BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-02-22
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This is 2nd complaint against Santander. Been trying since XX/XX/XXXX to fix this mess. They have refused to co-operate with our continued efforts to fix mess they made with our escrow account. Blaming town, me, everyone but themselves. They made tax payments, took $ $ out of our account, then charged us additional $ $ saying taxes were outstanding. They pay the taxes, why are they outstanding? We are being charged extra {$580.00}. Have tried to cancel escrow, they will not do without us paying extra fees, claims it is in our contract and that we got .25 % less of a rate for them doing the escrow. However, our mortgage was done under HARP so that is a lie. They refuse to send me proof or that we signed anything to this effect. Refuse to send me copies of cancelled checks for taxes paid to town. They paid our taxes for XX/XX/XXXX and took XXXX out on XX/XX/XXXX. in XX/XX/XXXX the took out XXXX saying it was outstanding taxes for the above payment when none was due. Was told onXX/XX/XXXXby XXXX XXXX - their XXXX tax dept - that it was an overpayment and that in 24-48 hours we would get $ $ back into account, and ok for us to pay P & I pending reimbursement. $ not back in our account. Sent cert. letter to tell them to stop paying taxes, they ignored and paid our XX/XX/XXXX tax against our wishes. Refuse to reimburse the $ $ they took out. Where is this money???? We paid our XX/XX/XXXX mortgage at bank, principal and interest and XXXX arrears in escrow, pending the reimbursement of {$580.00}. However, now getting collection calls that our mortgage overdue, illegally charging us late fees, and even though our receipt says it is for P & I, they are refusing to credit our account. They are making collection calls and sending letters that we have not paid our mortgage when we have the proof we did, and we are not behind.

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 2018-03-06
Company: Conn's, Inc.
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
For the past 2 years you have been reporting me late to the credit bureaus and continuing to damage my credit. As we discussed on multiple occasions, I was set up on auto pay when we opened the loan and for some unknown reason, the auto payments stopped happening. Once we fixed this, you told me you would be removing all the late payments from the credit reporting since it was your fault. You have never done so. Further, each time I speak with someone they say that this was your fault and that they would remove all the late payments from the credit reporting. This is really damaging my credit and keeping me from qualifying for a home mortgage for my XXXX kids. I need this fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX  and XXXX  are reporting 11 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 6th dispute letters to XXXX and XXXX  since XX/XX/2021 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
EQUIFAX IS REPORTING 11 FRAUDULENT INQUIRIES RANGING FROM XX/XX/2021 TO XX/XX/2021. XXXX  IS REPORTING 30 FRAUDULENT INQUIRIES RANGING FROM XX/XX/2021 TO XX/XX/2021. XXXX IS REPORTING 19 FRAUDULENT INQUIRIES RANGING FROM XX/XX/2021 TO XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-09
Company: Early Warning Services, LLC
State: NY
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:
Early Warning Is Blocking me From Opening Up Checking Accounts With XXXX, XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX  this Account Where Not Open by me All This Banks Account Where Open Fraudulent and i never Gave Permission to this Banks to Open Accounts. with my Permission Please Help me with this Early Warning Denied All My Claims For All This Fraudulent Checking Account and Added The Block back to My Early Warning Consumer Report. a Police Report and Identity Report from FTC Was send And Early Warning Denied the Information and al the Disputes where denied ...

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I tried to authorize the app, " XXXX '' to use my Capital One 360 account but Capital One is blocking this feature. 

I should be able to pay for things with my money wherever and however I choose.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-22
Company: Statebridge Company
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/2017 I closed a contract agreement with the Illinois ( XXXX ) in conjunction with XXXX   XXXX XXXX XXXX ( XXXX ). XXXX would pay Statebridge ( SB ) {$19000.00} to bring my mortgage account current, and make monthly mortgage payments to my account for 12 months. During this period SB has charged fees to my account for late pays, foreclosure fees and sent adverse information to the credit bureau, which violates their agreement with XXXX and me. ( see attached paperwork ) SB has recently threatened me with foreclosure even though they have been paid on time by XXXX. Because of the fraudulent information on my credit report I can not refinance etc. SB practices burying money upon receipt and post on account whenever they feel like it, usually after the 15 day mortgage payment grace period. XXXX and I have been told while talking by phone with SB, that it may take up to 45 days for payments to post. ( Rather convenient since all mortgage payments are due no later than the XXXX of each month. )

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-23
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
I have XXXX to Coinbase on XXXX XXXX. On Coinbase website, they received the payment but set the status of it to " Pending '' and a message showing that the amount will be available on XXXX XXXX. 
On XXXX XXXX, I opened a case with the Support and still did n't get any reply from their support team. Today is XXXX XXXX and the case is still open.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07
Company: Square Inc
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I have been having issues with Cash app since XXXX. It started with me sending {$280.00} to a wrong account belonging to my daughter. That issue lasted a month. My daughter finally was able to send it back to my account in XXXX. Cash app only gave her {$270.00} and that is the amount she sent back to me. I received a replacement card for my account on XX/XX/2020. I attempted to use the card on XXXX XXXX. The card was declined. Several more times after that, I attempted to use the card. It continued to be declined. Then I reviewed the card against the information on the app. The card showed a different CVV number and a different expiration number on the card than what was on my account. I discovered that this is the reason why my card kept getting declined. So, I immediately reported the card lost and the app locked the card and sent out another one. I have just received my new card. I reviewed the card itself with the new information that is on my app for the new card.. The same issue is true with the new card that I just received today. The account number is correct ; but the CVV number and the expiration number is different than what is on the card. The card will be declined when I attempt to use the card. Cash app is deliberately sending my cards that I can not use to access my funds. Then if I use it and it declines, then they will lock my account in order for them to investigate. Cash app is getting a little of my money at a time and constantly locking my account. My money is not available to me at this time. My account is locked because cash app locked it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04
Company: Ygrene Energy Fund Inc.
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
i feel like i was tricked and preyed upon I never knew nor gave permission to run my credit. my credit is how they charge their interest rate on my credit rating in which they knew wasnt qualified for it but saw the equity in home. i am XXXX years why would i sign a 30 year loan A lot of the information was hidden from me the contract was done over the phone ygrene sent paperwork to my grandaughter email because i am illiterate and dont really understand english to understand all the terms are buried in FinePrint then I never signed the contract to this day. i wasnt told that i would pay them with property taxes and that they were putting a lien on my home. These people make you use their contractors, which I wouldn't have an issue with ... except they all quoted me 3x higher than 3 separate local contractors.. It's sad that they take a clean energy situation and turn it into predatory lending to take  advantage of consumers Excessive program fees, the program is represented as an assessment that is paid like taxes which made my mortgage go up so much that I can not afford my home anymore they charged application fees processing fee underwriting fee jurisdiction recovery fee??? 
recording fee disbursement fee title fee escrow fee energy audit fee origination fee bond trustee fee now i have a lien on my house for {$80000.00} i need this to be investigated i want them to stop going into my escrow

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 XX/XX/XXXX, I sent this company a letter requesting that they validate the date and they sent me an itemized bill. The original creditor is trying to make me pay a deductible for services that wasn't performed. I informed my Warranty company XX/XX/XXXX that they did absolutely nothing just came out and didn't even look at the issue and said they can't do anything and they said I am NOT RESPONSIBLE FOR this debt. I then sent a letter to the collection agency on XX/XX/XXXX requesting for them to show proof that services were rendered by this company and they just said the debt was verified that is not accurate and they continue to report this debt on my credit when the Original creditor DOES NOT have proof that they even provided services. I am not in the process of pursuing civil litigation action and even pursuing obtaining a consumer rights attorney regarding the bureaus continuing to collect on this unverified debt. This debt collector as well as the original creditor are continuing the report this and is a violation because they are charging me for services that were never honored by the original creditor. I have filed several disputes with the credit bureaus and they are responsible for the burden of proof and method of verification this debt is not accurate and should be removed!

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 2021-07-08
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX, Equifax and XXXX  are reporting 5 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 6th dispute letters to Equifax, XXXX  and XXXX  since XX/XX/2020 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-18
Company: FIRST HORIZON BANK
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I was using the online banking for my reoccurring mortgage payment. I had to change the amount of the payment. So i stopped the original payment and reentered the new payment. XXXX XXXX sent both payments. I called them on several occasions to get the funds returned, they said I would have to request the mortgage lender to return the funds. I did request them to do so on XX/XX/XXXXThey returned the funds vis electronic funds on XX/XX/. ( see file first line ) XXXX XXXX refuses to credit these funds, saying that the transfer did not happen. I have proof of the transaction but they still refuse to credit me these funds

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-11-15
Company: EQUIFAX, INC.
State: NC
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:
On XXXX XXXX XXXX XXXX XXXX tried to pull a credit report & credit score & they were unable to obtain a credit score. I've spoken to someone at Equifax at least 4 times about not being able to retrieve my credit score and as of XX/XX/2018, nobody has been able to resolve the issue. I'm currently under contract to purchase a property and approval is pending upon review of my credit score. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Capital one has been committing bank fraud in my account. The account has money disappear in mid transaction from thw balance other than funds involved. 

evidence shows {$3.00} missing between deposit and balance. 

Numerous other instance

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08
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:
A previous investigation was filed for an inquiry on XX/XX/2020 from XXXX XXXX  XXXX. 

The results of the investigation revealed that the inquiry was deleted from the credit report. 

However, the XXXX XXXX  XXXX inquiry from XX/XX/2020 is still reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit card
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:
Yes on my Walmart card. List it back on XX/XX/2019. They sent me replacement. Card. But clised my account hurt my credit report. Like too see if I can get closed account deleted. Was nit my fault. They should correct too all 3credit bureaus. I'm.on XXXX going thru hardship.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-18
Company: Experian Information Solutions 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 contacted XXXX  a couple of times to complain about a report on my credit that was dismissed through bankruptcy, it was for a student loan that I had got 10 years ago and had been paying on it every since, never a late payment, when I filed my bankruptcy the student loan was included and all of my debt was dismissed through Chapter XXXX. I had a co-signer on the loan and the creditor tried to collect from my co-signer 3 Months later, when my co-signer called me and told me what was going on I immediatedly call XXXX XXXX and worked out an agreement to resume payments until it was paid in full, I also made up the payments that were missed during the bankruptcy proceeding and am now current. I spoke with XXXX  and Experian regarding the same issue and it has been resolved but for what ever their reason XXXX has not removed the 4 missed payments and my debt to then has been dismissed

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 2018-11-15
Company: Paypal Holdings, Inc
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
This issue is with Paypal. I've been letting them handle my finances for years now and I've NEVER had them hold on to funds that was sent to me for more than three days. I was sent a payment on XX/XX/XXXX of 2018 through a free service to send money to friends and family from a trusted company that is Paypal verified in the amount of {$3800.00} ( USD ) and Paypal said the payment was sent via a echeck which takes 3-5 business days to clear. I asked them for a credit until the funds was available and I was denied by a escalation supervisor by the name of XXXX XXXX ext. XXXX. It is now XX/XX/XXXX XXXX EST and my funds are still not available as promised. I called in XXXX times today alone and was assured my money would be available today. I am currently still on hold with Paypal for a fourth time and my wait time is now up to 2 hours and 30 minutes with no resolution. I was informed by the company that sent me the money that the {$3800.00} was taken out of their account over three-four days ago so that tells me that Paypal is holding my funds.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-15
Company: JPMORGAN CHASE & CO.
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: Public record information inaccurate

Complaint:
Im having trouble with my bank and the credit card that was issued to me. At first I managed it pretty well but when I went through hardship I had to use it more then Id liked too so my balance was high. But even before then since I could remember my APR is at 24. I never was late on my monthly until Last month because I felt like just giving up. Ive tried to plead for them to work with me but am declined every time. Also I have a checkings account where theyre killing me with fees. All together Ive paid at least XXXX in fees. Their app doesnt show transactions until days later and the balance is not accurate. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-18
Company: Account Control Technology, 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:
On XX/XX/2018, I sent a dispute letter to Account Control Technology , Inc. disputing an entry they placed on my credit reports. In dispute, I specifically requested that they provide : *An agreement that states thier authority to collect on this alleged debt ; *Agreement with signature of the alleged debtor wherein he/she agreed to pay the creditor *Alleged account number *Date this alleged debt became payable *Original delinquency date *Verification that this debt was assigned or sold to collector *Complete accounting of alleged debt *Name and address of the bonding agent for collection agency in case legal action becomes necessary Account Control Technology, Inc. neglected to submit the information as requested that would validate the debt. Additionally, they failed to submit any documentation that bore my original signature, failed to provide the original delinquency date, did not provide proof that the statute of limitations had not expired for this debt, did not provide the complete accounting of the alleged debt, did not prove that they have the authority to collect on this alleged debt in the state of Texas nor did they provide the name and address of the bonding agent for their collection agency in case legal action becomes necessary. 

Account Control Technology , Inc. must delete this unvalidated, unverifiable, inaccurate, erroneous entry from my credit reports immediately!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief