BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-07-23
Company: Square Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Company name : Square. inc. ( Squareup ) My ID : XXXX Account name : XXXX I was small business owner planed to provide online divorce service as XXXX XXXX XXXX XXXX XXXX XXXX  : XXXX XXXX, Registration # : XXXX. 
The business closed by Square. They hold my money without reasonable reason. They said their decision is final will never release my money to me, but refund to customers. 

The total stolen my money by Square is {$18000.00}. It's been 4 months already. Today I asked my money again with XXXX. They declined and told me their decision is final they will not release my money to me but they will only can refund. 

3 customers ordered for divorce services and paid court filling fees. These money hold by square with no reason. I contact them to release the money but they denied. 

I could not process legal service without money. I had to refund them from my own money because Sqaure hold the money. I had not enough money and it is these guys responsibility I used my owned credit card purchase using square to refund money to customers.However, It failed because these square people hold this transaction again. 

This square company greatfuly hold my credit card purchase too. And this their good reason to hold this money forever. I found out alot of square small business customers having similar issue. they never release money. and they use these money to but other company ( please XXXX square complain and acquisition ) Right after I complained about the holding. They distinctive my account. There were no record left. All my {$18000.00} was gone. I contacted them so many times then the account appears again. They intentionally tried to get my money because I guess my email account is foreign and it is easy target. 
They are holding my money without no reason ( there are no charge back ), dis-active, keep denying because I am sure they discriminate. This is illegal irrational and impossible happen in human world. 

I am keep asking my money back since fist day but the customer service is asking me to refund. I know and these square people know I can not refund these money because refund means loss all the money. I already refund them using my owned money to customers. Square know I will never refund.That 's why they are so bravely holding my money and keep use my money to something else. 

Help. I need my money back. Business closed. I am personally and financially damaged by square.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Per my rights as a consumer under FCRA and Section 15 USC 1681 i did not give permissible purpose nor did I give my written consent for the accounts to be published on my report and as a consumer per federal law the accounts must be removed. The accounts to be removed are as follow

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-11
Company: Navient Solutions, LLC.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
For over a year I 've been receiving robo-calls, adnauseam from a company that shows up on my caller ID as one of 3 names -- XXXX XXXX XXXX, XXXX or Municipal Services. The calls come 7-days-a-week and will start early morning and go right up to XXXX mst. 

If I answer the call, they hang up. If I do n't and it goes to my voice mail the message will say either to call the number and that it 's not a sales solicitation, etc. Sometimes it will say the call is for someone by the name of " XXXX XXXX ''? I 'm not him, do n't know him, have never met him and have no idea who he is. 

I used to get a message from the Municipal Services robo-call message telling me an arrest warrant would be issued for me if I did n't contact them. That 's actually illegal under the Fair Debt Collection Act to threaten to do something that you have no intention of doing. 

I mailed a cease and desist letter to them at the following address and told them I know of no such person they are trying to contact and I would file a complaint if I received another call from them. I stated in the letter that they may call me one time and one time only, just to verify they received the letter. I just got another robo-call last night on my voice mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-13
Company: Army and Air Force Exchange Service
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, Texas XXXX Payment history incorrect. Showing multiple late payments. 

XX/XX/XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XX/XX/XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX XX/XX/XXXX Some look as if they are duplicates.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-23
Company: TD BANK US HOLDING COMPANY
State: NJ
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I launched my initial dispute with my Credit Card Company TD CARD SERVICES and VISA on XX/XX/XXXX for a transaction that executed on XX/XX/XXXX after fighting with the merchant for a number of months. I have since been in contact with my credit card dispute team on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX without resolution. I provided them via fax documentation, receipts and correspondence from the merchant agreeing that the charges should be refunded and resolved. My dispute was closed due to " time frames '' and lack of " record/documents '' that were requested to certify my claim. I have made well over 15+ attempts to work with my credit card company for assistance to resolve the issues with my merchant on my behalf and have received no resolution. I have spent as much time haggling with TD CARD SERVICES/VISA as I have with the merchant in question. This is unacceptable.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-03
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
XXXX  keeps adding the address to my report which I have never lived in IL. I have lived in WA State my whole life, This is a issue I have to dispute every 2 to 3 years. Please remove this address again. It states on my report as of former 2018. 
XXXX XXXX XXXX XXXX, IL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-13
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: OH
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:
I received a settlement offer from Portfolio Recovery stating they will settle my account after I make a payment of {$130.00}, which will then reflect as a " Settled in Full, '' however, it is reporting a balance of {$320.00} and showing as an open collection on all 3 credit bureaus. I did contact them today X/XX/18 regarding this and the representative said it could take 10-21 days to reflect the payment but that the balance will still show and it will remain as an open collection on all 3 reports. This collection needs to reflect closed and paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-23
Company: WELLS FARGO & COMPANY
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
I have a car loan with Wells Fargo Auto Finance. I paid off the principle balance on the loan on XX/XX/2019 at a Wells Fargo banking center. I was advised that I had a remaining balance of {$2700.00} that I needed to pay before Wells Fargo Auto would release the title on the car. It was also explained to me that the vehicle could not be repossessed for late fees only. It was my intention to make monthly payment on the late fees, however, due to a personal matter I was unable to do so. However, I rest assured with the knowledge that the vehicle couldn't be repossessed. 
On Saturday, XX/XX/2019, my vehicle was repossessed by Wells Fargo Auto. When I contacted their redemption department on XX/XX/XXXX, I was told by a representative that I had a principle balance of {$4.00}. I was then transferred to the Office of the President where I made a complaint. On XX/XX/XXXX I received a call from the Office of the President and I was told that my vehicle was repossessed because I had a principle balance of {$4.00}. The gentlemen said he would review the conversation that I had on XX/XX/XXXX to confirm what was said during the conversation. To date I have not heard anything from Wells Fargo Auto.

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 2018-01-13
Company: EQUIFAX, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
The Names on my credit report are completely wrong & Mis splled.. my full name w/ correct spelling is XXXX XXXX XXXX NOT . 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Please help me, I find this information to be very crucial on my credit report and I need it fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-14
Company: Freedom Mortgage Company
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I was approved for the Homeowners Assistance Program on XX/XX/2022. When my XX/XX/XXXX payment became due with Freedom Mortgage I waited to see if the HAF funds would hit. On XX/XX/XXXX I finally scheduled a same day payment so that I would not be reported to the credit bureau. I have never been 30 days past due on this mortgage. When I scheduled my payment I noticed two payments had already been applied on XX/XX/XXXX covering XXXX and XXXX payments and it now showed I was not due until XX/XX/XXXX. I called Freedom Mortgage and she confirmed HAF funds were sent on XX/XX/XXXX and applied to my account on XX/XX/XXXX. I was advised it was ok to reverse my own payment that now appeared as a principal only payment since the HAF funds came through. So I did reverse my payment on XX/XX/XXXX. It updated with the principal payment being removed and I still showed due XX/XX/XXXX. A few days later I get a call that my XXXX payment is due. I look and see Freedom Mortgage reversed ALL payments made. I called and they said they reversed those HAF payments until they get further instructions from their loss mitigation department. This has now caused me to be reported late on the credit bureau and ruined my credit. They are also still holding all the HAF funds and have not applied them to my account in the amount of {$4800.00}. The awards letter is clear that this amount goes towards any past due and if I am not past due, apply to principal. My main concern is being reported to the credit bureau. I never would of reversed my own payment that I made in time to be covered from negative credit reporting had I known they would go back and reverse payments they made days earlier. I did submit a credit bureau dispute with freedom mortgage which there are no guarantees it will be approved. Ive also called numerous times about the extra money sitting in my account but not applied and am told there is nothing anyone can do. We have to wait. These funds are to help homeowners avoid being late. The last thing we should be doing is holding the payments.

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 2019-09-19
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 information incorrect

Complaint:
XXXX XXXX is reporting a collection that I would like a validation of debt for this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 information incorrect

Complaint:
XXXX XXXX -- -- I am not aware of this debt I would like this debt validated or removed from 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 2020-05-03
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: Personal information incorrect

Complaint:
I Have contacted CREDIT BUREAUS on numerous occasions to have incorrect or outdated personal information removed, however, they are refusing to remove the information stating that items come back validated even though the information is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-19
Company: Carter-Young, Inc.
State: GA
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:
On XXXX XXXX I contacted Carter Young Collection Agency Concerning a collection on my Son ( XXXX XXXX XXXX ) Credit Report due to an erroneous apartment collection from a student housing apartment XXXX XXXX XXXX Old XXXX XXXX XXXX XXXX, FL. I was disputing the validity of the debt and provided information on the individual that moved in the apartment in XXXX after my son moved out in XXXX. I received no response from agency. 

On XX/XX/XXXX I followed up with the a second email. Still No response from the company. 

On XX/XX/XXXX I received notification from XXXX that the collection agency had placed the same debt on to my credit report. I have never lived in Florida, had no knowledge of this debt until XX/XX/XXXX. The Collection Agency Maliciously placed this collection on my credit report that is not mine. I as a mother trying to assist her son correcting his credit report was acting in good faith contacting the collection agency to dispute and resolve a debt. This agency made no attempts to resolve the matter but in turn acted in a malicious manner. I have been harmed by this malicious act as I just submitted at application for a mortgage on XX/XX/XXXX and this is prohibiting my ability to qualify for a home for my family. 

On XX/XX/XXXX I contacted the agency 7 times to speak with a supervisor and was continuously transferred to a Ms. XXXX who had preformed the malicious act. I emailed and mailed a letter the company notifying them that my rights had been violated and requesting for the collection debt to be removed from my credit reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10
Company: JPMORGAN CHASE & CO.
State: CA
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:
On XX/XX/XXXX I rented a car from the websight XXXX. They provided me a rental car through XXXX. I prepaid the amount of {$390.00}. * While on vacation in The XXXX XXXX area the car suffered a flat tire. 

I called the Customer assistance number several times over the course of two hours without answer. The car did not come equipped with a jack or spare tire. 
When I finally reached roadside assistance at XXXX they explained COVID created long wait times and to change the tire myself for faster service, then take the car to any XXXX for exchange. Because it was late Saturday/Early Sunday there were no local XXXX locations open. At this point the vacation was over and ruined. 

My only option was to call my roadside assistance and purchase a spare tire for the car. The emergency tire can only go 50 miles. I was more than 300 away from home. The closest XXXX was closed on Sunday. I opted to have the car towed at my expense back to XXXX XXXX ( my home ) and I turned the Car into the XXXX  rental car on XXXX XXXX on Monday night the XXXX. This was the soonest the tow company could schedule. My contract had to be extended one day over through phone through the automated system. It would not allow me to speak with a human. I contacted the manager of the XXXX XXXX XXXX ( I can provide timestamped cell phone records ) who was unhelpful stating there was no after hours drop box. The representative we spoke to earlier made no mention of timing in dropping of the car. Timing was dealt with by the tow company. 
The following witness ( s ) ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) are all responsible parties who can testify to the drop off of the car on the XXXX. 

A few days later I was notified by Chase bank that a fraudulent charge was attempted on my account in the amount of {$2100.00} by XXXX rental car. They closed my account and sent me a new debit card. After receiving a new account number and debit card number, another charge in the amount of {$2100.00} was authorized on my account without my authorization, signature or knowledge. 

A dispute was opened by Mr. XXXX and he was granted temporary credit. However without a chance to explain his side or present witnesses or evidence his dispute was overturned. What car rental is {$2100.00} for three days? Also in confined suspicious activity on XX/XX/XXXX Mr XXXX account was fraudulently charged {$490.00} by XXXX rental car. Mr. XXXX never provided XXXX XXXX rental car with his new account or bank account information. This is the reason we are filing this complaint against Chase who is unlawfully allowing oitside corporations access to the funds of their customers who they are entrusted to secure the finances required for the means of food and shelter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21
Company: EQUIFAX, INC.
State: WI
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:
For several months I've tried to get Equifax to update outdated and inaccurate personal information. I've also tried to have them remove inquiries on my report that I did NOT authorize. Per the FCRA, this is a violation of my rights as only updated and accurate information is to be reported. Equifax 's refusal to abide by the law and fix their mistakes is inexcusable. It leaves me open to fraud, is causing me undue stress and costing me money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08
Company: CITIBANK, N.A.
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Hi, I opened an account with Citibank and my debit card didn't arrive. So I requested another one but explicitly stated, about four times, NOT to overnight the card. Citi did it anyway, and charged me {$13.00}. I contacted a chat rep who waived the {$13.00}, but an overdraft fee was charged in the amount of {$34.00}, which the rep said he was unable to waive and to call Citi. 

Here is a timeline of events that followed : XX/XX/XXXX - requested new debit card from Citi, requested specifically several times in no uncertain terms do NOT overnight the card. Agent overnighted it anyway, charging {$13.00} - account {$12.00} overdrawn XX/XX/XXXX - contacted rep requesting refund for {$13.00}, refund granted XX/XX/XXXX - overdraft fee is charged for {$34.00}, dated XX/XX/XXXX. 

XXXX XXXX Contacted rep online, could not refund overdraft fee as system denied request. Advised me to contact Account maintenance team who would have the option of listening to the original call - gave number XXXX XX/XX/XXXX - called agent to waive overdraft fee. Submitted request, said wait 2 days to see result XX/XX/XXXX - no fee waiver granted, no communication from Citi Escalating to complaint with CFPB

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