BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-10-28
Company: WESTERN UNION COMPANY, THE
State: IL
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Other transaction issues

Complaint:
I was wired money by my sister across the country. I went to the nearest western union licensed against. There were probably XXXX or XXXX other customers in the store. I go to grab a slip that I 'm supposed to write my private information on including : my password, phone number, address, and that same information about my sister the sender of money. When I ask for a form to fill out he says do n't worry about just tell me the information. So I provide him with the information but because it is not written down I believe he put the password in wrong. He says " The passwords wrong I can help you '' and go 's to another person. As I 'm on the phone with customer service I hear him making derogatory and discriminating remarks about XXXX and refusing to answer customer clients. He seemed to have XXXX friends hanging out with him and was only interested in getting the rest of us out. When I reached customer service via phone I explained to the guy on the phone that I am attempting to receive money but the agent claims he 's locked out of the system, so the phone guy told me to tell the agent to call a certain number. The Agent say " No, I do n't feel like it right now, maybe if you come tomorrow. '' I relay this to the guy on the phone who I then attempt to get the agent to talk to. the againt says " No, You should go. '' So then I tell the guy on the phone I 'd like to file a complaint about this again. The guy on the phone says he needs his name and agent license number. I have neither so I ask the agent and his reply is Get out. Ultimately I never got his name or license number, but I did get the store address and name, and he is the only guy behind the counter during the day time. He also Never gave me the money I came in for although now he and all of his friends in the store had the private information for withdrawing the transfer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-02
Company: Chime Financial Inc
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2020 I received my CARES act {$1200.00} payment into my Chime account. My vehicle and debit card were taken without permission by my ex-girlfriend. She then stole approximately {$560.00}. Upon realizing such theft occurred and confronting the thief, I was violently attacked and sustained life-threatening injuries. XXXX XXXX in my head and a XXXX XXXX XXXX. After being released from the hospital, I contacted Chime about the theft. The thief fled the area after attacking me, and was not able to be located by police. Because of it being an active investigation, the police could not release the report to me yet. However, warrants for her arrest were issued for " FRAUD ; CREDIT CARD THEFT MORE THAN {$100.00}, AGGRAVATED BATTERY CAUSE GREAT BODILY HARM OR DISABILITY, DOMESTIC BATTERY BY STRANGULATION ''. Chime 's Disputes team did an investigation, and determined " no error occurred ''. I challenged this determination, and requested a rebuttal. I was informed rebuttals take up to 45 days to complete. Over 60 days later, I contacted Chime regarding the rebuttal. I was told that they determined I did not provide any more information and they stood by their initial decision. This led to me filing a complaint with the XXXX XXXX XXXX. Chime, upon receiving the complaint via the XXXX, promptly closed my Chime account for " violation of the user agreement ''. On XX/XX/2020 the XXXX XXXX Sheriffs Office and XXXX XXXX XXXX Police Department captured the suspect and took her into custody. This allowed the arrest report to be released to me. I provided the report to Chime, and on XX/XX/2020 I was informed by Chime that they " determined an error did occur '' and that " {$560.00} was credited to your account ''. However, as mentioned before, Chime had closed my account months prior to this. So I promptly responded to their email, and informed them that my account was closed and provided updated direct deposit details. Chime then sent me a generic response stating " Any balance due to you will be mailed to the address on file within 30 days of the account closure ''. That was on XX/XX/2020. As of XX/XX/2020, I still had not received a check from Chime for the {$560.00}. I contacted Chime about this, and received a generic response stating " for security issues we can not release any more information regarding this account ''. I promptly responded with an email asking them to review the case, and transfer it to a supervisor, and not to send me a generic response again. Chime then sent me an exact copy of their first response, stating " for security issues we can not release any more information regarding this account ''. 

Almost an entire year after the theft occurred, I'm still just trying to get the {$560.00} that is rightfully mine. Chime 's conduct is immoral, not right, and straight up illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-02
Company: Phoenix Financial Services LLC
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
I owe the amount of {$770.00} to XXXX XXXX XXXX XXXX since XXXX XXXX, XXXX. Phoenix Financial Services LLC ( phoenixfinancialsvcs.com ), a Collections Agency, recently acquired this debt and they have done a Negative Re-Aging of this debt with all Credit Reporting agencies, by reporting it as a new debt in XXXX of XXXX. This is an illegal practice.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17
Company: Paypal Holdings, Inc
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Unexpected or other fees

Complaint:
Paypal transaction id XXXX sent on XX/XX/2020. 

Above transaction should be friend-to-friend but was sent in mistake as " merchant '', we corrected immediately by refunding to the original sender. PayPal still charged " paypal fees '' and refused to refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17
Company: GOLDMAN SACHS BANK USA
State: LA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I was sent an adverse action notice on XX/XX/2023, that denied my application in a consumer credit transaction. The notice further stated that the decision to deny me was based on information shared without my consent and used to discriminate against me. As explained in federal law under 15 USC 1602 ( f ) credit is the right granted by a creditor, which means access to credit extended is my lawful right as I am a creditor as described under 15 USC 1602 ( g ) because I regularly extend consumer credit. I initiated this transaction with my credit card under 15 USC 1602 ( l ) and this corporation utilized my credit card for there own profits and gains and I received no benefit from this transaction as required by federal law under 15 USC 1602 ( p ), means they violated the law because it was unauthorized use. By discriminating against me in attempting to deny my right to exercise my right to extend credit and receive benefits from the application for credit under 15 USC 1691 ( a ) ( 3 ). To resolve this matter, I am requesting that I be granted the credit that I extended the application for without any further discriminatory restrictions.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-24
Company: CONTRACT CALLERS INC
State: IN
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I do not recognize what CCI contract callers Inc. Is saying I owe. 
I contacted the company that they supposedly are collecting for and they had no record of it either

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-02
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. And it has been 60 days later I have not received a response yet. I also sent another letter on XXXX And still nothing! I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or will file for litigation due to high stress from this horrible experience, this isn't right! My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person. 

I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year. This is not a regular dispute I have filed a complaint with the federal trade commission and better business bureau because to my knowledge I do not recall any of these accounts. I need this problem fixed ASAP I will not wait another 50 days to receive no response because clearly you all are ignoring me.

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 2016-09-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
Bank of America has reduced and closed all of my credit accounts. This occurred 14 days after filing a complaint with the CFPB. I am asking that this be investigated as I believe that BOA is acting in a retaliatory fashion based on my complaints.

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 2021-01-02
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: Was not notified of investigation status or results

Complaint:
On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. And it has been 60 days later I have not received a response yet. I also sent another letter on XXXX And still nothing! I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or will file for litigation due to high stress from this horrible experience, this isn't right! My information was also impacted by the XXXX  data breach and may have gotten into the hands of the wrong person. 

I feel that these accounts are adversely affecting my credit report and costing me XXXX of dollars in interest every year. This is not a regular dispute I have filed a complaint with the federal trade commission and better business bureau because to my knowledge I do not recall any of these accounts. I need this problem fixed ASAP I will not wait another 50 days to receive no response because clearly you all are ignoring me.

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 2016-09-21
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
In XXXX XXXX, XXXX XXXX, took out a mortgage loan in the name of XXXX XXXX and purchased another property which was put into XXXX XXXX 's name and XXXX perpetrated fraud of which she was convicted and sentenced to prison for Identity theft. The lender at the time was XXXX XXXX XXXX XXXX. XXXX XXXX had kept paying her regular mortgage thinking that it would soon be paid off, but then started to receive notices that her home was in foreclosure, but it was not her primary residence. The property was XXXX XXXX, XXXX XXXX, NJ. She found out that this fraud had taken place, when XXXX XXXX started to send notices that that home was in foreclosure and notified the police, who arrested XXXX XXXX and found the documents attached. Many of which where unsigned. XXXX XXXX forged XXXX XXXX signatures. XXXX took out a brand new mortgage and used those funds to purchase XXXX XXXX, XXXX XXXX, NJ property. XXXX used XXXX ' social security number. XXXX stopped paying on this mortgage in XXXX XXXX and feels that she should not be responsible for this fraudulent mortgage. This mortgage was transferred from XXXX XXXX XXXX XXXX XXXX XXXX XXXX and now Bayview. XXXX is an XXXX XXXX XXXX widow and needs assistance with this fraudulent mortgage. Her home should have been paid off free and clear by now, instead she is facing foreclosure due to this fraudulent mortgage taken on XXXX XXXX XXXX, XXXX, NJ.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-11
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
Barclays Bank has withheld or erased the points I have accumulated using their Uber Visa Card. There was an apparent change in the terms of the card, which led to a conversion of the points to Uber Cash, in the amount of {$1400.00}. I do not have an Uber account, nor was I ever asked to create one when I first signed-up for the card. On XX/XX/2020, an agent at Barclay 's  Office of the President claimed that there was nothing they would do to help me restore the points or access the Uber Cash, and warned me that contacting the CFPB would lead to the same outcome. But I currently have no other recourse.

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 2022-03-21
Company: CITIZENS FINANCIAL GROUP, INC.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I have my account transferred from XXXX to Citizen Bank on XX/XX/2022. 
Just received my statement and there is a dormant fee charge for {$5.00}. 
In Florida a dormant account consider after XXXX  years of inactivity, while I didn't have this account that long at XXXX and only XXXX  month at Citizen. 
Was trying to contact Citizen Bank over the phone, waiting time at least XXXX minutes and a first person I spoke hung up on me. 
This is unacceptable to steal customer funds under bogus fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-20
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
There are four different collections on two different reports in regards to a XXXX bill that i do not believe i owe. one is not even in my name. I have written several certified letters to the agencies on the reports requesting information and they have failed to respond. I have also sent them certified letters requesting that they remove the info from my reports since they refuse to send me any information regarding these accounts, but they still will not respond.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-14
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: Account information incorrect

Complaint:
All of my credit card balances have been XXXX since XXXX XXXX XXXX and XXXX  have reflected this Equifax still has a derogatory and negative credit rating. The score is over a 100 points lower than the other credit reports. This is preventing me from getting a mortgage and a car. When I called the creditors directly they said they have reported the updated status of my credit balances to Equifax. It is now XXXX in Equifax still has not updated XXXX report even though it says the date of XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-02
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. And it has been 60 days later I have not received a response yet. I also sent another letter on XXXX And still nothing! I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or will file for litigation due to high stress from this horrible experience, this isn't right! My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person. 

I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year. This is not a regular dispute I have filed a complaint with the federal trade commission and better business bureau because to my knowledge I do not recall any of these accounts. I need this problem fixed ASAP I will not wait another 50 days to receive no response because clearly you all are ignoring me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
Having graduated with a XXXX  XXXX, I've taken time to reconcile payments made to Ocwen vs the A/R provided. What I discovered will be missing payment from XXXX thru XXXX on the XXXX mortgage. Please provide a complete record of all payments made on account # XXXX from XXXX thru XXXX. Should you have additional questions, please feel free to contact me. 

XXXX mortgage is being address by the DOJ. 

Thank you for your prompt attention. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX ( home ) XXXX ( cell )

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-19
Company: Phoenix Financial Services LLC
State: SC
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Phoenix Financial Services LLC is currently reporting an account to my credit report in error claiming that I owe a balance of {$410.00}. I have spoken with someone who advised that I try to work this out with the creditor before pursuing a legal route. I have sent many letters to this company in regards to this mark on my credit. I have not received anything stating what this is for. I have no recollection of owing this balance for anything. I would like for this to be removed from my credit before obtaining a lawyer to pursue the legal route.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-02
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Applying to Equifax for my free credit report ( initiated at XXXX XXXX XXXX ) Equifax requires me to file a paper form saying " Online Delivery Unavailable ''. 

It has been my experience that the credit reporting companies are repeatedly requiring me to " jump through hoops '' to get my free credit reports when they have no valid reason for the extra steps. I have seen this multiple times with the big credit reporting companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-02
Company: U.S. BANCORP
State: CO
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
I received a RelaCard from US Bank but did not file for unemployment. I closed the account with US Bank and filed a report with Unemployment Office with Colorado.

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 2018-01-20
Company: AES/PHEAA
State: UT
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
From XX/XX/XXXX, I took out student loans. In XX/XX/XXXX I consolidated my loans for a balance of around {$47000.00}. I 've claimed forbearance once in this time period. As of today, I still owe over {$34000.00}. According to AES, I 've paid {$75000.00} in principal and {$34000.00} in interest for a total of {$110000.00}. I 've attached screen shots and downloaded loan details as part of this complaint. How can I have paid over {$75000.00} in principal for a loan that was originally around {$47000.00}?

Company response to consumer: Closed with explanation