BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-01-31
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: CA
Product: Payday loan
Issue: Payment to acct not credited

Complaint:
Applied for a loan, but did n't receive money and lender took money out of my account for a loan they did not fund. 
On XX/XX/2017 I submitted and was approved for an online direct deposit loan for the amount of {$250.00} to be deposited into my personal checking account XXXX XXXX XXXX union. On XX/XX/2017 I called in Cash Central customer service to verify the day the funds would be deposited. I was advised by a representative the loan would deposit on XX/XX/2017. On XX/XX/2017 I checked my account and no monies were deposited by Cash central. I immediately called Cash central and spoke to XXXX separate representative first a man and then a lady and advised him since the money was not sent by cash Central then I request to Rescind my loan. ( Being within the right to rescission time frame ). I was advised they would send an email to their manager and have the loan cancelled. On XX/XX/2017 Cash central withdrew {$250.00} from my bank account causing it to overdraft. I again called Cash central spoke to a rep. and I let her know Cash Central never deposited or funded the loan and that by them pulling the money out of my account was an error. The rep advised that Cash central did send the money to the account and for me to check with my bank. I called my bank and the rep advised there is no record of any deposit from Cash central. I also check my bank statement online and there is no deposit from Cash Central of {$250.00}. I need assistance recouping the {$250.00} Cash central removed from my account and any fees incurred from my bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-09
Company: Convergent Resources, Inc.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have been going back and forth for a few years with this collection agency who has been unable to validate the cause for said charges being collected on behalf of XXXX. I have disputed the collection with the credit bureaus more than XXXX with them being deleted due to no verification. I have made it very clear that the charges are not a valid amount and based on the current FTC cramming case, there is obvious proof that the collection balance is invalid. I have been validated as a customer involved in excessive cramming charged being added to my bill on multiple XXXX accounts. At this point, I would like COI to figure this XXXX out with their client.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-30
Company: Experian Information Solutions Inc.
State: TN
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:
As of 2016, I have been trying to clean up my credit report and there is still have been fraud information and lots of inquiries. I have had a hard time trying to connect with experian. It does not let you speak to person like the other creditors do but it is hard to l let them know that the information needs to be taken off so that my score can be corrected. I have also sent a police report to let them know that whoever it is has stolen my identity and I have a fraud alert on my account. So why are these inquiries still on my credit report? I have called the experian phone number but like I said it will not let you speak to a live person to discuss these issues. The phone number to which they gave me was XXXX. It does not work and I can not talk to alive person.

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 2015-08-07
Company: Credit Systems International, Inc.
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
TO WHOM IT MAY CONCERN-THIS ACCOUNTIS REPORTING AS OPEN AND PAST DUE THAT WAS INCLUDED IN MY CHAPTER XXXX CASE # XXXX. I HAVE MADE MANY ATTEMPTS TO THE COLLECTIONS AGENCIES TO CORRECT THIS INFORMATION WITH NO SUCCESS. THESE ACCOUNTS HAVE ALSO BEEN SOLD TO NEW COLLECTION AGENCIES THAT ARE REPORTING THESE ACCOUNTS AS NEW ACCOUNTS, WHICH I UNDERSTAND TO BE ILLEGAL PRACTICES AND HINDERING BY ABILITY IN REHABILITATING MY CREDIT AND MY PROTECTION UNDER THE CHAPTER XXXX BANKRUPTCY LAWS. 
ATTACHED YOU WILL FIND A COPY OF MY CREDIT REPORT AND CHAPETER XXXX PAY SCHEDULE OF CREDITORS

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
These Hard inquiries was not authorized according to consumer law 15 U.S. Code 1681 - Congressional findings and statement of purpose U.S. Code ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter These Hard inquiries listed below were unauthorized : ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-06-01
Company: Sequium Asset Solutions, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Dated on XX/XX/2022, I, XXXX XXXX, Consumer, have a question for Sequium Asset Solutions, the rights to violate my rights to privacy, and how you get my personal identifying information?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-18
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
SLS Loan XXXX XXXX leinXXXX XXXX Loan XXXX XXXX leinXXXX XXXX XXXX XXXX XXXX CA XXXXWhile in escrow during an approved short sale we discovered issues with title which brought to light a XXXX. We immediately started negotiating with, all of this was being discussed with SLS, via phone calls and paperwork faxed! Out of the blue SLS decided to deny the short sale and foreclose my house while in escrow!!!!! I have a foreclosure set for tomorrow - my question here is how is that possible that a lender can deny a short sale while in escrow!! How can they do tat when they had approved the short sale while in communication with us - NEVER once mentioning that they would recinde their approval. When called they told us that they needed 37 days to review a new file and that now there is simply no time as they are too busy with other files - 37 days???? How can they review a file that has already been approved and all parties amounts are the same?? We have to live with a foreclosure on our back because SLS is too busy for us when we are trying to do the right thing???

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Unexpected or other fees

Complaint:
I am reaching out regarding all my hard inquires and trying to see if there was a possible way those can 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 2022-05-20
Company: Block, Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
My roommate sent me 500 for rent through cash app. When I logged in to cash out I noticed the money was stolen from me in increments. Cash app stopped the smaller transactions but the largest one for {$300.00}, from the same exact person, they claimed was not fraudulent. I tried several times calling cash app and they refer you to the app. I tried several times getting my money back in the app and no one helps me. Ive had an " investigation '' deemed not fraudulent and spoke with 2 managers via email, they refuse to call, that stated once they investigate there's nothing they can do but I can feel free to sue. I can't find a lawyer for this kind of thing. Since then they've deleted my account because I kept asking for a manager to call me. I filed a police report and was referred to the FBI. I filed 3 complaints with the FBI but they don't respond. I need my money back and no one cares.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-16
Company: JPMORGAN CHASE & CO.
State: IL
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I was recently charge {$75.00} fee on my checking account at Chase, because of a questionable tax debt owned to the State of Indiana by a debt collection agency

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-18
Company: WAKEFIELD & ASSOCIATES, INC.
State: GA
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
XXXX XXXX XXXX has a debt system that is not tied to patients social security number. I have a debt payment agreement with them making payments on my balances for XXXX different hospital visits. At their direction I was paying on oldest ones first. Since the accounts are not linked to my social they determined that I was not making payments and sent them to collections. They have damaged me even though I was making good faith 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 2016-02-20
Company: Monterey Financial Services LLC
State: MO
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I purchased a dog through XXXX pet store XX/XX/2015. They financed it through Monterey Finance, I was never given the disclosures for the finance charge. The purchase price of the dog was XXXX I have paid a total of XXXX on the dog. The purchase should be paid in full however I have never received a monthly statement showing my balance and finance charges. I finally was able to speak with someone after numerous attempts they stated I still owe a balance of XXXX. It 's more than frustrating that I have paid my payments monthly on time and without and communication from this phantom company. When you try to call them they put you on hold long amounts of time followed by being disconnected. I reached out to pet store where I purchased the dog they stated they could not give me any information.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09
Company: Resurgent Capital Services L.P.
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I checked my credit and saw an account from LVNV for XXXX for {$58.00}. I never received notice to dispute this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-20
Company: iFreedom Direct Corporation
State: AL
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I originally purchase my home with a VA loan on XXXX XXXX, XXXX. At that time, my home was not in a Special Food Hazard Area ( SFHA ) as defined by the Federal Emergency Management Agency ( FEMA ). My mortgage company did not require me to purchase flood insurance. 

On XXXX/XXXX/XXXX I submitted a loan application to iFreedom Direct Corporation to refinance my home. 

The Loan Estimate that I received was dated XXXX/XXXX/XXXX and makes no mention of flood insurance. The final Closing Disclosure was dated XXXX/XXXX/XXXX and makes no mention of flood insurance. They had a copy of my home owners insurance at that time and used my premium amount to determine the initial escrow amount. They knew well ahead of time that I did not have flood insurance. 

On XXXX/XXXX/XXXX I closed on the loan. At that time I was given a Notice of Special Flood Hazards and Availability of Federal Disaster Relief Assistance ( " the notice '' ). This notice was just simply mixed in with all of the rest of my closing documents. 
Lenders are required to use the Standard Flood Hazard Determination Form ( SFHDF ) to determine the correct Flood Zone. 

First of all they determined an incorrect Flood Zone rating for my home. No portion of my home is located in a Special Flood Hazard Area ( SFHA ). Thus the provisions of the Flood Disaster Act of XXXX do not apply. I 've attached XXXX flood determinations to support this. 

The notice that I received contains the following statement : " Federal law allows a lender and borrower jointly to request the Administrator of FEMA to review the determination of whether the property securing the loan is located in a special flood hazard area. If you would like to make such a request, please contact us for further information. '' They would not however respond to any of my requests for assistance with this. 
The servicing of my loan was transferred to XXXX and now they are requiring me to purchase flood insurance.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-12
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I opened an HSA account with my employer beginning in XX/XX/XXXX through HSA Bank ( a division of Webster Bank ). It was free as long as I kept my insurance plan with my employer. I ended up leaving my employer XX/XX/XXXX. However, I kept my insurance plan through COBRA. I believe the computer realized I left the company and began charging me a {$5.00} monthly fee. I was charged for three consecutive months. But then, it appears, HSA Bank received notification I was still on the company 's insurance plan. So, the fees stopped. The XXXX {$5.00} fees were charged in error. I have called HSA Bank three times to get the fees reversed. At first, I was promised they would be taken care of. On the third call, I was told they were charged by a third-party called XXXX, and that I would have to contact them. I also called them. They said they would resolve my fee complaint, but it was never handled. I then reached out to HSA Bank again via email and they still did not correct the fee error. It has now been more than 15 days with four phone calls and two emails with no resolution over {$16.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-20
Company: Chime Financial Inc
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
So on XX/XX/2022 i was in the process of transferring XXXX payments of the amount of $ XXXX from my XXXX onto my chime online banking account to pay my bills online. But somehow while the first transfer of {$510.00} was in the process of depositing. I also did another transfer for the anount of {$500.00}. XXXX stated that it was going to take up to 3 business days for the payment to be posted. So i waited to make sure its posted so i can pay my bills. Then when i check on XX/XX/XXXX, there was a charge of {$500.00} being done at XXXX on the XXXX and a charge of {$500.00} being charge at another XXXX without me knowing until its too late. I thought that my small wallet and phone was stolen when i went shopping with some friends and i told the rep i called for a dispute of the two transactions. Later on Ive located my belongings as it actually fell in the crease of the car seats. I did noticed that my phone had a lot of weird scam calls and texts from weird numbers. I later realized that my phone have been hacked somehow and my cards was skimmed. There was a time i remember there was a lady who asked to see if i can give her my phone to make a phone call as she didnt have her phone. I gave it to the lady without thinking much of it because its just a phonecall. At that time i just had my chime card and i had it in my wallet with some of my other cards. My credit card had been used as of fraud as well and im still ongoing investigation with them to get my money back because i just paid off my balance. I do not find any reason to use soo much money at a XXXX when i can just shop somewhere else. I do not have any evidence that will back up my dispute but my dispute had been denied 3-4 times as they see no error occurred when clearly there is. I had to do a fraud alert and freeze my credit just in case any suspicious activity happened again. Please help me onto getting back my money. This is my hard work of 2 weeks pay. I also did contact XXXX and they couldnt even help me onto getting my refund. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-02
Company: Goldstein, Cruise and Smith LLC
State: NV
Product: Debt collection
Sub-product: Payday loan
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
This guy named XXXX XXXX his phone number is XXXX said he was calling on behalf of XXXX, but when we called them they knew nothing of me or them. they told me to contact the ftc. This man said he would have me served with a warrant and taken to jail if i did not pay him. I had never heard of this company or this guy, yet he said there was a court case against me and said if i did not pay him that he would take me to jail from work. We contacted our lawyer and he said a lot of clients had been getting calls like this and to report it as fraud. 
This person threatened my wife, my mom and my brother. 
These people somehow have my job information, my address and my family member names, and they will not send me any information whatsoever on who they are or who they represent. I ask for information and they yell at me and tell me that unless I pay them they will take me to jail. I said that I do not know of them and want proof they are not a scam, then they get louder and more threatening and hang up on me. 
This company that they say i owe money to never heard of me or them. they told me to report this. I hope that these hateful people are prosecuted. Very awful that they call you and make you feel like a criminal and yet they are the criminals.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed
Consumer complaint received 2016-07-22
Company: Home Headquarters Inc
State: NY
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Home Headquarter the lender engaged a XXXX and XXXX to collect the debt. During the negotiation process the law firm began a suit. I with a pro bono attorney 's advice answered the law suit in a timely fashion. The lawyer 's office was aware that I had answered yet never requested judicial intervention and instead filed a default judgement against me thereby denying me due process.

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 2020-07-11
Company: WorldRemit Corp.
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/XXXX, I sent a remittance of {$300.00} to my fiances uncle in the XXXX to forward to my fiance, who is currently working in XXXX. My fiances name is XXXX XXXX, and the uncles name is XXXX XXXX XXXX XXXX. On my receipt from World Remit, it states that the funds wouldnt be available until XX/XX/XXXX. When I inquired about this to World, I was told that it was sent and received by XXXX XXXX  on the XXXX. The amount was sent to his bank account at XXXX. This money was sent to help pay my fiances rent was actually due on the XXXX, but i had to send another XXXX because her landlord required it and the balance on the XXXX. I talked to World on the night of the XXXX upon getting off work. They instructed me that I needed to get a bank statement from his account showing that it was never received, and both of us have a copy of that statement. World also requested a proof of deposit from XXXX while I was still on the phone. XXXX since has sent that to them. I keep getting the run around from these 2 companies. World says it sent, and XXXX says it's deposited, however it has never showed up in his account.

Company response to consumer: Closed with explanation