BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-18
Company: Shellpoint Partners, LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This is my second complaint in two years regarding my mortgage servicer 's failure to pay the property taxes on my escrow. I have attached their response to my previous CFPB complaint, dated XX/XX/XXXX, in which New Rez acknowledged that it was obligated to pay the property taxes on my condominium parking spot, and further acknowledged that the taxes " were not paid on time due to an error made by our tax vendor. '' New Rez has yet again failed to pay the XXXX second installment and XXXX first installment property taxes on my parking spot. On XX/XX/XXXX, I e-mailed their escalations department to notify them of the error. On XX/XX/XXXX, they wrote me that " On XX/XX/XXXX, we made payments of {$350.00} and {$290.00} to XXXX County. We also paid the tax penalties of {$48.00} and XXXX to XXXX County at no charge to you. '' On XX/XX/XXXX, I checked the XXXX County Treasurer website and saw that, despite NewRez 's representations, the property taxes still had not been paid. I once again e-mailed NewRez 's escalations department on XX/XX/XXXX asking for the status of my payment. My XX/XX/XXXX e-mail stated " This is a " qualified written request '' under Section 6 of the Real Estate Settlement Procedures Act ( RESPA ) '' and that " I understand that under Section 6 of RESPA you are required to acknowledge receipt of my request within 5 business days and take action to resolve my inquiry within 30 business days. '' As of today, XX/XX/XXXX, NewRez has not acknowledged my XX/XX/XXXX qualified written request or taken any action to resolve my inquiry. 

I have attached copies of all correspondence referenced herein, as well as the current payment page from the Cook XXXX Treasurer 's office showing the delinquent taxes.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09
Company: Square Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
Summary : On multiple occasions, customer ( s ) of Cash App/Square Inc. used electronic funds transfers to receive the proceeds of fraudulent transactions via their Cash App/XXXX XXXX accounts. Upon attempting to reverse the transfers, the reversals were blocked. Cash App has ignored my formal written dispute -- it has been over 10 days with no response or provisional reversal of the transactions, a violation of the Electronic Funds Transfer Act. 

Background Despite a phone call to XXXX XXXX ( the bank whose routing/account numbers were used to receive the EFTs ) on XX/XX/2021 as well as attempting to call Cash App, no action was taken to reverse the fraud, or to stop the pending fraudulent transactions. I am not a customer of Cash App, or Square Inc., or XXXX XXXX. Calling the Cash App support number at XXXX XXXX Time on XX/XX/XXXX resulted in an automated recording that declared that it was after business hours, however, no business hours were provided, nor any alternatives to contact Cash App other than signing into the Cash App account. As I dont have an account, that was a useless suggestion. I also reached out via the official Cash App XXXX account and received no response. 

Under the EFTA, in the event of an unauthorized transfer, provided that notification is provided to the financial institution within 60 days, there is no liability for the consumer. Despite repeated attempts to contact Cash App/Square Inc., the day the unauthorized activity was discovered and ongoing, issue was ignored. I also sent a letter to Cash App/Square Inc. detailing the transactions, including specific amounts, dates, and account numbers. 

Under the EFTA, they are required to complete an investigation into this matter within 10 business days and the error must be corrected within one business day after determining that an error has occurred. Cash App/Square Inc. has not responded at all, nor has any provisional credit been issued as required by the EFTA. 

According to the law, I am not liable for fraud. Also, there has been a significant amount of time and frustration in attempting to resolve this matter, including lost days at work. The lack of a phone number or contact information for the Cash App/Square Inc. fraud team is significantly negligent since there were transactions that happened even after I attempted to contact both Square Inc. and XXXX XXXX. The XXXX XXXX representative literally had no concern that there was active fraud occurring. She informed me to contact Cash App. And contacting Cash App was literally impossible since Im not a cash app customer and your phone number is useless. Obfuscating access to support is a significant issue. 


Attached is a PDF of the relevant transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-18
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I APPLY FOR A BEST BUY STORE CREDIT CARD, IT WAS DENIED WITH NO REASON WHAT SO EVER, MY CREDIT IS OVER XXXX, AFTER 2 WEEKS I GET A LETTER ( IN XXXX ) SAYING THAT THE LENDER WAS CITIBANK NA AND THEY SEND A NOTIFICATION SAYING THAT ''THEY HAD DECIDED NOT TO OFFER ME ANY TYPE OF ACCOUNT SERVICE '', WHY IS THIS? 
I DID CALL BEST BUY CREDIT SERVICES TO XXXX AND THEY SAY THEY HAVE NO MORE INFORMATION ABOUT THIS, I ALSO CALLED CITIBANK, THEY TRANSFER ME MORE THAN 3 TIMES TO DIFFERENT SECTIONS AND NOBODY COULD EVEN FIND MY NAME OR MY APPLICATION, SO I DECIDED TO WRITE A LETTER TO BOTH COMPANIES, BEST BUY AND CITIBANK, OF WICH NON HAVE ANSWERED BEST BUY REFERENCE # 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 2021-09-18
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
None of the options best fit the description of my complaint. 

I was sued for a credit card debt with XXXX XXXX by Midland Credit Management XXXX Inc, ( MCM ). I paid the debt XXXX. I did not know that the letter of satisfaction was never filed with the court until I tried to close on the sale of my house in XXXX of XXXX. I reached out to MCM on XXXX  and on XX/XX/ they sent a notice of satisfaction to the wrong the court. ( Magisterial Court instead of the XXXX XXXX Court House ). Since then I, my attorney, and the XXXX XXXX Prothonotary 's office have reached out to MCM and the legal office ( specifically for Attorney XXXX XXXX ) multiple times to request the document be filed in the correct court with the correct docket number. As of today, they have not. The sale of my home is still pending, I could easily lose the buyer, and am beyond frustrated. Midland has been exceptionally difficult to deal with from my first encounter with them. I don't know what else to do at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My savings account and two checking accounts were hacked and I have three fraud claims with the Bank of America. First savings account claim # XXXX. My original checking account that I had for 35 years claim # XXXX. Then I was given new checking account which was then hacked and I filed a third fraud claim # XXXX. The claims were denied and the said I gave someone my password/or ID. I did not give any one this info. I did not have access to any funds for 3 weeks because all accounts were closed including credit cards that requested them to replace. My home was broken in in XX/XX/XXXX and my phone and I were hacked. They have no right to this money as I did not do anything to compromise my accounts. Finally my late husband worked for the bank and I get a widows benefit pension check every month. I am such a good customer status that all the checks and/XX/XX/XXXX ones were paid and that is the money they denied me. I am a widow with limited monthly income.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-25
Company: EQUIFAX, INC.
State: CT
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:
computer base system pre approve me for a credit limit then decline my application

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01
Company: EQUIFAX, INC.
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:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-13
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
On XX/XX/XXXX18 I opened a Citibank savings account to take advantage of a bonus offer of {$500.00} if you deposit {$50000.00} and keep it in for 60 days. I believe the bonus was to be paid after 90 days. And for arcane reasons I was forced to open a checking account at the same time, but was never told I had to keep some money in it. I was told the {$50000.00} needed to be in the savings account, so that is where it went. I had no intention of using the checking account ( and ordered no checks ), so I left no money in there ( this is what Citibank later used as their reason for denying my {$500.00} bonus ). I had to wait until Citibank did their trial small ACH deposits into my outside bank in order to link the accounts and then make the {$50000.00} deposit, which occurred on XX/XX/XXXX18. The money stayed in until XX/XX/XXXX18 ( more than 60 days ), at which point I confirmed by phone that I was free and clear to take the money. At the 90 day point I called to ask why I had not received the bonus. They said that because I had kept no money in the CHECKING account for 90 days, they had automatically closed it, and by closing it without warning they were then justified in denying the bonus. At every step I would call in and ask if I was doing everything I needed to fulfill my obligations under this bonus offer. I never made a move without calling to be sure it was okay. I was never told I had to keep a tiny amount in the checking account just to keep it active. I even asked when I moved the money into the savings account from the checking if it was okay. Surely if they had just said " keep one dollar in there to keep it active ' I would have. I think Citibank intentionally does this just so they can deny promised bonuses. I believe this because of the attached document that shows endless numbers of other people who have had similar experiences at Citibank ( this is the XXXX 15-page blog post pdf file ). I filed several complaints with Citibank. They would open a case, then a few weeks later send me a letter denying my claim ( letters attached ). I have also attached my statements for the period in question.

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 2020-05-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
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:
ftc violations sent 90 days ago XXXX XXXX XXXX ACCOUNT DETAILS Account Name XXXX XXXX Account # XXXX Original Creditor - Company Sold - Account Type INSTALLMENT Date Opened XX/XX/XXXX Account Status! Open Payment Status Current Status Updated XX/XX/XXXX Balance {$3000.00} Balance Updated XX/XX/XXXX Original Balance {$3500.00} Monthly Payment {$37.00} Past Due Amount - Highest Balance - Terms 120 Months Responsibility Individual Your Statement - Comments Account in dispute-reported by subscriber Customer disputed account - reported by subscriber Account information disputed by consumer under the Fair Credit Reporting Act CONTACT INFORMATION XXXX XXXX  XXXX XXXX, CO XXXX ( XXXX ) XXXX PAYMENT HISTORY all XXXX sent ftc filed over 90 days of the un lawful loans {$1100.00} {$3000.00} {$2600.00} {$3500.00} {$2700.00} {$4100.00} {$5500.00} {$5500.00} 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 2022-11-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
XXXX XXXX info in XXXX. XXXX  stolen XX/XX/22 account started same day on direct deposit 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 explanation
Consumer complaint received 2021-09-18
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Good evening there, I hope you're well. 

Given CFPB long experience, regarding consumer protection, I'm sure the following case is nothing new for your agency. 

OBJECT : Coinbase illegal freezing of assets The Coinbase account was opened on XX/XX/XXXX. 
Trading activity was smooth and KYC process was fully completed. 

On XX/XX/XXXX, account got frozen without prior notice. 
No explanation or communication was received either. 

Ticket # XXXX was opened, inquiring about the issue. No reply received. 

Costumer Support replied only after complaining on XXXXXXXX Coinbase page.

No explanation was provided, instead Costumer Support tried explaining how they were reviewing the possibility to withdraw via ACH. 

Coinbase is totally aware that ACH transfer is only available for US clients, which is not this case, since the account is from XXXX. 
It seemed, like searching every possible way, to withold the funds. 


Our next email pointed out the ACH impossibility and formally requested explanations. 

Along with this, an update was published on Reddit.com. 

Costumer Support 's next move was to officialy close the Coinbase account, delete any post from XXXX and ban the account from publishing more. 

Therefore, given Coinbase ToS about account 's closure, we requested to withdraw the balance. 
" You are allowed to withdraw all funds from your Coinbase account and send it to any wallet address you choose .... before the account closure proceeds. '' ( https : //help.coinbase.com/en/coinbase/other-topics/other/does-coinbase-freeze-accounts ) No reply was ever received. 
All following emails went unanswered. 

Viewing Coinbase as a respectable business, with a solid base, this behaviour seems odd to say the least. 

Thanks a lot for your assistance. 
I wish you a pleasant day.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-09
Company: TD BANK US HOLDING COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/2021 I paid off my Nordstrom credit card bill for {$490.00}. It is now XX/XX/2021 and the payment has not been applied to the account yet. When I have called their customer service number I have not been given a timeframe for when the payment will be applied. They have also said that is uncharacteristic of me to make large payments on the account and that is why the account is under review. I find this insulting and their statement is untrue. In a 12 month period I will make 2-3 large payments towards my debt. The rest of the time I pay between $ 80-100, more than the minimum.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01
Company: ALLY FINANCIAL INC.
State: OK
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
On XX/XX/XXXX i went online to make a payment. I received my SSD  earlier and wanted to get my car payment made. I moved the date to make it come out on the XXXX. I get notifications from my bank and it showed the XXXX had come out 2 times. I called right then. The man said he would expedite the claim. I should have my refund in 7  to 10 days. By mail. LIE. I told him i needed it back by the first coz that money goes for rent. 
I called again on XX/XX/XXXX XXXX. I was told they had to put a 10 day hold on my payment to make sure it cleared the bank. It came straight out. Said they would get it in the mail. 7 to 10 days. LIE I need this to pay my rent. 
I called XX/XX/XXXX XXXX Where's my money. It was mailed. Should be there soon. LIE Called XX/XX/XXXX XXXX. Rents due. 
It was just mailed XX/XX/XXXX. Give it 7 to 10 days. I dont have that long. I asked them to stop payment and over night. Cant do it. I was really ugly. Im sorry. 
I have also sent 2 emails through the app. One was today XX/XX/XXXX. 
Now i cant pay the full amount for my rent. Im on XXXX. Limited income.

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 2019-05-10
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:
I have recently checked my credit cards used in my name through XXXX XXXX, I found that there are two credit cards opened in my name. They are the following : XXXX XXXX Last reported XX/XX/XXXX {$0.00} Reported balance Credit limit {$6800.00} You're using 0 % of your account 's limit OVERVIEW Credit limit {$6800.00} Minimum monthly payment {$0.00} Opened XX/XX/XXXX ( 5 yrs, 8 mos ) XXXX XXXX Last reported XX/XX/XXXX {$0.00} Reported balance Credit limit {$13000.00} You're using 0 % of your account 's limit OVERVIEW Credit limit {$13000.00} Minimum monthly payment {$0.00} Opened XX/XX/XXXX ( 5 yrs, 1 mos ) I came to the United States in XX/XX/XXXX and applied for the first credit card after one year of that. I am confused there are two accounts already in my name. I don't want both of these cards on my credit card report. I need help to fix this 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
Consumer complaint received 2021-06-09
Company: ENCORE CAPITAL GROUP INC.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/2021 I was contacted by my employer in regards to my earnings being garnished due to a collection of {$1300.00} owed to Midland. This claim was settlled years ago and cleared off my credit reports. I was not told about this until now since a XXXX contacted my employer. I spoke to all 3 credit bureaus and they have no debt in collection with Midland. I am being threatened to have my earnings garnished with no attempt to being reached personally. This claim has been settled years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-10
Company: WELLS FARGO & COMPANY
State: DC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
Hello, I received a credit card from Wells Fargo that I never applied for. I was considering purchasing windows from XXXX XXXX and partially financing the purchase. I gave them permission to run my credit to see if I qualify. 

I decided to go with another contractor. A few weeks later, I received a credit card with a {$8000.00} limit for XXXX XXXX from Wells Fargo. I never signed up for this card, agreed to the terms, or signed for it. 

I called Wells Fargo and they cancelled the card, but it is concerning they are opening lines of credit for people without their permission so I wanted to report it.

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 2021-09-18
Company: EQUIFAX, INC.
State: GA
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:
Sent Equifax cease & desist to stop furnishing illegal reporting activities. Received No response therefore all furnishing activity on the listed allege accounts must be removed and deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-15
Company: National Management Recovery Corp. (NMRC)
State: AL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
Oh XX/XX/2018 XXXX XXXX XXXX out of Florida contacted me to tell me that the payment that they received from me was fraudulent and that they will take legal action against me by serving me on my job. The next three communications I had with the company all included them letting me know that they will take legal action against me and sue me.

Company response to consumer: Closed with explanation