BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-08
Company: TD BANK US HOLDING COMPANY
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
There was fraud on my account and the company is investigating it but said could take up to 3 months. Because of the fraud the company locked my account which is fine but I moved and changed my address, phone, and phone number and they are not allowing me back into my account to see the account status. They won't update my number or address in the system and said they will mail a letter to my old address and won't do anything about it. I went in person to prove my identity with my lease and license and they won't do anything. I had fraud regarding XXXX XXXX and XXXX and they gave me provisional credit which I still don't have access to for 3 months.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-08
Company: Block, Inc.
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
Cashapp has been down all day today. Meaning myself and thousands of other people don't have access to their funds. I had money sent to me today and haven't been able to access the money. The money was for dinner for my children and gas to get to work. It's XXXX and I haven't fed my kids and I had to call out from work. There are no real updates being given from cashapp as to when our funds will be available. This is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24
Company: Freedom Mortgage Company
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage was recently transferred to Freedom Mortgage Company from XXXX, the PMI had been removed last year when my loan dropped below the 78 percent mark. Freedom Mortgage added the PMI back to my loan even through it was at the 75 percent loan to value ratio and refuses to return the money that they erroneously charged me for the past three months. This should not have happened since PMI automatically cancels at 78 percent under the Homeowner 's Protection Act of 1998. I have contacted them multiple times to try and resolve the issue to no avail.

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 2022-03-20
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I just reviewed a copy of my credit report and found the following information to be an error. XXXX XXXX bank. I am a victim of identity theft and did not make these charges. I reported the theft of my identity to the Federal Trade Commission.

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:
Hi, I applied for the SAVE Repayment Plan via the studentaid website on XX/XX/2023. The studentaid website shows that EdFinancial has received and processed the application. 

However, EdFinancial 's customer service representatives has no record of this application from XX/XX/. I have the form that studentaid 's website provided, I resubmitted it to edfinancial however their current processing time for applications submitted directly to them is ~7-8weeks. 

I would accrue interest during this time. Based on the status shown below my application should have been processed by XX/XX/XXXX. 

The current status on the studentaid.gov website is as follows : Application Created Application Submitted Application Review Application Processed Your loan servicer ( s ) has ( have ) completed their review of your application. 

Screenshot for this attached along with my original application that was submitted through studentaid.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-17
Company: JPMORGAN CHASE & CO.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I was payed for a service via personal check. However, I believed I was scammed and my account was closed but I was not informed why exactly it was closed. Another account was opened for me but I was unable to access it. Due to me being locked out of my account, the Chase team members were not able to give me much details on what exactly went wrong and why my account was closed. I don't understand why I was able to open another account but not be able to use it. I have been a member with Chase since XXXX and have never had any issues prior to this. I am a college student that opened the account for my college checking and savings. I'm in the dark about all that is going on and just want to find a resolution. I have no prior history of any company account closures or anything like that.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-20
Company: TRUIST FINANCIAL CORPORATION
State: DC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We paid off a mortgage held by SunTrust Bank on XX/XX/2022. By letter dated XX/XX/2022 SunTrust acknowledged it owed us return of a mortgage escrow. SunTrust merged with Truist at some point in XXXX and has yet to ( as of XX/XX/2022 ) refund the mortgage escrow balance of {$8000.00}. We have tried repeatedly to reach them to discuss but have been unable to reach anyone to help even after waiting on the phone for multiple hours. I understand under 12 CFR 1024.34 the bank is required by federal law to refund the escrow balance in 20 business days, which time period has passed. I need help getting Truist to refund this escrow balance as they appear unable and unwilling to respond to their customers directly.

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 2022-12-17
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Fraudulent collections account. 

i viewed an open apartment years ago they then called me about an existing balance I asked them how they couldnt give a direct answer. 

i have never done paperwork business with this company i only viewed an apartment here.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX : # XXXX, XXXX XXXX # XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) : # 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 am writing this due to non-compliance with the ( XXXX, XXXX, Transunion ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law. 

There are invalid inquiry entries on my credit reports that do not belong to me. I have contacted Transunion, XXXX  and XXXX  on many occasions in effort to mitigate the misinformation. These inquiries are severely effecting that which would otherwise be considered good to excellent credit ratings. I am a business owner. it is my desire to obtain business credit but am hindered by this mishap. The inquiries must be removed immediately.

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 2023-03-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 fair credit reporting act, The account listed below has violated my federally protected consumer rights to privacy confidential under 15 USC 1681. 

XXXX XXXX Open/closed Closed Date opened XX/XX/2019 Account type Charge Card ( Can't seem to find the full account number for this ) 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 an account without my written instructions.

15 U.S.C 1681 c. ( A ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse items of information, other then records of convictions of crimes witch antedate the report by 7 years 15 U.S.C 1681s-2 ( a ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer report agency if the person knows or has reasonable cause to believe the information is inaccurate

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 2018-01-08
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid 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:
I had a citibank Credit Card ending in " XXXX '' In XXXX way back in XXXX which I hardly used, I migrated to United States in XXXX and there are lot of fraudulent transactions on that card which are not authorized by me. I just went to XXXX after 8 years and came to know that Citibank has made a huge bill on my credit Card and have ruined by credit ( Credit is known as XXXX in XXXX XXXX. I also filed a police complain over there regarding this and submitted it to the Citibank in XXXX but Citibank does n't want to take any action, they are not helping me out and this greedy company just want to take out money from me. 

I even spoke with the Supervisor of Citbank customer care " XXXX XXXX '' back in XXXX, but he is just giving excuses and doesnt want to help. 

I want Citibank to waive all the balance and also clear negative report on my Credit ( 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 2023-09-08
Company: Block, Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet

Complaint:
I am writing to express my extreme frustration and concern regarding an issue I have been experiencing with Cash App today. 

Today, at approximately XXXX XXXX, I initiated a transaction to load money into my Cash App account. Typically, this process is instant, and the funds are available for use right away. However, it is now XXXX XXXX, and the funds have still not appeared in my account. This delay has caused me significant inconvenience and distress. 

In my attempt to resolve this issue, I have taken the following steps : 1. I reached out to XXXX customer support, and they confirmed that the issue lies with Cash App. 
2. I contacted XXXX XXXX XXXX, and they also verified that the problem is related to Cash App. 
3. Upon searching for information about Cash App today, I discovered that there have been reports of Cash App being down. 

My frustration is compounded by the fact that I tried to contact Cash App customer support, but the phone number provided on the back of the card directed me to use the app for support. Unfortunately, due to the server being down, I can not access the app or get the help I desperately need. 

I understand that technical issues can arise, but the lack of communication and transparency in resolving this matter is deeply concerning. I rely on Cash App for various financial transactions, and this unexpected delay has disrupted my financial plans. 

I kindly request that you investigate this matter urgently and provide me with a resolution as soon as possible. It is essential that the funds I loaded are credited to my account without further delay. 

I appreciate your prompt attention to this matter and hope for a swift resolution. Please reach out to me to provide updates or request any additional information you may need. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20
Company: Source Receivables Management LLC
State: FL
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:
The company Sources Receivable Management has yet to respond to the request sent via US mail on XXXX XXXX, 2023 to provide the following : Original contract with wet signature, name, address, DOB. An invoice does not properly suffice as a method of validation. This company continues to violate my consumer right by adding false information to my credit profile. I have made several attempts to request the this debt be validated correctly and this company has failed to provide me with the requested information. Please remove this erroneous information from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20
Company: Bread Financial Holdings, Inc.
State: TX
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:
opens were open fraudulently, and without my knowledge. they are affecting my day to day life.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Hello, On XX/XX/XXXX, at approximately XXXX XXXX  - XXXXXXXX XXXX  I contacted bank of america and spoke to a woman in Texas. I told her very clearly to transfer {$14000.00} from credit card ending in XXXX to the card ending in XXXX. Despite my repeated attempts at communicating this, she still somehow managed to mess up and transferred it the other way around. Because of this, I had to clarify how she transferred incorrectly and the call took more than 30 minutes longer and likely had multiple inquiries within my account because of the representative 's mistake. I would like these inquiries removed from my account as I should not be penalized for them, despite my many attempts at clarifying the transfer, the representative still managed to mess up. Please feel free to check the call log and check the recorded call to see how this unfolded.

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 2020-12-30
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have been disputing incorrect late payments with the bureaus since XX/XX/2020. At that time, I did not receive any responses from the bureaus letting me know the status or if they were even investigating my disputes. So I sent another set of disputes to the bureaus on XX/XX/2020 to request the investigation again. I do not feel that I was ever a full 30 days late on any of my accounts and my personal records do not indicate this either. It is now XX/XX/2020 and I still have absolutely nothing. No investigation was undertaken, no verification was made, and no response was sent. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08
Company: PLS GROUP, INC
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
Employee inside of the PLS check cashing location on XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CA ; decided to wrongly label my paycheck of {$4000.00} from XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Pay to myself XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Date XX/XX/XXXX. The day before on Sunday I got to the place and was told to wait until the next business day. They took a copy of my paycheck and drivers license and stated to return the next day to cash the check that they will call me to come up there to finish the check cashing process. On XX/XX/XXXX Monday I returned to the the PLS between XXXX - XXXX and tried cashing my check. After handing my check to the female that stated she looks like me my driver license that why she in there to stole my paycheck. Unlawfully withhold hold my paycheck stating once I left with my paycheck, she will be cashing it and keeping my money. She fused to cash my paycheck and hand it back to me. Stating Im the companys payroll employee of my company. The police was called to receive my paycheck back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08
Company: JPMORGAN CHASE & CO.
State: RI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited a settlement check of {$2100.00} on XX/XX/XXXX through a drive up ATM and it was put on hold until XX/XX/XXXX. I called them right after the deposit and they told me to wait until next business day because according to their system there was no hold and to call them in the morning if it is held. When I called in the morning I was transferred to a representative that would remove the hold. I was told that the hold couldnt be removed until the XXXX. I just dont want this money to be held for longer than that and Im worried it will be, due to hearing stories from friends about their checks being held for more than 3 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-17
Company: CL Holdings LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I had opened a phone account with XXXX XXXX in XXXX. I stopped paying on the account in XXXX ( exact date unknown ) when I lost my job and could no longer afford my phone. Eventually, the account went to a collection agency in XXXX I believe. However, my credit report shows the collection account was opened in XX/XX/XXXX but that is not correct. That may be when the account was sold to the current agency, but the account was originally reported in XXXX and therefore, is too old to appear on my credit report. I have disputed this with XXXX several times but the issue remains unchanged. I have contacted XXXX XXXX to obtain only the dates of which I opened my account with XXXX and the date of which the account was closed due to non payment. The representative I spoke with refused to provide this information to me because I was no longer a customer and was told I would need to contact the collection agency with any questions I had. However, if I reach out to the collection agency, this will restart the time for which the account will appear on my credit, another XXXX years. I am submitting this complaint against XXXX XXXX for the fact that they refused to provide me with information pertaining to my own account after providing requested personal identifying information to verify my identity. As a consumer, I should be afforded the courtesy of accurate information requested while investigating my own account information. Instead, I was treated unfairly and spoken to in a manner that was highly disrespectful. I believe XXXX XXXX is withholding information pertaining to my account unlawfully and I want this investigated immediately. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have been disputing incorrect late payments with the bureaus since XX/XX/2020. At that time, I did not receive any responses from the bureaus letting me know the status or if they were even investigating my disputes. So I sent another set of disputes to the bureaus on XX/XX/2020 to request the investigation again. I do not feel that I was ever a full 30 days late on any of my accounts and my personal records do not indicate this either. It is now XX/XX/2020 and I still have absolutely nothing. No investigation was undertaken, no verification was made, and no response was sent. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes.

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