BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-25
Company: Block, Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I am the XXXX for XXXX XXXX XXXX XXXX. In XX/XX/2023, I set up an account with XXXX for credit card processing and on XX/XX/2023, I processed a payment for one of our customers. A few days later I got an email from Square stating that our account was suspended/deactivated and they would not process any more payments. The email referred me to their web site which had a lot of information on why the account might be deactivated, but nothing I could find was a reason for our deactivation. The email and online portal for Square said our funds were on hold for 90 days and they would be transferred to our bank account on XX/XX/2023. As of today we have not recieved the funds from Square. I can see the balance in the portal but the date of the transfer changes every day to the next day. And all of the transfer options are greyed out. I have called, emailed, and used their chat to try to get someone to help me. I can not get a person on the phone, I have tried many times, and every option refers me to the web site. The same with the chat option. I have responded to the email they sent me many times, ususally with no response back, or a canned response that didn't answer my question. The amount of the credit card sale was {$4000.00} and the amount they are supposed to transfer to us is {$3800.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
15 US. Code 1681c-2 a consumer reperting agency shall block the reporting of any Information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in Violarion o this law because i am a victim of identity theft!! please delete these items IMMEDIATELY. These accounts should not be furnished on my consumer report as they are in VIOLATION under, 15 U.S. Code 1681b

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 2023-11-15
Company: AMERICAN EXPRESS COMPANY
State: CT
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:
Hi, I used my Amex credit card to purchase service from XXXX on XX/XX/XXXX. On XX/XX/XXXX, I saw there is a charge of {$150.00} from XXXX on my Amex credit card statement. Since I no longer want the service and did not want recurring charges, I tried to ask for refund from XXXX. XXXX said this charge is nonrefundable, so I filed a dispute through Amex. Amex. Amex refused to credit back my statement. My first payment with XXXX was on XX/XX/XXXX via XXXX XXXX, it was a one-time charge for the whole year service, and I did not agree on recurring charges. I hope CFPB can help me get my money back ( in the amount of {$150.00} ). My Amex dispute case ID is XXXX. Amex did not investigate the transactions thoroughly and is not trying to resolve a customers issue. 

Best, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-08
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: IL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My wife and I were diagnosed with XXXX XXXX XXXX. 
Early XXXX my wife was diagnosed with XXXX XXXX XXXX XXXX. Later in XXXX I was diagnosed with XXXX XXXX, XXXX Score XXXX 'Aggressive ' XXXX XXXX. My wife began XXXX XX/XX/XXXX. I had a XXXX XXXX XX/XX/XXXX. During my recovery I suffered XXXX XXXX XXXX. Before being released from hospital for that diagnosis I suffered a massive XXXX. Needless to say, our income for XXXX and XXXX were lower than normal. My wife ended XXXX XX/XX/XXXX. I was released from physical therapy XX/XX/XXXX. 

In XX/XX/XXXX, I made a request to obtain a conventional mortgage from BMO/Harris but was advised by BMO/Harris to renew my HELOC. I attempted to do so, however, our income was deemed too low as we are both XXXX-XXXX. We defaulted XX/XX/XXXX and continued to make regularly scheduled payments. We applied for Equity Line Reset Program XX/XX/XXXX. We were denied XX/XX/XXXX. Our account was turned over to BMO Loss Mitigation XX/XX/XXXX. 
We have never missed any payments. We have no auto loans or recurring credit card debt. 
We were placed in Forbearance while I attempted to secure a mortgage from other lenders. I was told by BMO/Harris that I would need approximately {$800.00} per month more in income to be approved. I requested an IRS approved monthly XXXX distribution from an IRA I own which paid over {$900.00} per month. We were placed in a second Forbearance and ultimately denied a reset to our HELOC. We had not missed any Forbearance payments. 
I found a portfolio lender that approved us for a higher interest rate mortgage and received a professional appraisal valuing our home at {$320000.00}. I wrote BMO/Harris requesting an extension so we would be able to close on this new loan. The extension was denied and Harris placed us to collections and filed with the court for Foreclosure. I was advised by Harris collections to stop making further payments on the HELOC. 
The new mortgage was then denied and Foreclosure is now pending. 



Documentation available upon request.

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 2021-03-17
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Problem with product or service terms changing

Complaint:
THESE PEOPLE AT EXPERIAN TRY TO EXTORT ; PEOPLE INTO EITHER BUYING PROTECTION YOU DON'T NEED OR THEY FAIL TO RESPOND TO PROBLEMS. 

I ONLY NEED TO TEMPORARILY LIFT A FREEZE SO THAT MY CREDIT UNION CAN CHECK THIS XXXX REPORT. I TOLD THEM CHECK XXXX OR XXXX XXXX RATHER THAN GO THROUGH THIS XXXX. 

BUT NO, THEY HAVE A " CONTRACT '' WITH EXPERIAN, AND THAT EXPLAINS IT. THEY ARE SO XXXX CHEAP AND THE SERVICE FROM THIS COMPANY IS HORRID. I CALLED SEVEN TIMES AND THE CALL GOES AROUND IN CIRCLES. YOU ARE KEPT ON HOLD FOR THREE MINUTES AND THEN THEY DISCONNECT IT. 
NO MATTER WHAT YOU CALL. 

I WAS ON CHAT AND IT KEPT HOLDING AND HOLDING AND THEN FINALLY THEY DISCONNECTED ME. 
THIS IS SO THESE GREEDY, PATHETIC XXXX CAN EXTORT WE CONSUMERS INTO PAYING FOR WHAT WE SHOULD BE GETTING FREE. THIS PEOPLE XXXX UP AND GOT HACKED AND NOW THEY WANT US O JUST DROP WHAT EXPERIAN OWES US FOR THEIR XXXX UP IN LETTING OUR PRIVATE INFO GET HACKED. 
PLEASE WILL YOU CONTACT THESE GREEDY XXXX AT EXPERIAN AND TELL THEM I AM TRYING TO NO AVAIL TO CONTACT THEM, BY PHONE, BY CHAT AND BY EMAIL AND THEY ARE DELIBERATELY AVOIDING THE CONTACT. IF THERE IS NOBODY THERE, THIS COMPANY NEEDS TO DISSOLVE ITSELF.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-17
Company: Bread Financial Holdings, Inc.
State: PA
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:
I did not authorize anyone to use my information or to be given to a third party. This is an unauthorized and fraudulent account which was opened without my consent as I never gave permission for this to be opened under my name. I did not agree to any membership, loan or credit card. My personal info had been used to process transactions and open an account under my name without my knowledge. I never gave authority to open such account. It is not authorized and I have never given permission for it to open and charged. I am a victim of fraud and theft. Please remove this account from my credit report, all of the inquiries, and block them from placing these unauthorized account on my credit. I have requested multiple times for verification of this account and send out disputes on the following dates : XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020 but Ive had no responses. Ive sent out requests to the credit bureaus. This willful neglect has not only caused much financial hardship, but is a direct violation of my rights under the Fair Credit Reporting Act. I need help in this situation because I can not refinance many loans I have or obtain new lines of credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18
Company: OneMain Finance Corporation
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
My card was closed by mistake Im trying to get it reopened and I didnt want it closed.. I just apply and was approved And Im asking the bank to reopen this credit card thank you so much

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
We refinanced with XXXX in XX/XX/2022. The loan is mortgage only. We pay for insurance and taxes directly. In XX/XX/2022, In XXXX, I noticed that my mortgage payment would be put into Unapplied Funds and taken out and that a late fee was attached and removed. Thinking this is odd, I called XXXX and learned they imposed this escrow representing homeowners insurance because they thought I didn't have it. I sent them a copy right away for XXXX ( you can tell the save doc on the attachedpdf ). the next time I check my paperless statement, the escrow is still there. So I call again to learn they needed the policy year prior, XXXX. Again I provide it to them right away. While I provided the documentation, they do not remove the escrow account which is causing my payments to be treated as late because they are not receiving the full amount due in their eyes. How they handled the payment I sent was to deposit it into an " unapplied funds '' account. 
I called them a lot and got a different person every time. Each one would say " Well you owe the escrow '' and I would explain the situation, be put on hold for a long time, and get the same answer that it would be fixed. Finally, XXXX person around XXXX got the escrow removed. For some reason, the company then sent me the amount of {$110.00} representing XXXX month 's escrow for the homeowners ' policy they instituted that was never needed. Again in calling, I learned I had to pay them back for this in order for the XXXX payment to process on time. While I thought I had this wrapped up once and for all, they reported XXXX as late and imposed a late fee. I have tried vigorously to get someone to change the status on my credit report but to no avail. I believe that calling them is a waste of time and an invitation to further stress and aggravation. I NEED HELP. My credit has been negatively impacted and the timing is horrible because I need to buy a new car but can not because my credit is in " XXXX '' status when normally it is XXXX and above.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-17
Company: Paypal Holdings, Inc
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Paypal Account Limitation So I was notified on about first week of XXXX that my paypal account was limited and they requested for additional documents to verify that account belongs to me. I submitted their requested and waited. After few days, I got another notification that my account to limited permanently, they did not mentioned the reason why my account was put into limitation. So I called the customer service and explained the situation and asked why my account it put into limitation and i have submitted the documents they requested and still not solved. I also asked the reason why it was put into limitation and the customer service told that they can not disclosed the reason with me and i had to wait 180 days to access my funds if there is any and my account will permanently limited and i won't be able to use paypal anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14
Company: Square Inc
State: VA
Product: Credit card or prepaid card
Sub-product: Payroll card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
i went to make a purchase in XXXX florida with my cash app payroll card and it should of had XXXX on it but it only had XXXX on it i contacted cash app and they said they would look in to it as of yet i have not heard anything i have been calling daily and it has been since friday XX/XX/2021 i dont know what to due i am on the verge of being homeless please help .Mr. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
, there is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be BLOCKED and DELETED. My request to block is not being made in error ; nor is my request to block is being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. 
The identified transactions are not information related to any transaction by me as the consumer. 

Based on 15 U.S Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft not later than 4 business days after the date of the receipt It has been 30 days and you are in violation of this law because I am a victim of identity theft! please delete these items as soon as possible! 

These accounts and inquiries should not be furnished on my consumer report as they are in violation!! Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTIONS of the consumer to whom it relates. 
I never gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY. 

PLEASE DELETE THESE ACCOUNTS IMMEDIATELY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX PLEASE FCRA law 15 USC 1681 I have not given written permission to put anything on my credit profile have violated me pursuant to 15 USC 1681 B the permissible purpose of Consumer Reports you have no permissible purpose by law to contact third parties with my private and personal information your offenses amount to aggravated identity theft pursuant to title 18 USC felony punishable 1028A in addition to civil liability up to {$1000.00} per violation you are also in violation of 15 USC 1692 my instructions are for you to delete these accounts immediately. 
PLEASE AND THANK YOU.

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 2023-10-07
Company: Mr. Cooper Group Inc.
State: LA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
I am writing to file a formal complaint against Mr. Cooper Group Inc., a company engaged in mortgage services. I believe it is crucial to bring to your attention the persistent issues I have encountered in my interactions with this company. While I am not disclosing personal information such as my name, address, or account number, I am providing relevant dates and names of representatives involved. 
My complaint revolves around ongoing communication and document discrepancies related to my mortgage account with Mr. Cooper. Despite numerous attempts to address these issues with Mr. Cooper representatives, the matter remains unresolved. 
Key details of my complaint include : * Ineffective Communication : * Date : Since my first contact with Mr. Cooper. 
* Mr. Cooper representatives, including XXXX on XX/XX/XXXX, repeatedly assured me of resolution but failed to maintain communication. 
* Document Discrepancies : * Date : Ongoing. 
* The loan documents contain an inaccurate " legal property description '' that does not reflect my property, specifically omitting the house structure. 
* Unresponsive Customer Service : * Date : Throughout my interactions with Mr. Cooper. 
* Despite multiple emails, voicemails, and responses to automated calls, Mr. Cooper 's representatives have not addressed the core issue. 
Additionally, I wish to inform you that an additional letter was sent to Mr. Cooper via XXXX on XX/XX/XXXX, requesting correction of the legal property description so that my loan accurately reflects the home I reside in. This correction is essential for signing the loan modification documents and initiating payments on the modified loan. The UPS tracking number for this letter is XXXX, and it was received by Mr. Cooper on XX/XX/XXXX, at XXXX XXXX Signed by : XXXX. 
I can not determine if this company is extremely disorganized and simply can not keep track of this issue or if they do not understand the issue. I WANT TO AND I AM ABLE TO PAY MY LOAN! I SIMPLY NEED MY LOAN TO ACTUALLY DESCRIBE MY HOME AND NOT AN EMPTY LOT AS IT DOES NOW!!! 
I kindly request that the CFPB forward this complaint, along with the details of the additional letter sent via XXXX, to Mr. Cooper Group Inc. for a swift resolution. I believe that intervention from your agency is necessary to ensure the appropriate corrective actions are taken. 
Thank you for your attention to this matter. I trust that the CFPB will facilitate a prompt and satisfactory resolution.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17
Company: EQUIFAX, INC.
State: NC
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:
I sent correspondence to each bureau on XX/XX/21 disputing inaccurate items and as of today over 50 days later I have not received a response notifying me of the investigation. I feel like I'm on a hamster wheel disputing this inaccurate information. In researching how these inaccurate items appeared on my report I discover my information was impacted by the Equifax data breach. Now more than ever I feel my information has got into the wrong hands. I also researched it is illegal by US law inaccurate items be deleted. Your assistance is greatly appreciated

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09
Company: ALLY FINANCIAL INC.
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I Have made multiple payments on my car loan and the finance company returns my payments and is charging me late fees on purpose

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 2023-06-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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:
Hello my name is XXXX XXXX my social # is XXXX I'd like to ask if you can delete any negative impacts on my credit file under law FCRA ... collections ... late payment or any derogatory items please.Thank you.

Company response to consumer: Closed with explanation