BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-17
Company: Block, Inc.
State: TN
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XXXX I filed a dispute in the amount of XXXX as of today, NOTHING has came of it. On XXXX I was emailed and told a provisional credit of XXXX was applied to my account and I've not seen a dime of EITHER OF THOSE funds stolen from me! Numerous emails to support team about the two transactions fell on deaf ears, repeated scripted responses which didn't answer anything when/if I even got a reply, XXXX " provisional credit '' was NEVER APPLIED TO ACCOUNT ( I have proof merchant refunded those funds to my account so, all legal sense ... they stole my money ) and, repeated attempts to get these issues rectified since XX/XX/XXXX fell fruitless on the companys end! I've been far more than patient, my patience is gone! Attached is email from CashApp support proving the date I filed initial dispute on XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
Company: CL Holdings LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Jefferson Capital Capital System ( XXXX XXXX ) has repeatedly called me stating I owe {$3200.00}. I explained that I never had a XXXX account and XXXX XXXX Investigative Team advised this would be removed after I have disputed this account online several times. Jefferson Capital has started calling me repeatedly and I have blocked their number. This company has reported this inaccurate information on my credit report. This company has violated these laws : 15 U.S.C. 1681 section 602 A. States I have the right to privacy. 15 U.S.C. 1681 section 604 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15U.S.C. 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30
Company: MIDFIRST BANK
State: MA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
On XX/XX/ I applied to open a Money Market account with Vio Bank responding to Vio Bank 's public advertisement. 

Vio Bank has declined my application and provided me with a Notice of Adverse Action ( enclosed ). 

The Notice of Adverse Action from Vio Bank has not listed any specific reasons why my application was declined nor it included my name on the notice. The Notice of Adverse Action had referenced a consumer reporting agency claiming that the information on a report from that agency had influenced Vio Bank 's decision. 

My consumer report from the consumer reporting agency that Vio Bank had listed on the report does not contain any negative information that could have been a reason for Vio Bank to decline my application. 

I believe that Vio Bank in their decision has not relied on the information obtained from the consumer reporting agency, but made its decision on their internal policies based on prejudices against non-typical customers.

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 2022-09-30
Company: Experian Information Solutions Inc.
State: SC
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:
US Department of education and the US Department of XXXX this information is on my credit reports XXXX and Experian. I did not authorize or give authorization for this to be on my credit reports. Ive been disputing these school loans but have not been successful in having them removed its been at least more than a year on my credit reports.

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 2023-07-30
Company: REGIONS FINANCIAL CORPORATION
State: IA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
My husband and I decided to build a home in a rural county in XXXX XXXX. We came across Regions Bank for construction loan via an internet search. Started working with their team. After reviewing our finances and credit history, we were offered a 5.5 % interest rate on our loan. The loan team from the bank requested that we sign and execute the contract with our builder in order to start the process and we complied. Little did we know that the bank has not done the contract review or builder approval prior to this. So during the contract review and builder approval process, the loan team started making demands to the builder to alter the contract, provide his personal credit information etc. Despite us requesting that we be kept in the communication loop, we often came to know of these demands by the bank from the builder. Now that our builder has the signed contract from us, he has no reason to oblige to these demands from the bank. And for us, since we had signed the contract, we were at risk for being sued by the builder if we were not to proceed with the construction. 
The contract had stipulated that we pay about 40 % of the cost up front for the builder to block the cost of the materials and gain the spot in the line with the sub contractors. Bank did not agree with this and builder declined to make changes to this clause. In order to keep the construction still a possibility, we agreed to put down this amount as down payment and have the remaining 60 % as the loan amount. Bank demanded that we provide them with proof of this payment inorder to process the loan, which we did. 
Even after this, bank continued to demand further changes in contract clauses from the builder. XXXX 's lawyer recommended not making any such changes and we were left with no choice, but to find other options for funding the construction. 
Now that we had signed the contract and paid 40 % to the builder, we had no choice but to use our " nest egg '' to proceed with the construction. 
Bank later communicated with us that they are ready to approve the loan, waiving all the requirements from the builder. At this time we were worried about what other requirements would be put forth when the builder submits the request for withdrawals at different stages of construction. 
In nut shell, the Regions Bank put as at risk of being sued for not complying with a contract with the builder ; and also at risk of loosing 40 % down payment to the builder if we had not been able to secure the finances by liquidating our assets.

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 2023-05-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30
Company: WELLS FARGO & COMPANY
State: MN
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:
XX/XX/2018 {$1100.00} XXXX XXXX XXXX XXXX XXXX ID # XXXX XX/XX/2018 {$1000.00} XXXX XXXX XXXX XXXX XXXX ID # XXXX I never signed any credit card agreement to pay the company this amount they charged, but they forged my name on their charges they submitted. I never would have agreed to charges of these amounts, The company provide me no written contract or agreement and then tried to charge extreme amounts other than quoted. They verbally quoted about XXXX XXXX dollars to take to another location. They threw possessions in the truck which caused significant damage to total loss, stole many possessions, broke multiple possessions, and stole funds by falsifying charges from the verbal quote. They had the credit card number so just charged what they wanted without any written agreement, additional verbal agreement, and far greater than what i would have ever agreed. After the incident I had received very bad information about this company and that they intentionally steal from parties of whom they are moving or storing. 

I tried to follow this matter with the merchant and they were actually frightening and intimidating as to what they would do to me if I ever contacted them again. The owner and his men working were most abusive, scary, intimidating and frightening, as they used foul language to me repeatedly. They threatened harmful actions if I reported anything against them. They were very mean to me and argued against any proper consideration and treatment of me as I tried to ask of them. 

WF again mishandled the claim and did not follow through. We raised it repeatedly, filed Reconsiderations and I completed other forms for WF, but WF never even considered handling it again as they lost their time frame so did nothing.

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 2023-06-30
Company: TRANSWORLD SYSTEMS INC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Good morning -- I bought the equipment, but the house was sold in XXXX this Debt should be paid by the new owners.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30
Company: PENTAGON FEDERAL CREDIT UNION
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I transferred {$13000.00} through XXXX from my XXXX XXXX Checking  Account to My PenFed Checking  account on XX/XX/XXXX. I contacted PenFed  to complete a wire and i was asked to provide proof of funds, PenFed said that the funds will be on hold until i can show proof of funds. I sent screenshots of the transaction from my XXXX XXXX Checking  account. PenFed Reps told me that the screenshots would not work and i would have to provide a statement. When the statement was available i sent it on XX/XX/XXXX. On XX/XX/XXXX i called PenFed to check on whether they received the statement. The Rep i spoke to said that there was need for additional documentation, I asked to speak to a manager and get a better explanation of why i need to provide additional documentation and she said it was to establish if the XXXX XXXX account belonged to me. I supplied scans of my Driver 's Licence, Social security Card, a utility bill and my Permanent resident card. I called on XX/XX/XXXX to follow up and the rep i spoke to said that my account will be closed and that i should contact XXXX XXXX to do a reversal of transfer. Upon contacting XXXX XXXX, they said that a reversal on a successful transaction could not be initiated. 
I called PenFed to tell them that a reversal was not a possibility and i was told that the last resort would be for XXXX XXXX to write a hold harmless letter. i have talked to a XXXX of reps and managers at PenFed and all they say is that the security team has made a decision on my funds and they do not know the reason why. 
I've had no access to these funds since they deposited in my Penfed checking 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 non-monetary relief
Consumer complaint received 2022-02-03
Company: Amsher Collection Services, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX charged {$59.00} and sent to debt collection Amsher for not returning the modem equipment. I returned the equipment and I have a receipt to prove it. 
I am complaining and asking compensation from XXXX XXXX for damaging my credit. 
My phone number is XXXX Service address XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX CA XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Someone has Capital one bank account in my name the checking account that's not mine. Also I believe someone has stolen my inherentance money and houses

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22
Company: EQUIFAX, INC.
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-16
Company: Credit Karma, LLC
State: RI
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:
Credit Karma had an offer to check for a mortgage refinance with XXXX XXXX by XXXX XXXX. At the end of the form it says, " Submitting this form won't affect your credit. '' Then it redirects you to another site owned by XXXX XXXX. The site ask you for more questions, and at the end when you send the form a hard credit pull showed on my account. This is a deceptive practice. They shouldn't be advertising a product or service that doesn't follow their initial statement of not affecting your credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-30
Company: PNC Bank N.A.
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XX/XX/XXXX couldn't recieve my regular weekly payment via zelle from my employer XX/XX/XXXX couldn't recieve regular weekly payment via zelle from a second employer. 
XX/XX/XXXX I tried logging in and my credentials wouldn't work so I called pnc customer service. I spoke to XXXX different people and was told my zelle was closed and no longer available and my online banking was closed. I asked if I could access my money and was told my account is on a security hold due to an inbound zelle transaction. I was not able to get any other information.histor using zelle fir XXXX is XXXX follows : I received a payment in the amount of {$3500.00} from a client after we finished a flooring job on XX/XX/XXXX. The payment cleared after 48 hours. I recieved a {$500.00} payment from the same client on XX/XX/XXXX the payment cleared immediately. My regular weekly jobs payments came in XX/XX/XXXX for {$84.00}, XX/XX/XXXX {$70.00}, XX/XX/XXXX {$77.00}. Prior to having the client sending me payments via zelle for {$500.00} then {$3500.00} the XXXX was being paid directly by the client via XXXX. XXXX held his money for 7 days which was unacceptable and slowed down production so the client, the XXXX and I agreed we would use my account to recieve payments for the job since the client and I both used XXXX. How is it zelle was able to freeze my entire bank account and access to my money, paying and recieving for any of these transactions that were all authorized, text messages and correspondence and regular activity to prove the transactions were authorized. I was told I can't even reach anyone to help me with the matter until Monday. I am unable to even get gas to make it to any of my jobs because of this, or get groceries for that matter. I have attached web receipts showing my first payment from the remodel job after XXXX held the money for 7 days in the amount of {$800.00}. Then receipts showing me paying the contractor after we agreed to start using my account to get paid using zelle .in the amounts of {$600.00} {$500.00}, {$800.00} went to our drywall employee out of the {$3500.00}. The client owed {$4200.00}. She claimed she could only send {$3500.00} at a time then refused to pay the balance for what was completed. We are taking her to court to get the balance she owes. I don't know if any of this has to do with my account being frozen but that is the history of XXXX with my XXXX transactions.XXXX  states in their terms that if you send money make sure you trust the person.. if something goes south you probably won't get your money back. It is secure and can't be reversed and doesn't even clear immediately if large amount. My last deposit was 10 days ago. How is it all of a sudden an inbound XXXX  transaction is holding me from accessing my pnc account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I have a XXXX XXXX card from Capital One, and they are not abiding by the card terms re the {$300.00} annual travel credit. 

One of the advertised " rewards '' associated with paying ( currently ) $ XXXX for this card is a {$300.00} *annual* travel credit that can only be used at Capital One Travel... In order to help cardholders keep track of this important annual benefit, Capital One has a tracker on the their website that tells you whether the annual credit is available, how much has been used and when the annual credit resets. 

During my first year, I received the credit after making a booking, although Capital One had some operational issues and made a bunch of credits/debits, which I reasonably assumed they managed to do properly. 

Following my first card anniversary, I checked the tracker ( see screenshot ) that indicated the full {$300.00} credit was available, and on that basis I booked travel ~ {$320.00} at Capital One Travel, which I would not have otherwise used but for the credit. After waiting ... and waiting ... and there being no credit, I called Capital One who told me to wait some more. Still no credit, so upon calling again they said they would investigate. 

Their investigation concluded that due to their mess-up with the credit/debits during the first year, Capital One would not honor the annual credit this year, notwithstanding their website telling me ( and continuing to tell me ) the full {$300.00} annual credit was ( and is ) available.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-31
Company: Experian Information Solutions Inc.
State: NJ
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 constantly check my credit report and noticed that the errors and false misleading information for individual accounts didn't quite meet the credit reporting standards of being 100 % correct. This has damaged me and held me back for some time. I'm demanding CFPB to enforce the correction and or deletion of these items failure to do so I will file litigation against your company for furnishing a false account on my report. This is exactly why these companies are being sued lack of protection to the consumer credit profile. 

Account XXXX XXXX different account numbers Account # : XXXX XXXX XXXX XXXX different balances {$1000.00} {$590.00} Date Opened three different dates/ years apart XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Federal and state fair credit reporting statutes promote the accuracy and privacy of information kept and distributed by the nations consumer reporting companies by defining how information must be recorded, verified and safeguarded15 U.S.C. 1681-1681x As well as 15 USC 1681 ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

please see attached proof

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-03
Company: Big Picture Loans, LLC
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
on XX/XX/2021 and XX/XX/2021, Big Picture Loans, limited ran my credit report without my consent. They allowed an individual, other than myself, without verification, to run my credit report.

Company response to consumer: Closed with explanation