BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-03
Company: Square Inc
State: OR
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
On Wednesday the XXXX of XXXX I received a cash transfer for gas from a friends CashApp Cash Card to my Card. The transaction cleared and became available funds on my card instantly. 

I tried the next day Thursday XX/XX/2020 to " Cash Out '' those funds to my XXXX XXXXXXXX XXXX personal checking account. And have attempted every day following. 

Now for more than 7 days I have been trying to get this small {$30.00} off this Cash.App Cashcard. My card is for some unknown reason disabled and every time I enable it, it disables itself immediately. I try to cash out the balance to my bank and it says I have no money, I have sent an email every single day and got XXXX canned response stating theyre having connection issues. I have sent a message every day since with no response what so ever. I have done a search of the internet and find there are thousands of complaints with the same problem beginning at the same time as me. 

There terms of service state that they are not a bank and therefore have no obligation to honor any financial policy that is expected from a financial institution. However, they are holding my money, as well as everyone else 's money in a regulated US bank account at XXXX XXXX XXXX and using XXXXXXXX XXXX as their pass through. Both of those transactions are definitely regulated by both Federal and State laws. 

According to their status page today XX/XX/2020 every thing is working and 'GOOD TO GO ' yet again I can not make the withdrawal or transfer, no ATM access, not able to use the card to make a purchase. 

They hide with no public phone number and automated response emails. You can not contact these people other than that they are owned by XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Escrow Refund Issues : - SunTrust Mortgage - Loan Acct : XXXX Loan closed with re-fi on XX/XX/XXXX. Funded to SunTrusXXXX on XX/XX/XXXX. Loadn payoff was processed and I have received multiple pieces of correspondence from SunTrust included the Recording of Cancellation of Deed to Secure Debt but no escrow refund. 

I have spoken with them several times and continue to get the runaround with no resolution. 

XXXX 's explanation - Check cut - XX/XX/XXXX Check mailed - XXXX Need to wait 30 days to receive and if no check, they will stop payment and reissue using the same process and I will need to wait another 30 days. 
They will not expedite the return of my escrow funds even though it is strange that I have no trouble receiving at least 10 pieces of correspondence from SunTrust. I suspect there is a process to hold checks to continue to collect interest. What is their reasoning -- there is none. They also will not send with any tracking information. 
I need my funds so I can pay my property taxes which are coming due but have no return of my escrow funds. 

Please help!

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 2020-06-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
Sent letter to Transunion on XX/XX/2020 and XX/XX/2020 Document # XXXX and # XXXX. The letter requested the company verify the account listed, provide me with copies in their files as of XX/XX/2020 that were used to verify the accuracy of accounts Transunion has listed on my credit profile. Under fair credit reporting act, 15 U.S.C. 1681g I have the right to demand the disclosure of all documents they have recorded and retained in their file at the time of my request concerning these accounts. My request indicated for Transunion to remove the documents in their files if they did not have documentation as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). 
In response to my written request Transunion responded with a letter dated XX/XX/2020 indicating they were unable to process my request because they were not able to determine the nature of my request or my request was illegible. To investigate information contained in my credit report type or print account name and number and specify why i was disputing it ( for example, this is not my account, I have never paid late, etc ). 
The accounts I requested Transunion provide this information on are XXXX XXXX, Dept Ed/XXXXXXXX XXXX XXXX XXXX and XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24
Company: CITIBANK, N.A.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/2020 I was charged fraudulently by a fake company XXXX, online in the amount of {$42.00}. Citibank did not investigate the matter and when I called them to inquire about it, they misled me and told me it was still being investigated when they had closed the case and I couldn't get my money back. 

On a second occasion of XXXX XX/XX/2020, I reported Best Buy had charged my account for something I didn't have and a purchase I didn't make that came to a total of {$69.00}. They lie about giving customers their provisional credit and fail to investigate the matter. 

Citibank is federally insured and they make money off the customers with their money in that bank. Individuals don't have their money secured by an institution who is just money hungry to get customers money. What good are they as a bank to do this. They falsify information and mislead customers. 

I have been with this bank for about 14 years for them to be doing this now. They are lazy or either incompetent to do something like this.

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 2019-02-02
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I sent this company the first letter 0n XX/XX/2018 to verify that this is my account and they did not send me any information that it was my debt.i sent the second letter on XX/XX/2018 and did not here back from them. i am attempting to get a business loan but this debit they are trying to collect for is not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-02
Company: SYNCHRONY FINANCIAL
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: Their investigation did not fix an error on your report

Complaint:
I have disputed inaccuracies with 2 credit cards that were once reporting on my credit file. They were deleted after I disputed hard inquires within those 2 companies due to someone trying to open accounts with them Since my identity was stolen. Instead of removing only the inquiries they removed the entire account and history. My walmart/syncb account was reporting forn11 years and erased on or around XX/XX/2018 The 2nd accoubt was XXXX  platinum Visa which came off after a unauthorized hard inquiry as well in XX/XX/2018. I have sent in proof of both accounts being reported and it has caused a serious drop in not only my scores but the overall health of my credit.

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 2021-04-30
Company: PRESTIGE FINANCIAL SERVICES INC
State: MI
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The judgement in the amount of {$12000.00} was satisfied by garnishment. The garnishment order expired XX/XX/18. The company is still reporting a balance of {$2700.00} owed, on all three credit bureau reports. This needs to be updated. They are not entitled to the extra interest they are seeking or the judge would have included it in the judgement.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12
Company: U.S. BANCORP
State: MN
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 customer service

Complaint:
I called US BANK VISA on XX/XX/XXXX to inquire on getting a refund for airline tickets purchased on XX/XX/XXXX through a travel company for {$2700.00}. Due to Covid 19, I had to cancel our trip scheduled for XX/XX/XXXX. I called the travel company on XX/XX/XXXX to cancel the tickets and was told I had to call XXXX directly to cancel. I did and XXXX only gave me a partial credit. The travel company retained {$1200.00} of my purchase and said I had to use it for future travel. I called the travel company on XX/XX/XXXX and got a recording saying they are permanently closed due to Covid 19. I called US Bank the same day and reported that information. US Bank credited my account {$2700.00} and then charged it back on my card saying they didn't get my paper response. I did complete and mail in the paperwork requested and this was validated by other persons in cardmember services. I spoke with many people at US Bank cardmember services and I was given different information each time I called. I filed a complaint with the MN. Attorney General 's office. US Bank responded to their inquiry and much of US Banks response is not accurate. US Bank also said the 60 day TILA rule applies. I had asked US Bank how did I get a full refund on another purchase I had to cancel due to Covid and I did not file a claim on that purchase for 120 days after purchase. They could not give me an answer. My last call to US Bank on this matter was on XX/XX/XXXX and I was told that if I could determine when the travel company went out of business and if it was within 120 days of XX/XX/XXXX they may look at my claim again. I can't determine when the travel company went out of business. US bank has not been forthright with their explanations to me. I believe I'm due a credit 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 2019-02-02
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
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 pulled my credit profiles and noticed 2 credit inquiries ( XX/XX/XXXX and XX/XX/XXXX ) by XXXX XXXX XXXX. I was not familiar with the bank or the noted inquiries so I attempted to contact the company to obtain information about the inquiries. I sent a letter via certified mail to the address indicated on my credit profile. The letter was returned undeliverable and noted that the address didn't exist. This is the same address reported by the company on my credit profile. The law requires that credit reporting agencies report complete and accurate information. These 2 credit inquiries can not not be verified per the undeliverable address referenced on my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12
Company: TD BANK US HOLDING COMPANY
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit 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:
My issues is that Target sent an unauthorized payment to my bank in the amount of {$28.00}. I attempted to call the customer service line and was unsuccessful at getting through, I then called my credit union and notified my branch that a duplicate payment had been sent to my account. 
After filing the dispute and receiving the funds back to my account, I then reach out again to Target. I explained what had happened. I was told by their customer support that I was being charges a fee for a returned payment and they would not adjust this fee. I was told that the payment was sent by an auto pay. Auto Pay had been suspended in XX/XX/2020 and for 3 month did not automatically sent a payment to my Credit Union. Furthermore, I would told the auto Pay was only temporarily suspended so it was my fault. First I was told the suspension was for 30 days. then 60 days, In fact, I took it off on XX/XX/XXXX, Screenshot the notification, and called Target to verify it was cancelled. I was not notified it had been turned on nor did it show up when I made a manual payment. 
I made a payment every month! I had told Target I was possibly filing bankruptcy in XXXX and closed the account in XXXX. Three weeks later the auto pay restarted ; sending two payments to the credit union. This is an unfair charge which they have indicated quite clearly that they will not do anything to resolve.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08
Company: EQUIFAX, INC.
State: AR
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 receiving a letter in the mail from where I used to live stating that I owed a debt of child support. I have never been put on child support. I did a little investigating and I was told that someone has given my name and social security number to claim money every month. They have the wrong person. I decided to pull my credit report and it showed the exact same thing and several other accounts that had been opened under my name. These are unknown suspicious items I have never seen in my life. Please remove these fraudulent items from my credit report. 

XXXX XXXX XXXX XXXX {$430.00} XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX {$170.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09
Company: U.S. BANCORP
State: SC
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
My house burned down and us bank received the money from the insurance company. The amount they received exceeds the.loan amount. They refuse to send me.the money. 
I can not get them to send my builder a deposit to start construction. I have submitted every document they asked for. 
Please help us

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 2020-10-09
Company: Paypal Holdings, Inc
State: NM
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
XX/XX/2020 - I m

ade a paypal payment to my landlord. He refunded it immediately. Since then I have been told by paypal that was to expect a refund within 30 days of that transaction ( to my visa debit card on file ). The
bank was aware of the transaction as well.

Paypay is telling me now that the amount was credited to my bank - the bank has verified that it is NOT in my account nor is it pending. It has now been over 2 months since the money should have been returned and it is not returned. Paypal will now not answer my requests to speak to a representative, but gives blanket answers that I should have the money. My landlord also verified with his bank that the money did not go to his account.

I want the {$900.00} returned to me by Paypal that was supposed to  be returned in XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-02-02
Company: FIFTH THIRD FINANCIAL CORPORATION
State: CA
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 had a credit card with Fifth Third Bank that was no longer needed. So I went to one of their banks and had the card closed out. I also called and had them close the card out. Still after that the card wasn't closed out. So they charged the annual fee, causing the card to accrue late fees. Fifth Third agreed that I shouldn't have to pay the fee or late payment fees and said that they would take are of all the negative repercussions ( AKA the reporting of the late payments ). They never removed the history from my credit report. They have told me that they have no record of a call or request to close out a card. I have called them about 20 times and talked to 3 different supervisors. I have also gotten yelled at by their customer service representatives. I have been told that I was verbally abusive to them, and then hung up on as well. I have been told by 1 of the supervisors that they didn't see any late payments on my report, then they denied that the conversation ever happened. All they will say now is that Fifth Third admits no bank error and will not remove the error. Even though they admit it doesn't affect Fifth Third it only effects me their 13 year customer. I can't get a credit card, loan, or financed for anything now that this is on my credit report. I have never been late on any payment for 13 years. This is impacting my wife and her credit score as well as any finance option she is trying to get as well. It is affecting the way we live our life. All because Fifth Third will not admit wrong doing or make me whole based on my horrible customer experience ( lied to and getting yelled at and hung up on ).

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-02
Company: U.S. BANCORP
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:
XXXX XXXX- On XX/XX/XXXX someone from XXXX XXXX pulled my credit report. I am a vicitim of identity theft. I called XXXX XXXX on numerous occasions and was told to write a letter. I wrote 3 letters and have never received any information and the inquiry is still showing up on my credit report as of today XX/XX/XXXX. 

Us Bank- On XX/XX/XXXX someone from US Bank pulled my credit report. I am a vicitim of identity theft. I called US Bank on numerous occasions and was told to write a letter. I wrote a letter and have never received any information and the inquiry is still showing up on my credit report as of today XX/XX/XXXX. 


XXXX XXXX- On XX/XX/XXXX someone from XXXX XXXX pulled my credit report. I am a vicitim of identity theft. I called XXXX XXXX on numerous occasions and was told that the inquiry would be removed from my report. I never received a letter to confirm this and as of today XX/XX/XXXX it is still showing up on my credit report. ( 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 2018-03-10
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: Account information incorrect

Complaint:
I definitely understand the importance of good credit and being a responsible person. During the year 2017, I experienced some health problems that caused me to missed several days, even weeks of work. That lead to getting behind on bills and payments. I contacted XXXX to explain the situation. After several months of treatments and doctors, I am able to get my situation back on track. All I asked for in the GoodWill letter that I faxed to them was to excuse 4 late payments, since out of the 2 years prior I had not been late and now the last 4 months been current or before time. I am the only one employed in our household and everything falls to my shoulders.

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 2019-02-02
Company: AMERICAN EXPRESS COMPANY
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:
XXXX XXXX- On XX/XX/XXXX someone from XXXX XXXX pulled my credit report. I am a vicitim of identity theft. I called XXXX XXXX on numerous occasions and was told to write a letter. I wrote 3 letters and have never received any information and the inquiry is still showing up on my credit report as of today XX/XX/XXXX. 

XXXX XXXX- On XX/XX/XXXX someone from XXXX XXXX  pulled my credit report. I am a vicitim of identity theft. I called XXXX XXXX  on numerous occasions and was told to write a letter. I wrote a letter and have never received any information and the inquiry is still showing up on my credit report as of today XX/XX/XXXX. 


XXXX XXXX- On XX/XX/XXXX someone from American Express pulled my credit report. I am a vicitim of identity theft. I called American Express on numerous occasions and was told that the inquiry would be removed from my report. I never received a letter to confirm this and as of today XX/XX/XXXX it is still showing up on my credit report. ( XXXX  )

Company response to consumer: Closed with explanation