BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-02
Company: Block, Inc.
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
In XXXX of this year, I used Cashapp to order groceries from XXXX with a charge of {$70.00}. I could clearly see my account go down to {$0.00}. Fast forward an entire month later, I wake up to a cash app notification saying that a {$70.00} payment from XXXX was completed. They had just taken money I had just received from relatives not XXXX hours ago.I had called their support and cash app claims that there was a " glitch '' that returned the money from the charge. Even though, my account remained at XXXX, they claimed I received the money an that they couldn't return the {$70.00} that they took from my account without any authorization or notification from me. After checking their recent reviews they've had multiple people have this " glitch '' and had cashapp pull money from their accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25
Company: EdFinancial Services
State: VA
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:
This complaint is regarding EdFinancial in regards to the Cares Act student payment refund made on all federal student loan payments from XX/XX/XXXX. I had to call two times because the first operator was unable to locate my payment history. My federal student loan provider use to be XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, but then my account was transferred over to EdFinancial. I have all the confirmation numbers and receipts for all my payments, but it took the second operator a while to find my payment history. I requested a refund for all of my student loan payments on XX/XX/XXXX at XXXX XXXX. No confirmation of request for the {$5400.00} amount was sent to me. EdFinancial is giving ranges of 150 business days to a year while other service providers are processing within 4-6 weeks and sometimes within 2 weeks. EdFinancial was fined for misleading consumers and they had a data breach too. I have called two times afterwards to check the status of my refund and they have no information to provide. They keep saying it will take up to 150 business days and each operator says something different. EdFinancial is so disorganized and not providing any status update on the refund request. It has been six weeks already since I made the original request and I still have heard nothing from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09
Company: Experian Information Solutions Inc.
State: LA
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 explanation
Consumer complaint received 2022-10-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Misc calls and mail about checking accounts being open, that I have no clue of i.e. Bank of America, XXXX and IRS stimulus payment

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 2022-11-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 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 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 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 2019-10-11
Company: GREAT LAKES
State: AZ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXXfor the amount of XXXX I volunteer to have the car return I was notified by representative at XXXX XXXX that they no longer have the car anymore they recycle the car as in they resold the car so I am not responsible for that debt but yet it is still on my credit report I tried reaching out to XXXX XXXX to discuss I left voice mail and and sent email no reply. Need to be removed. Also I only attended one school and that was XXXX XXXX XXXX XXXX is stating that I attended another school for XXXX University I never attended any Universities only community colleges. And XXXX College I never took out any loans.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Company: JPMORGAN CHASE & CO.
State: VA
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:
In XXXX, I was traveling in XXXX for a vacation and used my Chase XXXX XXXX credit card. On XX/XX/XXXX, I reported an unrecognized transaction dating from XX/XX/XXXX from XXXX XXXX for {$130.00}. 

Chase denied my claim on XX/XX/XXXX. I reported again that I did not recognize the transaction. Chase denied my claim on XX/XX/XXXX. 

I received a call on XX/XX/XXXX from XXXX in their fraud department. XXXX said the transaction was for car parts. I do not own a car, so why would I buy car parts? I asked the Chase representative for an itemized receipt. The Chase representative refused to provide an itemized receipt, and they ended the call. 

{$130.00} is a significant amount of money to me as an everyday American customer. If it was valid, I would recognize the charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25
Company: EQUIFAX, INC.
State: DE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
ATTENTION CFPB THIS IS NOT A DUPLICATE REPORT THIS COMPANY AGAIN HAS VIOLATED MY RIGHTS! 

In accordance with the fair credit act, this creditor has violated my rights. Under 15 usc 1681 section 602 states I have the right to privacy. 15 usc 1681 section 604 ( a ) section 2 it also states consumer reporting agency can not furnish an account without my written instructions. Under15 usc 1666 b a creditor a creditor may not treat a payment on a credit card account under an open consumer account as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14
Company: LAKEVIEW LOAN SERVICING, LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Since XXXX I received a letter from Lakeview confirming that my forbearace had ended and that I had to pay again or take up a payment plan ; On XX/XX/XXXX, I called and spoke with an advisor and chose between downloading the interest rate to lower the fee and / or lengthen the time and lower the interest, the advisor of the morgage company told me that they would send the two proposals so that I could choose the one that best accommodated, after that call call the XXXX XXXX XXXX XXXX XXXX XXXX  and XX/XX/XXXX and they always tell me not to worry that they will send the documents soon ; It seems to me that enough time has passed for them to send me the documents so that I can continue to pay my morgage. 
note : additionally since the month of XXXX I have tried to make payments for the page and it does not allow me because my user is blocked and what all the advisors have told me is that it is due to the arrangement contract process ; I think that is mi right to make payments and verify my account statement.

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 2018-11-06
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/2018, I noticed an unauthorized check had been paid from my Citizens Bank checking account. The check in the amount of {$390.00} was paid to " XXXX XXXX XXXX XXXX '', and was cashed or deposited at XXXX XXXX XXXX  XXXX. 
I have never heard of or done any business with " XXXX XXXX XXXX XXXX '' I called Citizens bank 's fraud department to report. The fraud department told me they would investigate, I would receive something in the mail to sign and return, and that I should close the account so no further charges could be made on it. I went to the bank to close the account immediately. Since the account was overdrawn due to the fraudulent check, I was not able to close the account, but asked the bank to make it a deposit only account. On XX/XX/XXXX, additional overdraft charges appeared on the account. I called the bank and they said that no hold, or change to the account had been made. This despite my going to a branch office in person to get that done. 
One week after that, I called to ask again about the status of the fraud investigation and the papers I was told I would receive ( but did not ). After being on hold for a while, I was told it was still being investigated and they had no new information. 
On XX/XX/XXXX, I called again, and was told it was still being investigated. The representative said the bank where the check was deposited had not responded to the inquiry from Citizens. 
Two days after that, I received a debt collection letter from Citizens bank regarding the overdrawn account. Receiving a debt collection letter make me believe that Citizens is not investigating the fraudulent check, and the bank may not  even be aware of the issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-01
Company: CMG MORTGAGE, INC
State: CA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XX/XX/XXXX REQUEST FOR REFUND OF EXCESS ESCROW FUNDS XXXX XXXX EXEMPTION ( PAST YEARS ) - NO REFUND RECEIVED AS OF XX/XX/XXXX CMG Financial A Division of CMG Mortgage , Inc. ( CA Secretary of State ID # XXXX & XXXX ) NMLS # XXXX XXXX XXXX XXXXXXXX XXXX NJ XXXX LOAN # XXXX I sent an email about when I should expect my refund ( s ) for {$1300.00} and {$1200.00} from CMG Financial who is my current mortgage company now. This request was made on XX/XX/XXXX. I called their office at the ( XXXX ) and also send a message on their website with a letter requesting this refund. This refund was created by me being a XXXX XXXX  and qualifying for a higher exemption. This higher exemption resulted in refund ( s ) owed to me for these amounts. Not Received Tax Refund for Overpaid Property Taxes for the Following ; Year XXXX - {$1200.00} & {$1300.00} = {$2500.00} Year XXXX - {$1200.00} & {$1300.00} = {$2500.00} Year XXXX - {$1200.00} & XXXX = {$2500.00} Total Amount Not Received = {$7600.00} This company CMG Financial Services Corporation services my loan for the tax years of XXXX, XXXX, XXXX. I have made several requests for my Escrow Overages be refunded immediately. No Refund for {$1300.00} or {$1200.00} which they already have in their possession, I have not received. I sat on the phone trying to speak to a supervisor. The customer service and their process doesnt benefit anyone but themselves. When I had an Escrow Shortage, they contacted me immediately to get their money and didnt care how I got the money. Not the shoe is on the other foot, they owe me this money and I need my money. This money has been sitting in my escrow account since XX/XX/XXXX. XXXX. I logged into my mortgage account to verify. Their service and their Process sucks!!!!! 

Other Names & Information Associated With ; ( XXXX ) XXXX cmortgage.loanadministration.com XXXX XXXX XXXXXXXX XXXX XXXX Loan Administration CMG Mortgage Inc - California Secretary of State - # XXXX ) MG Mortgage Inc - California Secretary of State - # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09
Company: Experian Information Solutions Inc.
State: NC
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 have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraud items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediately! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI
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 Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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

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 2022-11-09
Company: Berlin-Wheeler, Inc. (Kansas)
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The report included this language but XXXX and XXXX are neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedyand the bank 's records ( learned through more research both parties require ). Please block/remove this file. If you feel there are a possibility this account belong to me I require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. This account ( XXXX ) is unknown to me. Also, the information you provided on this account is DELETED from other bureau and I have doubts in their accuracy and the reported payment history on this account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 
XXXX XXXXXXXX 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 2022-11-09
Company: Early Warning Services, LLC
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Fraud or scam

Complaint:
Hello I did some exterior painting work for a supposedly investor turns out he was a scammer and got scammed XXXX $ of my own money through zelle. Deposited a check and did a transfer and the whole check was refunded and lost the XXXX $ as well didnt think anything of it was all from some work I did. Deposited the check last tuesday XX/XX/2022 and today XX/XX/2022 the money was taken out of my checking account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09
Company: Experian Information Solutions Inc.
State: CA
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 XXXXt this account 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 reason 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 15 U.S.C 1605 Determination of finance charge 15 U.S.C. 1681s-2 ] Responsibilities of furnishers of information to consumer reporting agencies During Late 2021 early 2022 Ive sent off a goodwill letters advised by my lawyer, spoke with management during Covid 19 times is when mostly everything accrued tried to set up arrangements. Ive gotten no compassion no nothing but them violating my rights.

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 2022-11-09
Company: TOYOTA MOTOR CREDIT CORPORATION
State: DE
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
I keep receiving calls from Toyota financial about my XXXX payment for a 2021 XXXX XXXX. I have talked to customer service numerous times. And told them I traded the truck for a new XXXX XXXX. I told customer service I am not the owner of the truck anymore. They have received the check from the dealership from where I traded the truck into for the correct payoff amount. Toyota is refusing to cash that check because they say they need the odometer statement from the dealership that I traded my truck into. I have told them multiple times to call the dealership on themselves and take care of this problem because it is not my problem it is theres they have told me that they have. And have gotten no answer from the dealership. I have tried myself, and I do not know if the dealership has responded at this time. Toyota financial is still holding me responsible for payment for a truck that is sold and they have a check for this problem needs to be taken care of immediately and thats what these complaint about.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08
Company: EdFinancial Services
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
On XX/XX/2023 I attempted to make a payment on all of my loans. Payment was " received '' for only 7 of my 9 loans despite there being enough money in the bank account used. Additionally, the payment was never processed on the bank side so it is unclear what Edfinancial is doing. They have not been helpful over the phone or via email. I repeated payments but they are still processing. In the mean time interest has accrued despite the fact that i attempted payment because their system " glitched. ''

Company response to consumer: Untimely response