BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2024-01-22
Company: M&T BANK CORPORATION
State: GA
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:
On XX/XX/year> I Opted Out of credit reporting from MTB. They have NOT complied with the federal law and have not trained their staff to comply as well which is negligence on their part. 

For years I have been requesting that MTB opt me out from credit reporting, via notarized documents mailed via form XXXX 

The culture of MTB is to write letters stating that my requests are frivolous and they will not answer similar complaints.

I was able to find my original closing documents for other legal reasons and here is the disclosure that they refuse to send upon request or honor. 

see attached. it is XXXX dollars per violation per federal law.

And I am seeking compensation for 15 years of illegal reporting, late payments, balances, date open, and all private intimate information.

I have call recordings of when you dial into their employees they state that they can not stop reporting to the credit bureaus they MUST or they HAVE TO.

I have letters from MTB also STATING THE SAME AS WELL. Through complaints, i submitted through the CFPB in the past.

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 2024-01-22
Company: ALTERRA GROUP, LLC
State: TX
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:
Per Fair Credit Reporting Act FCRA as a FEDERALLY PROTECTED CONSUMER, I am now opting out of ANY AND ALL authorization, I the consumer may have given you written, verbally or unwritten or nonverbal per 15 USC 6802. 




Best, XXXX XXXX XXXX XXXX

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 2023-12-01
Company: Block, Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/2023 I was attempting to contact XXXX services for assistance on my phone. I called the customer service number provided via the internet. Unknown to me the number was not XXXX, it was a scam number. Thinking I was on the phone with XXXX i gave permission for " XXXX '' to access my phone to help me. In doing so I unknowingly gave scammers access to my bank accounts. They proceeded to send themselves XXXX $ from my bank account via Cashapp. Halfway through the call I realized that I was not on the phone with XXXX. At this point it was too late and they had already made the transaction. I immediately called my bank and Cashapp to stop this transaction. My bank responded saying I can not refute the charge until it processes. Cashapp put in a claim to start an investigation and said they would get back to me in up to XXXX business days. Today, XX/XX/XXXX, the charge processed with my bank so I called and refuted the charge. When I called Cashapp this morning they checked my account and said an email was sent with their decision. I never received any emails from them. I told them I received no emails and the representative responded by reading the conclusion. She said Cashapp denied my claim because the charge came from my account... yes the charge came from my account but NOT from me! It is an unauthorized charge and on top of that it is a hacker and a scam! I asked to refute this decision and was told I could not. I asked to speak to someone else, I was told I could not. I asked to speak to a supervisor, I was told there wasn't one. I asked for an email address to contact to refute this decision, I was told that there isn't one. There is NO WAY to get my money back. I am obviously VERY distressed that this is allowed. I was clearly hacked as the account the money was sent to is not an affiliate on my account. There are ZERO connections between my account and this person. I am floored at the absolute lack of assistance customers of the Cashapp platform are given. And how easy it is for hackers and scammers to get away with robbing Cashapp customers. There is no protection!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25
Company: CITIBANK, N.A.
State: DC
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:
I received defective furniture and Citibank is not allowing a charge back and is holding me fully liable for the purchase and I disputed within 60 days of purchase,

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 2024-01-25
Company: CITIBANK, N.A.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Now XXXX XXXX is not reporting my Citibank account. They tell me that it was deleted as a result of the complaint against 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 2024-01-25
Company: CITIBANK, N.A.
State: NY
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:
Earlier this month I submitted a claim by phone to Citi for a fraudulent purchase made using my Citi Double Cash Card account. The purchase was made on XX/XX/2024 in the amount of {$3200.00} at XXXX XXXX # XXXX in XXXX XXXX, NY. 

At the time I reported the claim, the Citi representative who was assisting me on the phone asked me if I still had the card in my possession. I responded that I did because I honestly believed I did still have it. I knew I had not dropped the card ; my wallet had not been stolen ; my pocket hadnt been picked, and I had no recollection of doing anything that would have caused me to lose the card. 

It was not until a few days later, when I went to use the card, that I realized I did not in fact have it. I then reported this by phone to another Citi representative and told her that I had been mistaken earlier when I said I still had the card. I asked her to note this in her records and she told me she had done that. 

I have now learned that my claim was denied because, since it appears that an individual had my physical card when they made the purchase at the XXXX XXXX, that I am presumed to be that individual. This is completely unjust. The additional information I provided to the second Citibank representative was completely disregarded. I am now told that I must pay the amount of {$3200.00}. 

I have had accounts at Citibank for over 20 years. I currently have two checking accounts, two credit cards and a debit card with Citibank. Over the years, I have had a mortgage with Citibank and two Citibank XXXX XXXX loans which I have fully repaid. I have been an honest, loyal Citibank customer for over two decades. I expect Citibank to believe me when I say I made a mistake in thinking I still possessed the card in question.

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 2023-11-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On XX/XX/2023 I sent 6 certified return mail letters to the following companies Capitol One, XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX. My accounts were charged off but i was not sent my 1099-C form for cancellation of debts. They knowlingly did so and filed it as cancelled debt instead of sending my 1099-C forms to me. All of said companies have not sent me my requested documents immediately. 
You received this form because a federal government agency or an applicable financial entity ( a creditor ) has discharged ( canceled or forgiven ) a debt you owed, or because an identifiable event has occurred that either is or is deemed to be a discharge of a debt of {$600.00} or more. If a creditor has discharged a debt you owed, you are required to include the discharged amount in your income, even if it is less than {$600.00}, on the Other income line of your Form 1040 or 1040-SR. However, you may not have to include all of the canceled debt in your income. There are exceptions and exclusions, such as bankruptcy and insolvency. See Pub. 4681, available at www.irs.gov/Pub4681, for more details. 
If an identifiable event has occurred but the debt has not actually been discharged, then include any discharged debt in your income in the year that it is actually discharged, unless an exception or exclusion applies to you in that year

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-20
Company: Veros Credit, LLC
State: CO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I recently was offered a XXXX XXXXXXXX XXXX  with XXXX in XXXX, Colorado. During my background screening it was brought to my attention that 3 older credit debt items included in a XXXX  XXXX bankruptcy I filed, has been relisted under a credit collecting company and were showing as current new debts, instead of showing included in XXXX  XXXX, with the original credit name, dates and amounts. 

The compliance department for HR for XXXX XXXX  requested details on these items, and this could potentially keep me from gainful employment. I am wishing to file this formal complaint and it is my request that all 3 credit companies remove those relisted old debt items that were included in my previous XXXX  XXXX filing, now showing as new debts in collection for XXXX, be removed immediately! 

Those companies are as follows. 

XXXX. XXXX XXXX XXXX- {$2300.00}, showing as a current charge off. 
XXXX. Veros Credit- {$6700.00}, showing as a current charge off. 
XXXX. XXXX XXXX XXXX XXXX- {$3400.00}, showing as a current collection item. 

I need this investigation to rectify this matter as soon as possible. I will use this complaint as proof of dispute as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-20
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Greetings, USAA has engaged in unfair deceptive and abusive acts and practices, also known as UDAAP concerning my USAA insurance policy. I have multiple services with USAA to include banking and vehicle financing. 
On XXXX XX/XX/XXXX, I learned that my USAA Auto insurance policy was cancelled without proper notice. This is alarming seeing as I had a payment arrangement with USAA that was discussed on XXXX XX/XX/XXXX. Specifically, I contacted USAA to advise that I needed more time to make a payment due to an unforeseen financial circumstance. I spoke with a representative who advised that I should make a payment by XXXX XX/XX/XXXX. The representative advised that if I could not make a payment, I should call back to see what options would be available. She indicated that she would update my account notating that information. On yesterday, XXXX XX/XX/XXXX I went online to make a payment only to realize that my policy had been cancelled. Over the last month, I have been XXXX for XXXX XXXX  and only had access to email. On XXXX XX/XX/XXXX, I received an email from USAA, but there was no indication or date stating that my coverage was on the verge of being cancelled. Last week, I returned from XXXX XXXX  to learn that my auto insurance was cancelled. When I spoke with a representative on yesterday, she was increasingly condescending and stated she could not find any notes from the last conversation Id had with USAA on the topic. I found that troubling and asked that they pull the call records to listen to the conversation. She stated that process could take up to 5 business days for that request, meanwhile, I was left uninsured and my consumer credit report impacted. I requested that my insurance be reinstated. The representative ran a quote that doubled my last premium with USAA. I am shocked. I am being mistreated and unfairly evaluated in this urgent matter. This is not right. On today, XXXX XX/XX/XXXX, the representative admitted that the phone call was reviewed and the payment arrangement was discussed. USAA never set up the agreement on my behalf. I told the USAA representative that I could not set up the arrangement myself which was why I contacted them for assistance. Today, the USAA representative was hostile towards me. The bottom line is she did not hear the phone call ( her supervisor did ) and she has no authority to assist and she continued to gaslit me about what was mentioned on the phone call. That representative refused to assist in any manner helpful in this already tense situation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29
Company: Paypal Holdings, Inc
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
I ordered from an online merchant using PayPal in XXXX for {$600.00}. The order required a signature from me upon delivery XX/XX/XXXX. I received an email notification that it was delivered at my residence while at work. I never received my package and with further investigation via XXXX, the package was delivered to the wrong address and they let a thief sign for my package. I have all the supporting documents stating the wrong address it was delivered to and the person ( thief ) who signed for it. I have exhausted all channels to get this matter resolved ; the merchant ( XXXX ), PayPal, XXXX, XXXXXXXX XXXX, in addition to calling the police outside the residence of the thief 's building in order to file a police report. The police did not file a report and told me to resolve the situation with my bank. I also filed complaints with the XXXX XXXX XXXX and The Attorney General 's Office. There is no accountability being taken and I don't have the merchandise nor my money reimbursed. If this is not resolved I will have to file a lawsuit against the merchant ( XXXX ), PayPal, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-20
Company: Trident Asset Management, L.L.C.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have wrong information on my credit account including my name phone and credit info that's in correct I have fraud stuff on there and stuff I nevered applied for as well I have inquiries that's not mines as well I have sent in info to the credit Buerus to get it removed and they nevered did need this look into to get my credit fix its really Messing up my life

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29
Company: TRANSWORLD SYSTEMS INC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
started in XXXX. I spoke to XXXX XXXX about buying some books so I can train cdl students. I was asked a million questions about me and where I worked and lived. I told them everything truthfully. I went forward on purchasing books, we agreed on a price, I gave them my cc information and then I got a statement from my credit card which did not match what my emails said I would be charged and it was a lot over the amount. I disputed it with my cc company and won. they told me to not contact this company about this it was handled. I heard from a guy in their office later. he said he would send me to collections. he obviously couldn't, now he is harassing my workplace saying that they owe the bill for the books. they made up a collections paper with he city of XXXX XXXX as the debtor. I never said I was purchasing for the city, I never told them it had anything to do with my place of employment. this is a very unethical business. I wrote them a cease and desist letter with the help of a friend that is an attorney and was told to immediately contact you about this and file a complaint. thats what I am doing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I have a checking account with Chase. I used their online bill pay to pay my mortgage each month. This month I made the mistake of selecting an old vendor for my mortgage. The account has not been active for several years.

When I noticed that I selected the wrong payee I informed Chase of the error within 24 hours. They refused to stop payment on the payment. In fact they made the situation worse by stopping payment on my payment of my mortgage to the correct payee ( XXXX XXXX ) XXXX 

From that point I have called almost daily trying to get Chase to return the funds to my account. I have escalated the issue multiple times. But the bank refuses to act even though they acknowledge they can not ascertain how the funds were sent nor whom received the funds. They are somehow claiming they sent the money where I requested. Given that I responded almost immediately and can verify that I made consistent attempts to stop the payment this is an obviously false statement on their part. 

The crux of the issue I believe stems from their inability to determine how the money was sent. I was recently told that this was not done by ach transfer but by check. If thats the case then my efforts to stop the check should have been honored immediately. 

Their first and latest statement was that I should contact the recipient payee, XXXX. This is fraught with problems as well. I have not had an active account with them for several years. When I initially contacted them several weeks ago, they informed me that they had no record of my account. Apparently they leased the name of mortgage bank to another entity. That relationship no longer exists. They were not able to help me locate the funds and suggested I contact Chase to get them to start an investigation. Obviously, I had already done that. 

I have reached out to my current mortgage bank, XXXX XXXX, to see if they indeed received multiple payments from me this month. They said no. They did inform me that the institution that owned my mortgage previously was XXXX. 

I have now called and emailed each of these institutions. I have reached out to bank professionals and attorneys. Each advise me that the bank is obligated to return my funds. 

None of the institutions has done so.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-20
Company: U.S. BANCORP
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Someone stole credit card out of mailbox and activated it and used it and they are trying to make me pay 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 2023-12-04
Company: General Motors Financial Company, Inc.
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the United States Postal Service ( USPS ). I am the primary complainant in this matter, and I hereby grant full authority to the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate and address this claim. Upon reviewing my credit report, I noticed that the account shows a negative payment status, specifically indicating that it's 30 days late. I would like to formally request that you furnish me with the proof of this late payment. If unable to do so, I kindly ask that you remove the negative payment status associated with the account. Your prompt attention to this matter is appreciated, and I respectfully request that you conduct a thorough investigation in line with the Fair Credit Reporting Act. I would appreciate it if you could provide me with the results of your investigation and an updated credit report reflecting the necessary corrections within 30 days of receiving this letter. GM FINANCIAL XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
XX/XX/2023 claim amount {$2700.00} claim # XXXX of unauthorized debit card transaction claim denied by Bank of America. XX/XX/2023 claim amount {$1300.00} claim # XXXX of unauthorized debit card transaction claim denied by Bank of America. I have contacted Bank of America numerous times regarding the unauthorized debit card transactions listed above but the bank has denied my claims and refused to provide documents of support. Im the victim of the ( theft ) unauthorized debit card electronic funds transfers.

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