BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-22
Company: Square Inc
State: LA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Square Inc. owns Cash App. 

Cash App stole from me. 

Cash App charged me twice for one order that I made with the XXXX XXXX that is linked to my Cash App account. 

On Sunday, XX/XX/XXXX, I had made a XXXX order with a total of {$28.00}, but I had a XXXX XXXX on my XXXX XXXX for {$5.00} off XXXX. So, Cash App notified me that the discount was applied, and the final total was {$23.00} however, it was actually not applied ... 

On Tuesday, XX/XX/XXXX, I get a text from Cash App at around XXXX CST about a XXXX  order that was {$28.00}. 

Unbeknownst to me, my Cash App account had gone into the negatives because of this sudden {$28.00} charge that I did NOT authorize. I thought my order was {$23.00}? 

Hours later on Tuesday evening, I notice my account is in the negatives, and I look at my transaction history. I see that Cash App charged me twice for XXXX for the same order. Sundays transaction was {$23.00} with {$5.00} XXXX XXXX Applied as a note ( but it was not applied ). Tuesdays transaction was {$28.00} which was the actual amount of my Sunday XXXX order. I checked my XXXX order history to see if they charged me twice but NOPE! Cash App did. 

However, I would then wait for a day to see if maybe it was a mistake on Cash Apps end, and my money might be back there tomorrow NOPE! 

Nothing refunded. 

So, late Wednesday evening on XX/XX/XXXX, I sent Cash App a support request for a refund. 

Around midnight on Thursday, XX/XX/XXXX, Cash App sent me an automated email response to my request informing me to send over numerous information that mostly pertained to the merchant as if its the merchants fault for this. It is NOT. 

An hour ago, today on Friday the XXXX, I told Cash App that I am not sending anything and they need to send me my refund. Cash App had a lawsuit filed against them for making a user send over all that stuff for a refund only to receive no resolution at all. ( The court ruled in the users favor as well ). 


XXXX ; Cash App owes me money for charging me twice on one XXXX order. They owe me {$23.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-22
Company: Experian Information Solutions 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I been a customer with XXXX XXXX for ( 15 ) years, each year, I apply for the loan and was approved. This year, I applied and was sent a letter, stating : 1 ) excessive balances/ derogatory loans 2 ) insufficient refund amount But upon pulling my credit report, this information is incorrect. I ve made several attempts to call the number on the correspondence, but they dont work.

Therefore, I m needing assistance with obtaining, the documents used to make the decision.

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 2017-09-17
Company: Diversified Consultants, Inc.
State: MS
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:
I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you. 

Please provide me with the following : Agreement with the creditor that authorizes you to collect on this alleged debt The agreement bearing my signature stating that I have agreed to assume the debt Valid copies of the debt agreement stating the amount of the debt and interest charges Proof that the Statute of Limitations has not expired Complete payment history on this account along with an accounting of all additional charges being assessed Show me that you are licensed to collect in my state ; and Your license numbers and Registered Agent If your office fails to reply to this debt validation letter within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28
Company: Experian Information Solutions Inc.
State: TX
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  ; Experian and XXXX  are reporting incorrectly that I am ( 30 ) days late on the XXXX XXXX  partial account number XXXX. ( Please see pages attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. XXXX  is also reporting this same account as a duplicate but with a differing account number. Please reference partial account number XXXX. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of lates and reporting a duplicate account is error is seriously harming my credit score and these line item needs to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

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 2023-04-15
Company: Experian Information Solutions Inc.
State: IL
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 tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my 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 explanation
Consumer complaint received 2021-05-04
Company: EQUIFAX, INC.
State: CA
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:
There are three accounts on my Equifax report that are not mine they were never signed used or opened by me and I have disputed these accounts on XX/XX/2021 well I have not received anything back from the bureaus or the furnisher regarding this identity theft matter and I need help with this please. 


XXXX XXXX - Acct # XXXX Amt {$16000.00} XXXX XXXX - Acct # XXXX XXXXmt {$2900.00} XXXX XXXX - Acct # XXXX Amt {$12000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09
Company: Experian Information Solutions Inc.
State: NY
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:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2015-06-16
Company: NATIONSTAR MORTGAGE LLC
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
We have attempted to resolve this matter with the bank several times over the last 4 years. We have dealt mostly with XXXX XXXX at XXXX XXXX XXXX. The bank refused to take payments from us and also refused multiple times to give us a modification. The loan has since been transferred to Nation Star. XXXX XXXX XXXX, our previous servicer, we sued on the basis of attempting wrongful foreclosure the issue is now ongoing for 4.5 years with a foreclosure date of XXXX XXXX, 2015. This has caused extreme emotional distress on the entire family.. I have made repeated attempts to deal with Nation Star in an attempt to speak to someone in authority in order to work out a settlement agreement and I was never allowed to speak with anyone. I was at XXXX time on the phone with them for more than 2.5 hours trying to resolve something and was just passed from person to person all of whom told me the same thing. " that there was nothing they can do. '' There is still no resolution. The home is currently listed and there is a short sale offer pending.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-18
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
The issue I have with my mortgage lender, Nationstar, is that during my modification review the underwriter calculated the incorrect income and expenses that did not correspond with the supporting documents I submitted. My monthly expenses total {$3700.00} and my monthly gross income total {$5400.00}. The expenses the underwriter used for the review was {$4100.00} and monthly income of {$3700.00}. I have requested an appeal and escalated this matter with the lender. I want my loan modification application to be re- reviewed and I have submitted the most recent income documentation to the lender. The underwriter did not review the income and expenses that reflect my financial situation or correspond with the supporting income documents I submitter per lender 's request.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05
Company: EQUIFAX, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX XXXX Account XXXXXXXX XXXX XXXX XXXX  Account XXXXXXXX XXXX XXXX XXXX Account XXXXXXXX XXXX XXXX Account XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-26
Company: EQUIFAX, INC.
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 have sent four disputes to XXXX, XXXX, Equifax all through certified mail. I have several accounts on my report that showed up and i have no clue to how they got on there. including student debt with about 5 different accounts with the same company. i asked them to look into it and to show how they verified these accounts that they state remains. they have failed to send me any notifications on how they verified. the papers they send me even comes back with a different name. now they state that they will not investigate without documents to prove my case. How am i supposed to prove something if its not mine and i have nothing to go off of since they keep failing to show me proof of verification or any documents to these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24
Company: JPMORGAN CHASE & CO.
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
On XX/XX/20 I notified Chase Bank that there had been an additional withdrawal from my account at another bank for a final car loan payment. They acknowledged this and notified me that in 10 business days my bank account would reflect the correction of this ( Sounds a bit long in todays age but I accepted this ). To date this has not happened having been 10 days and they now tell me they will research the case. They can give me no evidence they even processed a refund. Amount is {$280.00} and I feel that the bank has me as hostage and is holding onto funds longer then they should .Not a practice in these difficult times.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-02
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
This is an update based on new gathered information regarding Notary XXXX XXXX, an employee of Aurora Loan Services , LLC and Nationstar Mortgage , LLC. 

Please see attached letters from Colorado Secretary of State XXXX XXXX XXXX-Notary Section, Licensing & Enforcement. 

As of today, XXXX XXXX, XXXX, I have confirmed with XXXX XXXX that XXXX XXXX was required to and has failed to submit any copy of her journal entry for XXXX Quit Claim complaints filed against her from XXXX XXXX. 
We are disputing the validity of XXXX Quit Claim documents signed by XXXX XXXX and recorded in the XXXX XXXX County Recorders Office # XXXX on XXXX XXXX, XXXX and the XXXX XXXX County Recorders Office Document # XXXX on XXXX XXXX, XXXX. 
These documents are claiming that Nationstar Mortgage , LLC has sole beneficiary status of residential property. It is apparent by XXXX XXXX, an employee of Aurora Loan Services , LLC and Nationstar Mortgage , LLC. has deliberately refused to adhere to the Colorado Secretary of States numerous demands to produce the required journal entry for XXXX documents. Furthermore, I have attached an unrecorded Corporate Assignment which was submitted by Aurora/Nationstar attorney XXXX XXXX XXXX of XXXX only to the CFPB, however, XXXX XXXX has never filed this document with any court. XXXX XXXX is listed in a FOIA CONFIDENTIAL TREATMENT REQUESTED BY XXXX XXXX XXXX XXXX on XXXX XXXX, XXXX as Assistant Vice President of XXXX 's investment division which we believe is a conflict of interest as he has continued to litigate in bahalf of both XXXX and Nationstar by XXXX XXXX. ( Download of XXXX pages will not attach. I will mail a copy to the CFPB ) We are asking that the CFPB address and investigate these important notary violations from XXXX XXXX and her employees at Aurora Loan Services , LLC. and Nationstar Mortgage , LLC. 
If I can be of any further assistance in your investigation, please contact me anytime. 

Sincerely, XXXX XXXX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-26
Company: HW Holding, Inc
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Some years ago, I rented a home through XXXX XXXX XXXX XXXX. The lease contained a 30-day termination clause in the event my job relocated me, which is exactly what happened. On  XX/XX/XXXX, I sent written notice to their office in XXXX, GA that I would be vacating the house due to employment relocation in XXXX, GA. 

On XX/XX/XXXX, I received an invoice from XXXX XXXX XXXX XXXX XXXX, showing {$1200.00} due. There was a {$1000.00} deposit on file. I made payment for the {$230.00} expecting that they would keep the {$1000.00} deposit, which would clear the debt in full. I have retained a copy of the invoice and can provide it if need be. 
However, around XX/XX/XXXX, Hunter Warfield began trying to collect a debt from me regarding XXXX XXXX XXXX XXXX claiming that now somehow -- {$3200.00} was owed. Worse, by XXXX, with interest/fees/etc. added, Hunter Warfield is now claiming {$3700.00} owed. 

First, I have no idea where the {$3700.00} figure came from. XXXX XXXX XXXX XXXX sent an invoice to me stating that {$1200.00} was the amount due with a {$1000.00} deposit on file. So even if I hadnt of settled the {$230.00}, it is still beyond explanation how the amount could multiple exponentially couple of years. 

Again, I very much dispute ANY debt is owed to XXXX XXXX XXXX XXXX. Since I shouldnt owe anything, I am absolutely flabbergasted that Hunter Warfield is trying to collect more than TRIPLE the original invoice amount from me. And, they are reporting it to the credit reporting agencies as though the initial amount owed was {$3200.00}. I have disputed this debt numerous times and each time, Hunter Warfield continues to verify it as accurate. I can only assume this means they know they are wrong and dont care.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01
Company: Millco Management
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company has added 15 collections to my credit report in less than a month. I was in the process of getting a mortgage, and can no longer qualify for the lowest interest rates, since my credit score dropped 100 points. The debts do not belong to me. I have never been to a doctor, or hospital. I have even reached out to the original debt company, and they stated they have no records of mine. Ive asked this debt collector to provide me with any paperwork, in writing, but they refuse. They ask for me to call in. It seems to me like they have me confused with someone else.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-22
Company: EQUIFAX, INC.
State: CA
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:
I recently pulled a copy of my credit report and noticed that the 3 credit agencies aren't reporting a score. this is messing up my ability to get a apartment. Not Reported - Code : 4. this is what shows on all 3 credit reporting agencies. 

Also I have disputed address that I have never lived at and they are still being reported. 

I am paying XXXX each month for my credit reporting and score.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-22
Company: Experian Information Solutions Inc.
State: UT
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 XXXX XXXX XXXX  is currently reporting and updating on my credit file. This account was included in my Bankruptcy # XXXX in 2014. They are in clear violation of the Bankruptcy Law Act for updating on my account every month, and this needs to be removed off of my 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
Consumer complaint received 2018-07-25
Company: NAVY FEDERAL CREDIT UNION
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I attempted to open an account and was denied via email. The so called customer service was evasive, unprofessional, refused to answer why. I was not provided any explanation after being on hold for half an hour and being on an abusive, obnoxious phone call. 

What an unprofessional bank.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04
Company: EQUIFAX, INC.
State: NC
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:
This account should have never been written off. It was pending payoff from insurance when I was XXXX and I was told I could stop paying. When it was charged off they told us they would reverse the fees upon pay off. In XXXX they received their payoff and never reversed the charge offs or fees. I opened up an investigation two times and no one called me with results like they promised and never took off fees as promised and never reversed charge offs as promised. Please note entire balance of card at time of XXXX when they told me I can stop paying was paid in full. The only balance remaining is the fees they told me not to worry about

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28
Company: JPMORGAN CHASE & CO.
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I am resubmitting this complaint as Chase is referencing the incorrect transaction. I clearly stated in my original complaint that the transaction took place on XX/XX/XXXX, not XX/XX/XXXX as is stated in their response ( attached ). They have purposely withheld funds and mislead the CFPB. Here is my original complaint : " On XX/XX/XXXX, a debit in the amount of {$2200.00} was taken from my checking account at Chase Bank. It was reportedly sent to XXXX. XXXX claims these funds were never received and Chase states funds were withdrawn and I would need to talk to XXXX. Both institutions are telling to talk to the other. I even went so far as to have a conference call with both institutions to resolve the matter. To this date, no funds have been returned to me. This has caused serious hardship for me in that my mortgage now considered late, late fees were assessed and it has affected my credit. XX/XX/XXXX Online Payment XXXX To XXXX, XXXX. XX/XX/XXXX Bill payment {$2200.00} ''

Company response to consumer: Closed with monetary relief