BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-30
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:
[ Your Name ] [ Your Address ] [ City, State, ZIP Code ] [ Email Address ] [ Phone Number ] [ Date ] Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Formal Complaint - Fraudulent Transaction on Cash App Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding a fraudulent transaction that occurred on my Cash App account on XX/XX/2023, resulting in a loss of {$2500.00}. Despite my efforts to resolve this matter directly with Cash App, the issue remains unresolved, and I believe it is necessary to seek assistance from the Consumer Financial Protection Bureau to address this serious issue. 

On the aforementioned date, I discovered an unauthorized transaction on my Cash App account, where {$2500.00} was fraudulently withdrawn without my consent. Immediately upon discovering the fraudulent activity, I contacted Cash App support and reported the incident. They initiated an investigation into the matter, but the investigation has been prolonged and inconclusive, with no refund issued or satisfactory explanation provided as to how the transaction occurred or who may be responsible. 

I have diligently followed all the necessary steps and provided all the requested information to Cash App throughout this process. Despite my efforts, the resolution has been unsatisfactory, leaving me without the reimbursement I am entitled to and without any clarity on the cause of the transaction. I have attached relevant documentation to support my complaint, including copies of transaction records, communication with Cash App support, and any other pertinent evidence that showcases the urgency of this matter.

I am seeking your assistance in resolving this issue and ensuring that appropriate action is taken against Cash App to rectify the fraudulent transaction and prevent such incidents from occurring in the future. I kindly request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take necessary action to protect consumers ' interests and rights. 

I am available to provide any additional information or documentation that may be required during the course of this investigation. I would also appreciate receiving updates on the progress of my complaint and any steps taken by the Consumer Financial Protection Bureau to address this issue. 

I genuinely believe that the involvement of the Consumer Financial Protection Bureau is crucial in this case to safeguard consumers and hold financial service providers accountable for their actions. I appreciate your attention to this matter and look forward to a swift resolution. 

For reference, the case # is : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-13
Company: U.S. BANCORP
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
This Monday ( XXXX ), we used ATM to deposit money at U.S. Bank on XXXX XXXX. 
I had my brother run an errand because I was working. 
But machine malfunction did not deposit money, and I did not get the money back. 
My brother went into the bank and asked the clerk while showing him the receipt. 
The bank clerk told my brother that there were several problems like this today. 
It will be deposited in a day. I came home believing that. 

However, there was no change in the bank account the next day ( Tuesday ) morning. 
I called the call center on the receipt, but I couldn't speak to the manager and the call center employee said the money to go in ten days. 


I asked you to deposit the money today because I needed it, but the clerk said no and told me to wait 10 days. 

When I asked a call center clerk if I could speed up the process, I was told that I couldn't guarantee it. 
I was so frustrated that I asked my brother to do me a favor.I asked him to go to the bank for me. 
( Because it was time for me to go. ) But equally from my brother who went to the bank, I couldn't get the answer I wanted. 
The bank employees said they would not be fined if they visit where they should pay ( here and there ) and explain the situation. 

I think it is wrong for them to make a mistake and pass on the damage to customers. 
This problem is worrying and discredited, time-consuming and they have to compensate in any way. 

I waited one day. Believed them, I visited the bank yesterday ( XXXX ) and I trusted them again waiting for another day again. 
Now I can't wait and not just follow them. 
They have to compensate enough and I'll get it about this problem.

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 2023-09-10
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:
The guy sold me 7 XXXXXXXX XXXX and I XXXX  him on the day of XX/XX/19 because he was a staff in XXXX XXXX, so I trusted him and send him money first. But he refuse to ship out my XXXX and not refund. He promised me to send me refund by XXXX, but he ghosted and not responded anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16
Company: EQUIFAX, INC.
State: TX
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:
In accordance with the Fair Credit Reporting act XXXX XXXX  Account # XXXX, has violated my rights. 

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 1666B : 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 2019-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
have contacted credit bureaus on numerious

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 2018-04-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
As I just stated in an email I sent to Bank of America customer service ( and which I also plan to articulate in a letter I'll be snail-mailing to BofA Chairman and CEO XXXX XXXX ), " As a patriotic American citizen, NRA Life Member and law-abiding XXXX owner, it disgusts me that a bank that calls itself " Bank of America '' is taking such deliberate and blatant actions to XXXX over legitimate firearms-related businesses and thus utterly disrespect the U.S. Constitution ... the fact that you dare to continue to call yourselves " Bank of America '' is a grave insult to real Americans. I have been a BofA customer on-and-off since XX/XX/1993, but it is now time for this business relationship to end, as I have no desire to be a customer of an entity that disrespect me and my fellow XXXX owners and tramples upon my rights. Please cancel my Bank of America credit card effective immediately. 

Sincerely, 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 2023-09-11
Company: AMERICAN EXPRESS COMPANY
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
American Express is reporting incorrectly on my consumer report. Per FDCPA its your responsibility to make sure all information you report is correct. These two accounts are in direct violation and so is the consumer reporting agency. I received a 1099C Cancellation of debt on both of these accounts and per the IRS publication it is now considered income and income isn't reported on the consumer report. You will find the attached forms.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Investigation took more than 30 days

Complaint:
I am a natural person and a federally protected consumer. On XX/XX/2021, Transunion received my notarized affidavit disputing fraudulent and adverse items on my consumer report. The original notarized affidavit letter is enclosed. 
Transunion negligence has caused me harm, since it has affected my ability to obtain new credit. In pursuant to 15 U.S.Code 1681b, I did not give Transunion written consent to report the listed items on my consumer report. 

Under the Fair Credit Reporting Act 15 USC 1681i ( 5 ) ( A ), you had 30 days from receipt of this letter to respond to my request for reverification of the erroneous items. Since I have not received a reply from you within these 30 days, the information was either inaccurate or could not be reverified, thus according to provisions 15 USC section 1681i ( a ), the items must be deleted immediately. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX I am a natural person and I am pursuing my legal rights under 15 USC 1681n, in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}. Who gave Transunion permission to furnish a consumer report with my personal private information? I did not give Transunion consent to furnish a consumer report with my personal private information. I am demanding that you produce a contract between I and Transunion showing that I granted you the permission to furnish this consumer report. If you have that information, have a senior executive send me a notarized affidavit stating that I granted permission to Transunion to furnish my consumer report.

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 2018-05-11
Company: Sterling Credit Corp.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I made both of my biweekly payments for XXXX together iao XXXX. My payments are usually XXXX every two weeks. I made it early this month so I didnt have to make it XX/XX/18. I got a bill in today saying they got my payment and I got another one due XX/XX/18 when I made both on XX/XX/18. This company has been a nightmare to deal with since they took over my loan. Rude reps when I call in and now this inconsistent billing stating I owe again when I do not for XXXX. I want this to be consistent and for the over billing to stop. I made my payment and feel harassed. I want this XXXX corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01
Company: AMERICAN EXPRESS COMPANY
State: UT
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:
I received an offer on an American Express card which indicated the following : Get a one-time {$65.00} statement credit by using your enrolled eligible Card to spend a minimum of {$250.00} in one or more purchases online at XXXX XXXX XXXX and in-store at XXXX XXXX XXXX XXXX, Just XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/2021. See terms. 

Upon visiting the website indicated I clicked the " Auto Services '' link in which provides an option to find a service center. Upon entering a zip code, I'm presented with recommended locations, which I visited one of the recommended locations on XX/XX/2021 and spend the required {$250.00}. Unfortunately, American Express indicated that the purchase was not eligible as it was not a XXXX XXXX. The only exclusion listed in the terms was XXXX XXXX XXXX XXXX which the location I visited was not. XXXX XXXX XXXX have a different website and services commercial/fleet vehicles as shown in this link XXXX XXXX XXXX. 

As I consumer, I felt I did my due diligence to visit the required website to find an an XXXX XXXX center. I'm not sure how as consumer would have been able to know that XXXX would recommend an auto service center that was not an actual XXXX service center. If there were other exclusion aside from commercial centers, it should be indicated in the terms and it should be clear enough that consumers can make a clear distinction on how to identify a participating location when visiting the website listed in the offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, 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:
I am filing this complaint for myself because I did not consent to, or authorize nor benefit from any of the following inquiries

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30
Company: Block, Inc.
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
I had been trying to sign into my cash app account and was unable to for a couple days there was something wring with the app and was told they where working to fix it so when i was finally able to XXXX XXXX my account i noticed all these unauthorized transaction on my account and i knew my money wasn't adding up so i disputed all of the transactions and they denied them so i asked for documents and i told them once I receive them amd my money im going to close out my account because i have had to many priblems frim them so instead they send one document out of 12 close out my account and say due to suspicious activity that goes against there terms of conditions because i asked for documents and then when i oook att the documents it says a card was present a duh it was used without my permission its places i have never even been like XXXX XXXX all these XXXX transaction XXXXXXXX XXXX XXXX  XXXX took XXXX like i just wany my money then they send me a replace card then closed my account because i told them i eas going to report them sbd thats why they being investigated now there supposed to be banked by XXXX but its really square

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30
Company: M&T BANK CORPORATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I called M & T corporate office on XX/XX/XXXX, & was specifically told by agent my account would not be closed.while dispute is still going on, I went to branch in XXXX to have all appropriate paperwork sent to appropriate dept. 
Eleven days later while trying to use my cc, vendor showed declined, so I called corporate office and told acct is slated to be closed next week & never received my paperwork from XX/XX/XXXX. 
Three hours later I go into XXXX Md branch to pull my own money, come to find out the XXXX XXXX branch closed it @ XXXX, after being told Everything I was told. 
XXXX XXXX told XXXX mgr check was put in mail. COMPLETELY LIED So next day called bank that closed adamantly refused to put mgr on phone, lied originally and told she wasnt even there BUT when corporate office called they spoke to her.

Adamantly refused to send my {$19000.00} out but no way to pay bills or no common courtesy for me to come in ahead of time before they put their grubby hands on my money.

Completely unprofessional and rude. 
Multiply lied to as well on several occasions

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 2023-06-25
Company: Experian Information Solutions Inc.
State: IL
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:
My Experian credit report dated XX/XX/2023 shows XXXX XXXX XXXX as verified. I don't know how they could have investigated, reinvestigated and then verified the account when I have a letter from XXXX dated XX/XX/2023 that states they closed my account and ceased collections, I have no further obligation regarding the account. The original creditor was XXXX Bank. The accounts have both been deleted from the identity theft I had happen. It is against the FCRA for a credit reporting agency to have inaccuracies on my credit report. This is wrong to report that an account is verified and accurate when indeed it wasn't. See attached letter from 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 2023-01-27
Company: Experian Information Solutions Inc.
State: MA
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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2022-01-04
Company: BANCO POPULAR DE PUERTO RICO
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Week of XX/XX/2021, I called almost every day to check on the receipt of a {$80.00} bank certified check for payment. I called several times and each time I was told that the check had not been received by the bank. It was not until XX/XX/2021, that a representative with the bank explained to me that the check had been received on XX/XX/2021. I then asked for a supervisor to call me regarding 4-5 other representatives stating that the payment had NOT been received. As I attempted to place a stop payment on the check, that is when the bank admitted that the payment had been received. Since then I have called 4/5 times requesting a supervisor to call me regarding the wrong information that had been given to me for several days by several different representatives. To this day, no one has called me back. Each time I am told a superior is not available and that someone would call be back in 24 hours or 48 hours. No call whatsoever. I will be sending my payments and do not want to be given wrong information and having to go to my bank to verity receipt of the payment via USPS. the employees there appear to be very nonchalant and need serious retraining.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-22
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
For years I have made numerous attempts to get Dept of EducationXXXX Navient to rectify the inaccurate information reporting to all XXXX credit bureaus pertaining to late payments on my students loans. Loan # 's 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 are all reporting as late for XXXX XXXX and XXXX XXXX. I previously spoken with representatives, supervisors and disputed with the credit agencies to which all resulted in findings stating the late payments were accurate. 

I finally was able to validate my accounts with a representative XXXX on XXXX/XXXX/XXXX at XXXX XXXX EST, employee code XXXX which she confirmed all of my loans were in a voluntary forbearance. From XXXX loans XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX were in a voluntary forbearance and from XXXX loans XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX & XXXX were as well. At no time were my student loans in a negative payment status for the time reporting on my credit report. 

I am requesting that you review my credit report, voluntary forbearance status and delete the negative payment history, which has been reporting negatively for years. The inaccurate information report to the credit bureaus XXXX and XXXX has negatively impacted not only my credit but also my life. 
I have made multiple attempts to have you resolve these issues and have been forced to file a complaint with the Consumer Financial Protections Bureau. 

I am asking since these loans have been consolidated that these accounts either be updated to reflect no negative payment history or they be removed from my credit report in its entirety.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: Westlake Services, LLC
State: GA
Product: Credit reporting, credit repair services, 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:
I called the XXXX  XXXX XXXX XXXX to advise them I did not apply for a loan with them and XXXX also Nowcom I'm not even sure what these are. When I called they asked me to call the credit bureaus to remove them in which I did and they are still on my credit file I did not authorize these companies to run my credit.

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