BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-19
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XX/XX/22 company violated my consumer rights 15 U.S. 1601, 1602, 1605

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 2023-10-20
Company: Nelnet, Inc.
State: HI
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:
Today I received a response from my CFPB complaint which closed the case, but that case was not resolved. 

I was removed from Administrative Forbearance, but my account wasnt changed to allow a payment due under my payment plan. My payment due date is still XX/XX/2024. With this status XXXX wont be able to take advantage of the SAVE interest waiver benefit, thus accruing thousands of dollars in interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Hello today ( XX/XX/23 ) I went to TD Bank located at XXXX XXXX in XXXX around XXXX. I went in to do a cash deposit of {$390.00} but it gave me back {$110.00} so Im missing {$280.00}. The ATM machine took my cash and told me to ask for customer service. It never gave me back my card or confirmed my deposit. I deposited the {$110.00} I got back from the ATM and was sent to wait for customer service. I was then told to wait till tomorrow ( XX/XX/23 ) to see if any changes occur on my bank statement. If there arent any changes I will visit TD bank to file a dispute with them. While searching online I read that this is a common occurrence with Td bank and that I should file a report to CFPB to help me with this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-20
Company: GOLDMAN SACHS BANK USA
State: IL
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:
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20
Company: TD BANK US HOLDING COMPANY
State: IL
Product: Credit card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
Td bank XXXX  This company approved a credit card with a limit of $ XXXX for furniture at XXXX XXXX . I paid deposit immediately of $ XXXX for custom furniture at the store using the credit card number. I never received a credit card or a bill from this organization. Then one day they called me and told me I had an outstanding balance that was past due. I explained that I had never received a card or a bill from them and I paid the FULL balance immediately upon receiving the phone call. Nonetheless, this organization reported delinquency of less than 7 days to credit bureaus which had negatively impacted my credit. I have called them to no avail. I am requesting this be removed from my credit. I NEVER received a credit card or a bill from this organization. When I received a call from them I paid immedialetly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20
Company: FIRST PORTFOLIO SERVICING INC
State: MN
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Attached is a letter from XXXX XXXX for proof of payment of my REVVI Card credit card account. My closed REVVI Card credit card account is paid as agreed and in full. Full Name : XXXX XXXX XXXX, XXXX : XX/XX/1974, XXXX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20
Company: CITIBANK, N.A.
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I did not authorize charges in the account. I reported as fraudulent charges to Citibank. 
card # XXXX card # XXXX Restore my credit rating. 

of note : I had my wallet stolen at work with my cash, Driver 's license, SS card, several credit cards, photo ID and other personal information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-20
Company: EMCC Holdings, LLC
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:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: ID
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:
I have potentially been impacted by the hack that took place in XXXX to XXXX of 2017 on Equifax, the credit reporting bureau. I 've not seen anything that indicates ( yet ) that my information has been used, but the information is potentially out there because of Equifax not securing my data. My biggest concern about this is the fact that Equifax knew about this potentially in XXXX and did nothing to let consumers know.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20
Company: CITIBANK, N.A.
State: CO
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I made payments for {$4300.00} and {$100.00} on XX/XX/XXXX to Citicard. The funds were deducted from my bank account on XX/XX/XXXX and were transferred to Citicard at the end of the day on XX/XX/XXXX. Citicard has not applied the amounts above to my available credit in my Citicard account, and according to their call center reps, they have " placed a float on the money. '' When I first called Citicard on the morning of XX/XX/XXXX to ask why the payment was not applied to my available credit, the call center rep named XXXX called my bank- XXXX XXXX to see if the funds had cleared. A XXXX XXXX XXXX told XXXX the funds had been deducted from my account and that the ACH transfer to Citicard would be complete by XXXX pm XXXX on XX/XX/XXXX. XXXX told me that the " float '' on my account could be lifted after the ACH was complete. XXXX said she would call me back on XX/XX/XXXX to help lift the " float '' on my account so that the payment would be applied. XXXX did call me back at XXXX XXXX. MST on XX/XX/XXXX and left a voicemail on my phone stating she was calling to assist me with lifting the " float. '' When I called Citicard back at XXXX am MST on XX/XX/XXXX to have the " float '' lifted, I was told they could not lift the " float '' and would not apply the payment to my account until XX/XX/XXXX. I explained that the XXXX transfer was complete and they had my money. They still refused. I asked to speak with a supervisor who could help me and who could explain why they were holding the payment and not applying it to my account. I was transferred to several reps and finally spoke with an account manager named XXXX. He said he would not remove the " float. '' He did not explain why. I asked him to find someone to help me. He said no one could help, then hung up on me. I was on the phone with Citicard for XXXX hour and XXXX minutes. 

The payment has yet to be applied to my available credit 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 explanation
Consumer complaint received 2023-10-20
Company: MORGAN STANLEY & CO. LLC
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Was transferring assets from a XXXX account to Etrade. The XXXX transwer failed, so etrade locked my account causing multiple items to bounce and fail charge. I have no access to any of my funds and no options on how to get them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20
Company: Winklevoss Exchange LLC
State: WI
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I created a Gemini account to purchase bitcoin. I purchased {$2000.00} of bitcoin and attempted to transfer to my main bitcoin wallet. Gemini denied this every time I tried to transfer due to " security hold ''. I attemped over 10 times throughout XXXX, XXXX, XXXX and XXXX. 

I emailed Gemini no less than 50 times. They occasionally responded, saying they were looking into the problem. 

Then I received notice from Gemini mid XXXX that they were closing my account and I had 5 days to withdraw my money. 

I had closed the bank account I used to open my Gemini account in XXXX and after giving them two other bank account options to send my withdrawal to, they demanded a letter from my bank proving I closed my original bank account. I provided this beginning of XXXX and they stopped responding to any of my emails. Gemini is acting in complete fraud. They have been holding my funds hostage since XX/XX/ and after I have sent them every document they have requested for over 4 months, they are refusing to reply and return to me my funds I deposited on their platform. I send 3-6 emails daily to them without response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20
Company: Chime Financial Inc
State: MS
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I called a counterfeit XXXX and was told that I was paying my light bill. The call center number and the confirmation number were both fake. I ended up having {$540.00} sent to a counterfeit XXXX  and {$270.00} to an energy company in XXXX. I filed a dispute on XX/XX/XXXX and Chime did not refund the money back to my account after I told them what happened. I concerned that they will not approve of the dispute and will not refund me my money rightfully.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20
Company: TransferWise Ltd
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
I would like to submit a complaint concerning potential financial malpractice involving Wise XXXX. I believe that their activities may warrant a thorough investigation to ensure transparency, fairness, and compliance with financial regulations. 

The first case : My client issued the XXXX money transfer on XX/XX/XXXX, claiming that the fund would arrive to my bank account no later than in XXXX working days. Additionally, they asked me to provide some information to verify me as a recipient. All the information has been provided within a few hours after the request. Meanwhile, they advised me to use the XXXX sample in the transfer invoice they provided to my client so my bank could allocate the transfer. I have contacted my bank and provided this data, but they couldn't find the transfer. My client has contacted Wise a few times but got the same response : use the XXXX sample in the transfer invoice. The transfer finally arrived on XX/XX/XXXX. The XXXX number, sending bank, and reference number differed from the ones stated in the initial transfer invoice. 

The second case : The same client sent me another XXXX transfer on XX/XX/XXXX. According to the tracking link provided by Wise, the transfer should arrive no later than XX/XX/XXXX. On XX/XX/XXXX, my client contacted Wise regarding the transfer status, and they stated that it was successful and that I should use the XXXX sample stated in the transfer invoice issued on XX/XX/XXXX. Again, my bank was not able to detect this transfer. On XX/XX/XXXX, they demanded that I submit my bank statement showing all incoming payments to my account to ensure that I don't lie. Though it contains sensitive information, this statement was submitted for their investigation. No further reply was not received. After numerous attempts to contact them and find out the status of the transfer, the money arrived in my account on XX/XX/XXXX. And, as in the first case, the XXXX number, sending bank, reference number, and date differed from the transfer invoice. 

Considering these two cases, when Wise XXXX held money for no reason and no explanation on the transfer status, I believe that this was made intentionally and can be a sign of financial malpractice. There are also tons of negative reviews on their XXXX page, Trustpilot page, and other social media regarding similar situations, blocking accounts for no reason after receiving confirmation from users, or changing account details without any notice. 

Please, find the transfer invoices by Wise and XXXX confirmations from my bank as proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20
Company: GOLDMAN SACHS BANK USA
State: NY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I had gotten the Apple Card which was backed by Goldman Sachs bank, upon going through financial hardship I was unable to continue to make payments in the time of the account. The balance is now {$3200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I walked in to a branch on a friday afternoon to request cashout of the balance in my account and closure of my checking account. 
They cashed me out with a cashier 's check and said they would take care of the closure and I neednt stay for that. They didnt provide me with any reference for the closure request- they just said it would be closed in XXXX business days One week later, my account is still showing as active. I call their customer service, they say they will put in the request through backend and the it will be closed in XXXX business days. WHen I ask for a ticket number or a confirmation request to be sent to my email, they claim they do not have such facility available I even tried speaking to a supervisor to get some resolution but to no avail

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20
Company: U.S. BANCORP
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
There were 3 accounts still open with USBank. A Checking, Savings and line of credit. The balances were XXXX  and the account closed on or about XX/XX/2022 with XXXX balances on all accounts. 
The account had previously had an automatic transfer to go from the checking account to the savings account every month for {$200.00}, On XX/XX/XXXX the bank transferred {$250.00} from the Overdraft line credit to the checking and then transferred {$200.00} of that into savings. They charged a fee of {$12.00} to do this. Since the account was closed they then sent a refund check for the {$200.00} in the savings account. Since the checking account was also closed they then sent another check for {$37.00} for a balance refund of the checking account. ( {$50.00} minus the {$12.00} fee ) All of these transactions were done the same day, XX/XX/2022. 
I received a XXXX check in the mail on or about XX/XX/XXXX. I went to the bank because I knew that there was an error. The bank advised me they couldn't do anything, that I should just wait to get the XXXX check ( I never have ) and then call and see if they will waive the fee. I advised them that this was their error, I gave them the XXXX check and left. 
I withdrew all of my accounts from this bank due to problems with the branch and online banking on another account. It took a bit longer to close this account since it was the main one used, They have charged off this balance. ( I think it went up to XXXX or so ) I would like this cleared and the credit reports for me and my ex-husband updated.

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 2023-10-20
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I was wiring a money for a watch that was advertised on XXXX Called XXXXXXXX XXXX  for a watch for {$1500.00} When I send the money after 4 days he replied that the watch I wanted was sold and said he will give me another watch which is {$4500.00} but will give it to me for {$3300.00} since he missed up the deal on the first one. On XXXX XXXX I send {$2000.00} to complete the {$3300.00} since I already paid the {$1300.00} after 3 days I can not communicate to the person anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: TN
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:
My data has been confirmed by Equifax as part of their security breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: OR
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:
Equifax was subject to the largest data breach in history and my personal information is now compromised.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-21
Company: TRUIST FINANCIAL CORPORATION
State: OR
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I had a payment due on the XXXX of XX/XX/2023 and paid it on the XXXX of XXXX and they gave me a XXXX late payment, when its only been 12 days.

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 2023-10-21
Company: CAINE & WEINER COMPANY, INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am writing to delete the following information in my file. The item ( XXXX ) I need deleted are listed in the report. I am a victim of identity theft and I did not make the charge, I ask that the item ( XXXX ) are deleted in order to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the item ( XXXX ) as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-21
Company: Pivot Rock Solutions, LLC
State: CO
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/XXXX I was sent a letter stating Pivot Rock solutions, ( my debt handler ) was requesting insurance and be labeled as loss payee on my insurance. Claiming if they didnt they would buy insurance for me at XXXX XXXX a month. As I listed Pivot Rock solutions as a loss XXXX, my first payment on XX/XX/2023 did not have a program fee cost. On XX/XX/2023 I made a payment of XXXX $ had a charge of XXXX $ listed as program fee when asked at the time the attendant could not give me a valid description of the charge. The next month XX/XX/2023 a charge of XXXXXXXX XXXX on a XXXXXXXX XXXX payment. The latest payment of XXXXXXXX XXXX has a XXXXXXXX XXXX program fee that. when asked i was referred to a phone number and my deductible needed to be lower than XXXXXXXX XXXX and that I would have to figure that out with my insurance company. A debt collection agency should not have dictation of my insurance premiums as they are separate entities, much less pay themselves off of my money that is not going to the principal of the car.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-21
Company: Westlake Services, LLC
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
I had a car loan with US Auto Sales since XXXX but in XXXX my loan was transferred to a debt collection company known as Westlake Portfolio Management. I thought I had defaulted on my payments, but it was just because the company went out of business. The debt collection company told me that I still owe the full balance on my car, even after making a year worth of payments already. They told me that they do not have access to nor will they honor the gap contract from my previous car loan servicer US Auto Sales.

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