BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-14
Company: Remitly, Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
I am going to complaint about Remitly.com, is a worldwide online money transfer.Remitly, Inc. 
XXXX XXXX XXXX, XXXX XXXX, XXXX, WA, XXXX ( XXXX ) XXXX www.remitly.com Unfortunately, this is first time I sent money online thru Remitly.com on XX/XX/2019 worth {$290.00} and it supposed to be delivered by XX/XX/2019 in XXXX, XXXX. But not deposited yet after 18 days going on. They charged from me more for Express Delivery.I talked with their customer service several times starting from XXXX XXXXXXXX 3 times,  chatted 2 times and emailed 1 time. From the very beginningthey are keep saying that they are investigating and still they didn't give me any positive response.It should be mentioned that by this time I sent them XXXX XXXX Bank Statement which shows that XXXX  didn't receive any amount yet.When last time on XX/XX/XXXX, I asked them to return my money back immediately otherwise I am going to complaint to the proper authority, they reply and asking for another 3 to 4 days.I am disappointed and requesting you to take the necessary steps asap to get my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-19
Company: BBVA FINANCIAL CORPORATION
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:
Hello, my name is XXXX XXXX and the reason i am writing is to correct an error that i see on all of my credit score reports. I have contacted The Creditor " Compass Bank multiple times everyday and they still do nothing to resolve the problem on my Credit report. Here is The Credit Card Number : XXXX XXXX XXXX XXXX. " Compass Bank '' is reporting a false missed payment on my report. I called " Compass Bank '' and i spoke to Supervisor XXXX XXXX and he agreed that it was a mistake on behalf of Compass Bank and that all my payments were on time and that i should see no late payments or missed payments on my credit reports. I am asking them to please correct this error on my report. 

After waiting 1 month the late payment still shows on all of my reports, i called The Creditor " Compass Bank again and i spoke to Supervisor " XXXX XXXX '' and i sent him proof of my bank statement showing more than enough balance to make the payment and he saw that i did have enough funds in my bank account to pay the balance and he also saw that i made multiple payments and The Creditor " Compass Bank kept reversing my payments. 

The Creditor " Compass Bank is giving me a hard time, i am a single mother and this credit score is affecting my character as a consumer, i have spoken to my lawyer and he saids this is defamation of character and that i can be compensated for this, he also said to try reaching out by the Cfpb to see if anything could be solved before filing the lawsuit. I have been disputing this issue for 2 months and they have yet to resolve the problem.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-15
Company: ID Analytics, Inc.
State: TX
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:
SageStream , LLC purports to be a legitimate consumer reporting agency, and they are in fact listed on the CFPB web site as such. However, the instructions to contact this company ( for any matter, not just for a copy of a credit report ) are misrepresented at best. When calling the company 's main number, one is taken through a litany of options which all result in recorded instructions to send your confidential and sensitive personal information to them using unverifiable addresses and fax numbers. The only other option is to " hold '' to speak to a live person, but that option only leads to an automatic " we're sorry but everyone is busy '' message with instructions to leave your name and number at the beep for a " call back within 24 hours ''. In this day and age of Americans receiving numerous daily calls from scammers from everywhere on the planet, how is anyone to know if the " call back '' you get from SageStream , LLC isn't someone posing as an identity thief? If this company were legitimate, they wouldn't structure their consumer interface activities in such a clandestine manner. I have tried in earnest to make contact with someone at SageStream ( without leaving my sensitive information " at the beep '' ), and I have no way of knowing that I'm not voluntarily giving away everything that I've worked for my whole life.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-20
Company: EQUIFAX, 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:
I disputed a fraud inquiries on my credit file and the status said it was deleted some how the information stay on my credit file and it hasnt been removed after the fact that the dispute saying deleted confirmation numbers are XXXX and XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-20
Company: M&T BANK CORPORATION
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened an M & T EZChoice Checking account on XXXX XXXX, XXXX. M & T advertised a promotion that promised a {$150.00} bonus after a direct deposit of {$100.00}. I have met the conditions for the bonus and when I asked a customer service representative when the bonus would post, she told me that the promotion was targeted to particular persons and that my name was not on the list, so I would not be receiving the bonus. This is not true, the terms made no mention of this being a targeted promotion and I replied stating this. A second representative replied to me and she changed the story, saying that the account was opened in a region that was not eligible for the promotion. The terms also made no mention of this. M & T should honor the terms of the agreement that they made with the customer.

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 2017-09-23
Company: SUNTRUST BANKS, INC.
State: GA
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:
I applied for a free bottle of supplement with a company name XXXX XXXX. I canceled the membership before the trial period ended, also the card I gave them was closed and a new card was issued. Suntrust allowed the XXXX XXXX to charge a card they did n't have to authorization to charge nor did they have the card number.I am in GA and my family was affected by XXXX XXXX and because of Suntrust negligence, my family has been without food 2 days.They are refusing to reimburse fees for an illegal transaction they authorized. NOT ME. I NEED MY FUND 3 DAYS AGO. 

PLEASE HELP

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 2019-10-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In XX/XX/XXXX, I filed a Chapter XXXX Bankruptcy for credit card debt relief which was discharged in XX/XX/XXXX. At the time of filing I had a Visa credit card, first mortgage and second mortgage with Bank of America. I qualified to keep my home and continue paying off the mortgage, so the only account listed on the bankruptcy was the Visa. Shortly after the discharge, my second mortgage was sold and BOA no longer services that loan. However, I regularly check my credit report and saw that BOA was no longer reporting payment made toward my first mortgage to the credit bureaus, and my credit report shows both accounts as closed. I filed a dispute with XXXX XXXX about the first mortgage, but I was unsuccessful. I then contacted BOA by phone and was told I would need to submit a dispute in writing which I did some time in XX/XX/XXXX. I just received a notice from BOA dated XX/XX/XXXX. It states : " We received your inquiry to adjust information previously reported to the consumer reporting agency for the above referenced account. We've completed our investigation and have confirmed : This account is being reported as a discharged bankruptcy ''. This information is 100 % wrong, it was NOT listed on the bankruptcy and I have never missed a payment toward this mortgage OR my second mortgage. At this point I feel helpless, all I want is for them to report the payments I've been making so I can rebuild my credit. Why is this so difficult?

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 2021-02-18
Company: Nelnet, Inc.
State: CA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I sent NELNET XXXXffidavit of Truth and a Invoice. 
They are in violation of : 15 Us Code 1692j. ( a ) 15 US Code 1692g. ( b ) 15 US Code 1692e. ( 1 ) ( 9 ) ( 10 ) I have invoiced {$5000.00} for these violations to NELNET

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-05
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:
The company has responded that it is still working on your issue and my credit score dropPed 70 points cause i reported this to CFBP?

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 2018-01-06
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I was pulling my credit to looking into buying a home this year and I seen that there was quite a few unauthorized accounts on my XXXX XXXX, XXXX, Experian reports. I have not access my credit file since XXXX or XXXX and it seem as if someone use my personal information to access utilities and cable bills. I do not recognize these accounts that are listed on my credit file XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX ... I no longer live at the follow addresses I have been the victim of ID Theft so please remove the following address : XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX SQ, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH 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 explanation
Consumer complaint received 2019-10-15
Company: Alliance Collection Agencies, Inc.
State: MN
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
1. They kept calling, leaving messages without identifying who they were and why they were calling. 2 They contacted people outside my home. 3. They threaten to take other actions if I didnt call back. 4. I returned the call and got the name of the company and realized it was a collection agency, Alliance collection Agencies in WI.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-15
Company: Square Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Cash app!!! Last week I got money sent. Because the screen on my phone cracked. 

I tried to login, MY EMAIL asked me to create a new account. 

I have been emailing for a week, NO response until today. 

I got a copy and paste response ... a different person responded and asked for the I go I already gave ... ..then stopped RESPONDING. 

I even tried to use another email. They BLOCKED ME AND DONT RESPOND. 

I needed my money, NO matter the amount. 

They are not trying to give me my money back. I HAVE ALL EMAILS CONFIRMING THIS. PLEASE HELP ME GET MY MONEY BACK. THANK YOU

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-14
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: Public record information inaccurate

Complaint:
I wrote Equifax twice ( XX/XX/2018, XX/XX/2018 ) and challenged the accuracy and compliance of information on my credit report regarding a previous bankruptcy. I asked Equifax to validate the following information regarding the item I challenged : 1 ) provide me with copies of documents bearing my signature, 2 ) provide me copies of the verification from the Bankruptcy Court itself. Equifax did not comply with my request. I contacted the Bankruptcy Court, XXXX XXXX XXXX California, to find out how the Court verifies information to Credit Bureaus. The Clerk of the Bankruptcy Court replied and said the Court does not report nor verify bankruptcies to Credit Bureaus. Therefore, it is obvious Equifax did not verify the bankruptcy information with the Bankruptcy Court. Based on the requirements of Fair Credit Reporting Act, I request that the XXXX XXXX XXXX XXXX inform Equifax that Equifax is not in compliance with the Fair Credit Reporting Act by not properly verifying bankruptcy information with the Bankruptcy Court. I request that Equifax delete the unverified bankruptcy from my credit report. I have attached documents to this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-15
Company: EQUIFAX, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
My wife and I opend a joint credit card account that she is the primary holder of, I am just an authorized user.I had never used that account ever.However, It has been affecting my credit score so much so that my credit score took a nose dive of 53 points with Equifax today, which prompted me to close the joint account on my side on the phone today.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-15
Company: CITIBANK, N.A.
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I had opened a citi bank credit card on XX/XX/2019. In order to open this card you needed to connect your bank account to put your own money on the credit card. It is not borrowed money from the credit card. You can only spend what you deposit onto the card. I deposited {$900.00} onto the card. Which came out of my bank account. On XX/XX/XXXX I had spent ONLY {$900.00} on a purchase. Which was my money I deposited onto the account. After i had spent my money that was in the card to make the balance {$0.00}. I called and closed the account because i only needed the card for 1 purchase. So on XX/XX/2019 the account was closed. On XX/XX/2019 I got something saying my minimum payment of {$25.00} was due. I didn't understand this because I had closed the account. Didn't borrow any money from them. Only used exactly to the XXXX what I had deposited onto the card. And now they are calling me telling me I owe them over {$200.00} when I had closed the account before the billing cycle. And only spent my money that I deposited.

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 2019-10-15
Company: AMERISAVE MORTGAGE CORPORATION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I was solicited by AmeriSave on XX/XX/2019 for a refinance on my current property after inquiring online and giving the consent to being contacted. The agent who helped me started the application after finding out more about my current loan, job status, income, etc. Based on all data provided and my consent to pull my credit report I was told I qualify for a refinance just on my name and the numbers were clear and I accepted on my side. I was told I had to pay {$500.00} for the appraisal and that money was going to be reimbursed to me after the closing on XX/XX/2019 which was the date settled. I was not informed about those {$500.00} not being reimbursed should the closing was not happening, I was not informed about the possibility of not even closing. All the conversation was based about the fact that I qualify and I had to follow the steps in order to arrive to the final stage. I had to send all documents, tax returns, social security release information, consent to contact my employer, etc. I did all of that right away, and since the very beginning I told the agent I have been having 1099 's for the last 4 years. Everything was looking and working perfectly until I was contacted by another loan processor by AmeriSave asking me for the W2s, which I replied right away that I don't have W2s but 1099 's and the agent who took the application knows about it. Then he said he was sorry but the application was based on W2s numbers and the file was delivered to him as if I had W2s. That was obviously a miscommunication between the agents. A few days later I was contacted by the firs agent asking for more proof of income, and not a lot longer he said I was not qualifying for it. 
Had I knew those {$500.00} were not refundable I would have made a better informed decision, had I knew there was a possibility of not qualifying I would have decided if I wanted to move forward with the application. The agent never mention the fact that not qualifying was an option. 
I feel misrepresented by the fact of not being informed about the {$500.00} not being reimbursed if I don't qualify. 
After claiming many times the {$500.00} and being told by the first agent that he was going to see what he can do because he was not in the business of writing loans that will not get approved, I decided to continue claiming the money until I got a call today from another agent from AmeriSave. I was told the same, that the {$500.00} were not refundable, he even said he could read the statement that says that is not refundable ( I feel this should have been done the first day before paying ) and there was even a clause I signed about it. He basically told me he was sorry because I signed it, but I was not well informed.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-12
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
My identity was stolen. My social security card and id was stolen on XX/XX/XXXX. Since then i have notice multiple accounts and inquires appear on my credit report. The following accounts and inquires were not authorized by me and are in fact fraudulent. 

Creditor : XXXX XXXX Account number : XXXX Balance : {$950.00} Creditor : XXXX XXXX  Account number : XXXX Balance : {$550.00} Creditor : XXXX XXXX XXXX Account number : XXXX XXXX Balance : {$160.00} Inquires XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX 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 2019-04-20
Company: SUNTRUST BANKS, INC.
State: DC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I surrendered my car two years ago because of hardship. I could not keep up with the payments..I really believe that the vehicle was way over priced. I needed it because the one i had prior from the same dealership had computer problems, that could not be remedied. So i needed another vehicle for work at that time. After getting the vehicle i looked at the " blue book '' value and realized that i was charged {$15000.00} dollars more then the car was worth and payments almost {$500.00} a month + insurance. So when i could no longer work because of health issues. Which I relayed to the lender. And was put on a payment plan.I found myself struggling to survive. I am on XXXX now. I received a letter from XXXX XXXX XXXX with an offer to pay 25 % of the debt. I called and was told i would have to pay it off in 3 month. When i called back. I got another irate representative that told me that i could not pay what i had agreed on. I ask why,,, she demanded that i pay the whole amount. Because of my XXXX i can't afford to go back and forth with this. I need help.

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