:
On XX/XX/XXXX I disputed an item on my Transunion credit report. It has an estimated completion date of XX/XX/XXXX, but as of today XX/XX/XXXX the investigation has yet to be completed by Transunion.

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 2022-02-18
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On XX/XX/XXXX I file a claim for loss of funds which were unathourized. I was told to give wells fargo 10 days for investigation then I would receive provisional credit. I was sent a replacement card which I received on XX/XX/XXXX. When I tried activating card I was told that my account wasn't available. So I immediately called Wells Fargo and brought the issue up which the representative was flabbergasted because they closed my account while having a claim open. Then he proceeded to transferring me to fraud department for claim and they assured me that everything was ok that they would help me open my account again they told me to hold on and was kept on hold for like an hour. The very next day I get an email stating that they closed my account for overdraft charges. Those over draft charges were made because of unauthorized transactions. All of this happen on the tenth day the day I was supposed to receive provisional credit. The reason why they denied my claim was because some merchant have me a refund. Then I receive a letter staying that they were going to check up on this but never received anything. Please help I'm XXXX XXXX XXXX and this is the first time this happened to me my bank account got wiped and wells Fargo literally threw me out with nothing left please help 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 2017-07-11
Company: PENNYMAC LOAN SERVICES, LLC.
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I had mailed on XX/XX/XXXX, in the amount of {$240.00}, for the house payment, without their statement and their envelope, which I had not received. Enclosed in the envelope was a note and my check number XXXX. Today, I called their call center and a XXXX indicated that my check has not been received and had the audacity to say that all of my correspondence keeps being returned from the Post Office, which is a lie! They offer no remorse. <P/>Here we go again, another game play from these people. This has been happening since, XX/XX/XXXX. No matter how nice I am to these people, they are always playing games. These employees are playing with my money and a possible foreclosure, due to their irresponsibility and failure to take action. <P/>Their business practices are not professional, nor compassionate. Their actions are not, as such, unprofessional. I have never received an apology for any of their negative comments, nor action to offer to assist me on anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: Paypal Holdings, Inc
State: KY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
The buyer XXXX sent {$200.00} u.s money to my PayPal account XX/XX/2022 for XXXX breast pump. 

I posted my breast pump through XXXX XXXX  on XX/XX/2022 XXXX messaged me on XXXX and said she was going to send payment through PayPal on XX/XX/2022 i sent the product on XX/XX/2022 and provided tracking info also she received the breast pump on XXXX.and confirmed she was happy and the pump was what she expected with no issues then contacted PayPal and told them the same and to release the payment to my PayPal balance so they did release the funds. I then tried to withdraw from PayPal balance to my debit card and they asked for more info to verify my identity so I did everything as they asked me to do with no discrepancy. And within a second or two the decision was to permanently limit my account and hold funds for 180 days I am not a business I do not own a business nor do I know anything about how it works I am a normal mother who sold her the best working breast pump I owned to help pay my rent!! I needed that pump but I also had to do what I had to do to keep a roof over my 8 childrens head! I did not expect this or I would had never done it that way! But I will not let this go un heard I will take legal action If I do not get my payment from them in the next XXXX hours and I will start a signature petition because of their unfair unexplained actions against there customers who are paying there high fees to this billion dollar company who is holding our money to collect the interest from it while we sit and stress our next gallon of gas and the next meal we can provide for our children and what bill we will pay and try to extend another to keep our homes going. This is just absolutely insane!! If u don't want my business then ok fine but you can not keep my money when the other party has confirmed they have the item and are happy theres not any reason to at that point other than you are a fraud yourself and your dead wrong!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-15
Company: Bread Financial Holdings, Inc.
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
A letter was written to the credit card company on XX/XX/2020. The credit card company acknowledged receipt of the letter but provided no other response or resolution. This complaint is to follow up on that letter and the credit card company 's lack of response and resolution. 

This BJ 's mastercard/credit card account was opened at the end of XX/XX/2020 as a result of in-store customer service prompting along with the advertised rewards for opening an account ( XXXX XXXX ). A  few weeks later, as a result of additional in-store customer service prompting along with additional advertised rewards, the account was upgraded ( XXXX XXXX ). To date, none of the advertised rewards have posted to the account. 

In addition to the above, a bill was recently received on XX/XX/2020 which suggests that the annual BJ 's membership fee that was {$25.00} per year for many years has now increased to {$110.00} per year. There is absolutely no explanation regarding this significant and substantial increase - especially during a pandemic crisis. Further, auto renewals of the BJ 's membership was never authorized. This membership has been in effect for many years and it has never been auto renewed. 

Feeling robbed, ripped off, and bamboozled.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-18
Company: WELLS FARGO & COMPANY
State: AZ
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:
I did not authorize theres hard inquiries

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 2019-05-12
Company: Paypal Holdings, Inc
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I have a financial account set up on https : //paypal.com, from Paypal Holdings Inc . I recieved a refund of XXXX USD and XXXX USD tax from an XXXX  seller. However, around that time, Paypal unnecessarily put a limit on my account. This stopped me from adding or withdrawing funds from my balance, in total XXXX USD. I spoke to Paypal customer support, who informed me that I needed to provide verification, such as my social security number or address. I do not wish to give them this information, and I want to close my Paypal account and retrieve the balance. However, they have denied me this, and will not refund the amount or return my account to its normal status.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
Last month I called to report inquiries on my credit report that weren't made by me, I was told by a Transunion rep they cant dispute inquiries online or over phone that I had to dispute them with the credit companies, so I did that each one told me I had to contact the credit agencies and dispute them with them. So I tried speaking to Transunion again and they told me I couldn't dispute them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18
Company: JPMORGAN CHASE & CO.
State: AZ
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:
i did not give authorization for theses inquires on my report

Company response to consumer: Closed with explanation