BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-04
Company: Square Inc
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
On XXXX at XXXX there was a charge from my Cash App card for XXXX that o did not make or authorize and at XXXX another unauthorized payment was taken from my account for XXXX. Both unauthorized usage went to XXXX Store in XXXX, Texas. I tried reaching the merchant by phone but they only have a chat support service. I did the consumer chat service and explained why I was calling they told me that they show no charges for the money I reported was to XXXX  Store. I called Cash App again and reported what the merchant told me. Cash App sent me a long list of things that I needed to file with them for my case. I promptly fill out their needed information and sent it to them completed. That was done on XXXX, now today XXXX they sent me another long list which asking if I filed a police report. I did contact the police here in XXXX, Texas where I live and filed a report but Cash App wanted a copy of the report in full detail sent to them also. The police told me that they have never heard of a company request for a copy of a report sent to them. But the policeman gave me his name, badge number and phone number and me to give Cash App this information and they could call him and hell give them the information they need about the report. But I cant reach Cash App to give them the answer to what the policeman told me because a recording from each time I called says that they have a high volume of calls and to request a call back to the number I dialed from. Well I did that and they did call and asked me what problems I was having. I told them about what was happening and I wanted an update on the case I file with them concerning my money missing from my Cash App account but the phone went silent and I got no response from them after asking was they still there 3 times I hung up. Social Security is all I get and to have this money fraudulently and unauthorized taken from me is very serious, they took all of the XXXX cents I deposited in my Cash App account and now they seem to be ignoring me or sending me more questions about why I need to fill out more paperwork. I need help retaining my money back from my Cash App Visa Card. I have a medical trip out of State and that money is needed badly for this medical trip. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have a hard inquiry on my report from Capital One. I have never applied for a credit card with this company, and need it taken off immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-22
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: Their investigation did not fix an error on your report

Complaint:
XXXX is reporting a single late payment over 7 years old to 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 2020-10-15
Company: Experian Information Solutions Inc.
State: FL
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:
XX/XX/2020 XXXX XXXX XXXX should be removed as they stated they did not pull my credit and was unable to pull my credit due to fraud alerts that prevented them from doing so. I informed them that it was being refected as being pulled but they denied this occurred, I had called each creditor to inform them of this and I have documented e-mails/calls from the company stating that they were unable to pull my credit. 
XX/XX/2020 XXXX XXXX should be removed from my credit because he pulled my credit after I informed him that I did not want to work with him. I have e-mails and text messages to support this.

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 2020-10-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
XX/XX/2020 XXXX XXXX XXXX should be removed as they stated they did not pull my credit and was unable to pull my credit due to fraud alerts that prevented them from doing so. I informed them that it was being refected as being pulled but they denied this occurred, I had called each creditor to inform them of this and I have documented e-mails/calls from the company stating that they were unable to pull my credit. 
XX/XX/2020 XXXX XXXX should be removed from my credit because he pulled my credit after I informed him that I did not want to work with him. I have e-mails and text messages to support this.

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 2018-06-28
Company: POPULAR BANK
State: NV
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Bank put a retroactive 60 day freeze on account. Said freeze would be lifted if I submitted statement from bank the funds came from to the fraud deaprtment whhich I did several weeks ago but the freeze was never lifted. After the 60 day freeze was up they still will not let me transfer money. They say the fraud department is still working on it but will not say why. They will not call back. They will not answer e-mails. I have called several times over the last 4 days ( XX/XX/XXXX-XX/XX/XXXX ) with the same zero results.

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 2020-10-15
Company: Absolute Resolutions Corp.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company has repeatedly harassed me after I have responded to them several times expressing that this is not my debt and did not open this account. It seems they bought this account from another company that previously I thought the matter had been resolved. I have sent them several letters requesting proof on how I supposedly opened this account but I get no response. Just several threatening phones calls and letters saying they were going to take me to court and seize my assets. This has been going on for several years through multiple agencies. I would just like this matter resolved and the harassment to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15
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:
THE ACCOUNTS/INQUIRIES LISTED DO NOT BELONG TO ME SOMEONE STOLE AND USED MY SOCIAL SECURITY NUMBER AND PHOTO ID THESE ACCOUNTS ARE FRAUDULENT I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX, XXXX  and Experian CRA. On XX/XX/2020, I mailed XXXX, XXXX  and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and XXXX XXXX XXXX for other possible violations of the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03
Company: NAVY FEDERAL CREDIT UNION
State: WA
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:
- Had contacted NFCU about claims being closed before, rep from NFCU indicated all the documentation is something like a proof of purchase or something like a proof of return. 
- All claims are closed ( see attached ) claiming I did not provide the documentation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
EXPERIAN did not verify information on my credit report as accurate. i sent 2 diuspute letter as its is causing harm to my credit

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 2018-04-22
Company: Risecredit, LLC
State: ND
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
Rise credit use questionable verification process to deny my application for a loan. I had previous loan with Rise credit and my payment history was excellent and I paid off the loan completely early. Rise credit have constantly soliciting me for more loans through emails and letters sent to my home. 

I provided several documents of very sensitive and confidential information regarding my banking accounts. They now claim the documents could not be verifiable and manipulated. But Rise credit didn't report to the police and they advise I reapply to them in 45 days. I don't understand why would they want me to reapply if this was a Fraudulent account? 

I asked to speak to Management and that did no good. If Rise credit can't determine if an applicant is legit then I am concerned that they have my confidential information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-22
Company: CITIZENS FINANCIAL GROUP, INC.
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
citizens bank will not approve a loan modification because I work please help me they put me in forclose because the wanT XXXX XXXX even thought Im only XXXX be dind PLEASE HELP ME MY address XXXX XXXX XXXX XXXX ohio

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-22
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: KS
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
We thought we were only 3 months behind on our payments and on XX/XX/XXXX we  sent 1 payment and again on XX/XX/XXXX we sent another payment so then we thought we were only 1 month behind. But apparently we were 4 moths behind and Carrington rejected both payments and filled for foreclosure. Since then we have been trying to work with them to no avail. The first loan mod was declined because we didn't make enough money and now that business has picked up they are refusing to review the second application because we are to close to the sale date. We were just as close with the first application and they didn't refuse it so why are they refusing it now? It makes no sence to us. We feel like they have not tried to help us at all and they are just setting us up for failure.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-07
Company: Total Card, Inc.
State: CA
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:
I am a victim of identity theft and identity fraud. After viewing my credit report, I recognized the inquiries on my report that I did not authorize. 

Name on Credit Report : XXXX/XXXX/XXXX  XXXX/XXXX XXXX XXXX XXXX, SD   XXXX  Inquiry Date : XX/XX/2018

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03
Company: Santander Consumer USA Holdings Inc.
State: NJ
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Yes, I paid my debt for an auto debt on XX/XX/XXXX. Was sent a letter that was paid on XX/XX/XXXX. On XX/XX/XXXX it showed on my credit report that it was not paid. I will like it off my credit report or at least showing with a XXXX balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27
Company: Navient Solutions, LLC.
State: NH
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
At this time, I have paid Navient approximately {$16000.00} from XX/XX/XXXX through the current date. I'm in good standing. My original loan was issued for {$13000.00} on XX/XX/XXXX. As XX/XX/XXXX, I still owe {$13000.00}. This company takes advantage of young adults who want to go to school, the interest rates spike so high that most payments only go towards interest. I have already paid back the original loan amount and then some. To still owe almost the same amount of money to this company as I originally borrowed 14 years ago, with long standing payments is asinine. There is a recorded call ( Navient ownership ) from XX/XX/XXXX discussing this issue. Thank you for your time reviewing this, and please let me know if I can provide any additional documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15
Company: EQUIFAX, 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:
THE ACCOUNTS/INQUIRIES LISTED DO NOT BELONG TO ME SOMEONE STOLE AND USED MY SOCIAL SECURITY NUMBER AND PHOTO ID THESE ACCOUNTS ARE FRAUDULENT I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX CRA. On XX/XX/2020, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and XXXX XXXX XXXX for other possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-20
Company: SYNCHRONY FINANCIAL
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Lowes closed our business account for XXXX XXXX XXXX with no warning and no reason when our account was in good standing.

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 2021-08-20
Company: JPMORGAN CHASE & CO.
State: VA
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:
One of the Chase offers was : " Get {$50.00} back when making two separate transactions with XXXX XXXX XXXX on wireless products or services of at least {$25.00} each. Valid in-store or online at XXXX XXXX XXXX or over the phone '' I ordered wireless products online at XXXX XXXX  XXXX. After I added this offer to my CHASE Southwest Credit card, I made my two purchases of {$26.00} each at XXXX XXXX XXXX online on XX/XX/XXXX. Still no {$50.00} credit. 
my account. Offer expired on XX/XX/XXXX, and I cant return my purchases back to XXXX XXXX XXXX. Chase denying payment. Please help me. Thanks in advance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-12-08
Company: AMERICAN EXPRESS COMPANY
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This company calls me several times per day and at unusual times in an attempt to harass me for a bill I do not owe. They are calling about a corporate credit card past due amount and I have not worked for the subject company for approximately one year.

I have explained to this company that I do not owe this bill but they robocall me every morning and evening and on weekend mornings.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-23
Company: Eagle Accounts Group, Inc.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you in a state where you do not live or did not sign for the debt

Complaint:
The friend of the court in XXXX, Michigan sued me for a debt that i know nothing about and still moved forward even after i asked them for the contract that i signed for the debt without them validating anything. This all started on or around XX/XX/2019. I have contacted them and told them of the mistake, but they still pushed forward. They never served me properly and never had a cause of action for the suit. They have falsely reported this on my credit report. They have slandered me publicly by putting my face on a wanted poster. They had my drivers license suspended all with no validation of anything.

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 2020-05-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
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 was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2018 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03
Company: Elevate Recoveries, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Elevate Recoveries contacted me as early as XX/XX/XXXX. When they called, they didn't disclose who they were and the purpose of their call. The young lady on the phone began asking me for personal information such as my name, address, the last digits of my social security number. And when I didn't give the information and asked who they were and the purpose of the call. The lady was very rude and obnoxious. Over a period of 3 months I continued to get phone calls from Elevate Recoveries. I noticed from a credit card statement that my credit dropped from XXXX to XXXX. I contacted XXXX  to find out why. XXXX mailed me out paperwork to show me what was on my credit report. I received the report and I seen that XXXX Recoveries submitted a claim of {$1800.00} for XXXX  XXXX XXXX against my credit. Damaging my credit. I contacted XXXX  XXXX XXXX XXXX Department. Come to find out, the bill from XX/XX/XXXX from XXXX  XXXX XXXX was already paid in full. The paid in full letter is dated XX/XX/XXXX. Elevate Recoveries claim they didn't know the debt was a workmans compensation claim. Which is not an excuse. Because the bill was already paid in full at the time Elevate Recoveries tried collecting for this bill. Yet Elevate Recoveries immediately placed a claim against my credit without first having the correct information.

Company response to consumer: Closed with explanation