BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-01
Company: Blackhawk Network Holdings Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
Ever since " Happy '' Cards have been more difficult to come by, I have tried to buy " XXXX  '' and " XXXX ( XXXX ) '' gift cards to shop at various merchants listed on the packaging. However, the quality of these gift cards is not as good and sometimes the cards have PINs with coverings that are hard to scratch off, that scratch off too easily ( thus removing the PIN ), or have already been scratched off before purchase. I bought a {$490.00} card on or around XX/XX/XXXX, but could not read the PIN to redeem the card. I submitted case XXXX to Blackhawk Network, which offered a refund. I submitted documentation on or around XX/XX/XXXX. 

I never got my refund. Instead, I got a total of XXXX e-mails. On XX/XX/XXXX, I got an e-mail that said : " Our team is currently working on your case XXXX and will provide you an update as soon as possible. '' Then, on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and today, XX/XX/XXXX, I got e-mails that substantially said the same thing : " Please allow us more time to continue working on your case, we are reviewing the information provided and the one on our system to give a resolution. '' It is manifestly apparent that Blackhawk Network is not actually providing any refund, and is just holding my money indefinitely. I reached out to Blackhawk Network a couple of times on other cases but just got canned non-responses. I want my money sent back to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22
Company: Square Inc
State: NH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
Received card which we never applied for - no phone numbers on the credit card to attached paperwork. Attempted to call Square and phone system is temporarily not available ( for the last 7 business days ) Emails sent every day with no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
XX/XX/2023 I deposited a check into my primary Bank of America account. I was told there was a second account in my name that I had not authorized. I told the bank representative to deposit my funds into my primary authorized account. Through an act of carelessness, the bank rep deposited the money into the wrong account. I spent the next 2 weeks calling the Bank Of America fraud department asking to have my funds released and the unauthorized account closed. A month later for reasons they failed to disclose Bank of America then froze my active checking account that I've had an used for 13 years. I continued to call. I provided every piece of documentation I was asked for. I went to my local branch seeking resolution many times in this matter. It has been 90 days and the unauthorized account is still frozen. Bank of America is holding approximately {$420.00}. In addition to freezing my funds into an unauthorized account, they are charging me a monthly maintenance fee that is eating away at the balance. My initial deposit was for {$440.00}.

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 explanation
Consumer complaint received 2023-08-11
Company: PENNYMAC LOAN SERVICES, LLC.
State: AZ
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
We started the process to remove my grandson name off our home loan. We were told on XX/XX/XXXX there were XXXX simple steps, which we complied, and then told that was an error on the company part. XXXX we were told we had to full credit qualification, and he had to sell the house to us. We paid the enitre large down payment. Since XXXX XXXX XXXX the company has been processig the assumption. We have turn in all required documents. In XX/XX/XXXX, we were told it was approved, but they were not at liberty to tell us why, but the finalization of the loan could not be processed for another 6 months. And they offerred to return our assumption fee. I feel the company was discremating aganist our age and the company also is in financial distress as shown on the internet, and we should not had to suffer for their financial position. We were not treated fairly and not treated with honesty. There was no other reason for us to get this approved, and have my grandson name removed. This was the only purpose for the assumption. 
I was given names of people in Management that might be able to explain. I left messages, but no return calls I have the large packet of emails they sent and all my documentation. I have all emails and full packet of approved documents

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22
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: Their investigation did not fix an error on your report

Complaint:
Dear CFPB, Im writing in to complain about TransUnion LLC. 

Please note that the Credit Reporting Agencies are now subject to Federal Consumer Financial Laws, including, among others, the FCRA and Title X of the Dodd-Frank Act, and related regulations including a ban on '' Abusive '' Acts or Practices. ( Section 1031 of the Dodd-Frank Act ) TransUnion LLC is in violation of Title 15 U.S.C Section 609 ( a ) ( 1 ) ( A ) FCRPA Title 15 U.S.C. Section 1681 and FCRA section 611 as evidenced by the follow exhibits attached. ( See attachments ) Accounts in Dispute : XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX # XXXX Inquiries in Dispute : XXXX XXXX US SM BUS ADMIN XXXX  TransUnion refuses to provide verifiable and validated proof as required by law and therefore must delete a charge off from XXXX XXXX XXXX  Account # XXXX. An erroneous collection account from XXXX XXXX XXXX Account # XXXX and Inquiries from XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

I have provided superior evidence that no debt exists backed by the Secretary of State of California UCC11. I have attached a copy directly from the Secretary of State of California. 

TransUnion blatantly and arrogantly disregarded my right to ensure that all accounts they post on my credit report are absolutely correct and accurate. They have never provided me any verifiable proof ( an original contract with my signature on it ) ever. 

This is seriously hurting my credit score and I have the legal right to demand Verifiable Proof or this item must be deleted! See attached proof of mailing and notarized documents that I mailed certified and also their response. Please see to it that the consumers rights are protected.

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 2021-03-22
Company: Paypal Holdings, Inc
State: MO
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Hello - I sold my XXXX XXXX to a personal buyer for {$19000.00} paid via Paypal. I tried to transfer the funds to my personal bank account and learned that PayPal put restrictions on my account and closed it reason without cause, as the transaction is legal and I supplied proof to them per their request. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I read that you could help if I filed a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-15
Company: LoanCare, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Our XXXX Property Taxes have not been paid. An escrow account was set up with our mortgage in order to pay for the property taxes and homeowner insurance. Amount available on our escrow account is more than enough to pay for the property taxes. Deadline to pay the XXXX property taxes was XX/XX/XXXX, and our mortgage was transferred from a company to another on XX/XX/XXXX. The previous mortgage company failed to pay within the deadline, and the current one is not paying it either despite several emails, calls, and a notice of servicing error since early XX/XX/XXXX, when we found out that property taxes were not paid. We never received feedback to our emails, we were told twice on the phone ( early XXXX, and then early XXXX ) that the taxes would be paid by the end of the month, but this was not done in both cases. Today ( XX/XX/XXXX ), the mortgage company solution is to offer to refund us money out of the escrow so that we pay the XXXX property taxes ourselves. But, this is not acceptable to us because late payment penalties have been building up since early XXXX ( ~ {$730.00} ), and we want these late penalties to be paid by the mortgage company who failed to pay our property taxes in time. 
We have been in touch with the county Tax office to explain the issue, we were notified that after XX/XX/XXXX, the issue will be handled by Tax Office to a law firm, and additional penalties and attorney fees will be due.

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 2023-11-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate accounts in my file. 
XXXX XXXX XXXX XXXX XXXX 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 2023-06-27
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
This is my XXXX 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 XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$5900.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance XXXX {$1600.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/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 2021-03-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Capital One has frozen all of my money and I do not have a dollar to my name. I am a self employed individual who does housekeeping for a living. They are telling me that I obtained a business loan and it went into a personal account. I operate my business under my name and social. I do not have a EIN number or a business name because it is not required under PPP rules. I need your help to try to resolve this before I file a lawsuit against Capital One. I am stressed wondering how I will pay by bills because I do not have a dime to my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My bank charged me over {$900.00} because of the fake check that was deposited through their branch. It was deposited in XXXX, and the bank charged me on XX/XX/XXXX. I immediately filed a claim, and the banker that was assigned to my claim ended up closing the case, even though it was impossible to miss that the transaction was a check fraud. 
After I've spent hour and days trying to escalate the claim they promised that my claim will be expedited and my claim assignee will call me back. She never did. 
The bank let the person committing the fraud to deposit and later cash out a check that had a fake signature, and they let the criminal to get away with it and the claim assignee wasn't held accountable for it.

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 2023-11-21
Company: United Collection Bureau, Inc.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
In the state of South Carolina I was experiencing continuous XXXX  XXXX from family members there and as a result I was XXXX XXXX homeless there and I had ended up getting a XXXX XXXX and also my personal documentation had gotten stolen by the exact same family in XXXX, South Carolina but I do think them stealing my personal belongings had something to do with this agency, the name of the first agency that kept repeatedly calling me was XXXX XXXX  XXXX  and the second one that is starting to spam call me is UCB and at first they said the amount was {$700.00} but now they are saying I owe them {$1000.00} and also they are following me and are calling places I would go to such as Homeless Shelters I would apply to and also Jobs I would work at and I know this because each previous employer or head staff would ask me XXXX do you owe anyone debt?!?! In a irritated manner, and I do think the collection agencies may have been threatening and using offensive language towards the people/places I would go to as a way of trying to intimidate/harrass.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22
Company: MoneyLion Inc.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
During the week of XX/XX/2021 I received in the mail a debit card from MoneyLion bank, a subsidiary of XXXX. The card was a fully useable chipped debit card with my full name and an account number on it. When I called the only number available for the bank they took my email, name, and date of birth ( I refused to give them my social ) and then told me they would be submitting this to their fraud department. The rep on the phone said my account would be closed but that she couldn't give me any more information. I requested that she let me know if anyone else name, email, or telephone number were on the account to see if there was identity theft happening and she refused to give me any information. She also refused to let me know if there was any money in the account or any other accounts/ loans linked or associated with it. I then asked her if I could have the telephone number or email for the fraud department to follow up and she refused claiming that they did not have access to that information. She also refused to put me in contact with a supervisor. I am unsure whether MoneyLion is a real bank or a scam. On the paperwork I received it says they are FDIC. I do not know if they sent me this card as a fishing tactic or marketing scheme. I do know that receiving this card and the response of their customer service has left me feeling incredibly uneasy. I also filed a police report as well as froze my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-07-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-04-28
Company: EQUIFAX, INC.
State: TX
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: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX  XXXX Balance : {$660.00} XXXX XXXX XXXX XXXXXXXX XXXX : {$37000.00} XXXX XXXX XXXX XXXXXXXX XXXX : {$43000.00} XXXX XXXXXXXX Balance : {$330.00} XXXX XXXX XXXX : {$460.00} XXXX XXXX  XXXX Balance : {$610.00} ATTYGENERL XXXX Balance : {$43000.00} ATTYGENERL XXXX Balance : {$36000.00} XXXX XXXX Balance : {$330.00} XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Balance : {$660.00} XXXX XXXX XXXX XXXX XXXX : {$38000.00} XXXX XXXX XXXX XXXXXXXX XXXX : {$44000.00} XXXX XXXXXXXX Balance : {$330.00} XXXX XXXX Balance : {$460.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
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:
before closing account, i was advise my balance will be adjusted to XXXX from {$3.00}. after 60 days, kept charging {$15.00} late fee foXXXX 2  consecutive months. every time i call them, they advise me to wait 7 days, and balance will be XXXX. as of 80 days balance still not XXXX, which impacting my credit score as well. please help me resolve issue with capital one bank. one of worst customer service i have ever faced, every time i call, i get customer service manager on phone, and same mistake and promise give to me. there is no manager or supervisor available to talk. i have called almost 15 time in 80 days to resolve issue and as of now its still not resolved

Company response to consumer: Closed with explanation