BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-22
Company: Paypal Holdings, Inc
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/2023 I saw an offer on XXXX about an XXXX XXXX XXXX selling for {$260.00} and {$20.00} delivery fee because we split the delivery cost by half. I chatted with him and he sent me the XXXX account and its to XXXX XXXX XXXX and I paid him {$150.00} but XXXX saying that my payment requires additional review so I thought it got cancelled. Then he shared his paypal account XXXX XXXX XXXX and I sent him {$150.00} also. But then the XXXX  payment went through but he said he never received it and will try to refund the money on the XXXX. From XX/XX/XXXX until XXXX he said that he is still trying to recover the fund and I offered him another {$130.00} to send the watch ASAP with paypal. The next day he told me that he cant find my address even though my address is correct and Ive used XXXX to my home address previously. 2 days after that on XXXX XXXX, He said that his fianc thinks he sells it to low and demanded {$50.00} more so I did sent to his paypal again then he said that he was on the way to USPS. On XX/XX/XXXX he said that he got arrested on his way to USPS and he is super broke then he offered me a check from his investment and I agreed to it. On XX/XX/XXXX I got the check from him and my back said that I can use the fund on XX/XX/XXXX but on XX/XX/XXXX the payer stop the fund on a check so I didn't get the money. He ghosted me away after that. His name is XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-21
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
Wells Fargo banking XXXX XXXX XXXX XXXX. 
I closed my account back in XXXX  moving forward I has been getting hassle with debt people for years I found out my personal information was compromised by these people.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage
Sub-issue: Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure

Complaint:
Please see attached document which has the wrong amount -- -- -- I have tried to communicate with the bank

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-22
Company: Block, Inc.
State: OK
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
My account has had unauthorized transactions over 10 only 2 went through after they cleared my account I dont even own a XXXX it happened while I was on my lunch break at work Ive gotten no assistance or help, I filed a dispute and have gotten no information or help

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-22
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Terrible customer service. I was charged an annual fee when I never authorized or used the card. I called and spoke to XXXX XXXX XXXX customer service four times over four months. Each time, they said that they would waive the {$99.00} annual fee and cancel the card ( per my request ) and never did. When I couldn't resolve with the issue with customer service, I sent emails and certified letters to the Barclay Bank CEO, XXXX XXXX and the Head of XXXX XXXX XXXX, XXXX XXXX. Both have not gotten back. 

Stay away from this card and Barclay Bank.

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 monetary relief
Consumer complaint received 2023-10-22
Company: Regional Management Corporation
State: MO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act, XXXX account number XXXX, has violated my rights. 

15 USC 1681 section 602A states I have the the rights to privacy.

15 USC 1681 section 604A section 2 it also states, a consumer reporting agency can not furnish a account without my written instructions.

15 USC 16665 a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
XXXX XX/XX/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 explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
Equifax was hacked, gave up vital personal information. Forced to pay for credit freeze. Outraged with company practices, hope the owners who sold their stock go to prison.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Good morning really I want to get higher limits on my cards becuase I have good card and great standings with XXXX  and nfcu. Chasing financial freedom starting to move things out the way with credit

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-22
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I received an American Express XXXX XXXX for {$120.00} and have attempted to use it on numerous websites for purchases far below the {$120.00} balance and it is always declined. I attempted to use it at XXXX, XXXX, XXXX, XXXX and XXXX, in addition to other online retailers, and it was declined every time.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I hope this message finds you well. I am writing to address a matter related to a financial hardship I experienced recently. Upon reviewing my credit report, I noticed that you have charged off items ; however, I have not received a 1099 for this particular transaction. 

Capital One Capital One XXXX XXXX XXXX XXXX Child support In light of this, I kindly request that you provide me with a 1099 for the charged-off item at your earliest convenience. Having accurate and complete financial documentation is crucial for my records, especially considering the challenges I've faced. 

Your prompt attention to this matter is greatly appreciated. I am eager to resolve this issue and ensure that all necessary documentation is in order. 

Thank you for your understanding and assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16
Company: TD BANK US HOLDING COMPANY
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I received a collection notice in the mail. I called redcard direct to find additional charges on my card. Reported fraud at that time. No card has been received approximately XXXX  months. Credit limit decreased {$3600.00} which affects total credit score. Negative report of late payments on credit report. After investigation, I have a credit on my account that can not be used due to no new card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-23
Company: JPMORGAN CHASE & CO.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
On XX/XX/XXXX in good faith I applied for an auto loan with JP MORGAN CHASE BANK and was denied an extension of my own credit. This is hindering my livelihood as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23
Company: CITIBANK, N.A.
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I did my taxes and my refund was going to be in direct deposit. So since my wife and I filed together we thought we could receive the refund since we filed together but when the deposit hit the account they closed it because I wasnt owner of account. Its Been almost 10 months and they havent sent the fund backs they are holding on to my money and dont want to comply

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I found the following serious issue now : Dear sir, Today, on XX/XX/2023, I realized that my bank credit card ending XXXX, which was Bank of America Travel Rewards Visa Credit Card, was disappeared from the website, when I checked the Bank of America Website. Due to the illegal usage of my XXXXXXXX XXXX credit card, I closed the XXXX card immediately after my realization and secondly the discovery of illegal usage before the replacement card had arrived to me ; therefore, I needed to use the different payment method for XXXX purchase. I used this Bank of America credit card ending XXXX because the information was kept in XXXX data base. Since I did not use for a long time and preferred another credit card issued by Bank of America, I believe I discarded the card ending XXXX by destroying it. Even though there is some suspicion of illegal usage, still the information of card ending XXXX should be seen and checkable at the bank website. As I have strong concern why my bank information can not be checked at the bank website, would you investigate this matter? And would you tell me how to replace the card, since I can not replace it due to the disappearance? 

Sincerely,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or delete the following accounts : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-23
Company: Chime Financial Inc
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
A checking account was opened with an online bank. Chime is a financial technology company, not a bank. Banking services provided by XXXX XXXXXXXX XXXX XXXXXXXX. or XXXXXXXX XXXX XXXXXXXX. ; Members FDIC- this is a fraudulent account. Chime will not close the fraudulent account. No ID was used to confirm my identity yet they have an active account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23
Company: TRUIST FINANCIAL CORPORATION
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I decided to voluntarily surrender the vehicle in XXXX of XXXX due to the increasing vehicle theft of any XXXX model. Unfortunately I did not have insurance or the money to fix the repairs I had no choice but to surrender the vehicle. 

I feel like since the uprise of XXXX vehicles thefts, my credit should not be affected or Damaged due to something that was beyond my control. I understand that I am financially responsible for the remaining balance on my account however since the account status is now written off as bad debt I shouldnt be penalized as far as 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 explanation
Consumer complaint received 2023-10-23
Company: Mercedes Benz Financial Services
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I am writing to file a formal complaint against Mercedes Benz Financial, the organization that originally financed my vehicle. My complaint pertains to their handling of the vehicle financing, which, as per my understanding of the Security Exchange Act, has raised concerns of potential violations, securities fraud and tax evasion. My promissory note/certificate of indebtness was securitizied and the company received full payment for the vehicle. it appears that Mercedes Benz Financial received a CUSIP number and engaged in trading activities. This raises concerns that the account should have a {$0.00} balance as the debt should have been fully discharged. According to the 10k Form XXXX XXXX XXXX XXXX XXXX is the Indenture Trustee with XXXX XXXX as the respective officer. On XX/XX/2023 I sent USPS registered mail # XXXX mail to XXXX XXXX, XXXX XXXX delivered on XX/XX/2023. I spoke to XXXX XXXX on XX/XX/2023 and was given his email which was sent and shows delivered. I have not received a response as of yet and my account is still showing a balance, which again should be {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
My XXXX XXXX  and XXXX XXXX XXXX balances are incorrect, they had larger balances and now are COMPLETELY paid off. Equifax didnt post updated information and now removed points for my XXXX account goung up. 
ALL OF MY CARDS ARE PAID EVERY MONTH and over the min amount due. 3 are COMPLETELY paid off but Equifax refuses to acknowledge any account that would drastically improve my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23
Company: ALLY FINANCIAL INC.
State: TN
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I made a checking account using the XXXX opening bonus code. The rules of the code are as follows '' 1. For a limited time, no later than XX/XX/2023 ( we may shorten this timeframe without notice ), open a new Ally Bank Spending Account by using promo code XXXX. Remember! You must fund your account ( with any amount ) within 30 days of opening it, otherwise the account will automatically close. 2. Set up a Qualifying Direct Deposit ( QDD ) and receive QDD payment ( s ) totaling a minimum of {$1500.00} within 90 days after opening your new Ally Bank Spending Account. 3. Keep your Ally Bank Spending Account open and in good standing until we deposit your {$200.00} bonus, which will be within 30 days after you reach the {$1500.00} QDD minimum within the 90-day period outlined in Step 2. ". I reached my XXXX Direct deposit quota on XX/XX/XXXX. After about two weeks, I inquired about when my bonus would hit, and was told it could take up to 30 days after reaching the XXXX quota. I inquired today ( XXXX XXXX ), and was told I actually need to have the account hit XXXX, not just have XXXX in deposits. When I looked over the terms, this was not stated at all. I was also told that there was no department to escalate this issue to.

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 monetary relief
Consumer complaint received 2023-10-23
Company: TransferWise Ltd
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
As a customer of Wise Account, I contacted that entity in an effort to execute damage control after my Wise debit card had been stolen in XXXX, XXXX on XXXX XXXX, XXXX 

When I contacted Wise to 1 ) block my card, and 2 ) send a replacement card, I was initially told that Wise was forbidden by law to send a replacement card to the hotel at which I was staying in XXXX. Upon further questioning from me, they indicated that there would be no point in doing so since the card needed to be activated in the United States. At that point, I suggested that an authorized user in my family activate the card for me per Wise 's requirements and then send the card to me via overnight delivery ; Wise refused, then canceled my request for a replacement card. 

-- I contacted Wise again to complain ; they credited me the {$5.00} replacement card fee, but still did not issue an order to ship me a replacement card -- It took a fourth complaint to get them to agree to send an actual card -- The replacement card didn't arrive for three weeks -- long after I had arrived back home in California In addition to unacceptable delays and inattention to my requests, Wise did not respond to communiqus. To date, the following requests made by me have been ignored by Wise : -- A refund of the wire transfer fees that I paid when I transferred funds from my regular United States bank account to my Wise account -- Fee waiver of any and all fees associated with future account activity Because my requests were ignored, I tried to activate the replacement debit card from my home in California so that I could transfer all funds out of my Wise account ; however, that action precipitated a double charge to access my own money. 

My attempt to activate the Wise card failed ; I told customer support the same. My requests were delayed further by Wise 's announcement that they needed " proof '' of the card activation failure. I had already provided the requested information. 

Today 's ( XXXX XXXX XXXX ) current status regarding this situation -- which commenced on XXXX XXXX XXXX  -- is as follows : All three of my requests for credits against wire transfer fee charges have been neglected : no response and no refunding of charges. 

No action has been taken to remedy the lack of service with respect to my case. 

I have not been apprised in any way of the status of my resolution request.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04
Company: TransferWise Ltd
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
I used Wise to make some instant transfers, which they charge an arm and a leg for. They took my money and never transferred the funds. Its been 2 days and I still have not received anything and they do not respond other than to send a form email about delays in transfers. If they can not perform an instant transfer, then they at the very least need to refund the service fees that they charged for an instant transfer. Taking Money under false pretenses is fraud. 
This happened three times, just this week and this is not the first time that this has happened. 

Additionally, this company in the past has lied about these practices and said that I chose a longer transfer time and their receipts will show that a different amount from what they actually charged me. However, I paid using the XXXX XXXX option and that is only available for instant transfers. The part where they claim that a different fee was charged is also 100 percent a fraud and a scam.

Company response to consumer: Closed with explanation