BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-24
Company: Square Inc
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
On XX/XX/XXXX, I sent a payment for {$95.00} on my cashapp to the wrong person then right after sent it to the right person. I then requested a refund from the wrong person I sent it to and have not yet gotten my refund. Ive been chatting with Cashapp support regarding this issue and they are asking me for information that I have given them about the person that I was suppose to send it to. I asked the person for the information I needed and have given it to cashapp support and theyre still saying that they cant verify the information Ive given to them and keep requesting the same information I gave them. They are refusing to move on with my refund request and requesting the same information I gave them. I just need cashapp to refund my {$95.00} for the misdirected payment at this point it is really starting to frustrate me. Just give better customer service and simply give me my refund. I am attaching documents showing the payment sent to the wrong person and the refund requested and also the payment sent to the correct person. Also the screenshots of my conversation with cashapp customer service is attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
Company: eToro USA LLC
State: NY
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Etoro option promised a bonus for depositing {$500.00} in funds, I had completed the terms yet the company refuses to honor the bonus offer by claiming that I had " abused '' the program and that it arbitrarily reserves the right to decline the promotion. 

As I have completed their stated terms I feel that the company should honor its offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-28
Company: Seattle Service Bureau, Inc
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
.I have a a unverified account from NATIONAL SERVICE BUREAU , INC . I had previously disputed this account. I have never done business with NATIONAL SERVICE BUREAU , INC. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. 
I request that NATIONAL SERVICE BUREAU , INC Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that NATIONAL SERVICE BUREAU , INC Cease and Desist all further communications and collection actives and provide the verification of the purported debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20
Company: Resurgent Capital Services L.P.
State: NV
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount

Complaint:
The company kept withdrawing from my bank account on the wrong day this happened 3 times creating over a {$100.00} in overdraft fees. 
I called the office twice and visited the office and spoke to the manager Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XXXX, old credit card accounts, closed, sold to debt collectors. XXXX continues to send derogatory credit reports to the credit reporting agencies. This is unacceptable as XXXX no longer has any business at all interfering with my credit status.

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 2020-08-20
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
XXXX has been my student loan servicer since XX/XX/XXXX since my loans were consolidated and rehabbed. There are multiple incorrect/ inconsistent late payments reporting across all 3 credit bureau with different balance and dates. Not only are the late payments incorrect, I have documentation that the account was supposed to be in forbearance or deferred at the time. The loans originated from XXXX XXXX XXXX University which is closed now due to fraud so I am unable to get any information from the institution. XXXX had the loans first they are now involved in a lawsuit. A new class action claim that was filed on XX/XX/XXXX against XXXX also included my some of the situations I've dealt with. I have reached out multiple times to try to correct my file with no action the last time was XX/XX/XXXX. Per FCRA this needs to be addressed it must be taken off my credit or adjusted.

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 2020-06-30
Company: Payward Ventures Inc. dba Kraken
Product: Money transfer, virtual currency, or money service
Sub-product: Foreign currency exchange
Issue: Fraud or scam

Complaint:
I am complaining that Kraken, a regulated United States exchange,  who has processed payments from my account to possible fraudulent third parties, in particular to the merchant XXXX. XXXX  deceived me into paying for services which I never received, and refused to return my money. Upon notifying Kraken and providing proof of the situation, Kraken refused to return the funds that were wired to the beneficiary account at XXXX XXXX XXXX that is the name of Kraken and that are related to me. 

These funds were for my retirement which my late husband left me, and I was really depending on them to make life easier now in my senior years. I have been left devastated after being effectively scammed by a merchant called XXXX using Kraken as their processing exchange. I am distraught over the loss of this money, it has had a terrible effect on my mental health and life in general. 

Kraken has been silent on the issues raised in the attached letter and refuses to respond after several attempts of communication. 

Attached letter sent to Kraken and copy bank receipts of the payments made.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10
Company: Synter Resource Group, LLC.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Sent a Debt Validation letter to Synter Resource Group via postal mail, email, and certified mail. The Debt Validation has not been responded to. Synter Resource Group continues to harass me. Synter Resource Group has failed to provide proof the debt is owed, but keeps issuing invoices.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-06
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Went on annual credit report to get my free report after having a big problem I wanted to call the CEO of Experian but XXXX what there not in the United States there in XXXX this is wrong no wounded we getting hacked this has to be shut down the credit agencies need to be here in the UNITED States not over seas

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 2020-06-30
Company: Conduent Incorporated
State: AL
Product: Credit card or prepaid card
Sub-product: Payroll card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting a working replacement card

Complaint:
XXXX XXXX Master Card 2go program for GA unemployment insurance. 
XX/XX/XXXX I ordered a replacement card as mine was lost. I paid to have it expedited.Was told by the agent two days. Card never showed. XX/XX/XXXX I called they cancelled order and ordered new card. Told me that i would have it in two days. Still no card. My bills are late and my phone is shut off. Also, I will be contacting a lawyer. The fact that they just flat out lied is what really perturbs me. I will maintain my composure and conduct myself as a gentleman but i am XXXX  to put it mildly. On several occasions i remained on hold for over an hour. I had to set my alarm for XXXX jusft to speak to an agent, including supervisors that all flat out lied. I will be recording my conversations with your lying agents going forward. Direct reflection upon leadership : guess you're all liars. 
Card was lost so i have no card number

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06
Company: EQUIFAX, INC.
State: NC
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:
Upon reviewing my updates, incorrect information is being reported to my personal credit file. The Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX, Equifax and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries and addresses are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these items from my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13
Company: AmeriHome Mortgage Company, LLC
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Ended forbearance at end of XXXX. Paid amount due in full. Need letter stating no longer in forbearance AND balance due was paid in full. I have been on the phone with Amerihome mortgage at least 5 times over the last 3 months and promised a letter stating the above. Have never got a letter stating forbearance ended AND past amount due paid in full. I can not get another loan approved until XXXX gets these letters. I have been trying for 2 months to get these letters. I call every two weeks. The lack of letters ( and my inability to get a loan I qualify for ) is causing financial hardship due to Amerihome incompetence. The agents there try, but the request gets passed to a different department that keeps sending form letters that aren't what I need. Three months in. No end in sight. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
This is disturbing! The Credit Reporting Agencies are not being compliant with the Federal regulation and continued reporting the disputed account from my Credit File without properly sending me copies of proof of verification or any documents bearing my signature to support the Credit Reporting Agencies claim that the disputed accounts belong to me. I have reached the peak of my patience because of the credit Bureaus inability to verify the information being reported on my Credit report. I started disputing the accounts from my Credit report which I believe to be reporting erroneous information on XX/XX/XXXX and the the most recent letter I sent was dated XX/XX/XXXX, all dispute letters attached with complete attachments of my personal identifying documents. I have been requesting the Credit Bureaus to correct the information they present on my Credit File and yet they have done nothing! The Credit Bureaus are required to verify for themselves. They have continued reporting the disputed account claiming to be reporting accurate and verified information. I do not agree with their findings and demanded documents as proofs of verification which they have failed to provide. Under the provisions of Fair Credit Reporting Act section 605b, I am submitting this CFPB complaint requesting that the Credit Reporting agencies remove the following accounts completely from my Credit report as soon as possible : XXXX XXXX Balance : {$0.00} Date XXXX XXXX XXXX  XXXX Balance : {$0.00} Date XXXX XXXX  XXXX  XXXX Balance : {$1500.00} Date Opened : XX/XX/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 2021-04-27
Company: Conduent Incorporated
State: IL
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
I am filing this complaint because a transaction was made on my account on XX/XX/2021 in the amount of {$180.00}. I contacted the store on XX/XX/2021 directly and the store manager was no help. So I contacted corporate as well on XX/XX/2021 and they informed me that I would have to contact the institution in order to get my money back. Unfortunately the card is my child support card so I am unable to get a hold of anyone. These charges occurred in New York. I live in IL and have never been to New York. I feel like I am being punished for someone stealing my card information. I have canceled the card and requested a new one.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30
Company: Eagle Accounts Group, Inc.
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I joined XXXX XXXX XXXX on XX/XX/2020. XXXX XXXX XXXX is located at XXXX XXXX XXXX XXXX , XXXX, IN XXXX. The assistant manager was extremly rude to me on several occations. Also they were not observing social distancing in the gym because the equipment was extremly close to each other and was very crowded. The gym was dirty and not where I wanted to go. I told the owner I wanted to cancel afer 3 days. He agreed and sent me a cancelation form. I filled it out and dropped it off to him. He would not give me copies of my contract or signed cancellation form. However I took him at his word that I would be cancelled and refunded my money. After 2 weeks, I did not see a refund. I notified him and he said he was not going to refund my money. He also stated if I disputed the charges with my cerdit card company, he would charge me for a full 3 months and addtional charges and send over to a collection agency. I did dispute the charges with XXXX XXXX Credit card. They reversed the charges. He has sent this over Eagle Accounts Group located at XXXX XXXX XXXX, XXXX, IN XXXX. They are trying to collect on a cancelled account and with added fees that I do owe. Please help as this company ruthless in its business practices and trying to extort money that is not due to them.

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 2018-10-19
Company: Experian Information Solutions Inc.
State: OH
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:
Current Date Your Name Address City, State, Zip Code SSN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  D.O.B. : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CRA NAME Address City, State, Zip Code Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance.

Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? 
Who verified these accounts? 
You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ).

Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 


I demand the following accounts be removed immediately : Account : XXXX XXXXXXXX. Never paid late. 

Account : XXXX XXXX XXXXXXXX did not pay late XX/XX/2018 Account Number # XXXX XXXX XXXX XXXX XXXX : know knowledge of this account. 

Account number XXXX : XXXX XXXX XXXX XXXX - Know known knowledage of this account Account number XXXX : XXXX XXXX : know knowledage of this account Account number XXXX : XXXX XXXX XXXX : never been in this state

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 2017-12-22
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Missing SEPA withdrawal since XX/XX/XXXX - Initiated SEPA withdrawal of XXXX from Coinbase to my bank account on XX/XX/XXXX XXXX CET - Promised completion of this transaction XX/XX/XXXX - Support ticket created XX/XX/XXXX - > Still waiting for any response or action - Transaction shows still " pending '' in Coinbase account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
I am not familiar with the following addresses that is on my report, this is an improper use or reporting of my credit, kindly remove the following addresses because they do not apply to me. 

XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX 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 2021-07-07
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
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:
citizens bank would not do a charge back for XXXX dollors for something I ordered online that never arrived and the company I bought it from disappeared.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
Customer service does not correlato with the loan department with consolidation methods. Just recently I filed a consolidation request with US Education Department to consolidate my student loans under XXXX XXXX so that XXXX XXXX would become my only servicer for my student loans. First Navient took its time in providing XXXX XXXX pay off information, allowed someone to change my change my address on my account Nd sent me sn email of an address change ; and sent me sn email that my forebearance period woukd end next month knowlingly that the consolidation and playoff process with XXXX XXXX was to take place this month. Previously before the address change had taken place, I sdvised Navient that my account had probably been compromised via XXXX breach, and Navient ignored my request to protect my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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: Investigation took more than 30 days

Complaint:
I sent Trans Union a dispute via Certified mail with return receipt that they received on XX/XX/2023. XXXX XXXX As you can see, it was sent from my hometown of XXXX  CT, from the post office on the same street that I live on. That being said, XX/XX/XXXX made 30 days and Trans Union had failed to complete the investigation into the disputed accounts on my consumer credit report. It is to my understanding that every account in question that they have failed to investigate now needs to be deleted from my consumer credit report. Attached will be the certified receipt that they did in deed receive the dispute and the copy of the letter I had sent them. I am aware I can now sue in a court of law for violations. If they would like to avoid that, then the accounts they failed to investigate within 30 days need to be deleted from my Trans Union consumer credit report.

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