BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-11-15
Company: OLD REPUBLIC TITLE HOLDING COMPANY, INC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Can't contact lender or servicer

Complaint:
XXXX XXXX, you have 24 hours to reply to this NOTICE! 

There has been great fraud with XXXX not able to do business in California from XX/XX/XXXX to XX/XX/XXXX and the DOT was in XX/XX/XXXX which made it void and was not a deed of trust it was Void from the start, and Forgery of my name on the 1-4 rider and won by default in court by way of no Jurisdiction case dismissed. Everyone including XXXX XXXX XXXX XXXX of yours has been involved trying to foreclose on a non existent DOT. 
I am of need for this TITLE ( GRANT DEED ) TO BE RE-CONVEYED AT ONCE. 
There are many arrest WARRANTS issued of 42 Individuals so far with a bill by notice of default sent to 5 different Agency 's Including : Donald Trump, DOJ, GAO, U.S. MARSHALL, SHERIFF DEPT., and now Donald Trump is reorganizing this site as well with the CEO stepping down. see notes to all of the 3 Companies that are doing the fraud, and have no problem issuing more WARRANT AND DEFAULTED BILL TO ANYONE WHOM IS INVOLVED AS A 3RD PARTY COMMITTING FRAUD AND KNOWINGLY OF THE FORGERY. 

notice to and other Agency CEOS ... XXXX XXXX XXXX CEO or Vice President of XXXX XXXX You have 24 hours of this Notice to reply from today 's date as you have not responded in the time allowed previously, please see attachments. XXXX XXXX XXXX NON DISCLOSURE!!! ALL RIGHTS RESERVED ( XXXX : see link above. ) XXXX XXXX as acting as TRUSTEE AND XXXX XXXX XXXX XXXX. AS WELL AND SERVICING AGENCY AS SERVICER is in collusion all together to try and pillage the lands and properties of XXXX, XXXX and many others across the lands, This is in Collusion with ... ... ... ..No Abandonment claim nor right to Service, XXXX XXXX XXXX XXXX  XXXX can not service loans or use the word servicer under a IRS Bulletin 544 Installment sale and XXXX XXXX Material Violation Select Pretend Services Transfers and servicing of financial assets - XX/XX/XXXX - Sale of mortgage servicing rights with a subservicing ... Regulation AB mortgages , installment loans, minimum lease payments under sales-type and Nonrecognition of transferred financial assets Read ASC 860 and SFAS 140-3 Non nonrecognition rules -What Mortgage, Its gone for bond then no more mortgage Violates 1122 AB under the SEC ... DIVEST YOUR SELVES YOUR BOTH ON NOTICE AGENT TO PRINCIPLE, PRINCIPLE TO AGENT Also the UNITED STATES TREASURY HAS MY ENDORSEMENT PAY TO THE ORDER OF AND XXXX XXXX XXXX FOR DEPOSIT PAY TO THE ORDER OF ENDORSEMENT ( V.C. ) AS OF 2 WEEKS AGO APPROX AND DELIVERED. ONE MORE SHALL GET IT ... THANK YOU FOR YOUR BUSINESS.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16
Company: EQUIFAX, 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: Account status incorrect

Complaint:
XX/XX/2020 my car loan with XXXX XXXX  was reported as closed, lowering my score 75 points across all reporting agencies. XX/XX/2020 my credit was reported correctly with the information updated to reflect that my account was still current and open. I am still paying on this loan. As of XX/XX/2020, the account closed again and my credit dropped. I filed disputes in XX/XX/2020 with all 3 agencies and have called XXXX XXXX  multiple times with no resolution. Due to this, I am no longer eligible for financing for a mortgage loan. I am filing another dispute with all credit agencies in order to get this fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
During the financial crisis of 2008 to protect our small business a cash withdrawal was made against my Bank of America Master Card. Since then payments have continuously been made. Bank of America explained that the payments are not made to the higher interest cash loan. All payments that were made went to the balance of the credit card while the higher interest rate cash loaned increased the amount owed. I have repeatedly contacted Bank of America to reduce the interest rate. They continue to decline my requests even though the balance of the past due amount has been paid off and the payments higher than the minimum due have been paid. Bank of America for years advised me that they review the accounts to reduce interest rates if there are no late payments and a substantial monthly payment has been made, all of which has been accomplished. 

My complaint is to have my interest rate reduced and any credits applied to my account if it is deemed that Bank of America has acted unfairly and has taken advantage of consumers during the financial crisis of 2008.

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 2019-08-02
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:
The following companies ran unauthorized credit inquiry on my credit report. Please remove the following inquiries as these are suspicious to me : XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-02
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Collection agency reported a collection debt to my credit report with XXXX  and XXXX without notifying me of the debt in writing. Only phone calls. Disupted entry with XXXX and demanded validation of the debt. They reported " Information verified as accurate '' and nothing else and no other information was sent to me. As of XX/XX/XXXX, no written communication of any kind has been received by me regarding this debt and calls continue.

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 2021-09-23
Company: GOLDMAN SACHS BANK USA
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
My Apple Card information was used I went to the XXXX  store where it was used at and XXXX the head lead couldnt find anywhere where my card was used and searched for anything bought with my email and there was nothing however when I was working clocked in serving tables in a different city my card was used for XXXX $ And I did not make that purchase or authorize it I was working

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-23
Company: Paypal Holdings, Inc
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unexpected or other fees

Complaint:
I am a XXXX XXXX XXXX retired woman who was cleaning out a closet containing old guns and ammunition to gather funds to supplement my social security income which is my only income. I sold them through XXXX and some people paid through Paypal. All sales were conducted legally following all state and federal laws. Hindsight and an email from Paypal led me to see in the fine print of their user agreement that Paypal does not allow selling and buying of guns, gun parts, or ammunition. I immediately stopped using Paypal for my transactions. 

Paypal confiscated over {$11000.00} from my account. They say I violated their user agreement and the money was taken to compensate them for damages. I spoke with 2 different people, the second one, a supervisor told me there were no options, no way to appeal their decision and that he could not reveal my violation of user agreement. He said that each violation bore a compensation of {$2500.00} to Paypal and that I had multiple violations and the money was for damages sustained by Paypal. I asked what damages were sustained and he could not answer. 

When Paypal informed me by email that my account was frozen on XX/XX/2021, they said they would hold my funds for 180 days. They said that they would email me after that time. I never received any more communication from them. I looked at my account and on XX/XX/2021 they posted a payment to Paypal for damages cause by Acceptable Use Policy violation. Just like that! Poof! My money was gone! I can not see how any damages were incurred by such a large worldwide company. 

I feel like the penalties were excessive. I feel like Ive been robbed. The entire balance of my account, {$11000.00}, is gone. I can not find any way to speak to anyone else. When I asked this supervisor, XXXX, if there was someone else I could speak with, he said no, there was no one higher than him. Im hoping that you can help me regain at least some, if not all of my monies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX High Credit Credit Limit Past due balance Date opened Date last active Date last reported Date last payment All this information is inaccurate and I asked that it be removed on several occasions and never got a response nor an update

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 2021-09-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
In XXXX and XXXX of this year, 2021, someone used my ATM debit card from the Bank of America to make XXXX  of dollars of unauthorized purchases. I never lent my card to anyone, and I never told anyone my debit card number, PIN, or the three-digit security code on the back of the card. This person, or group of persons, drained my checking account of over {$3700.00} in unauthorized purchases, mainly from XXXX XXXX, XXXX, XXXX, XXXX XXXX, and many other merchants. I filed a police report with the XXXX XXXX Police Department, and I faxed this police report to the Bank of America. Despite all of my efforts, the Bank of America has declined to reimburse me ; they have stated they don't believe my claims of fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-06-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
On XX/XX/19 I spoke with XXXX at Capital One, who advised me of plans to bring all 3 of Capital One Accounts update. For the first credit card he advised me if I paid XXXX on XX/XX/19 and then another payment of XXXX on XX/XX/19, the remaining past due balance of XXXX would be waived. Then for the 2nd card I was advised I needed to make one single payment of XXXX on XX/XX/19 and the remaining past due balance of XXXX would be waived and for the last card. I was advised to make a single payment XXXX on XX/XX/19 then past due balance of XXXX would be waived. I asked XXXX multiple times if this information was correct and he assured me everything he was saying was accurate. I made all the following payments on the given dates, only to contact Capital One on XX/XX/19 and to be advised the information was incorrect or they had no idea, or the payments just made my account current and they would have to review the calls, As a Capital One card holder, I think their business practices are scrupulous and what makes it so bad it was on a recorded phone line and their reps should not give false information in order to get a customer to make a payment. On XX/XX/19 I spoke with a very condescending and rude rep by the name of XXXX XXXX, who first claimed the call was from XX/XX/19 then she placed me on hold and came back on the line and claimed the the rep didn't provide me this information, and I requested to speak with a Manager or someone else the rep refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have disputed these accounts, filed a police report, and submitted a FTC complaint. Upon reviewing my credit report in XX/XX/XXXX, I noticed 4 separate fraudulent accounts ranging from credits cards to medical bills. I have been successful in removing some items but I continue to see several items showing even after my repair attempts. Account in question : Creditor Date Opened Balance XXXX XXXX XX/XX/XXXX {$970.00} XXXX XXXX   XX/XX/XXXX {$990.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$1000.00} XXXX   XXXX  XX/XX/XXXX {$1000.00} Clearly, these accounts are all over the place and nowhere in my real credit history do we have examples of this type of disregard for credit worthiness on my credit report. I have not applied for credit with any of these companies. Nor have I allow anyone to use my information in acquiring credit these companies. I have been a victim of identity theft, and I did not make any of these charges or create these accounts. I am requesting that these items be, removed from my credit report. I have acquired a police report and submitted it with this complaint. Including a copy of my ID, and social security card. As required in F.C.R.A Section 605B.

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 2017-11-13
Company: WESTERN UNION COMPANY, THE
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
I was send my money from western union in fagatoto XXXX $ to my bank account in XXXX, until now my money can not pass in my bank account

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18
Company: JPMORGAN CHASE & CO.
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I got an offer to refer a friend to the chase marriott credit card and that I would receive 40,000 marriott loyalty ( XXXX ) points if my friend opened a credit card. I took advantage and referred someone who opened a new card. This was back in XXXX and I still don't have my bonus points. I've spoken to no less than 5 different chase representatives who have all given me different responses as to why I don't have my points. Responses include : I don't know ; your friend did not open a card ; your friend has to open a marriott account as well as a card ; your friend has to stay at a marriott hotel before you can get the points ; the deadline for the points to arrive hasn't passed yet, they are still being processed ; your points have been transferred, it is no longer chase 's issue, it is now marriott 's issue. I have spent many hours on hold and on the phone trying to get resolution but, I still don't have resolution. I feel like chase duped me and my friend into a promotion that they are not able to honor.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-23
Company: Colony Brands, 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: Reporting company used your report improperly

Complaint:
I DID NOT CONSENT NOR AUTHORIZE THE FURNISHING OF MY CONSUMER REPORT AS A FEDERALLY PROTECTED CONSUMER ACCORDING TO:
FCRA 15 USC -
1681b(a)(2)
1681d(a)(1)(A)(B)
1681e(a)(b)(c)(e)
FDCPA 15 USC-
1692e(a)(b)
THE ATTACHED INFORMATION IS UNAUTHORIZED/FALSE AND MISLEADING/UNDERMINING/IMPAIRED.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-26
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
XXXX is nothing but a rip off sham. They have been cheating me with {$20.00} a month interest only XXXX XXXX dollar balance regardless if I make a payment. OBVIOUS this can not be legal. This crytic flim flam billing is criminal to say the least. PLUS they deliberately do not answer the phones. Irrefutable they are conniving thieves being evasive and deceptive. THIS is a worthless store credit card. Countless complaints online same scam!!!!!

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 2022-02-18
Company: Block, Inc.
State: MS
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Cash app refuses to give me access to my stimulus payments XXXX XXXX  XXXX they say for my own security I was able to obtain from the IRS the last XXXX numbers of the account that it was deposited to ( XXXX ) and I immediately give this information to Cashapp how come I lost access in the first place was because of confusion I had set up a new account and did not even realize it for almost a year well come to find out long story short someone apparently hijacked my account and im just assuming because I've not been able to talk with anyone from Cash app other than chat message im very disappointed in there customer service and lack of respect for me as a Citizen who simply tried my very best to deal with this in house with them but they refuse to help me at all so this is why im here today I just want and need my money no one will help me cause and i know im not the only person to have similar issues with Cashapp as soon as i figure out how im gon na seek compensation for XXXX  months of XXXX simply because they are pathetic when it comes to Customer Service they should be shut down and never allowed to operate in our Country it's nothing but a safe haven for criminals and scam artist First deposit XX/XX/XXXX second deposit XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23
Company: The CBE Group, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have received a letter from the mail on XXXX XXXX from some debt collection company called cbe group ( XXXX XXXX XXXX XXXX XXXX, IA XXXX ). They sent me a bill for XXXX for a debt they claim from XXXX. I have never purchased or sold anything on XXXX. The letter I received states that I have 30 days after receiving their notice to dispute the validity of the debt or any portion thereoff, otherwise their office will assume the debt is valid. I believe this company is completely fraudulent and not sure if I should even contact them. Not sure what to do if anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23
Company: Resurgent Capital Services L.P.
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: Reporting company used your report improperly

Complaint:
I DID NOT CONSENT NOR AUTHORIZE THE FURNISHING OF MY CONSUMER REPORT AS A FEDERALLY PROTECTED CONSUMER ACCORDING TO:
FCRA 15 USC -
1681b(a)(2)
1681d(a)(1)(A)(B)
1681e(a)(b)(c)(e)
FDCPA 15 USC-
1692e(a)(b)
THE ATTACHED INFORMATION IS FALSE AND MISLEADING/UNAUTHORIZED/IMPAIRED/UNDERMINING.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
This account is reporting inaccurately & incorrectly on my report. I have the same account reporting as PAID with no balance and positively however they have reported a DUPLICATE account that is reporting with balance & charged off. This account is severely impacting my scores and needs to be removed as soon as possible. 

I have reached out to the bureaus & creditors MANY times but have reached no resolution. They are violating my rights under the FCRA. And definitely adding up to the burden of the COVID 19 pandemic to my life. I feel disheartened knowing that I have been trying to resolve this and get no resolution at all, Please help me.

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