BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-29
Company: GOLDMAN SACHS BANK USA
State: CA
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 had an old credit card through XXXX XXXX, I had one thing recurring on it, a XXXX account to keep the card current and help my credit. The account was set up on auto payment with XXXX XXXX to my bank account. Around XX/XX/2022 XXXX sent me a notice that my card had expired and needed to update my account. Not even thinking about it I updated the account to a new card. Late XX/XX/2022 I got a notification on my credit report that my credit score had gone down by XXXX points. There was a missed delinquent account from Goldman Sachs. Knowing that I didn't even have any business with them or an account I called right away. Marcus by Goldman Sachs had purchased the credit card from XXXX XXXX in XXXX of XXXX  I called and said I had no idea and that was an old card that I never used and it was only tied to a XXXX account. They had an old mailing address for me so the letters sent was sent to the wrong address and I never received anything. There was a balance of XXXX dollars total when they purchased the credit card from XXXX XXXX. I told them I had no problem paying what was owed to the card and any interest. I paid them XXXX dollars to make things right. I then asked if they would please remove any late fees because there was a miscommunication of the new purchase and I never received any information about the credit card changing companies. They said they would get back to me. I gave them the right email address, address, and made sure they had my phone number. 3 weeks later I received another email stating that my account was past due and more fees were charged. Now there is a balance of XXXX dollars that is delinquent on my credit score. After updating my information, I have received XXXX statements, phone calls or letters from them. I have tried multiple times through out the month to create an account with them online to see any information about it. There website is broken and times out every time I try to create and account. I didn't even sign up with them, I don't know how it's even legal for XXXXl XXXX to sell them all my information and sign me up with them without my consent. I paid them 2 times the amount of the original balance on the card. Now they are tagging me with XXXX to XXXX dollar fees for the past month. But I have no idea about due dates, didn't receive any mail, phone calls or emails, except that my account is past due. I didn't even receive a credit card from them. I don't know how this is legal or how this is even happening, but it is greatly effecting my credit score. 


I have attached the statements that were sent via email during first phone call in early XXXX. I have received nothing since expect the emails shown in screen shots. Can't sign in online, received nothing in the mail, and haven't received a single phone call.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
Company: Paypal Holdings, Inc
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I sent {$1500.00} to my brothers business Venmo for him to cut my dying trees down/landscaping. Venmo suspected fraud and froze his account and my ability to use that banking information. They verified me, they verified him but still said they could hold the funds for 180 days. They will not tell us why, we tried to request a reversal/refund and they wouldn't allow it, they refused to let us speak to a supervisor. He has no money for materials now and I am out of a service and the trees are dead and could hurt my family. I attempted as well as my brother to resolve it and we just keep getting ignored/hung up on/told there is nothing they can do. I didn't get my service, he didn't get theo ey I sent him, he's being blocked from using it and even reversing/refund it. They will not say why this is happening and they won't even let us process a dispute. When we ask for a supervisor we are disconnected or told there isn't XXXX. This is infuriating. Not only is he out of {$1500.00} which is all the money he had, but I am out of {$1500.00} because I paid it to him and My service isn't completed which is extremely dangerous as the tree could fall on my home with my children in it or on my neighbors home. Venmo says there's nothing they can do and " we agreed " in the terms and agreements that they can keep it up to 180. This is unacceptable. They are doing this to so many ppl. Venmo is scamming many people, it's all over XXXX and XXXX and public sites. Please look into this ASAP. Thank you Hold money 180 day

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29
Company: WELLS FARGO & COMPANY
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: Account status incorrect

Complaint:
XX/XX/2022 correspondence were created to send to me and in this letter there are too many things that are still incorrect that have yet to be fixed! First, this account does not belong on my consumer report. Second, the amount on the letter from Wells Fargo is different than the amount of {$2600.00} that is being reported to consumer reporting agencies, which is a clear violation. Also, this company in this very letter told me themselves their company records does not reflect records that a 1099-C cancellation of debt form was even submitted. That means for them to report it as a " charge-off '' is unlawful and also makes it inaccurate. This account is also simultaniously being reported as a collection account too. To my understanding, those are two separate types of statuses and are not the same thing so I'm confused as to why they're reporting it at all and why it s showing as both?

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 2021-09-01
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I have been a customer of Chase bank since XXXX, and up until now had always loved my bank. The past year or so has been a very difficult time for me and my family. We discovered I may have XXXX, I was terminated from my job and in a near XXXX  car accident - all of which I am still trying to recover from. Ive gone through my statements and in total I have been charged {$7100.00} in overdraft and related fees since early XXXX. 

Right now my account is overdrawn by {$790.00} and my sons account is overdrawn by {$660.00} which were charges on my debit card that somehow got linked to his account. If I hadnt been hit with all these fees I would have a positive balance of {$5700.00}. That kind of money makes a world of difference in todays economy, especially since Im still out of work and wont be getting much for unemployment soon. But no one at Chase seems to care. 

I also attempted to deposit a {$2500.00} check at which point my account disappeared and when it reappeared my debit card had been linked to my sons account and the purchases I made over drafted his account! I cant understand why this happened and no one I tried to speak to would help me. Chase bank is putting my and my son on the street with these fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-22
Company: Experian Information Solutions Inc.
State: GA
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:
Re : XXXX XXXX XXXX, Acct. # : XXXX XXXX XXXX XXXX I sent a letter to XXXX XXXX XXXX on XX/XX/22 certified mail tracking # XXXX XXXX XXXX XXXX XXXX stating that illegal information is being reported by them on my credit report specifically, my credit utilization. 

In response, I received a letter from them ( attached ) stating that my request was received, reviewed and sent updated information about my recent payment to the consumer reporting agencies. THIS IS NOT WHAT MY INITIAL CORRESPONDENCE WITH THEM WAS CONCERNING. They further encouraged me to reach out to the credit bureaus to have each of them update their records. 

THIS IS ABSOLUTELY UNACCEPTABLE AS THE REPORTING OF CREDIT UTILIZATION IS ILLEGAL. 

Upon carefully reviewing 15 U.S. Code 1681a ( 2 ) ( a ) ( i ), it clearly states the following : ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; As such, the reporting of any transaction or experience on my consumer credit report is ILLEGAL and forbidden by government.

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 2022-08-02
Company: TRUIST FINANCIAL CORPORATION
State: AE
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:
To start, I have had at least one mortgage with XXXX for over 20 years. In that time I have made timely and accurate payments every month and on the same day. About the time SunTrust merged with Truist ( XX/XX/2022 ), I started to receive unexplainable charges/balances on my online account. It showed an amount due of one amount and a negative balance of a larger amount. I had no idea what these charges and balances were but I tried to pay the larger negative balance and received a message that I could only pay the lower amount. I contacted Truist about this and they went into research it. They replied with a response I didn't understand but basically it was an issue on their side. I never learned what the issue was or what happened to the amount that I paid to try to bring the account into balance. 

Then, I discovered that they were filing negative reports to the credit bureaus. I immediately contacted them about this. Again they went into research mode and never contacted me back. It was only after I sent a letter to the CEO, did I get a response back. They said that they had not posted negative information to the credit bureaus. Yet, I made copies of the report and sent in to them. Again, they went into research mode and never contacted me back until I again sent a note to the CEO. Their customer support person claimed that the negative reports were accurate and that I had several late payments. However, I went to my statements over the last several months and not one showed an unpaid balance or late payment due. I am very confused and am getting no support from Truist. 

Per my research, it appears that Truist had changed the account number on the account when they merged. If they informed me of this, I was not aware despite having multiple ways to contact me. And still, the payments were made and accepted by Truist despite the account number that was being addressed. 

Again, I have been a mortgage and account holder with SunTrust for over 20 years. It appears they value one side of that relationship but did not hesitate to damage my credit rather than find a way to contact me and explain changes that might impact my accounts. Again, I still do not know when or if there is balance that needs to be addressed as Truist has given me no explanation as to what caused them to report me to the credit bureaus.

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 2022-09-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
Ive been calling, and Also asking the creditors to verify these accounts they are not properly verifying because these accounts are inaccurate and doesnt belong to me. 

XXXX XXXX  XXXX {$1900.00} XXXX XXXX XXXX {$5900.00} XXXXXXXX XXXX  XXXX {$1300.00} XXXXXXXX XXXX XXXX XXXXXXXX {$3800.00}

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 2022-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
It has been 5 months since my first dispute regarding the fraudulent items being reported by the XXXX and TransUnion Credit Buraeus. I have also been sending countless letters requesting that the Credit Bureaus verify the authenticity of the information being reported on my Credit Report. But the Credit Bureaus have failed to do so and continued reporting without sending me copies of documents as proof of their invesitagation. I am now submitting this CFPB complaint to request that the Credit Bureaus remove the disputed items with or without investigation. The Credit Reporting Agencies must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I need the following items deleted immediately : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXXXXXX XXXX  TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-11-15
Company: Fay Servicing, LLC
State: LA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am a XXXX XXXX XXXX  at the XXXX XXXX unit at XXXXXXXX XXXX XXXXXXXX XXXX in XXXX XXXX. This complaint is in reference to my client, XXXX XXXX, who has a mortgage currently serviced by Fay Servicing. 

Borrower : XXXX XXXX XXXX : XXXX Subject Property : XXXX XXXX XXXX, XXXX XXXX, LA XXXX XXXX 
Loan # : XXXX Servicer : Fay Servicing XXXX XXXX went into default in XXXX of XXXX and as of XX/XX/XXXX owed approximately {$4200.00} to reinstate. My organization is operating a program to reinstate eligible homeowners in foreclosure through Community Development Block Grant funds provided by the CARES Act and distributed through the City of XXXX XXXX. 

We determined XXXX XXXX to be eligible for program benefits and sent {$4100.00} to Fay Servicing on XX/XX/XXXX by wire on her behalf, to cover the six months of default from XX/XX/XXXX to XX/XX/XXXX. XXXX XXXX stated that she could and would continue repayment from XX/XX/XXXX onward. I received written confirmation on XX/XX/XXXX that our wire was received and applied to XXXX XXXX 's account but that it fell short of the XXXX payment she had agreed to pay by {$170.00}. 

XXXX XXXX attempted to pay this amount over the phone by ACH debit directly from her checking account by providing the Fay Servicing representative the routing/transit number and account number off of a check. Instead of debiting my client the {$170.00} she owed, they debited her account the full {$4300.00}, as if they hadn't already received and acknowledged the {$4100.00} payment from us. This caused her bank to return it as not sufficient funds. Fay subsequently charged XXXX XXXX an NSF fee of {$10.00}, on top of the fees her back levied against her for the NSF charge. 

Fay assigned a single point of contact to XXXX XXXX, one XXXX XXXX, who was extremely difficult to reach. I tried calling at least 5 times over the course of XXXX and XX/XX/XXXX. When I did reach her, she claimed to have been trying to reach me. My client experienced the same difficulty in communication followed by recriminations of XXXX XXXX trying to get in touch with XXXX XXXX. XXXX XXXX was rude to me when we did finally speak and hung up on my client when she was confronted with the mistake regarding the ACH debit overcharge.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, IN XXXX, XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX  XXXX Balance : {$5100.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX ( Original Creditor : XXXX  ) XXXX Balance : {$200.00}, Inquiries Not Included Indispute : XXXX XXXX XX/XX/2021 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXXS XXXX XX/XX/2021, XXXX XXXX XX/XX/2021, XXXX XXXX XX/XX/2021, XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 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 2021-06-21
Company: Cooling & Winter LLC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I sent a certified letter to Cooling & Winter, LLC on XX/XX/2021 which included a Affidavit of Truth ( notarized ), and a Cease & Desist letter with Exhibit A, and B. As well as an invoice for {$4000.00} for violating my Federally Protected Consumer Rights.

Violations : *15 USC 1692g ( c ) *15 USC 1692b ( 2 ) *15 USC 1692g ( d ) ( e ) *15 USC 1692i ( b )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-22
Company: U.S. BANCORP
State: MO
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I was the victim of an elaborate bitcoin investment scam. The fraudulent company is XXXX XXXX XXXX. I will attach a detailed letter about the scam and what happened. I first contacted my bank, XXXXXXXX XXXX, to report the fraud on XX/XX/XXXX but they ignored my email. I have sent multiple letters to their fraud department email and every single one of them went ignored. I emailed them on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I called to report the fraud on XX/XX/2022 and they said that they could not help me. I sent a letter in the mail to their corporate office in Minnesota on XX/XX/XXXX as well and I never received a letter back from them. They should have been aware of the fraudulent activity that was happening on my account and that I was scammed out of {$19000.00} in less than a year. They have failed to protect me as a customer by not seeing and stopping the unusual activity that was happening on my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-22
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XXXX XXXX, 2022 I received a noticed from my bank that there was a pull from my checking account from PayPal for {$0.00}. On investigation, there was a charge from PayPal from a reoccurring basis from XXXX for 4 separate requests. I deleted all 4 on the PayPal website, but I did not authorize any of these activities as I have ( other than email ) no existing relationship with XXXX. I reported this to PayPal, and requested to immediately close the account and was told that they couldn't do that as they were researching the charge in question and was still waiting to receive payment from my bank account for the charge. I received a reply that they did the research and it was NOT an unauthorized charge and was consistent with my recent activity, but that is impossible as I have never had any activity with that company, and nothing anywhere near that dollar amount.

Company response to consumer: Closed with monetary relief