BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-11
Company: Block, Inc.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
cash app allowed someoneto change my email and phone number then stating they cant idebtify me because of this reason. i had an XXXX stolen and this is what started it all. theybrefuse to help me recover my own money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
Company: CL Holdings LLC
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
To my surprised I discovered that the original creditor has and now sent to the Collection agency has violated both the FCRA and Fair Debt Collection Acts. Originally, XXXX from a previous CFPB acknowledge that this was deleted from my XXXX credit. However, since then they have not only re instated this fraudulent activity. They also, sold this Account to Jefferson Capital , LLC. Jefferson Capital has without prior notice reported an amount of {$320.00} to my XXXX and XXXX credit report fraudulent as well. I would like to notice the XXXX has act contradictory to the laws. They have harassed me and tried to bully me into providing personal information about myself. It is clear that they are acting in desperation. They can not obtain information to synch me to their claims and they have no written authorization from me that says this is my account. When I refused they became excessive and fraudulent. And they have re enter a deleted non reporting on XXXX. Previous CFPB # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
Company: Muskegon Car Credit, Inc.
State: MI
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
They didnt put in my contract that I had the right to rescind my contract I sent them a rescind back in XXXX of XXXX they made me put a down payment down I got the vehicle in XX/XX/XXXXXXXX XXXX XXXX  they charging me to much for a used vehicle XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
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 have had three cards from capital one a Walmart rewards card with a {$1300.00} limit, a capital one venture card with a {$7000.00} limit, and even my Kohls card because capital one merged with them with a {$5000.00} limit all closed or restricted without warning or explanation. The letter I received said because they observed activity on my account that is not consistent with their expectations of usage for personal family or household purposes. Please stop using this account immediately and destroy all cards and checks associated with it. And at the bottom, it says equal credit, opportunity act. that was for my Kohls card the letters for my Walmart rewards and my venture just literally stated equal credit opportunity act thats it. oh not to mention, Ive never missed a payment. I had to returned payments because I paid them early.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
Company: SANTANDER HOLDINGS USA, 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:
THERE HAVE BEEN SEVERAL CONSUMER REPORTING AGENCIES THAT HAVE STOLEN MY IDENTITY. Under the federally protected consumer act, this is illegal and needs to be stopped immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
My vehicle was voluntarily repossessed through the SCRA ACT and after everything appeared finalized, I feel cheated via the waiver. The outstanding balance is still showing on my credit despite its repossession. When I saw the form that I signed with the SCRA ACT WAIVER on it, I feel cheated because I do not feel like I got a fair shake on the deal to begin with. The interest rate was the biggest problem for me especially in the stubborn negotiation process. How could they offer a waiver to a law that was not presented or offered in the beginning. Personally, I feel like I was swindled and stuck with the bill after reading the SCRA ACT WAIVER that was labeled on the release form in bold. The release form HIGHLIGHTED benefits that appears to have been available at the jump. These benefits included PROTECTIONS for me at the time of my purchase. I am looking for a remedy to the situation because of the stubborn negotiation around the interest rate, the failure to provide the protections after me telling them I was a service member at the time of purchase, and for swindling a waiver out of me of protections Guaranteed to me at the time by law and leaving me with the bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
Company: Chime Financial Inc
State: OH
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 XXXX I XXXX  chime to see why in my chime app it had said card delivered but when I checked my mail i never received it so that is when I dialed XXXX the number on XXXX with the chime logo XXXX etc, ,THEman answered & said hello this is XXXX how can I help u, I then informed him that my card said it arrived but I never received it so he then stated I would need to do a secure verification where I send the funds to the secure account & then the fund would go automatically to my temporary card that they send u virtuall.I was under the impression I was talking with a chime representative, I have direct deposit thru chime for my paycheck this is my 4 year with them this is absurd.I disputed it 4 times to get the same run around & the last time I asked to speak with a manager or supervisor he got on the line & stated no customers never receive the money back like I thought that was very unprofessional I would never to business with chime after this nor will I recommend then to any one

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
Company: Google Compare Credit Cards Inc.
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I was scammed by someone ( XXXX ) thru Google Pay for {$50.00}. I report to Google Pay. Google Pay didn't help and told me that after reviewing my claim, Google Pay was unable to confirm fraudulent activity in this case, so no refund will be provided by Google at this time. 

Google Pay transaction ID : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On XX/XX/2023 I received an ACH deposit from taxes. Account access was immediately blocked and put into closure account has still not been completely closed almost 30 days later, not my Checking or Savings account! I want to end all relations with this banking constitution and receive my funds in full! I have contacted the XXXX  and filed complaints. This is causing me financial hardships and unnecessary havoc in my life. The funds are mine, in my name, into my account ; from a legit constitution, I do not understand why I am still being blocked from access to all of my funds!

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 2023-08-14
Company: ARS National Services, 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:
This complaint is filed against ARS National Services for unlawfully obtaining my XXXX consumer report on XX/XX/2022 without my authorization or a permissible purpose under the FCRA. Im aware the FCRA allows consumer reports to be obtained but only per 15 USC 1681b. 
I have not initiated any transaction with ARS National Services. Furthermore, I do not have an account as defined under 15 USC 1693a ( 2 ) with ARS National Services, for review or collection.

I sent ARS National Services a certified letter via USPS with tracking XXXX XXXX XXXX XXXX XXXX, which they in fact did receive. I have enclosed a copy of the signed PS Form 3811.

Im demanding this company provide documentation supporting their permissible purpose for obtaining my XXXX consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-13
Company: AMERICAN EXPRESS COMPANY
State: FL
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:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-13
Company: Foris DAX, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Commencing on or around XXXX XXXX, I fell victim to a multi-layered scam operation run by XXXX which involved me making deposits for a total amount of XXXX USD from my Crypto.com account to fraudulent investment firm ( s ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
Company: Rent Recovery Solutions
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
XXXX XXXX renewed our lease. We gave them a 30 days notice and they let us know that since we only gave them a 30 day notice we wouldnt have to pay the upcoming rent due but we would just have to pay a fee that we would end up getting in the mail since it wasnt a 60 day notice. We ended up not getting anything in the mail but this collection notice. We left because of the mold in the apartment due to leaks from the ceiling. Maintenance workers never came for the issue. We also left because they would turn off the apartment complexes water for XXXX or more days which kept continuously happening. My partner has taken action by calling the complex. We were told to contact someone in the next few days because the person there didnt know how to solve this financial issue but the people coming in the next few days would know.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I WAS IN TOUCH WITH A LADY HER NAME IS XXXX XXXX WHO IS LIVING IN XXXX ON A DATING SITE AND WE GOT INTO AGREEMENT TAHT WE ARE GOING TO GET ENGAGED IN XXXX. I BOOKED A FLIGHT TO HER ON XXXX XXXX ON XX/XX/2023 AND IT COSTS XXXX EUROS BY THEN SHE STARTED THAT SHE DOES NOT HAVE ENOUGH POCKET MONEY AND I SENT HER THROUGH MONEY GRAM XXXX EUROS THEN SHE SIAD THAT SHE MISSED HER FLIGHT AND HAS TO STAY TO NEXT DAY XX/XX/XXXX THEN SHE SAID THAT SHE NEEDS TRAVEL INSURANCE COSTS XXXX EUROS AND I SENT IT THROUGH MONEY GRAM AND XXXX XXXX THEN SHE SAID SHE NEEDS A REPLACEMENT TICKET FOR FLIGHT AND I SENT TWO TRANSACTIONS OF XXXX & XXXX EUROS. 
I DISCOVERED THAT IT WAS A SCAM. 
I CONTACTED MONEY GRAM XXXX XXXX XXXX BOTH SAID THAT THE PERSON IS REAL AND SHE SHOWED HER ID AND SIGNED A FORM CALLED RECEIVE FORM AND THEY ARE NOT ABLE TO REFUND ANY MONEY BACK TO ME. 
EVEN MY CREDIT CARD COMPANY VISA AND MASTER CARD DENIED MY REQUEST FOR ANY REFUNDS

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
Company: DISCOVER BANK
State: AP
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
This is in reference to complain ID XXXX which has been closed without customer satisfaction. Discover credit card stated they would re-open/re-instate my account after I paid personal fund to find a notary while XXXX. I traveled back to Hawaii from XXXX to find a notary to meet Discovers demand for identity verification, after the IRS had already confirmed my identity. This trip costs over a XXXX dollars for me to fly back and find a notary for Discover. I paid a notary to notarize the requested identity verification forms, showing my passport, drivers license, and military ID. Discover verified that they received the form but stated they kept my account closed due to their failure to contact the notary. Their failure is not my fault, yet I am being punished for their failure to contact a civilian notary in the XXXX. The day after notarizing their document and completing their requirement, I returned to XXXX. No one contacted me after that. I remain XXXX at this time and still unable to utilize my Discover card that I am currently paying on time every month. This is a violation of the Servicemembers Civil Relief Act ( SCRA ) as military members do not have access to certain services such as notary services and/or using a phone when XXXX. I was told by Discover that I needed to just find a phone while XXXX. Thats not how it works on XXXX on ship or shore overseas.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
Company: Lennar Financial Services, LLC
State: NV
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Lennar Mortgage has been very remiss in qualifying me for a the mortgage to purchase a home from their builder, Lennar Builder. The underwriter has had my bank statements, and other documents since XX/XX/2023. They refused to accept a copy of the Settlement Statement showing the transaction from the sale of my uncle 's property since his death, which traces the funds to my checking account, as well as a Court document which appointed me the Executor of his estate. They have requested more information, but failed to be spacific as to their request to my lawyer. 
They lied to me in regards to accepting a crypto funds transfer. I was told that the underwriter said they the V A does not accept transactions from XXXX  accounts. This was a blatant LIE! In the XXXX XXXX XXXX hand book page XXXX, XXXX it clearly states in the other types of income, that a XXXX transaction to cash is acceptable. 
XXXX XXXX believe there is a discrimination issue underfoot, and I hope you can get to the bottom of this nefarious activity

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 2023-08-15
Company: Paypal Holdings, Inc
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
Venmo has locked my account and I can't get the money out and into my bank account. I always have a problem with them and their team. They are terrible. Scammers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-15
Company: Commonwealth Financial Systems, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
This company has attempted to collect a debt not owed. I have tried to contact this company multiple times to fix this issue without success.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXXXXXX XXXX XXXXXX/XX/XXXXXXXX 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 XXXXXX/XX/XXXX, these are the unauthorized and unverified inquiries made on my credit profile under experian these are a defamation to my character i am trying to buy a house. Accrording to the fcra these unverified and unauthorized items must be removed as soon as possible. transunion unauthorized and unverified inquiries are twr ln-sys XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX, these are a defamation to my character as well and must be removed as they are unauthorized and unverified per the ncra. Law 15 usc 1681 ; 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. 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-15
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Venmo froze my account on XX/XX/2023. The email I got said a card was flagged that I just ordered the night before for my daughter. Which wasnt even processed yet. I finally get a hold of someone and they made me upload MY ID. They said it would take XXXX days to get it unfrozen. Well I have got no email like they promised. Its been 11 days now. I call today and the lady is now expanding the days. They still cant explain why they froze it in the first place. I am starting to feel they do this to steal the money. Either they take it and cant pay it back. Or make it so hard to get your account unfrozen that they just keep your money. I dont see why it takes XXXX  days to unfreeze an account and give an explanation on why they even did it in the first place.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-15
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: LA
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 XXXX Balance : {$610.00} Account Opened : XX/XX/XXXX XXXX  XXXX XXXX Balance : {$630.00} Account Opened : XX/XX/XXXX XXXX XXXX Balance : {$1100.00} Account Opened : XX/XX/XXXX XXXX XXXX Balance : {$560.00} XX/XX/XXXX I called each bank and informed them that they accounts were not mine, but no action was taken. I am still being called about collections and late payments. This has been going on since XXXX and I am just now rectifying the situation. Don't be like me and think identity theft couldn't happen to you because it can.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-16
Company: CITIZENS FINANCIAL GROUP, INC.
State: NJ
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Confusing or missing disclosures

Complaint:
I receive solicitation to open up a Heloc at least once a month from Citizens Bank for over 2 years. This letter contains a code to open up the account. 

I have called, written and begged Citizens Bank to stop soliciting mail offers to me, in other words, take me off the do not solicit list. Whoever I speak to promises that I have been put on the list not to solicit, but I still keep on getting the solicitation letters for Heloc. 

My last request was to XXXX at the XXXX XXXX XXXX XXXX in XXXX, 2023. 

I feel that my request to take me off the solicit list is totally being ignored, which from what I understand, is against the law. My request should be granted. 

I am hoping you can get Citizens Bank to stop soliciting to me and they follow through.

Company response to consumer: Closed with explanation