BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-13
Company: Square Inc
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
My cash app account was closed with an account balance of {$1400.00} for an unstated terms of service violation. Due to this, I am unable to withdraw my money to my bank account from the app. I have emailed support and was told to simply cash out my account, which I am unable to do because my account is closed. Now whenever I email I am simply met with a canned response telling me my account is closed and that I need to cash out, but the cash out fails every time. In my opinion, this is robbery because theyre preventing me from accessing my own money

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no 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 non-monetary relief
Consumer complaint received 2017-07-20
Company: ENCORE CAPITAL GROUP INC.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XXXX has reported the credit bureau put me in collection for a debt that. I do n't recognize or owe them in the amount of {$2000.00} it 's on XXXX report it has affected my chances to get a house this is fraud must be removed was reported on XXXX 2013 it 's been so long on my credit report even though this is not my account nor have I ever had an account with XXXX please have this remove from my credit report XXXX XXXX XXXX Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-13
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:
In XX/XX/2019 I stopped payment on a {$15000.00} loan, which was through XXXX XXXX and XXXX - the monthly amount, {$400.00}. I did this for two reasons : I was out of work and couldn't pay the loan, and secondly, I had been scammed. Part of the loan was to pay XXXX XXXX and XXXX XXXX, via XXXX XXXX XXXX, XXXX, {$13000.00}. The remaining balance of the loan was to pay for leads to build an income. Nothing came of it. 

I am filing this complaint because I want my credit score restored. Per my discussions with representatives from XXXX XXXX and XXXX, they can do nothing to clarify why I stopped payment. They can only report that I stopped making payments on the loan. They are fully aware of the lawsuits and my requests, via an attorney, to be reimbursed.

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 2022-06-16
Company: EQUIFAX, INC.
State: PA
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:
Hello, my name is XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make these changes. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Its been more than 30 days and the credit reporting agencies are in violation of the law because I am a victim of identity theft!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XXXX XXXX, 2019 at XXXX XXXX I was contacted by a representative from Kohl 's that my account was 58 days past due. I was shocked and immediately paid the entire balance with her. When I asked why I didn't receive a statement in the mail she told me I was signed up for email statements. I was not aware of this. I thought I was to receive paper statements. I then asked her if this incident would be reported to the credit bureaus and she assured me it would not be because I was not 60 days late. The next day I received an email from my credit monitoring service that my delinquency was reported even though I was told by the representative that it would not be reported. I have attempted two times to resolve this with Kohl 's and they refuse to admit their error and remove the delinquency from my credit report. Yes I was delinquent but I did not receive a paper statement. I honestly thought I had paid my bill in full in XXXX. I do not believe I signed up for email statements because I do not read my emails frequently. I have perfect credit and I want this delinquency removed from my credit report. It is unfair that I was told it would not be reported and then it was.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-24
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2019, someone withdrew funds from my account via a XXXX transfer. Sufficient funds were not available, therefore, they transferred funds ( which were not available ) from my daughter 's linked account. Later that day, even after I reported the hack, someone continued to transfer funds back and forth from the account. Before all of this began, a balance of {$350.00} was in my account, USAA refused to refund the hacked amount. Subsequently, I had to open a new account in order to have access to my paycheck on XX/XX/XXXX. USAA blamed me and my daughter for the hacking and refused to refund my account balance. They have since sent my account to collections for funds above my original balance stolen from the account. Thankfully, My daughter 's bank refunded the hacked funds from her account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-23
Company: Comerica
State: MI
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:
My XXXX XXXX that was linked to my business account was hacked causing my account to go into the negative {$2800.00}. Upon notice, I immediately contacted the bank and XXXX XXXX to resolve this issue. Despite numerous transactions occurring back to back, one minute after another, there was no proactive fraud prevention and this bank allowed my account to be severely depleted as well as accumulate over fifteen overdraft fees. It is now approaching day 30 of this investigation and this situation has yet to be resolve which has tremendously affected the day to day operations of my small business. I am aware that investigations could take up to 45 days but XXXX XXXX has already admitted fraud on XX/XX/2020. I have contacted the bank on multiple occasions to receive information on the timeline of this investigation. Each time, my contact information is requested and I am told I will be contacted after further investigation into the situation. I have yet to be contacted and informed of the status of this case or any reason for the delay.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-17
Company: Paypal Holdings, Inc
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX, I purchased a pair of shoes for {$57.00} from a website that appeared to a reputable company. I used PayPal to make this purchase. Approximately one week later, I went to make another purchase using Paypal and my transaction was denied. 

After calling PayPal the first time, they stated there was a permanent limitation on my account but could not tell me why this happened. During this first call, customer support said they were going to put my account into review to see if the limitation could be removed and I should hear something within 5 days through an email. I never received an email. I called a second time two weeks later and spoke to another customer service rep. They told me the same thing, my account was permanently limited and the status had not changed. During this call, I told the representative that I was a victim of fraud and needed to dispute the purchase from XX/XX/XXXX. He told me that he could not help me with my dispute but that I could get legal involved but that would be hard. I ended up finding a legal page on PayPal 's website and filled out a legal dispute form regarding my limitation. I mailed the form to an address in Nebraska and had to send the letter using certified mail. In the letter I stated that I was not sure why my account was being limited and why I could not be told why over the phone. I asked PayPal 's legal dept to call me or email me with an explanation on what was going on. 

One week after mailing the letter, I received an email and it said that after reviewing my account the were not going to change their mind on my account. The response I received is " PayPal reserves the right to limit access to any account reported to be involved in possible fraudulent or high risk behavior ''. 

At this point in time, I still have not been able to dispute the fraudulent charge, which I immediately reported once finding out the website was not legitimate and I can not get anyone to directly communicate with me on this issue. My only resources for correspondence with Paypal has been email and certified mail communication. In addition to being a victim of fraud, Paypal is refusing to assist me with a dispute and is also firing me as a customer. In over 20 years of being a Payal customer, I have never filed a claim for fraudulent activity and I have always been an upstanding, loyal and ethical client. I was a victim and I'm being penalized for something that XXXX 's of consumers face daily.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-20
Company: HCFS Healthcare Financial Services of TeamHealth
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have tried to contact this company at the address provided to get information regarding this debt. This company has not provided me with a proper mailing address. And this company is not license to collect in the state of Texas. I 've checked with the Secretary of State of Texas and they have no company with this name as a legit company here. So I ask that with the information I am providing that you demand this company to remove their derogatory and false debt from all of my credit reports. XXXX, XXXX XXXX, and XXXX immediately. this company is a fake.

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 2022-02-21
Company: Experian Information Solutions Inc.
State: GA
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:
I checked my credit report and I noticed so violations that were on my credit report I then proceeded to reach out to the credit reporting agencies that were reporting the inaccurate information but they did not correct and delete the information.

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 2022-06-16
Company: CBC Companies, 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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX Address XXXX XXXX XXXX XXXX, GA XXXX Record details On record until XX/XX/XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX. This inquiry is scheduled to continue on record until XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21
Company: Experian Information Solutions Inc.
State: MI
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:
According the Fair Credit Reporting act XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2020-01-13
Company: FIRST MIDWEST BANCORP, INC.
State: IA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
i opened a checking account with first midwest bank ( firstmidwest.com ) in XXXX in response to a offer to receive a {$250.00} bonus after completing certain activities. I completed all activities on XX/XX/2019 and on XX/XX/XXXX I sent a message to them asking why I had not received my bonus. Here is the message I received in response. 
" XXXX, It looks like your account did not meet all the required criteria for the {$250.00} promotion. You did not have a positive balance. The balance of the account at the time of payout was a {$0.00} balance. '' I then sent them a message saying that it is correct that my account had a {$0.00} balance at one time, it was not my fault - it was due to a bank problem. The monthly service fee terms on their website say no fee if you are XXXX or older, I am XXXX. My account had a balance of about {$2.00} and they deducted a fee bringing it to {$0.00}. I called them and they coded my account correctly and refunded the fee. but still have no {$250.00} new account bonus.

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 2020-04-21
Company: PROSPERITY BANCSHARES, INC.
State: TX
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
XXXX XXXX XXXX Reported me late to the credit Bureau and has violated their Forbearance agreement due to COVID 19. I applied for a forbearance due to job loss. I was told not to pay. I advised the bank that I will pay this loan off with funds from a 401k plan. That I just needed time to pay this off, They approved my forbearance and waived late fees. I have disputed this with all 3 credit bureaus. 

On XX/XX/XXXX I requested a forbearance via telephone. I was advised by the representative that If I don't hear back from her in 48 hours the forbearance would be approved. On XX/XX/XXXX I sent an email to follow up in regards to the forbearance. On XX/XX/XXXX I received a letter dated XX/XX/XXXX from XXXX XXXX stating I was granted an extension and that my next payment would be due XXXX. On XX/XX/XXXX I received funds from my 401 K plan and paid off the loan in the amount of XXXX. I was advised by XXXX XXXX XXXX in the collection dept. That they would consider correcting the late score due to these unprecedented times. The loan # XXXX with XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-28
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: AZ
Product: Debt collection
Sub-product: Auto
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
3rd party debt collections company Portfolio Recovery Associates claim I owe debt that has aged off 15 years ago and are calling me while at work. I told them not to call me, and have added my cellphone number to the do not call registry.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-21
Company: EQUIFAX, INC.
State: GA
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:
I checked my credit report and I noticed numerous violations and inaccurate information on my credit report I then proceeded to contact the credit reporting agencies to notify them of the violations but they did not fix the problems.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-13
Company: U.S. BANCORP
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I have a card that was opened in approximately XXXX of XXXX. The card had a substantial number of points on it and I received an email stating that the points existed in mid XXXX. Nowhere in the email did it state that the points would be taken away, but instead it states that the points don't expire for 3 years. The email ( even the fine print ) is very clear. Shortly after this email I went to the XXXX XXXX Store ( where the card was initially applied for ) to use the points to buy an new helmet and was sent on long goose chase and run-around. 

I was finally notified that the card was closed in XXXX prior to my even receiving the email stating that the points existed for use. When asked why I was not notified they stated that they sent a single letter in the mail, which was never received. When asked when the letter was sent, it strangely was sent also after they state that the card was already canceled. 

The rewards balance mentioned in the email I received on XX/XX/XXXX is {$370.00}.

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 2017-07-20
Company: MIDCOUNTRY FINANCIAL CORP
State: IN
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
I lost my job but I bought the insurance to pay for my payment in case that would happen. I talked to someone when they called and they said they could n't do anything about it. Also when I refinance my loan, they did n't take the principal amount to calculate the new amount but the whole loan ( with all the interest calculated in ) making the payment that much higher. Also it is confusing because on their webpage there is only the " full amount '' loan amount plus all interest. I feel that that is not right and some shady loan practices are afoot.

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 2020-01-25
Company: CITIBANK, N.A.
State: NY
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:
These are charges that were fraudulent and citibank investigators concluded that I'm responsible for the charges. 
I notified Citi in XXXX and clearly stated that I did not make those charges in XXXX Georgia and purchase New York. 

XX/XX/2019 XXXXXXXX XXXX XXXX XXXX NY {$10.00} XX/XX/2019 XXXX XXXX XXXX XXXX XXXX  XXXX NY {$43.00} XX/XX/2019 XXXX   XXXX  XXXX GA {$66.00} XX/XX/2019 XXXX XXXX XXXX XXXX GA {$640.00} XX/XX/2019 XXXX # XXXX XXXX GA {$750.00} End of activity Total activity Statement closed XX/XX/2019 {$1500.00} {$1500.00}

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 2020-01-25
Company: Aargon Agency, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I provided XXXX insurance at time of service on both accounts. After receiving multiple voicemails and letters I found out the facility never billed XXXX and disputed the charges with the collection agency. They failed to show my dispute with the credit bureau or to bill insurance now

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