BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-27
Company: The CBE Group, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This company, the CBE Group, has been harassing me non stop though my phone is on the do not call registry and has been for years. I dont owe any debts. This company claims that I owe money, wont disclose amounts or information, and calls my phone morning and night, at least 5 times a day. They do not leave voicemails and non stop call even when declined. I need this business to leave my number alone. They call when I am at school and work and are very bothersome and disturbing.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-04
Company: Ocwen Financial Corporation
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
The Servicer, Ocwen, had initially entertained the idea that a short sale could be done on the property. The homeowner is deceased and his wife who is NOT on the loan was the only person that could sign off on the paperwork. Ocwen however, took the short sale review all the way until the very end when we were told that the homeowner 's wife now has to file a probate case in order to be appointed the homeowner 's representative so she can sign off on any paperwork related to the Short Sale Approval ( despite the file NOT being approved just yet ). This was about XX/XX/2018. For the entirety of the time that the file was going through probate, the Escalation Department at Ocwen was fully aware that the homeowner was trying to get this probate case finalized but they started the foreclosure activity on XX/XX/2018 despite awaiting probate decision and set the date for XX/XX/18. We were able to get the date postponed to another 30 days after much resistance from Ocwen ( they let us know there was " nothing '' they could do because the Probate case was not finalized and they needed the probate paperwork in order to review the file fully for a short sale approval ). We had to get assistance from the Foreclosure attorney as well as filing a previous CFPB Complaint on XX/XX/18. As soon as the foreclosure was postponed, I contacted the short sale department and Escalation department at Ocwen to see what other documents they needed in order for the short sale review to be completed. After a whole week of no contact from the short sale negotiator or the Escalations department, I was told by XXXX XXXX from the Escalations department that the file now had to be reviewed for a loan modification. This is concerning because when the loan was taken out by the Homeowner who is now deceased, his wife did not go through the loan qualifications so to have her go through the qualifications now when Ocwen fully is aware that the wife is Unemployed and is only receiving a Pension from her husband 's death. She no longer lives in the house either and when we mentioned all these to the Escalation Department, we were told there was nothing they could do but get the loan reviewed for a loan modification since this was their rule. This rule by the way, was NEVER informed to us. Everyone who we were in contact with at Ocwen always pointed out that they needed the probate documents before they could review the short sale completely and there was never any discussion abt the possibility of a loan modification review being Mandatory. This seems to be a way to waste her time since the review for loan modification does take at least 30 days and the foreclosure date is 16 days away. We escalated everything for paperwork that we could control and Ocwen unfortunately has stalled the short sale review once again.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
Good Morning to whom it may concern I am submitting an Complaint that I have with Transunion and XXXX   regarding XXXX XXXX account balance {$2300.00} this company is trying to collect a debt that I have disputed time and time again with them and the bureaus, along with the original furnisher of debt XXXX XXXX. However it always came back as verified with XXXX saying they would no longer investigate since there is no additional info. I then sent debt validation letters to XXXX XXXX and XXXX XXXX and all that was sent was an account summaries. This is not a accurate or acceptable means of justiying debt per the Fair Credit Reporting act. And with them not providing any instruments of indebtedness, ie original forms of signature, electronic signature or voice recordings. They have to delete. Please hold them accountable and have them delete this off of my credit profile thank you

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 2021-03-02
Company: Experian Information Solutions Inc.
State: CO
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:
After having to make the terrible decision to allow two credit cards to go to charge off status to cut off the incredibly damning interest rates and because they would not work with us on a plan with a reduced rate, I am being reported by Experian and the other credit reporting agencies as having 27 charge-offs by XXXX XXXX and 22 with XXXX  XXXX XXXX. 

There was one charge-off for each, and subsequently, I came to a payment agreement with both. I have been paying as agreed but they report a new charge-off every month. I am told that I can stop paying and then they must stop reporting. This is crazy. If you confirm that the reporting is right, then I will have to seek other action. Please advise.

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 2021-03-02
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 sending this to equifax because of identity compromised. I want these accounts removed. Attached is the FTC report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-27
Company: DISCOVER BANK
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I opened a discover card in XX/XX/2021. I have made multiple payments on the account. My account was closed due to unable to verify personal information last week. They have not given any additional information but instructed me to write to the po box

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02
Company: Square Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I currently use cash App. I have my monthly XXXX benefits direct deposited. For months Cash App has been releasing my benefits at the end of the month, when it's deposited on the XXXX of each month. I never received my direct deposit for the month of XXXX I should have recived {$790.00}. Ive spoken with the department of social security and XXXX they informed me they issued my benefits on the XXXX of XXXX and Cash App has received it, but it was never deposited to my account. The department of SS and XXXX also reached out to them to send the payment back but there was no response. I emailed 2 representatives from cash app, They both were giving me the run around saying they never received it when I know for a fact that they have.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-04
Company: TD BANK US HOLDING COMPANY
State: CA
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:
I purchased 3 items on XXXX, using XXXX XXXX XXXX on XX/XX/2017. Within the return period I came back to the store and wanted to return the items and get a refund. The associate took all three items from me. However only two items were refunded back to my XXXX XXXX XXXX. The third item was not refunded as I found out later checking my account. Moreover the item appeared as " no receipt '' item and thus was supposed to be refunded by XXXX 's gift card. But the associate did not tell me anything and did not give me any gift card. They basically took those money ( {$43.00} ) from me. I tried to resolved that with the store manager and wrote a clam to XXXX 's headquarters office but received no response.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-07-28
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Experian Report # XXXX XX/XX/18 Experian has on this report XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX as wrong and the other one that is right showing XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX There should be no 2 address showing as the same by Experian. Every other month Experian has added information or add something on my credit file and keeps deleting the correct information. Every other month the same thing.

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 2021-03-02
Company: Square Inc
State: VA
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 have a XXXX XXXX XXXX credit card and have no issues with it. My problem is with Square, the payment processor. Square has an automatic process that links an email to a credit card and then automatically sends out receipts to that email. The consumer 1 ) can not change the email - only the person at the email address can do that and if the receipt is being emailed to the wrong person then that is a problem and 2 ) Square has absolutely zero customer support for anyone other than a merchant. You can not call them or email them without a merchant account. 

When a charge is made using my XXXX card at a Square merchant POS terminal, the incorrect email shows at the bottom of the receipt, but the customer can not change it. This is a breach of privacy as well as extremely frustrating. I literally have nowhere else to turn.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-28
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Greetings, I am having an issue with my barclays credit card. I opened he account almost a year ago, and all of a sudden on XX/XX/XXXX my card got declined at a restaurant. I called the banks customer service and was assured the card was going to work on the next swipe. It didnt. Several calls later, my card still wasnt working and no one had he courtesy of telling me that my account was under review because the bank could not very my identity and/or income. A week later a received a letter from the bank demanding access to my tax information to verify my identity. Ive promptly responded with authorising the bank to receive this information from IRS. Its been almost a month that my account has been suspended, and no one communicates with me, and they are not telling me anything about the investigation. I called again today, XX/XX/XXXX, and no information was provided other than the account is still under review. I have a hard time believing that a year after I opened the account, the bank all of a sudden became concerned with my identity not being verified. What were they doing when I applied for the card in the first place. I honestly can not think about any reason other than profiling based on my nationality ( XXXX ) as Ive heard about several other XXXX facing similar problems with XXXX and other large banks. Please, help stop this invasive and unfair treatment by the bank and help me be able to use my credit card again.

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 2021-03-02
Company: Betterment LLC
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I am writing to report the misconduct of Betterment bank and file the complain report against their checking account sign up promotion campaign. I completed all the requirement to fulfill the sign-up bonus but Betterment has not correctly responded to my request and refused to honor the offer. My visits with following numbers : XX/XX/21 XXXX XXXX Shopping trip ID XXXX XX/XX/21 XXXX XX/XX/XXXX Shopping trip ID XXXX XX/XX/21 XXXXXX/XX/XXXX Shopping trip ID XXXX XXXX XXXX is the date when I opened my checking account with Betterment and the promotion campaign was {$120.00} dollars. However, after I successfully funded my account, Betterment didn't honor the offer and terms. Instead, they informed it was their third party 's contractor 's ( XXXX ) fault.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
American Express continues to call for collection purposes despite the account not being past due. American express further advises that no COVID relief is available unless a payment arrangement were agreed to. American Express further claims that no late fees would be applicable under such a payment plan but admits that the plan would be voided were a payment considered late.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-04
Company: Bread Financial Holdings, Inc.
State: MN
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Since XX/XX/2017, I've been receiving multiple phone numbers from XXXX XXXX for someone that is not me. I sent a message via their online portal ( XXXX XXXX XXXX ) to stop harassing me, or I would contact the CFPB. They did not.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-04
Company: PENTAGON FEDERAL CREDIT UNION
State: FL
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: Card was charged for something you did not purchase with the card

Complaint:
my card was lost and stolen me nor my authorized user ever been to XXXX where the card and hotel was used, we never been to XXXX XXXX since we have a XXXX and a XXXX   XXXX where we would never service XXXX cars they go to the dealers, this bank made lying slanderous remarks saying another family member used my card, there is no XXXX XXXX at this address i dont know a XXXX XXXX only people live in my house is XXXX XXXX , mom, XXXX XXXX , brother, XXXX XXXX sister and me that's it no one lives her she lied in her denial letter, THIS IS ILLEGAL she is clearly violating my rights under the FCBA she is saying this is a family or friend and i never MET or know anyone names XXXX XXXX , they clearly lied about the name to pretend it was me where XXXX XXXX and XXXX is not an XXXX   name also a police report was filed with XXXX pd and ic3.gov report XXXX pd number XXXX phone number XXXX, she clearly didn't investigate she then claimed the signatures match and THEY DON'T these are not our signatures.

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 2021-03-02
Company: EQUIFAX, INC.
State: AL
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: Was not notified of investigation status or results

Complaint:
In XXXX and XX/XX/XXXX, I filed a dispute with this credit reporting bureau about the unverified account XX/XX/XXXX Account number XXXX. In those 2months I have asked numerous times for a response or to be and I have not received anything in response from these bureaus in over 60 days. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company about this unverified accounts as of today. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-08
Company: Financial Business and Consumer Solutions.
State: KY
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company is in violation of multiple FDCPA laws.I have sent a validation debt letter and cease and desist letter over 45 days ago. I demand that this company cease all forms of communication with me through any and all mediums.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
XXXX XXXX DOB XX/XX/XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX I am writing to request a correction of the following information that appears on my credit report. 

On XX/XX/XXXX I sent validation letter to all 3 bureaus asking for them provide me with proof of collections that they are reporting belongs to me. I ask them to provide me a contract showing my signature and the agreement. They sent me letter stating the debt was verified but did not send me proof of a signed agreement with the collection agency. 
Transunion  : XXXX XXXX XXXX {$290.00} XXXX XXXX XXXX {$220.00} XXXX  : XXXX {$1000.00} XXXX XXXX  {$1600.00} ( did not provide me proof of signed HIPPA ) XXXX : XXXX XXXX {$1000.00} These account should be needed because I do not have an agreement or contract with them. They are reporting incorrect information.

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 2020-09-03
Company: Choice Recovery, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Medical bill was placed in collection on XXXX XXXX with Choice Recovery Inc. In the amount of {$500.00}. Both accounts has been paid in full and I was told would be removed from collection. 
Transaction IDXXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02
Company: M&T BANK CORPORATION
State: DE
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
reopen. XXXX. This is a checking account that I reported fees on my account because you refused to accept the data that was used on my account. XXXX was credited on my account. there were other fees that you refused to investigate. so I investigated after I received that you reported to the collection of credit. I responded to the collections office that you reported me to. there was about 3 and each time I got the charges off the bank account. I noticed that the amount was credited to my account but you didn't take off the over-drawn changes. one amount was XXXX that was over or closed to 200 dollars. the car was favor on my behalf but could not take off because they said that you should have given me my money back and they couldn't because I could not prove that you did not give me the funds. 

I spoke to your corporate office and was told that you should have taken the charges off and they did not understand why. again I asking you for the funds that you owe me and to take me out of the credit collections. 

I requesting all data from this bank account all credit collection notes. all fees that has a credit to my account and the amount that was taken off. you indicated that I owe you you must report all the information I asked for. send you all information in the paperwork also the car wash charges me twice for one car wash so the proud was if I purchase a monthly bill why would i get a wash if you investigate this the car wash knows that I cancel. just by seeing the double charge. again NSF fees. 

looking forward to my refund.

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