BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-04-03
Company: Ceannate
State: WA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I am re sending the letter dated on XX/XX/XXXX and is " Not a Duplicate '' question that was marked on XX/XX/XXXX. I making the complaint because I have not received a break down of fee 's assigned to this account # XXXX ; CFPB Complaint : XXXX while at XXXX, a Ceannate Company before sending off to my servicer that is assigned now. I need a break down of Principal amount, Interest, collection fees or any other fees that were assigned to this account before it went to my servicer. The letter attached did not include this for my review and my understanding of all fees is not clear of the amount owing. 

Please forward me a copy of this so I can review.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05
Company: EQUIFAX, INC.
State: CA
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 noticed that i have been a victim of Identity Theft for a few years now. ( XXXX XXXX ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( XXXX XXXX ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! I can not accept this!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-14
Company: NAVY FEDERAL CREDIT UNION
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
Navy Federal Credit Union LN XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX XXXX & XXXX XXXX We have had many issues on this short sale file that need to be addressed. Please be aware that we have already spoken to the VA about this file : 1 ) Documents sent to the negotiator XXXX XXXX XXXX at her request have been sent multiple times and have disappeared and have needed to be resent. Does Navy Fed not have a document management system for its loss mitigation purposes? 

2 ) Requests made once the NOV was returned on the property ( we will discuss the issues with getting the VA appraiser into the house later ) seem to be outside of VA guidelines and include : a ) Cutting the commission to 5 % ( we have confirmed with the VA that this request was not made by them and a 6 % commission is within their guidelines. 
b ) Removing the seller side title insurance from the estimate -- - also NOT a VA guideline c ) Removing the Natural Hazard Disclosure fee ( which is required by the State of California that the seller provide for the sale ) NOT a VA guideline. 

3 ) We have never been able to get ahold of the negotiator, nor has anyone in your front end. Now we know that this can happen when file loads are high, but when the VA appraisal was ordered and we showed up to let the appraiser in someone had changed the locks. We called Navy Fed with the appraiser present and was told that XXXX would contact the VA and find out who went out as no sticker or notice was placed on the property. Two weeks went by with us continually calling into Navy Fed asking who had gone out there to change the locks and we were continually told that the negotiator was following up with the VA to find out -- - we have been told that that never happened. To add injury to insult, we received a call from Navy Fed asking us if the appraiser had gotten in a week into this ordeal when I asked if anyone had read the notes or contacted the VA I was hit with silence. In the end, we, not Navy Fed, were able to track down the third party vendor hired even though the vendor had not labelled the property. 

I would like to know the following. 1 ) Why are documents being lost multiple times 2 ) Why on a VA loan are guidelines not being following ( is Navy Fed reporting to the VA that those funds were charged against the NET and then keeping the money? It may sound crazy but both XXXX and XXXX XXXX tried similar schemes and were caught ) 3 ) Why no communication? If your employees dont have time to work the files, just tell us you are backed up. Please dont lie to us about making calls to investors that never happened.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13
Company: Block, Inc.
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/2023, I saw an XXXX XXXX XXXX  on XXXX. My mom wanted a new XXXX because her previous one stopped working. I found one listed for {$220.00} and contacted the seller. She told me that it was not her XXXX and she was just helping her friend sell it. She gave me her friend 's number and I reached out to her about the payment method. She claimed that CashApp had some kind of buyer protection, so I sent her half the payment ( {$110.00} ). The next day, she said that her mother was worried that I would not pay the rest, so I kindly paid the full amount. She promised to ship it on Monday and asked for my email address, which I gave her. After that, she blocked me. 

I reported this scam to CashApp, but I have not heard anything back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: Block, Inc.
State: NM
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/2023 I transferred {$500.00} to my XXXX checking account from my cash app account. I got a notification showing completed, but three minutes later I received a notification on cash app that the transfer was declined by XXXX XXXX XXXX XXXX CA. I have been in contact with both Cash app customer service and XXXX Customer service. XXXX customer service explained to me that they have no pending transactions of {$500.00} on their end which makes sense since the {$500.00} was declined XXXXhree minutes after the initial transfer that showed completed. I disputed my case to cash app showed proof and was declined to be refunded for my {$500.00} which clearly is a clerical error on their behalf. All I want is my {$500.00} back its been well over 7 days and I'm at a loss of {$500.00} that disappeared into thin air with no help or resolution from the main source which is cash app.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05
Company: XOOM CORPORATION
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
I am writing to express my frustration and disappointment regarding the lack of refund for a transaction made through the XXXX app. The transaction ID in question is XXXX, and the amount involved was XXXX XXXX This payment was made as an emergency admission fee and was supposed to be refunded, as promised by XXXX customer support. 

Despite numerous attempts to get in touch with XXXX through various channels, including the app store, XXXX, and customer support email, I have yet to receive a response or any indication that my issue is being addressed. I have provided all necessary information and evidence related to the transaction, but there has been no follow-up or communication from XXXX. 

I am extremely disappointed and frustrated by the lack of action taken by XXXX to address this issue, particularly given the urgency and importance of the payment involved. As a loyal XXXX customer, I expect a timely and satisfactory resolution to this matter. 

I urge you to take immediate action to refund the transaction in question and to ensure that similar issues do not arise in the future. I look forward to hearing from you soon and receiving a prompt resolution to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-07
Company: Prosper Marketplace, Inc.
State: DC
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with additional add-on products or services

Complaint:
A company called Prosper is sending me multiple, unsolicited loan offers and I would like them to stop. In fact, XXXX and other financial institutions also send repeated junk mail offers that I must tear up and/or shred to prevent identity theft. 

Prosper has a number to call to opt-out of the offers ( XXXX ), but they require giving out my social security number, which I do not want to do. 

Junk mail like this is not just a nuisance, its a time drain and stress creator. How can I stop these companies from accessing my credit report, intruding on my privacy, and attempting to prey upon my debt? 

Thank you. 
XXXX XXXX XXXX XXXX P.s. the website for Prosper is SaveWithProsper.com.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-05
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: Information belongs to someone else

Complaint:
I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items is 100 percent true, accurate, correct, and is not untimely, unverifiable, incomplete, or inaccurate. Please delete this items and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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 2021-01-05
Company: Early Warning Services, LLC
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Confusing or missing disclosures

Complaint:
transferred money from XXXX  XXXX XXXX  account to XXXX  XXXX XXXX account I got an email saying someone sent you money, but for some reason it is now going to take 1-3 business days despite in the past it was done same day. I have transferred money between these two accounts in the past.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Some recent identity theft has caused me to look deeper into my credit report. I have attached a screen shot of fraud alerts on all 3 credit bureaus. During this process I have noticed several inquires I do not recognized and are UNAUTHORIZED. Two of them being by Capital One marked XX/XX/XXXX and XX/XX/XXXX on my XXXX and XXXX report. I tried to contact Capital One directly through certified mail on XX/XX/XXXX. The letter was mailed to the mailing address listed on my credit report. I have attached the certified receipt. It was delivered to Capital One XX/XX/XXXX via certified mail. It has been over a month and I have not received a response from them. Thus I am assuming they have no such documentation to pull my credit. I do not recall giving anyone at your company permission to pull my credit on XX/XX/XXXX or XX/XX/XXXX. I did apply for credit with your company on the aforementioned dates. Please respond and include a copy of the application, datedXX/XX/XXXX and XX/XX/XXXX, my signature giving you permission to pull my credit, as per the FCRA. The application must state that I agree to give your company permission to pull my credit report. If you do not have an application with my name and signature on file, you are required by law to immediately contact the credit bureaus and remove the hard inquiry from my credit file. If you argue that the approval was given over the phone, then I expect a print out of the full details of the conversation be sent to me, as well. If you argue permission was given through an other company I expect you to provide documentation of that too. I have attached a FTC advisory opinion as to what is considered permissible purpose and what is considered " written instructions '' that are required by the FCRA. I request you provide documentation to meet this criteria. https : //www.ftc.govXXXX Thank you for help in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 strongly desire not to have this on my credit report. It is not belong to me. It is fraud!

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 2021-01-16
Company: Shellpoint Partners, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage company is forcing me to escrow for property taxes, even though I have already paid for property taxes. A property tax escrow was not a part of my loan agreement. I have called numerous times to complain and get the escrow removed / refunded, but they will not move. They continue to hide behind their " processes '', but in reality, they're holding my money XXXX in an escrow that was never agreed to and not needed ( since I already paid the county ). 

This has been a terrible experience. Every person I have spoken with, including the manager, has given me a run around. I have wasted so many hours on this problem and there is no end in sight. I'm extremely frustrated with Shellpoint.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-14
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Experian received a dispute by certified mail with return receipt XXXX sent me correspondence that they are not honoring my dispute which is against the law.

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 2021-01-15
Company: I.C. System, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Account was closed and removed from my credit report In XX/XX/XXXX. Now it is being opened again stating it is owed beginning XX/XX/XXXX which is Not accurate.

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 2018-03-13
Company: ALLY FINANCIAL INC.
State: HI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
Please reference complaint number XXXX When asked how this could be resolved I left out that I need to make sure my credit is restored and does not show late payments that they accused me of since they had lost my check.

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 2023-10-12
Company: Block, Inc.
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/XXXX I attempted to cash out {$1100.00} to my XXXX checking account /debit card linked via Cash App ( formerly Square XXXX XXXX Block , Inc . 

The money did not deposit to my account, and the transaction showed the money was instantly deposited to XXXX XXXXXXXX XXXX. I do not have XXXX  XXXX XXXX & immediately knew my account was compromised as the money did not go to my account, but instead showed it went to XXXX. 

I attempted to report this thru their online app support & I was locked out of my account, & could not get back in. It frightened me as I knew someone else was accessing my account they the app. 

While I couldt access the app, I also received a text from cash app stating my card had been unlinked. Further supporting my account was compromised. 

I then called my bank to report that my account & debit card information was compromised & to cancel my card to protect my account. 

I tried contacted cash app again via phone & the the only explanation was that it was a Glitch in the app & that my money was now rerouted to the proper account and had no further information to provide me. A Glitch that could send my deposit to account that did not belong to me, a glitch that locked me out of the app, and a glitch that unlinked my debit card. 

They never suggested to cancel the card, change a password, close the account or anything to protect me as the consumer. I in fact had to request to close my account. They took no steps/ precautions to protect my information. 

Financial institutions are required to take steps to protect the privacy of consumers ' finances under a federal law called the Financial Modernization Act of 1999, also known as the Gramm-Leach-Bliley Act and Block, Inc. took no steps to protect me or any of my personal information.

What happened to me today, was in direct violation of the Gramm Act & the information-sharing practices to safeguard sensitive data.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: Foris DAX, Inc.
State: NM
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:
Crypto.com does not allow people to withdraw funds. Added bank account numerous times over months and nothing worked. Opened up a new account in just my name still nothing

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 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 non-monetary relief
Consumer complaint received 2019-08-27
Company: ENCORE CAPITAL GROUP INC.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The judge ordered that the company provide me with information about this particular account and XXXX I never got information on this account that was in XXXX they start garnishing my my wages I asked the judge to provide information I asked the lawyers to provide information no one can provide me information about this particular account but their garnishing my rages that was in XXXX were in XXXX this company is coming after me for this same account in which they didnt provided me with documentation saying that I owe this account so they file the motion to have this brought back in front of a judge but they did not provide me with the court date they sent me documentations about time and court room but they did not put the date on there I believe this company is scamming and using deception practice to obtain money that I do not owe

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-16
Company: LoanCare, LLC
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am unable to contact XXXX MyLoanCare either through their website or by telephone for website assistance. In XXXX of XXXX they did not process my loan payment in a satisfactory manner. The charged me a late fee. I was able to contact them at the time by telephone and provided dates and information to dispute the late fee. They removed the late fee. In late XXXX I checked my credit report and they had reported me as being over 30 days late with my XXXX Payment. I have not been late with any mortgage payment in over 20 years. Nevertheless, I did not challenge their report at the time, even though they admitted by dropping the late charge that I was not late. In XXXX of XXXX, I was able to make my XXXX payment online, after much difficulty connecting to their site, Since they have proved to me they are unable or unwilling to process mail payments in a timely manner, I believe it is essential to make my payments on line to receive confirmation at the time of payment. I have not been able to contact XXXX.Myloancare either online or by telephone. Since that time I have not been able to get back to my account online, nor have I been able to reach anyone regarding my not being able to get to my account online with anyone at XXXX XXXX.My Loan Care either by phone or online. My impression is they seem to want to avoid customer contact to resolve any problem.

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