BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-25
Company: Square Inc
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I booked a trip for 4 clients on XX/XX/XXXX, and received 2 separate payments on XX/XX/XXXX and XX/XX/XXXX for {$7900.00}. After the second payment, Square suspended my account and froze all transfers of money. I then immediately submitted the documentation required to get my account reinstated, including receipts, payment authorization forms submitted by the clients, operating and organizational paperwork filed with the state, and everything else they required. On XX/XX/XXXX they deactivated my account and said that all transfers will be frozen for 90 days. I tried to call them, chat with them, email them, but everything either sends me to a robot or a noreply message with no ability to talk to a human. I now can't pay my vendors, including hotels that are selling out, so may have to cancel my clients trip or have really dissatisfied clients, effectively putting my business at risk. I don't  know what to do!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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  website has been broken for years and no one seems to fix it no matter how many reports one makes. This time they do not allow me to view the online dispute or corrected names of fraud that's on my report! They provided a contact number, '' We are sorry we can not correct this now you need to callXXXX ( XXXX ) XXXX-XXXX  '' and when dialing it it is at for memberships only that tells me how I could order services rather than repair my problems. 
email " Dear XXXX  XXXX, XXXX  has completed your dispute for Confirmation Number XXXX. 
View Now! You may view the results of your dispute online. * To view the status of your dispute, you will need your dispute Confirmation Number : XXXX You have 30 days remaining to access the results of your dispute from our website ; you may not be able to obtain your results online if you do not access before XX/XX/2019. Thank you for giving XXXX  the opportunity to serve you! " Lastly, then it shows that the site can not identify and wants me to verify my identity. I'm going to write the WhiteHouse.gov and report this very same letter anybody 's interested in doing this please feel free and submit it to the president ; whether you like him or not he does act you have to admit and he actually looks at these problems this is federal government issues and it's been made peoples!

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 2020-02-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I was selling a couch on XXXX  for XXXX. The potential buyer sent me a check for XXXX. He told me movers were coming to pick up the couch. If I could pay them with the extra funds. I told them I was uncomfortable but when I deposited the check at my local Bank of American via the ATM it cleared 24 hours later. Once the check cleared I contacted the buy and he told me they could come pick up the couch today at XXXX. He then asked me to pay the movers via the XXXX app. I was to keep remaining XXXX for the couch. Within minutes of paying " the movers '' I felt something was off and called the police. The police came to my home and told me it was probably a scam/fake money. I immediately called BoA with police. I was transferred to 3 different departments with not a lot of urgency to my situtation. I was told there was nothing they could do. The XXXX tranfer showed as pending but they said they couldn't recall it or stop payment ( even though it had been less than 90 mins ). 

After 3 days, the check was declined and I was fined. I spoke with the check fraud department and they told me there was nothing they could do because I deposited the check. The police confirmed it was a conterfeit check ( versus a bad check with insufficent funds ). 

If the check did not clear, I would never have sent the XXXX payment. I am humilated by own studidly but I feel that Bank of America should take some accountability for clearing a fradulent check. The end result, the loss of {$1400.00} only occured because the check was cleared by the bank and showed as sufficient funds for 72 hours.

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 2021-03-24
Company: AmeriHome Mortgage Company, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
We purchased a home and obtained a mortgage in XX/XX/2020 through the XXXX  XXXX XXXX XXXX XXXX in XXXX, Texas. The loan was sold immediately to AmeriHome Mortgage Company. We had been informed by the Credit Union that we could apply for a recast on our loan after a principal loan curtailment. We started the process by contacting AmeriHome Customer Service in XXXX or XXXX of 2020. We were given instructions to send an email to XXXX. We emailed them on XX/XX/2020, XX/XX/2020 and XX/XX/2020. We never heard back after either of the emails we sent. Customer Service told us that we would NOT get an email from them, we needed to wait on something to arrive via mail. We were also told that we could not call them directly and that even the Customer Service department could not reach them directly. So, there is absolutely no way for us ( or anyone at AmeriHome for that matter ) to communicate with the Recast unit! Our only resort is to sit, wait, and wait, and wait, and HOPE that someone received our stuff and are working on resolving it. 
So far, we have received one letter from the Modifications unit. That was in XXXX. The letter came in the mail. It contained instructions on how to pay down the principal in order to be considered for the recast. We submitted a wire with our payment. It has been received. We saw the principal amount go down on our statement, so we do know they received the payment. Now we have been waiting since XXXX to receive the actual agreement in order to finalize the recast application and modify down our monthly payments. We have been told that something was emailed at the end of XXXX, we have looked for the email but have not found anything. 
We have been on the phone with Customer Service multiple times, ad nauseum! We have waisted hours and hours trying to get some help only to be told that there is nothing customer service or we could do! This has been extremely infuriating. Honestly, it has been a disaster! This is the 4th home we have purchased in the last 20 years and we have never, ever had such a difficult time with a mortgage company as AmeriHome! Not only that we can not read out to a department directly, but if we ask to speak with a supervisor in the Customer Service department, we are told they can not even transfer us to a supervisor ... We are told that they would need to place a request and that we would be called back in several hours or days! The last two times I asked for speak with a supervisor, no one called me back. No one!!! 
This has been an awful experience! I am at a point where I feel cheated by the initial lender even ... How dare they get a sale from us only to turn around and hand us over to such a bad lender?! First time to file a complaint with CFPB and I hope I never have to do this ever again.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21
Company: Diversified Acceptance Corporation
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Please review my Inquire # XXXX I filed it with the CFPB on XX/XX/2021. On XX/XX/2021 I received an automatic email from the CFPB stating the Debt Collector has not responded to my inquire, this last XX/XX/2021 I received another collection letter from them, It clearly shows this Debt Collector doesn't have any interest to respond my DEBT VALIDATION LETTER I submitted along with the previous inquire. 
Im attaching the collection letter received from this debt collector LEONARD & ASSOCIATES demanding now {$170.00}. I'm attaching the letter received.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24
Company: Rocket Mortgage, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/2020 my wife and I closed a refinance of the mortgage that had then been on our home. Our first payment was due on XX/XX/2020 and I had planned to make it on XX/XX/2020 knowing such payment would be applied as of the due date. In the intervening time COVID-19 struck and the federal government issued a variety of guidelines for mortgage loans owned by XXXX and XXXX. I confirmed my loan was owned by one of the XXXX and decided to seek a forebearance as I was concerned about income from my part-time practice of XXXX. Months later my XXXX practice income had become non-existent and my wife and I decided we would seek to exit forbearance since we knew what our base income would be. After multiple attempts to get our servicer 's attention we finally received a proposed loan modification with almost no time to review its terms prior to signing before a Notary. After some time I finally had a chance to actually review the numbers and found them to be less than accurate. Since I spent 27 years in financial services I have a bit of experience in this regard. When I contacted my servicer, Quicken Loans, to express my concerns I was then told not only were the figures accurate but the post-dating of an escrow analysis was being added to the mix. I have now contacted the CEO of Quicken 's parent as well as my US Senators about this problem. As many servicers do, Quicken uses the XXXX XXXX garbage system now known by the acronym - XXXX. I worked with the system in a one of its prior incarnations as XXXX/XXXX  - it is literally an ancient system which XXXX XXXX and its predecessors try to keep " current '' by adding a lot of middleware and exporting data. Clearly, their IT staff are largely clueless in terms of actual business knowledge however Quicken staff treat what I have already concluded, in my actual expert opinion, as erroneous is embraced by them. The net effect of this is that I am unable to effect an intelligent review of what I've identified by anyone at Quicken and am hopeful you can be of assistance in this regard.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 called Transunion on XX/XX/XXXX, after I seen my XXXX XXXX reporting balance was incorrect. The Balance for the month of XXXX should be {$3.00} not {$300.00} and its still havent been corrected.

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 2021-11-01
Company: ALLY FINANCIAL INC.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
On XX/XX/2021 My account was placed in fraud status. This is due to the bank illegally obtaining my credit information and illegal down payment information. I was told by a representative that I can not make a payment on the is account unless its a certified check ie XXXX XXXX. My current independent bank is XXXX XXXX XXXX XXXX funds are supposedly not execrable. My credit card used to pay for the car in full was excepted. Ms. XXXX is under Ally Autos Financial and in Charger of the 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 2021-08-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This letter is regarding account # XXXX, which you claim my account was charged off/collections. Please REMOVE this account to on all 3 Credit Bureaus ( XXXX XXXX  and XXXX ). This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. My reason for disputing is : my contract was current. Please also be aware that any negative mark found on my credit reports ( including XXXX XXXX and XXXX ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the Fair Debt Collection Practices Act ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking a minimum of {$5000.00} in damages for : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) You will be required to appear in a court venue local to me, in order to formally defend yourself. For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. -- Very Respectfully, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05
Company: Self Financial Inc.
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with the payoff process at the end of the loan

Complaint:
This account was closed ( Account # XXXX ) by this company more than 30 days ago and I have not received my payout. I have tried contacting by phone several times and it prompts an automated message then disconnects. I have also submitted two contact inquiries for support and no one ever responds at all. Where is my money?!?!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05
Company: FlexShopper, Inc
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I entered into a loan agreement borrowing {$1000.00} under a 90 day same as cash term loan from an agency called FLEXShopper/XXXX. I did not have the cash or personal credit to pay for repairs and tires to keep my car safe and legal in GA. I was presented with a lending option but was not given correct information about the terms and did not understand that the offer was contingent on payment IN FULL by the end of 90 days or I will be subject to XXXX  billing my card an Additional 42 Weeks @ {$45.00} a week. This was a surprise to me as I was told when I agreed to the terms that only what remains after 90 days would double. 

To date, I have paid this company {$520.00}. I currently have a remaining balance of {$470.00} due in full by XX/XX/19 or they will continue to pull money out of my personal account. I am writing today to file a complaint on this company for its predatory lending practices as these types of loans are marketed only to the poor and clearly designed for people indebted long past 90 days. 

People that do not have access to cash, personal, or store credit are targeted and need protection from these types of lenders and the terms associated with the same as cash loans. It is a type of consumer robbery and should not legal. Misinformation and lack of transparency are deeply embedded in the process. 

Lastly, FlexShopper 's online interface is terrible and offers the consumer very little information about the consumers spending history. They need to make an improvement and show me where my money is and how it is being applied.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-21
Company: Experian Information Solutions Inc.
State: WA
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:
On the date of XX/XX/2021, I, XXXX XXXX filed a dispute which included a copy of my I.D card, SSN Card, Bank Statement, Tax statement, a long with a written dispute about an errored Social Security number on my credit report.. I literally sent a copy of my SSN Card and they updated the number on my Experian report the wrong SSN. I would like to have this resolved by the company immediately. 

Respectfully, 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 non-monetary relief
Consumer complaint received 2018-08-25
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:
All three credit bureaus were reporting three different bankruptcies, and the courts do not verify bankruptcies. Therefore, the credit reporting agencies pulled that information from a third party reporting agency. So that information must be deleted.

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 2020-02-25
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Experian is showing an erroneous " new '' late payment in the last 60 days ( XXXX XXXX ). I contacted the creditor, and they assured me the last time the account was updated was in 2016 ( almost four years ago ). So I checked the account standing on Experian 's website and sure enough, that also shows the last update to the account was in XX/XX/2016. However last month, this " new late payment '' appears under my alerts, accompanied by a 23 point dip in my score. I tried for hours to get a live person on the phone, never getting past Experian 's maze of automated options that deliberately land you at a dead end no matter which option you select. After filing a dispute and waiting nearly three weeks, the issue seemed to resolve as the " new late payment '' disappeared, and my score recovered. Now here I am, less than a month later and the same things is happening all over again. Experain is showing a " new '' " late payment in the last 60 days '' ( on the same account as before, with XXXX XXXX ), my score fell by 23 points, and I still can't reach anyone by phone in spite of a half dozen attempts. This is illegal false reporting by Experian.

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 2021-08-21
Company: I.C. System, Inc.
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XXXX is the reference for this complaint for the complaint they sent letters stating the accounts would be removed from credit file. I then went and proceeded to collect the total of XXXX usd in the form of a check. I stated in my affidavit the laws that were violated and what law stated for every violation there is a set fee for it. They sent a letter with their logo on it, stated that I owe a debt and many more violations under the U.S. code 15 subchapter 1692.

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 2017-12-03
Company: John C. Heath, Attorney at Law, PLLC
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
I was having issues with collections on my credit report recently and in the pass with to apartment agencies and also have an issues with other employers and car dealerships doing inquiries on credit report without asking me. I was trying to get rid of my collections, charge offs which I thought were inaccurate and reported incorrectly the credit agencies because of my racial and XXXX veteran background. I tried to work things out with credit repair agencies such as XXXX XXXX XXXX XXXX XXXX XXXX to help me clean my report and dispute the inaccuracies on my credit but all I got was the same results of bad credit and nothing to help me get employment or a home. I was unemployed and homeless at the time of the reporting to the credit agencies but I still paid my bills to XXXX and other credit repair agencies to help to clean my credit. I think terrible service to a veteran and it my credit should be clear of inaccuracies. I hsve contacted all my creditors to workout a payment plan and resolution but most of them have sold the account to collection agencies and credit attorneys who harass me with letters in the mail and emails about making higher payments and threats from old creditors about bills I already paid over multiple times. I just want to new credit report and new start for all my troubles. I did my best to pay everything owe but in the end their trying to make me pay more interest than before if I do n't pay up.

Company response to consumer: Closed with explanation