BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-10
Company: Block, Inc.
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
On XX/XX/23 I signed up for a ( 2 ) Square POS account and payroll services, for my local XXXX XXXX XXXX XXXX XXXX After a week of collecting funds and tips for my XXXX, I submitted a request to transfer the funds in the amount of {$880.00} into my checking account. I received a notification that I would receive funds within 2 days. On the 4th day I reached out to square because I still had not received the funds. After being on hold for 45 minutes waiting to speak with a live person. A Square Rep was unable to tell me where the funds were or why they were not in my account. On day 5 I was told that the funds were taken to settle a past debt. This made no sense because I was a new customer to the system and had no previous account with them. After sending in documents verifying my business and all requested information. I was told that the error had been corrected and I would receive my funds next day. Same day I received a call from my credit union stating that there were ( 2 ) fraudulent withdrawals attempts made from my checking account and that my bank had been blocking them. I was completely unaware of this because it was the same amount that was due to be deposited into my checking account from the earnings and my employee 's collected tips of my XXXX XXXX. Not Only had this company held on to my funds, but they were attempting to remove additional funds from my checking account. I have been unable to process my company 's payroll or issue funds that have been tipped out to my employees because they are not releasing my funds. I have provided them with their request. I have been getting 2 different stories from Square1. the issue has been resolved and my balance will be deposited next day. 2. Its under investigation with a special department, a department that doesn't have it own line. I have emails of the account is in good standing, then emails stating that its being reviewed both within the same day. All while attempts to withdrawal funds unknown and fraudulently from my credit union take place.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23
Company: OPTUM BANK, INC.
State: PA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I have an Health Savings Account with Optum Bank through my former employer. After leaving my job, I was mailed a notice, dated XX/XX/2023, which included a Truth In Savings disclosure that quoted a {$0.00} monthy account maintenance fee that was described to " now apply to your account. '' However, I have been charged a monthly maintenance fee of {$2.00} on XX/XX/2023, XX/XX/2023, and XX/XX/2023. 

I wrote a letter to Optum on XX/XX/2023 and did not receive a response. On XX/XX/2023, I wrote an electronic message to Optum and received a reply that was not responsive to my concern. The message stated that " Our records show the plan you're currently associated with has a {$2.00} monthly maintenance fee '', however the company 's response did not address the information I provided regarding the disclosure I received over mail that quoted a {$0.00} fee. 

Attachments : Letter from Optum dated XX/XX/2023. 
Letter to Optum dated XX/XX/2023. 
Electronic communication with Optum Customer Service on XX/XX/2023.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02
Company: Lendmark Financial Services
State: SC
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:
On XX/XX/XXXX there was an unknown hard inquiry on my XXXX credit report showing that someone tried to get a personal loan from LendMark Financial S using my name. They also knew my address and my current employer as well. I did not take out a personal loan at all. Now its showing on my credit report as a hard inquiry. I found out that the person did this in XXXX SC

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02
Company: JPMORGAN CHASE & CO.
State: NV
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:
I have not been over 30-days late, but it shows that I have on the credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have contacted account resolution services a couple of times in the last month and on XX/XX/2022 to have my debt verified. I have also sent out a debt validation letter on XXXXEach time I have contacted I'm presented with a service for a fee to dispute the debt which is not what I am asking for. I've been trying to have the debt information verified once it is a valid debt I wanted to proceed with making a payment for deletion. I have not been successful upon doing so. I just want to move forward.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XX/XX/2023 transunion is violating my rights by not honoring my letters that I authorized to be sent in by a XXXX  party.

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: TD BANK US HOLDING COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I opened an account with TD Bank and set up my Direct deposit. Before I got my direct deposit, I had 2 transactions. The first was me cashing out on XXXX XXXX, and sending the funds to my mother XXXX XXXX through XXXX. The next was my mother sending me {$1000.00} Through XXXX  and me attempting to add it to my XXXX. The payment was declined and the following day my account was closed. Now i can not open another checking account. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02
Company: Resurgent Capital Services L.P.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
LVNV FUNDING LLC XXXX Have contacted me several times and got no answer. They've contacted my wife several times asking her to verify information. If the account belongs to me why don't they know the information they are asking for. I feel harassed. They call whenever and try to talk to you rough as if they are demanding. This account does not belong to me and by law after 4 months this account can not be sold to another debt collector. I feel as if my rights are being violated and this creditor is hurting my credit & my ability to obtain new credit. Also in accordance with the Fair Credit Reporting act # LVNV FUNDING LLC XXXX Account XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX 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. I want all the attached accounts to be removed from credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Please be advised, Im currently on XXXX XXXX and my payments are current. But for some reason Florida Department of Revenue is reporting the account as a charge off. This is wrong. Account number 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 2022-12-15
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Company name : Resurgent/ Lvnv Funding. 

issue, this company continues to violate the fair Credit reporting Act and the Fair debit Collection Practice Act.

This Collection company As well as the original creditor received my request to investigate this account as fraud a number of times. The problem is that every time I ask them to conduct a investigation, the credit reporting agency would open the investigation and 10 mins later I would receive a automatic response saying that my request was made in error. 

Everytime that I have to do this, takes away from my original request to have this investigated. 

more then enough information was provided to the company and to the credit reporting agencies to have this fraud account removed months ago. 

I feel that my rights are being walked over on. 

If you look at the screen shot of XXXX, it clearly shows that they are not keeping accurate records with my file. there are multiple names and addresses not mention the employer information shows companies that I have not worked for. 

in addition, XXXX XXXX is trying to collect on this account twice.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
XXXX and Transunion are reporting that I owe XXXX to XXXX. I disputed the debt. XXXX  XXXX could not verify the debt. XXXX XXXX has stated to me that the accounts should be removed from my credit reports. The accounts have not been removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23
Company: Chime Financial Inc
State: MI
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:
My wallet was stolen and 18 transactions at the same merchant were used in a 45 min time frame totaling XXXX dollars. And it was clear that it was unusual transactions and they are denying my claim

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I have a Capitol One Business card. On XXXX, my credit limit was cut in half for no other reason than I don't use it all. I have had a business card with a XXXX credit limit with another cardholder for years. A few years ago I moved to Capitol One as they offered a card with the same credit limit. I do not spend anywhere near XXXX, in an average month, but I need to keep the higher credit limit in case of an emergency. My business is such that I could easily end up with an emergency bill for $ XXXX {$10.00} and I need a card with that credit limit for such emergencies. This is the second time that Capitol One has cut my credit limit for no other reason than I don't spend that much. I ALWAYS pay on time, I keep the card paid in full, and my income level has not decreased. So, there is absolutely no reason to cut my credit limit. If I qualified for the XXXX credit limit last month, I still qualify today. This happened once before, and I was able to simply restore it. But this time, they refuse to restore it back. I attempted to call customer service and the agent was very unhelpful. Did not offer any help or resolution and flat-out refused to do anything. I need my credit limit restored and locked in place. If I don't pay my bill or there is a valid reason to drop it, then fine. But it needs to be locked in place otherwise. I do hope to never have to use the full limit, but I do need it to be available in case of emergency. 

My credit limit needs to be restored and never again adjusted " because I don't use it all. '' I need a business card with a XXXX limit in order to have it available for emergency use if needed. If Capitol One can not provide that, I will close both cards I have with them and move to another company that will provide that.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01
Company: SELECT PORTFOLIO SERVICING, INC.
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage company ( SPS inc. ) doubled the escrow ( {$15000.00}, Escrow AnalysisXXXX pdf file attached ) since XX/XX/2022. So, I contact the company to claim this with a document from the county tax information ( {$7800.00}, Real Property tax.pdf file attached ). But, the mortgage company keep saying the double amount for the escrow ( Escrow Analysis-XXXX pdf file attached ) even we showed the document from the tax department. Mortgage company said they paid the double. So, I contact the tax department to figure this out, but the tax department said they never get the double amount for the escrow. And, mortgage company keep saying " Just Wait '', and they put the all money to my mortgage payment since XXXX. What shall I do to fix this?

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
Company: Maximus Education, LLC dba Aidvantage
State: CO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Today, XX/XX/XXXX, I called AidAdvantage and requested to know my payment count. I had already consolidated my federal loans a long time ago. I am on the XXXX XXXX XXXX. I have been in repayment since XXXX. I believe that I qualify for forgiveness and that I should at least be given a payment count. Aid Advantage is not able to provide any information on my status, and the agent gave conflicting information. In the meantime, I am being asked to resume paying, with interest accruing, while many of my colleagues who have been in a similar situation ( payment for more than 20 years ) have already received notice of forgiveness.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-29
Company: Experian Information Solutions Inc.
State: GA
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:
I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized, and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report, and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission 's Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.

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 2022-11-02
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I received a call from Chase bank at XXXX XXXX on XXXX saying there was fraudulent wire transfer. I was asked to sing into any desk and chase. The person sent XXXX to XXXX XXXX in Florida. Chase said it is not fraudulent activity and won't help me

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09
Company: U.S. BANCORP
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I purchased XXXX prepaid XXXX 's each for {$100.00} dollars on XX/XX/22 at XXXX. After purchase I gave them to people and was immediately notified by all people that none of them worked. 

I spent several days and a lot of hours calling Gift Card Services ( The number on the back of the cards ), I was told that the cards " Could not be validated ''. I tried to dispute the transaction with XXXX XXXX ( My credit card that I purchased these with ), and they said that XXXX provided proof that they loaded the cards. I spoke to XXXX 's Corporate office, the told me to go back to the store and speak with the store Manager. The Manager said to contact XXXX. XXXX said that I needed to talk with US Bank National Association. And US bank sent me to " Marketing Solutions '' who does not answer their phone or return my voicemails. 

No one has been able to assist me, and {$1200.00} is a lot of money for no one to care that I never received what I paid for. It has now been 30 days, this is ridiculous. I would never purchase pre-paid cards ever again.

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 2023-10-29
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/XXXXXXXX XXXX XXXX I sent a letter to Experian in reference to late payments that were reported to all three of my consumer reports. I requested that the late payment be removed from all of my consumer reports. The company is in clear violation of the law. Under 15 USC 1681b permissible purpose of consumer reports. They refused to remove the late payments. They reported late payments for 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 2023-10-24
Company: Climb Credit Inc.
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I lost my job in XXXX XXXX  in XX/XX/2023. Anything that has been saved up was spent on rent, car, insurance, and all other bills including my XXXX loan. I have been in contact with XXXX on the phone and Climb Investo through email and they only offered me a total of 6 months at a lower rate to delay the inevitable. When I asked for more help they told me if I can not make the payments then I WILL HAVE TO LET THE LOAN DEFAULT!! This gives lots of credibility to those who believe XXXX is trying to destroy people 's credit as they also listed on their website that even bankruptcy may not help you from their loans! Now I still have no stable income and my minimum payment to XXXX is {$1000.00} a month. I have also reached out to my school at the time, XXXX, for help all the way back in XXXX. They said they would file a case but have not given any progress updates since then.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-25
Company: Experian Information Solutions Inc.
State: WA
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: Problem with personal statement of dispute

Complaint:
I sent a dispute letter on the reporting on certain accounts. They are reporting inaccurately and reporting one account that does not belong to me nor they can verify. This has been an ongoing issue for the past couple months and they keep saying its verified without giving me proper documentation and reporting inaccurately. There is XXXX XXXX  auto loan they kept saying verified with no documentation, XXXX XXXXs that I do not own and reporting inaccurate, inquiries that I mentioned that werent authorized at all and they could not provide and proof of documentation. Medical bill thats being report with an unknown source no name to the company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03
Company: Experian Information Solutions Inc.
State: MN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I had a mortgage with XXXXXXXX XXXX They sold my mortgage to XXXX XXXX. This resulted in my credit report tanking over XXXX points. Both credit bureaus say this is normal and my credit should bounce back in 3 months or so. I do not accept this. I did not authorize or ask for my mortgage to be sold. If XXXX wants to sell my mortgage that is fine, but these types of transactions should not affect my personal credit score. That score is used for insurance rates, loan rates, etc. I should not be penalized for transactions that are beyond my control. This complaint is about Experian and XXXX and how credit is reported. A mortgage being sold should reflect that way so credit bureaus can properly report. I shouldn't have to pay a higher rate on a loan because my score was showing low due to something completely out of my control.

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