BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-03
Company: Block, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/2023, we used Square as a processor for our small business transaction. We run a small XXXX XXXX XXXX XXXX XXXX XXXX . The transaction ( {$20000.00} ) occurred in person via their Tap To Pay option. Accidentally, we charged the transaction to our business card rather than our customer credit card. We tried canceling and issuing a refund, however their app did not let us. Square had blocked and deactivated our account, requesting documentation, with funds to be held for 90 days. We explained that the transaction occurred via tap to pay and there was no documentation/agreement for it at the time. We asked for canceling or full refund of this accidental transaction. After multiple phone calls and emails, the company is unreachable past the basic customer support over phone which is refusing to provide solution, emails seem like automated responses stating the same thing over and over again. Square , Inc has thousands of similar complains for business all over the U.S. We are asking for someone from Square to reach us and to provide solution in the next 30 days, else we will take this to court and social media! Please small business out there be careful when using Square for payment processing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-03
Company: Eastern Account Systems of Connecticut, Inc.
State: CT
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I had a research investigation request into my insurance company this year on the verification of the medical debt, it concluded in XX/XX/2023. The collection agency never contacted me, verified my medical amount owed or sent any ability to pay prior sending to the credit bureaus in XX/XX/2023. They have not sent me a bill until XXXX/2923. Ive been willing to pay on a payment plan with the practice directly for amount owed. The collection agency needs to remove this debt from my credit reports and set up a payment plan with the practice for amount agreed upon. The collection agency is using unfair collection tactics, never sent me a bill prior to sending to my credit bureaus and didnt have the amount verified.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-01
Company: TRANSUNION INTERMEDIATE 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:
inaccurate information no knowledge of accounts filed with FTC and PO report, in violation of consumer rights, lending act and HIPPA

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 2023-11-08
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I've been a loyal customer of this bank for more than 12 years, consistently making on-time payments. Despite applying for several credit cards, I've been repeatedly declined without any explanation. Even when I did acquire a credit card about a year ago, it was suddenly closed without prior notice. I'm left wondering if my XXXX heritage is a factor in these credit card application rejections.

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 2021-01-11
Company: NAVY FEDERAL CREDIT UNION
State: IL
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:
There are 3 unauthorized inquires reporting to my XX/XX/XXXX report. These are lenders that I did NOT submit a request for any lines of credit. The lenders are Navy Federal Credit Union and XX/XX/XXXX I contacted XX/XX/XXXX on XX/XX/2021 in regards to this matter and was told to contact the creditor/lender directly to verify. Each lender has informed me that no accounts exist or lines of credit have been issued under my social however, there was an application submitted that resulted in the inquiry. XX/XX/XXXXis not working proactively to resolve this matter even with the lenders confirming that I have no active accounts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-15
Company: SYNCHRONY FINANCIAL
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Debt settlement
Issue: Unexpected or other fees

Complaint:
Following the closure of case CFPB Case id # XXXX and beyond the feedback due date, I received an advisement from Synchrony Bank XXXX XXXX XXXX that this entity characterized their refund activity as cancellation of debt. 

After speaking to accountants, my position is that I should immediately object to cancellation of debt because the original activity was unauthorized and perhaps fraudulent. In my case this closing activity is not normal forgiveness of debt which is a taxable event, per my accountants. 

I hereby request the CFPB to contact the Synchrony Bank to request that they re-categorize this history so that XXXX XXXX does not receive a 1099 from the bank which he and his accountants feel he does not deserve. All of the circumstances, including no printed statements for one, support XXXX XXXX assertion. 

XXXX XXXX maintains his XXXX account and is in good standing on other accounts with Synchrony Bank. Thank you for your time and consideration. 

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 2021-01-01
Company: NAVY FEDERAL CREDIT UNION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
Good morning, On XX/XX/XXXX, I was changed a return check fee of {$29.00}. Im reaching out for extreme help during this difficult time that Im in. I understand that I was charged a return check fee and Im requesting this charge to be reversed. Every dollar counts in my household and {$29.00} can go a long way right. I ask if someone can please removed this charge. Im standing in food banks lines and waiting on a stimulus relief. I cant afford any fees. Please help me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-05
Company: JPMORGAN CHASE & CO.
State: NY
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/2023, I used my Chase business credit card to make a purchase a littler over {$5000.00} the merchandise was never delivered to me but I did get a notification saying it was delivered by XXXX, I immediately called the supplier and let them know, they advised me that sometimes such issues happens and the item gets scanned by mistake and I was to wait an additional 8pr 10 days, I thought that was a really long time frame and was sure to get a second confirmation on the wait time. However, I called about 7 days later and was told that I should have been informed from the first call that I needed to make a police report in order to dispute this matter, I then immediately called my credit card company ( Chase Business ) and explained to them whom assured me they will take care of it and I didnt need to go to the police, so I trusted in them only to receive a notification a few weeks later saying I need to check my messages on the app, I read through the message and was informed that I will be charged for the item because XXXX provided them with a signature of delivery, although the signature is not mine, I did not meet with XXXX no one from my home received the delivery, I am being charged for an item I did not received because XXXX provided a fraud signature and state that they delivered the merchant. 
On multiply occasions XXXX will leave a signature required item without receiving a signature and sign it themselves, I submit a second dispute and was denied once again. 
I can not afford nor is it fair for me to pay for an item I did not receive, and I feel like Im drowning with no help in sight all because I cant provide proof that XXXX delivered my package but XXXX provided a signature that was not mine and the credit card company accepted that.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-08
Company: Foris DAX, Inc.
State: TN
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
On or about the XXXX of XX/XX/2023 I followed the procedures using my Crypto App and my XXXX wallet to deposit {$10000.00} of the {$11000.00} USD by wire transfer back to my checking account. A message came up that my funds were blocked. 
on the XXXX of XX/XX/2023 and again on the XXXX of XXXX of 2023 I contacted the help center for Crypto .com and requested assistance in getting my account closed and the funds in my Crypto Account ( {$170.00} USD ) and my Trust Wallet ( $ XXXX sent to me by check to my XXXX address. They are required to do so according to the Terms and Conditions of using Crypto.com. I received info back from XXXX and XXXX XXXX how to get tyhe funds returned. I followed the instructions on the XXXX and wass told it would take from 3 to 5 business days for the transaction to be complete. Nothing happened, so I tried again on the XXXX. Again, I waited until the XXXX and contacted Crypto.com requesting a check for my funds. This time to a XXXX from the help center replied to me. I sent him sa screenshot of my account funds being blocked for sending them back to me. 
On the XXXX of XXXX I again contacted the help center and got an email back from XXXX and XXXX thanking me for reaching out to them and that they were working on my request. as of today, I have heard nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12
Company: Selene Holdings LLC
State: PR
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
My loan servicer was XXXX XXXX XXXX with the loan number XXXX. My loan was transferred to a new servicer, Selene Finance LP starting on XX/XX/XXXX. On XX/XX/XXXX I received a letter ( attached ) from XXXX XXXX XXXX  notifying that they are the new loan owners and confirming that Selene Finance are the new servicer and that all things regarding my loan have to be done with the servicer. The letter shows the same loan number that was used by XXXX XXXX. No further information on the loan was specified. The address is the correct one. 

As of today, XX/XX/XXXX I haven't received a single letter or phone call from Selene Finance regarding my loan. I did try to log into their website but the loan information that I have ( that is the one from XXXX  ) is not valid in their system, so right now I'm not able to see anything regarding my loan with them. I wrote three different emails to different email addresses that Selene have on their website and haven't received any answer neither. My email is XXXX and that's the one I used to write the emails to Selene . 

For some really strange reason, their customer service numbers XXXX ( XXXX ) XXXX, and any of the other numbers with 877 prefix, always return a busy tone. I'm from Puerto Rico and the residence on that loan is located in Puerto Rico and I haven't been able to complete a call to any of their customer services numbers from almost 10 different phones including land lines. I contact my previous servicer ( XXXX ) located in California and they call to that same number and the pass through without any issue. We tried the automated system but it doesn't recognize any of the information we provided and we tried customer service but after a while the call drops. I don't want to think that because I'm from Puerto Rico I will not be able to communicate with them. 

Because all of this, I can not make my payments. I don't even have a loan number to make the payments even via regular mail. And I'm really worried about losing my home because of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-03
Company: U.S. BANCORP
State: MN
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/2019 I stopped at an ATM machine outside a bank branch in a grocery store to make a deposit for {$1800.00}. The deposit contained a combination of checks and cash. After the machine received the cash it opened the sliding door to receive the checks and in the process of scanning them the machine froze. I waited by the machine until the screen changed and asked me the total amount of the deposit I was trying to make where I entered {$1800.00} and a receipt printed out detailing the error and instructing me to call the bank to file a claim. I filed this claim while standing in front of the ATM and detailed the deposit as best I could. After not hearing anything from the bank for 10 days I called to follow up since I had to borrow money to cover my bills and the interest was adding up. I was told it could take up to XX/XX/XXXX before I heard anything. Then on XX/XX/XXXX I checked my online banking and see a deposit for {$1800.00}, so I thought it was all done. However, this morning ( XX/XX/2019 ) I received a letter from USBank stating they have completed their investigation and my {$1800.00} deposit was being reduced by {$1100.00} and the debit would be made today XX/XX/2019. I called the bank again since the letter said I could get copies of any of the documentation used in the investigation and was told there was no documentation on my file, and the banker wasn't sure how that amount was derived. I was then told I could create a new claim which could take up to 45 days! At a loss I had them start a new claim and in the process was told to contact the bank branch manager since they may have more of the ATM information, or could possibly have the documentation referenced in the letter I received. After I finished the call with the banker I contacted the branch location and found that the manager has been out on vacation and the ATM machine is due to be counted tomorrow and has not been counted since my initial deposit date of XX/XX/2019. Meaning the bank hasn't even looked in the ATM to reconcile my deposit, but has decided my deposit was short {$1100.00} dollars causing me to have to borrow money and pay interest on that borrowed money from XX/XX/XXXX to the XXXX, and now again with no notice at all will pull the {$1100.00} from my account forcing me to pay interest on a credit line until the next investigation is completed. At this point I have no idea if my deposit is actually being counted or if the bank is just making up totals to see what I will accept as a loss. Meanwhile I'm paying interest on borrowed money while I wait for the next 'investigation ' which may or may not include actually looking inside the ATM to see if the cash and checks are there and adding it all up.

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 2023-01-26
Company: Resurgent Capital Services L.P.
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Great evening I have a company called LVNV Funding LLC that reported a debt to my account. I do not owe this company any money. They are not the original creditors of the debt. This should have never been reported and it's affecting my credit profile. I reached out to the company and the first rep lied when I asked to speak with a supervisor, the second rep was unprofessional and laughed while I'm trying to discuss account with her, third rep was a lead that didn't help and fourth rep was a supervisor didn't do anything but try to dominate call telling me that this is legal to do when it is clearly not. There is no documentation that anyone can send that I owe LVNV Funding LLC any debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11
Company: Conduent Incorporated
State: GA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
Georgia Unemployment department issued people these Way2Go Cards back in XX/XX/2020 when COVID19 started. 

I did not receive my card until late XXXX early XXXX, because I did not know my job was filing unemployment on my behalf. So when I received the card it was like {$9000.00} on there. Now its still the beginning of COVID and no one is really traveling, plus I just moved so I had mad bills I'm behind on due to the lose of my part time job. 
Prior transactions I had tried to withdraw money from the card but was not allowed to get more than {$300.00} at one time, from a bank listed associated with the card. Nor does the card give you the option to transfer money from the card to an account or different card. 

XX/XX/XXXX was the last time I used my card stopping at {$5000.00} so that I manage the remaining of the money for the rest of the year. XXXX the XXXX maybe the XXXX I checked my card to see that someone in Florida had withdraw {$2500.00} and change from the account as ATM withdraws. Two transactions where {$500.00}, {$400.00} and $ XXXX withdrawls. Now i'm confused because I have had my card the whole time no one even knew of the funds I had receive, nor did I even know anyone around me who has even been to Florida in the middle of COVID19. 

I called to put in a dispute XX/XX/XXXX or XXXX without a police report and was denied. Company stated after calling for over a month and hearing nothing that my dispute was denied for Conflict of Information. Which did not made no sense. All my transactions where made in Georgia so why would I go to Florida to make ATM withdrawals. Also I used the card regularly so why were those the only transactions made all the way in Florida. My last transaction was at XXXX in XXXX XXXX Ga XX/XX/2020. The first fraud transaction was made that same day in Florida. now how could I have made that transaction in the same day in two different states? If you check the transaction time frames you would see that is not possible. 

So I reached out to my lawyer and was advised to make a police report, report my identity stolen and resubmit the claim dispute. I did all this and was denied again. I have called and have been hung up on after waiting over an hour for an agent. Since XXXX I've called more than 10 times waiting over an hour every time to receive no information. I have been told I would receive a call back from the investigating offers and never received and call back. My lawyer has sent two letters to the company asking for my money back but we haven't heard any response from them. 

I have been calling them since XXXX and no one has told me why my claim was really denied. Conflict of information does not cut it what was the conflict of information?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-03
Company: AMERICAN EXPRESS COMPANY
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: Credit inquiries on your report that you don't recognize

Complaint:
I have 4 hard inquiries on my credit report and that should be the right number, but its 8 of them on there with most of being American Express. I do not recognize those inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 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 response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
Company: Resurgent Capital Services L.P.
State: PA
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 was trying to purchase a home and I realized I had damages on my credit report and according to the 15 U.S.C 1681 law, there shouldnt be any damages on my report. Its a deformation of my character.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11
Company: U.S. BANCORP
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I called US Bank around the XXXX of XX/XX/2020 because credit reporting agencies showed that my mortgage account had been close due to a chapter XXXX bankruptcy. The represented said he would notify the bankruptcy department and my account would be corrected in XXXX. I called the bank today to see if the problem had been resolved. I spoke to 2 reps and didn't get anywhere. They then put me through to a supervisor who would not provide the bankruptcy departments phone number. Instead he insisted that he could only relay the message and that they only speak to bankruptcy lawyers. This is unacceptable, I would like to speak directly to the department who made this error on my account.

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 2023-10-13
Company: Indie Technology DBA Found
State: PA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
XX/XX/2023 received a debit card from found bank today. Never applied for the card.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation