BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-20
Company: AMERICAN EXPRESS COMPANY
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Problem with direct deposit

Complaint:
Since XX/XX/2020 I have been trying to access my account through American Express Serve! I received my unemployment deposit into my account and immediately after that there were two transactions that were made without my approval ( I did not make these transactions ). I called the company numerous times. I finally got in contact with someone and told them about these unauthorized transactions, while I was in the phone the customer service representative proceeded to tell me that there was a different email address ( not my primary email that I registered with ) on my account! Meanwhile Im on the phone ..whoever hacked into my account kept changing my password and email and spending money at XXXX XXXX in New Jersey ( I live in Georgia & never been to New Jersey a day in my life ). I had to change my password and account 6 times!!! After my conversation with the customer representative he told me that he changed my email back to the original one and was going to forward me to the fraud department so I could report the fraud purchases. I was literally on the phone waiting to talk to someone for 6 whole hours!!! No one picked up. Ive been calling everyday since then and no one picks up. Ive also been trying to log into my account since then and I cant login. Every time I try to reset my password it wont allow me to and I have no idea what is going on with my account! I am also unable to use my card anywhere!!! I have a business to run and a family to feed and this is REALLLLLLLYYYY making me upset! How is that something is going on with this system and theres no communication as to where my money is or whats going on with my account!! I need answer FAST

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
XX/XX/16 received email stating my credit line was approved with bank of america. I did not open an account tried multiple time to contact with company- called back 4 times traansfered multiple times with no luck

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 2020-03-09
Company: AES/PHEAA
State: MI
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:
One student loan is reporting THREE times with THREE different balances. I acknowledge ONE of the THREE accounts that was transferred to another company with the balance of XXXX. These other remarks with the same account number are inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-09
Company: Paypal Holdings, Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
XXXX XXXX ( PayPal name, Email : XXXX, Address : XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX, United States, Phone Number : XXXX ) bought a jacket from me and the transaction was done through PayPal on XX/XX/XXXX ( Transaction ID XXXX ). Our conversation initiated on XXXX, an online shopping app. He then asked me if I want to do the transaction on PayPal instead. The transaction was fine until XX/XX/XXXX when he issued a claim on PayPal, stating that the jacket was not as described. He wore the jacket and then resale to someone else. The next buyer found the jacket was worn and asked XXXX to return. Hence, ScottY file a claim through PayPal to return the jacket. PayPal decided to reject his claim after going through the case and details. However, they finally charged my money back because XXXX XXXX issued a dispute to his credit card bank. The bank took the money back from PayPal and PayPal had to take the money back from my account. PayPal said the only thing I can do now is to wait for the decision from the issuer 's bank or to sue him. 

I found this case a total fraud as XXXX XXXX himself was wearing the jacket after he received it from me, according to several pictures he posted on social media. Also, there can't be any damage as he described because when he posted the jacket online for sale, he said it's brand new and no damage at all. He also mentioned the Jacket is brand new with no wear and no issues. 

Please find the essential evidence of my original XXXX post, screenshots of our conversation, pictures of him wearing that jacket, screenshots of his online shop posting the jacket and PayPal solution.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-26
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have a credit card with Synchrony bank which I am using to pay for my furnace/ac installation. Payments are due the XXXX of each month. My first payment was due XX/XX/XXXX2021. 

This is my payment history : XX/XX/XXXX {$560.00} ; XX/XX/XXXX {$670.00} ; XX/XX/XXXX {$670.00} ; XX/XX/XXXX {$650.00}. Note : all of these payments are significantly higher than the amounts due. However, when I paid the XX/XX/XXXX payment I received a notice that my XXXX payment was " late ''. It clearly wasn't, as I'd made 4 payments in 3 months. When I contacted Synchrony, I was told I was charged a {$28.00} late fee because I had paid the bill EARLY and they had applied the XX/XX/XXXX payment to the " wrong month ''. Nothing in my consumer agreement penalizes me for paying my bill early. I was told that the fee would be " waived '' ( suggesting they were doing me a favor ) and that I only could get 1 " waiver '' every 12 months. I also was told that if I paid the bill early again I'd be billed a late fee again. This is fraud, plain and simple. XXXX should not be allowed to get away with this. If they're doing it to me they're doing it to everyone.

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 2022-03-16
Company: ADP Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: Payroll card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
Please help me. I have been trying to resolve a fraudulent transaction on my XXXX  account by ADP. 

My payroll check is deposited on the XXXX  card. The day of payroll my account had a transaction of {$700.00} fraudulently. 

Date of transaction : XX/XX/XXXX Amount : {$700.00} Description : account ending XXXX Here is my information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX Card number : XXXX XXXX XXXX XXXX Made several calls to XXXX  to report the issue. They have extremely long hold times in excessive of 1 hour to get a representative and then honestly there is a language barrier. Their representatives seems to have trouble with XXXX. 

I reported the dispute immediately to XXXX. They wrote me a letter denying the claim. They will only correspond on the matter via regular mail. I have written a letter back. 

I don't believe XXXX has the problem properly documented or failed to do a proper investigation. 

The money was fraudulently taken from me. And I have bills to pay like anyone else. The XXXX  card is making it impossibly difficult to get my money back on this fraud. They carry a XXXX logo on the card and would expect a higher standard associated with XXXX. These cards are supposed to help protect you from transactions as such. 

I am reporting this matter to government officials in a hope someone can help me get my money back. Please help. 

I d prefer that XXXXy card mail me a check for the amount to my address on file as I am no longer using their institution due to this matter. 

Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12
Company: AMERICAN EXPRESS COMPANY
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Account # XXXX date is continuously changed to remain on my credit longer than Fed law allows. Each time I dispute the incorrect information the company moves it out even further into the future. 
In reference to XXXX reporting : Report # XXXX shows account will be removed XX/XX/XXXX as a result of my XX/XX/XXXX dispute. 
Report # XXXX also shows XX/XX/XXXX disputed then moved date to XX/XX/XXXX Report # XXXX shows XX/XX/XXXX after dispute it was changed to XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-27
Company: SUNTRUST BANKS, INC.
State: GA
Product: Mortgage
Sub-product: Other mortgage
Issue: Application, originator, mortgage broker

Complaint:
On Wednesday, XX/XX/2015, I went to my local SunTrust Bank branch to discuss the possibility of taking out a mortgage loan to buy a house. This is the branch located at XXXX GA. I was just in my information gathering stage of my house purchasing process.

The representative I spoke with asked me for my social security number to verify my identity as I bank with them too. I explicitly told her that I do DO NOT want my credit pulled. When I'm ready to purchase a mortgage loan, I'll have my credit pulled then. However, to avoid hurting my credit scores, I XXXX checked with her that my credit would not be pulled. Rather, I was just seeking advice and information only without a credit pull. She assured me that it would not be pulled. Towards the end of our conversation, she said she'd pass my information to her loan officer and he'd be in contact with me.

Towards the end of the night, I get an email from XXXX stating that my credit had been pulled that night. All XXXX of my bureau's had been pulled by SunTrust Bank that night. The next day, I called back to the branch and spoke with the same rep. She stated that she never pulled my credit and the loan officer must have. I expressed my disapproval  as I explicitly stated that I did not want my credit pulled. She apologized and stated that she could and would easily remove the inquiry off of my credit bureaus. The SunTrust loan officer gave me a call later that day stating that he was never told to not pull my credit. I stated that I never gave any authorization to do so. He did not have much to say about the topic.

I want to emphasize that I never gave authorization, verbally or written, to have my credit pulled by SunTrust Bank or anyone else. I would like the credit inquiries on all XXXX of my bureaus removed. Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-03
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
This complaint is in reference to Equifax. On XX/XX/XXXX I submitted packets to all three credit bureaus to place credit freezes on my XXXX children. My USPS tracking number indicated Equifax received the packet on XX/XX/XXXX. On XX/XX/XXXX I called Equifax to see what was going on because I had neither received my certified mail receipt nor a confirmation letter from them that the freezes had been placed. ( I had received my letters from the other two bureaus weeks before. ) Equifax proceeded to tell me that they had not received my packets. 
I ended the call and went to the post office where a postal employee printed a confirmation of the signature they received when it was delivered to Equifax on XX/XX/XXXX. I immediately called Equifax again and tried to gain more information about where my packet may have gone and what is the standard process for mail that they receive. I spoke to a representative who could not give me any information. I asked to be transferred to a supervisor. I did not receive any information from him as well. In fact, he hung up on me. I have the phone call on video as proof. 
I would like to know where my packet is that has all the birth certificates and social security numbers of my children and myself. This is critical information and Equifax does not have a clue as to where it is at within their organization.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
One student loan is reporting THREE times with THREE different balances. I acknowledge ONE of the THREE accounts that was transferred to another company with the balance of XXXX. These other remarks with the same account number are inaccurate.

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 2020-04-20
Company: Experian Information Solutions Inc.
State: FL
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:
Since XXXX I have disputed accounts with Experian, XXXX  and XXXX. Accounts XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX have reported on my credit report. I have requested documentation from all companies listed above including all credit agencies. 

What was requested : Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me that you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : XXXX has never responded but credit agencies reposed as validated and never supplied proof which was requested. 

XXXX is now being sued by me in regards HIPPA violation and still reporting as valid with no proof from credit agencies. 

XXXX and XXXX never responded to the original letter and should have been removed after 30 days of no response. Credit agencies still report as vaild without validation. 

XXXX XXXX  has not been validated there has never been any business conducted with myself or this company and has not been validated but still reported as valid. 

The credit reporting agencies have ignored my request and have not supplied any supporting documentation that these accounts are valid.

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 2020-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Reporting company used your report improperly

Complaint:
XXXX  cease ALERT ALERT ALERT XXXX  IS GOING TO DELETE " 3 '' XXXX   XXXX XXXX 8 DIGIT ACCOUNT NUMBERS ALL THREE END IN XXXX!!!!!!! 
ALERT CFPB XXXX  HAS NEVER REPORTED THESE ACCOUNTS UNDER MY CREDIT ... THIS IS OUTRAGEOUS conduct by the TOP MAJOR # 1 CREDIT REPORTING AGENCY IN THE WORLD. CFPB SANCTION XXXX .. They continue to destroy delete change inquiries soft to hard back to hard and then change the names completely ... illegal ... ..illegal ... XXXX  YOUR COMPANY HAS CONTRIBUTED TO MY PERSONAL ASSAULT CALLED IDENTITY THEFT!!!!!!! XXXX you still have not told me who put the fraud address of XXXX XXXX XXXX on my credit so THAT I CAN STRAIGHTEN OUT XXXX  MESS ... XXXX  CEASE CEASE GIVE ME THE CORRECT ACCOUNTS SO THAT I CAN LOCATE OVER MY LIFE MILLIONS OF MY SOLELY OWNED MONIES MYSELF I just received a dispute results with a non monetary XXXX   award from XXXX. I WANT DAMAGES XXXX. 
CFPB I am asking for a damage award regarding this from the cfpb damage fund. How do I do that XXXX deleted three XXXX  XXXX XXXX accounts ending XXXX XXXX I NEED all 3 ACCOUNT file INFO ... ..INFO MY OVER 1 MILLIONS LIFE MONIES DOLLARS MIGHT BE IN THESE 3 XXXX XXXX  XXXX ACCOUNTS THAT I HAVE BEEN REQUESTING AND REPORTING SINCE IN PERSON XXXX  at XXXX XXXX XXXX XXXX  XXXX va THESE ARE NOT NUMBERS THAT ARE ORDINARY THEY ALL HAVE 8 DIGITS ENDING IN XXXX  I AM REQUESTING ALL DETAILS ON EACH OF THE FOLLOWING IMMEDIATELY AS STATED ON XXXX  DISPUTE ATTACHED XXXX XXXX XXXX Do not delete XXXX  you have never reported theses on my name no wonder I have identity theft. ALSO TRANSUNION AND XXXX  DO YOU HAVE THESE ACCOUNTS UNDER MY NAMES

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 2017-05-29
Company: Optimum Outcomes, Inc.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On  XXXX   XXXX , I paid off my balance with Optimum Outcomes , Inc . I submitted a payment in the amount of {$460.00}, of which the account  XXXX  was included. I submitted a complaint in  XXXX , at which point  Optimum Outcomes  stated, " We have received the consumer 's accounts in our system. We have no active accounts associated with the consumer 's name and phone number. All accounts have either been returned to the original creditor per their request or are at  XXXX  balances and would have already been deleted. As of  XXXX   XXXX ,  Optimum Outcomes, Inc  is still reporting this account to   XXXX   as unpaid in the amount of {$320.00}. The account was assigned to them in  XXXX   XXXX . According to  XXXX , Optimum Outcomes , Inc,  verified that the account was accurate, how could this be the case, when in  XXXX  they said my balances were  XXXX  and I paid the balance in  XXXX   XXXX ?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16
Company: EQUIFAX, INC.
State: MD
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:
Hi, I am making this complaint because there are multiple errors on my credit report I called the XXXX, Equifax, and XXXX but only XXXX was willing to help me over the phone although I mailed the dispute in they claim they did not receive it. Please help me in getting these errors removed and proper communication with these companies. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have tried over 5 years now to rebuild my credit and my name from fraud someone using my name and credit. I have called every credit bruea and debt collectors but they have not done anything about it and the debt collectors told me well its my information when i wouldn't be of age to legally use my credit or name on anything but they still took money that i have worked hard for because of someone using my information. I have called the credit bruea and they have out a freeze on my credit but it still hasn't stopped it from happening. I have been fighting for my name and credit since 2007. I cant even get approved for a Secured card because of it. Please help me. 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 2017-03-05
Company: WELLS FARGO & COMPANY
State: NJ
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
On XXXX XXXX contacted Wells Fargo Bank by phone to transfer funds from my checking account into a savings account. I was told that I could do this by phone and was transferred to an employee named XXXX in Minnesota. He read multiple disclosures and then set up the savings account. I asked the agent to link the new savings account to my existing debit card. The agent said he could but that he would have to send a new card with a chip. He confirmed that the new card would have the same number as the old card and that my card would remain active until I activated the new one. The card would be sent via mail. 
After a day of shopping and using my current debit card on XXXX XXXX I attempted to use my debit card at am ATM only to be declined. I called Wells Fargo Bank only to be further humiliated when I found out that I could no longer use my old debit card and have no access to any of my funds via my debit card until I receive the new one in the mail. Per my email from Wells Fargo the card was mailed XXXX XXXX and I should receive it in 5-7 business days. Until that time I have no access to any of my funds. Because of Wells Fargo 's inconvenient business hours, I can not utilize branches and rely on debit purchases and ATMS for cash. 

Here 's where I am now. I have no way to purchase groceries, no way to purchase gasoline for my car to go to work and {$4.00} in cash. Wells Fargo is holding my money hostage. I believe they have damaged me and that I deserve compensation. I would appreciate your assistance in this matter.

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 2017-05-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
On   XXXX   XXXX   XXXX     I filed a complaint with cfpb regarding medical debt that continue to reappear on my credit report. After my complaint with cfpb the medical debt reporting on my credit report was removed in  XXXX  now again in  XXXX  it has reappeared back on my credit affecting m y credit score and sho wing closed in collections. On my report that I filed with cfpb the company said they would remove it from all credit reporting agencies and even though it was removed  XXXX , TransUnion, and   XXXX   are reporting it again in  XXXX . My file number with cfpb that states this will be removed from all reporting agencies  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