BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-01
Company: Square Inc
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
On the morning of XX/XX/21 @ app. XXXX. I called cash app customer service number that was listed on line regarding an issue. I called seeking help, however I got taken advantage of. I called because I sent my son XXXX $ via cash app and I asked him dd he receive it, he said no. So my first instinct was to call customer the service number. There is no way to reach out to any customer service representative through the app. There isn't a email connected to the company or a number connected neither, which led me to XXXX the number online. I called the number posted online, someone picked up, I explained to them what happened, then then told me that they would help me. They asked my name and the general information someone would ask to verify an account. They told me they see the issue and that I also needed to download an app called XXXX XXXX to help navigate me properly through the app. ( it allowed them to see my screen on my phone ) we went to customer support an other credible places in the app and then they told my to click on XXXX. and to click on the option of XXXX XXXX I wasn't sure what exactly what was going on because i'm not familiar with XXXX. so not only was I still out of the XXXX, now i'm being scammed out XXXX more dollars. at this point i'm getting upset because i'm noticing money being taken from my linked bank account. they were able to change the account number to my cash appp account from there end. I was in the process of hanging up, they told me that the money that was taken from my account would be returned along with the original amount of XXXX, XXXX if they can have access to my sons account. They got on the phone with my son my son verified his account as well they accessed his account as well and that's when they were able to take everything. They also scanned his I.D . and his face. ( This didn't alarm me at the time because these are things you have to do to verify your identity when you set up a cash app account. ) I then got upset and told them to give me my money or I was done. at this time I knew something wasn't right. They kept telling me that they were having technical issues that's why were having problems, and was having issues reversing the money. I told them that I have a cash app debit card if that would help that they could send it to. They said I would have to only go to a XXXX  ATM to receive my money, and that I will receive my money in full, cash, so my son and I drove to a XXXX machine on XXXX XXXX XXXX ( in a gas station. ) They gave us a code to put in and we also had to add XXXX additional dollars in order to active the XXXX machine.Of course it didn't work. I finally hung up and reported it to my bank and went to the police station shortly after that. And the police confirmed I was a victim of a crime.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-16
Company: EQUIFAX, 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:
This is my 21st endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX Balance Owed : {$510.00} XXXX XX/XX/

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-05
Company: TRUIST FINANCIAL CORPORATION
State: DC
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: Investigation took more than 30 days

Complaint:
I have 2 accounts with Suntrust, a mortgage, and home equity line of credit for my house. 
both accounts were on forbearance with the company due to covid with auto-renewal. 
I had my mortgage for 21 years and home equity over 10 payments were always on time. 
My mortgage got auto forbearance but equity without my knowledge was not extended. 
I did not get a notice. The bank reported to the credit as been late. I called the bank and I was told there was nothing they can do I needed to dispute it with the credit bureau and due to internal issues equity line did not get auto forbearance like the mortgage account. I made the equity line payments to bring the account current and on time with Suntrust but the credit report still shows late. This action brought my credit down significantly I am in process of refinancing this will affect my ability which I work very hard. I want Suntrust to reverse their action on the credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-09
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I paid for the first two quarters of real taxes to my town last XX/XX/XXXX. I informed my mortgage lender Santander Bank about it but the Bank went ahead and paid the taxes for the first quarter of this year. I informed my town about this double payment and it returned the amount paid by the Bank on XX/XX/XXXX. i do not have escrow account and asked the bank to refund the money back to me. till today i.e. XX/XX/XXXX, it did not return my money. This is Bank which charges exorbitant fees towards non-payments n late payments if we happen to do it. I want you to hold this bank also responsible asking them when they did get the money bank and the reason for its non-payment with stiff penalty n ask them to return my money with interest. 

Thanking you, XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Credit 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:
On XX/XX/2023 I received an email saying that my bonus reward of {$200.00} was applied to my account ending in XXXX. I believe this was the advertised promotion of {$200.00} applied once you spend XXXX  on your new credit card. I never received the credit. 

The email is attached and said : Bank of America. 

Your bonus reward has been applied to your account Credit card ending in XXXX Your bonus reward of {$200.00} has been applied to your account. Your award will appear on your monthly billing statement. Refer to your rewards program rules for redemption timing and options. 
Keep using your card for purchases in store and online, and continue earning base rewards. 
You can review additional details about your account in Mobile or Online Banking.

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 2022-06-17
Company: CBC Companies, Inc.
State: FL
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:
factual data Mortgage Reporters Contact info Address XXXX XXXX XXXX XXXX XXXX, OHXXXX  Phone number ( XXXX ) XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20
Company: Ability Recovery Services, LLC
State: MN
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I contacted Ability Recovery Services LLC in order to validate the debt which they say I owe with the letter that is attached to this message. In addition, I sent copies of the debt in the amount of {$1200.00} showing on my credit report and highlighted it. I sent this letter XX/XX/23 and still have not heard a response from them verifying the debt.

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 2022-04-03
Company: Experian Information Solutions Inc.
State: SC
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:
XX/XX/2022 - XXXX, Experian and XXXX. I am requesting the removal of all hard and soft inquiries that are older than two years old.

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 2023-11-08
Company: JPMORGAN CHASE & CO.
State: CO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
Loan was paid off in XX/XX/2023. I never received title or lien release letter. They said they sent it so I asked to receive a copy of it. They told me it would take XXXX days to receive. I spent over 2 hours on the phone with chase, escalating to supervisors. Was told first they do not keep copies of lien release letters, which is in violation of XXXX. Then told they would fax me a copy of the loan payoff letter, which does no good but I will take that. I was informed it would be faxed today. As of noon, no fax and no payoff letter. I can not sell this vehicle without lien release letter. Chase never released the lien. 

When I followed up with Chase auto to find out status of loan payoff letter, woman told me it would be faxed sometime today, even though I informed supervisor it was needed prior to XXXX XXXX I told the woman I was remaining on the phone until I received the letter. She hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-05
Company: Resurgent Capital Services L.P.
State: MN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
After filing a complaint on XX/XX/2023, i have noticed that XXXX XXXX XXXX continued to charge me after the account was closed, I payed off the Credit Card ending in XXXX with a {$300.00} Credit Limit. I did not ask for a {$500.00} Credit Increase I did not Approve a {$500.00} credit increase I did not Receive a {$500.00} credit increase the Credit card I have ending in XXXX is {$300.00} Credit Limit. I never asked, Received, Approved a {$500.00} Credit limit. XXXX XXXX XXXX Approved these transactions without my permission, I am being charged for a Credit Card with a {$500.00} Credit Limit, I never Asked, Approved, Received. After being Charged {$900.00} after the account was closed my, Information was sold to a 3rd party Debt Collector Resurgent who is associated with this Company/Organization, the Debt was charged up to {$900.00} dollars instead of a {$1000.00} anything {$1000.00} and above is Federal the tactic used in this measure is very unprofessional and have a life impact on me and many others in the world. I am not Responsible for a {$900.00} Debt that i did not Accrue have Access to Approve or Receive. I tried reaching out to XXXX XXXXXXXX XXXX after talking to them and explaining in a respectful manner its the same process representative hangs up on you while talking, I call back then you get an apology, i called today XX/XX/2023 hung up on me once she pulled up my account, The tactics this company uses is very unprofessional my my personal Data /Information is being used for profit without my knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-05
Company: GOLDMAN SACHS BANK USA
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX payment is incorrectly reporting late. The loan payment is due the XXXX of each month. The payment was made and processed through my bank account by the monthly due date.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-09
Company: Ability Recovery Services, LLC
State: TN
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I called to get information on my account and a woman by the name of XXXX Extension XXXX decided she wanted to have an attitude and yell and get smart with me. I asked her what her name was and she proceeded to say her name was XXXX, she then said " XXXX XXXX '' and hung up in my face.

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 2023-09-20
Company: Experian Information Solutions Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
After calling trying to freeze my account and securing my account they still haven't fixed it yet since XX/XX/XXXX I been calling them I gathered up as much screen shots I could get a hold of I honestly don't know what's going on I never received any money and me and my son 's social and out information is out there I'm in XXXX  housing trying to get a apartment and my credit is not helping I have a dead line XX/XX/2023 please help me

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 2023-03-02
Company: Experian Information Solutions Inc.
State: UT
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:
XXXX XXXX file number XXXX, XXXXXXXX XXXX needs to provide 100 % complete and accurate verification of the documentation submitted to the credit bureaus to verify this alleged debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
XX/XX/XXXX I sent money to XXXX {$50000.00} ( to help my nephew buy a house ) from branch of Bank of America, XXXX XXXX XXXX XXXX, XXXX, OR XXXX My nephew 's contract for the purchase of the house ended on XX/XX/XXXX.The representative of the bank, XXXX assured me that the money will be received no late thanXX/XX/XXXX. XX/XX/XXXX, I flew on vacation.During the vacation, I constantly checked the account online, but the information was only : '' processing '' .After XXXX I tried several times to call my bank branch, but could not connect with XXXX , which made my transfer, to get explanation. 
I returned from vacation on XX/XX/XXXX and went to the bank. XXXX explained me that the XXXX XXXX XXXX XXXX  XXXX need : date of birth, place of birth, passport number, National identifier, profession, country of citizenship and economic purpose of payment of my nephew. I gave them everything and transfer was send onlyXX/XX/XXXX.

If they were for me to demand this information immediately after I made the money transfer, or a few days after I would not have lost {$2000.00} dollars which had to be paid to sellers for moving the transaction on XX/XX/XXXX.

By the way, when I checked my bank on vacation they sent me advertising of various banking products to my account, but there was no information they need to complete a transaction. 
I ; m a valuable customer for the bank.On my account there is always a balance of {$70000.00}. In addition, the bank processed a lot of my money for 12 years while I'm a customer of BA. 
Therefore, I demand compensation of {$2000.00} for this issue. 
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 2023-07-19
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
today at XXXX XXXX  on XXXX XXXX I received a call from XXXX XXXX, tel XXXX that someone using my info identity is trying to purchase an auto at XXXX and I told XXXX this is a fake fraud and I never did this and had never tried this and they issued an reference number XXXX. Please help me and alert all credit agencies this is a an ongoing fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20
Company: Chime Financial Inc
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Chime is not taking responsibility for my funds being stolen iv sent over documents proving tgatbinwas not the one who made the transactions its been since XXXX since this happened chime is altering dates and claim numbers on my account denying me my funds and lieing about the dates of my claim chime ignored my concerns XXXX put me In The hole for XXXX $ iv been fighting them for years now they have erased evidence from f our conversations they told me due to date I was not eligible for credit although I showed them that I in fact did report this on time I need help getting chime to comply and do the right thing immediately plus iv stressed to them that my bills are due and how I lost my car and a home because of this whole situation

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30
Company: NAVY FEDERAL CREDIT UNION
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:
ORDERED NEW DEBIT CARDS FROM NAVY FEDERAL CREDIT UNION AND RECIEVED FAKE CARDS THIS IS THE SECOND TIME IN LAST TWO WEEKS FAKE VISA DEBIT CARDS HALOGRAM OF BIRD IS JUNK MAGNETIC STRIP IS A JOKE. 

XXXX XXXX XXXX DID SAME EXACT THING THEY COULDNT DISCUSS MATTER OVER PHONE SAID THEY WOULD ONLY TELL ME WHAT WAS GOING ON IF I WENT TO BRANCH SO I went branch CLOSED MY ACCOUNT Same day they still would not tell me why my pension check was not deposited half my check was pending they said.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
My monthly car payment with Bank of America is {$1400.00}. Since taking out the loan in XXXX of XXXX, I have made all of my payments and have never been over 30 days past due. 

On XX/XX/XXXX, I noticed thatI had an outstanding fees of {$230.00} on my statement and called to inquire why this was. Bank of America informed me that I was charged " late fees '' on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I requested that my due date be changed to reflect the days I've been making my payments and Bank of America honored the request by making my due date the XXXX of every month which will prevent late fees in the future. I requested that the bank waive {$230.00} in late fees as a one time courtesy given the fact that I have never requested a fee reversal in the past, that I have never been more than 30 days late, and that I changed my due date to prevent this from happening in the future. The bank was only willing to reverse fees charged on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX for {$89.00}.

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 2022-06-17
Company: Experian Information Solutions Inc.
State: MD
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 XXXXXXXX XXXX XXXX XXXX XXXX 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 an 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 explanation
Consumer complaint received 2021-11-08
Company: EQUIFAX, INC.
State: NJ
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:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation