BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-08
Company: Block, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On or about XX/XX/2023, while completing tax filing, I went through my CashApp monthly statements, finding 364 fraudulent and unauthorized transactions totaling around {$1700.00}. I submitted transaction disputes via phone, email, and CashApp mobile app. After 8 weeks only {$210.00} has been refunded. The refused to refund around 300 transactions that disputed. They were from a compilation of about 20 different merchants. A handful of the merchants were charging small transactions from $ XXXX {$3.00} hundreds of times in a single day. Others would charge random amounts from $ XXXX {$450.00}. When I looked up these merchants doing the fraudulent charges on my CashApp debit card I found bogus web companies with vague business descriptions ; no shopping cart mechanism to support the fact that the were ever selling a product or service in the amounts I was charged ; or selling anything at all. They were front companies for scam operations. 


The scary part about this is that I saw card transaction attempts from some of the same merchants on my replacement debit card [ even ] before I activated it. I questioned CashApp how anyone would have access to my new XXXX debit card number before it was activated. They did not reply, shut off the replacement card, and sent me a second replacement card in XXXX. 


I've been heavily and aggressively since XXXX. They've been giving me the runaround, sending copy/paste email templates with out-of-context email responses, requests for information they'd already been provided back in XXXX, and lied to me over the phone saying the fraudulent transactions were being investigation ( later to find out via mobile app/email support agent that they'd not been submitted for review ) ; and at XXXX point CashApp went insofar to deny me a refund for these transactions, saying they were authorized, despite the card payments being made with a debit PIN without the card holder present. 


In XXXX I filed complaints with the XXXX XXXX XXXX, Consumer Financial Protection Bureau, and the California Attorney General ( Consumer Fraud Unit ). Also, a friend whose a private investigator gave me email contacts to the executive managers at CashApp 's parent company Block , Inc. and XXXX in XXXX XXXX, California. I'm a resident of California, also. 


CFPB told me to file an additional complaint with your office. No one at CashApp or XXXX have responded. I have a paper trail of email communication and transaction history to support this claim. I fear that other CashApp users are experiencing this same problem. Additionally, I believe that CashApp staff has something to do with this scam. This is too ubiquitous and I did not give out my debit card number to dodgy websites ; or loss my debit card, or have it stolen. 


Your assistance on this extraordinary matter is appreciated. 


Thanks and regards, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08
Company: AmWest Funding Corp.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have some temporary financial issue, so my mortgage is behind 8 months. 
I tried to talk with my mortgage company, and ask them to give me an option to solve. 
My porperty has enough equity and so they ( mortgage company ) can give the many options but is not easy to talk with on the phone. 
They promise me to find someone and call me back but to failed. 
I tried to another organization in XXXX XXXX through HUD. 
Nobody answer on the phone, leave the message, never call me back. 
the lists are as follows, 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 Only 1 organization received the phone when I callXXXXThe name is XXXX XXXX XXXX 
She gave me 2 counselor phone number to make an appointment.

I call them and leave message but never call me back.

For the last 2 weeks, I couldn't have got the chance to consult with my emergency situation with anybody. 
My mortgage company also seems not try to help me. 
I asked them to separate property tax from mortgage to down the price of payment. 
I want to control the property tax by myself but no answer. 

I am so sad almost dying for a fear of losing property. 
I really want to protect and keep my property until I die. 
Please help me!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08
Company: WELLS FARGO & COMPANY
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I have talked to Wells Fargo Representative XXXX XX/XX/XXXX and now XX/XX/XXXX for so many times to dispute some transaction that I have no knowledge about and still existing on my account. They keep double charging my payment on account. And still not receiving the right amount back to my account. I have been complaining several times. Its been like a weeks now since they never communicate with me.

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 2022-11-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to delete the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : 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 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 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 2023-05-08
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I paid my XXXX credit card balance {$250.00} in full XX/XX/XXXX  which was prior to the statement due date. Then on XX/XX/XXXX finance charges and even a late fee were added to my account to which I owed nothing! Then again in XXXX and XXXX, XXXX and XXXX late fees and finance charges were added. I was out of state and was unaware they were charging me. So, when I got a notice that my credit report was showing this over 90 days delinquent I contacted them and alerted them that this information was not correct! The XXXX I talked to said she could see the mistake and would remove the bogus charges. I called XXXX other times and again was reassured this would be taken care of and taken off my credit report. The charges were eventually removed but instead of taking this off my credit report they put a note on it that my account was now in good standing! Which is was all the time! So, now it looks like I finally paid my bill which is not the truth. Please help me!!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
Hello. I sent out the dispute letters to all XXXX major bureaus on XX/XX/XXXX. They have incorrect info and have shared my information without my written consent. The following accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 15 U.S.C 1681 section 602 a. I have the right to privacy 15 U.S.C 1681 section 604 a. section 2 states consumer reporting agency can not furnish an account w/o my written consent/instructions.

( I have given no such consent/instructions ) 15 U.S.C 1681c. ( a ) ( 5 ) no consumer reporting agency can make any consumer report containing any of the following items of information : Any other adverse item of information, other than records of convictions of crimes which antedates the report by 7 years 15 U.S.C 1681s-2 ( A ) ( 1 ) also Account Name : XXXX XXXX Account Number : XXXX Account Type : Credit card Date Opened : [ TransUnion says XXXX XX/XX/XXXX ] [ XXXX says : XX/XX/XXXX ] Date last active : [ TransUnion says XXXX XX/XX/XXXX ] [ XXXX says : XX/XX/XXXX ] Balance : {$200.00} Status : Closed I believe this information is inaccurate because the dates ect., each bureau is showing are ifferent. 



Account Name : XXXX XXXX XXXX Account Number : XXXX Account Type : Credit card Date Opened : XX/XX/XXXX Date last active : [ TransUnion says : XX/XX/XXXX ] [ XXXX says : XX/XX/XXXX ] Balance : {$890.00} Status : Closed I believe this information is inaccurate because the dates etc., each bureau is showing are different. 

I have attached copies of the following documents to support my dispute : A copy of highlighted errors/differences A copy of my ID and social security card Account Name : XXXX XXXX XXXX Account Number : XXXX Account Type : Credit card Date Opened : [ TransUnion says XXXX XX/XX/XXXX ] [ XXXX says : XX/XX/XXXX ] Date last active : Balance : {$530.00} Status : Closed I believe this information is inaccurate because the dates, etc. each bureau is showing are different. According to the consumer protection law, consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete, or unverifiable information must be corrected or removed. I have requested the following documents regarding these ACCOUNTS : *Pay off disclosure * Interest rate disclosure *Balance history *Payment history *Credit insurance

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 2023-05-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/2023, I was trying to withdraw {$1000.00} from my checking account ending XXXX. The bank fraud alert came in via text message on my cell phone ending # XXXX. And the cash was not disbursed due to " Security alert ''. I was told on that Text to type YES OR NO if I am the one who is trying to withdraw this cash. I then typed YES and was told to try again. 

I then tried again and disbursed {$800.00}. Bank of America took credit for both transactions for {$1000.00} & then {$800.00}. I filed a claim at the Bank of America, and they denied me not to give me credit of that {$1000.00}. I have the entire text message via my text & I even sent that as evidence. Still, they denied giving me the credit of my {$1000.00} 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 2023-05-08
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
Citi Diamond Rewards Card I was offered a balance transfer promotion. The representative told me that I could make a payment the next day after receiving the funds into my checking account, and that the payment would be applied to the balance with the higher APR. However after making the payment, it was applied to the balance at the lower promo rate, because " the balances weren't updated yet. '' So Citi charged me 3 % for the balance transfer and is now charging me 24.99 % on my balance, which should be at a 2.99 % promo rate. I called several times and representatives told me each time they'd correct the error. However it was not corrected and I was charged interest at the higher rate. The last time I called about it, they told me this was my mistake and they couldn't correct it.

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 2022-11-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 accordance with the Account XXXX XXXX XXXX XXXX XXXX # : XXXX Account # XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXXAccount # : XXXX XXXX XXXX  SYS Account # : XXXX XXXX XXXX IN Account # : XXXX XXXX ( Account # : XXXX BankruptcyReference # : 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 2023-05-08
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I am a XXXX XXXXXXXX XXXX who was scammed out of {$200.00} by XXXX XXXX XXXX XXXX advised their service is connected with American Express Serve card . Employee XXXX refused to conduct an immediate investigation & place hold on pending card amount of the {$200.00}. I began speaking with XXXX XXXX, American Express Executive Customer Care Scam Transactions Request by email XXXX. A copy of the card & receipt was forwarded. The response was an investigation was being conducted by their Prepaid Team but I haven't received any follow-up & not allowed to speak with that department. My attempts on XXXX & XXXX were unsuccessful. The voicemail box remains full. Messages have been left with the operator whose attempts were also unreachable. Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
The issue is causing me significant distress and anxiety, to the point where I'm having trouble sleeping. I implore you to rectify this as soon as possible. I have never missed a payment on this account, and I find it extremely unfair that I am now being penalized for something that is not my fault. Please update my account immediately and remove any inaccuracies causing me this undue stress.

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 2023-05-08
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My card information and debit card was stolen and someone spent XXXX unauthorized charges on my account. 
Today they sent me a letter denying my claim, telling me that they believe the transaction was made by me or someone authorized by me. This is clearly a mistake so I called them, and they said that the decision is final and could not be changed nor appealed. I am currently out all my money and Wells Fargo will not help me. For a company that mentions the term Zero Liability in reference to fraud charges more than 100 times on their website, I feel I am treated incredibly unfairly and pretty far from what I would expect from any customer service. Please help me get my money back. Im crying for help at this point.

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 2023-05-08
Company: ENCORE CAPITAL GROUP INC.
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
A XXXX store credit card was opened in my name without my knowledge. The purchased item was well over XXXX XXXX dollars. I believe this incident happened in or around XXXX or XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My card information and debit card was stolen and someone spent XXXX unauthorized charges on my account. 
Today they sent me a letter denying my claim, telling me that they believe the transaction was made by me or someone authorized by me. This is clearly a mistake so I called them, and they said that the decision is final and could not be changed nor appealed. I am currently out all my money and Wells Fargo will not help me. Please help me get my money back. I'm crying for help at this point.

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 2023-05-08
Company: AES/PHEAA
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I was notified through XXXX that there was a credit alert on my account. The alert said that AES was trying to reach me and was unsuccessful. My email and phone number have not changed in well over 10 years and I have lived at the same address for nearly 7 years. I immediately logged in to my AES account and could clearly see that my contact information had not changed. I reached out to AES via their online chat and I was told by the agent that my contact information had " inadvertently been removed '' and that I would need to contact AES by telephone. I explained that I was looking at my contact information on the AES wesbite and that it had not changed and was not removed. The agent told me that there was no contact information on their end, despite me receiving monthly statements by mail regularly. I filed a dispute through XXXX which resulted in " the information you disputed has been verified as accurate ' when in fact the information is not accurate. My contact information never changed and if AES was unable to locate my contact information, it was through no one 's fault but their own. I have attached the chat log in which the agent admits that the problem with the missing contact information was in fact the fault of AES.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08
Company: Freedom Mortgage Company
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Fl XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act. 
15 U.S.C 1681 section 602 A. Clearly states that 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 an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a loan account under open-end consumer credit plan as late for any purpose.

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 2023-05-08
Company: Rocket Mortgage, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/2023 I made two payments over the phone to Rocket Mortgage. I specifically told the woman on the phone that one payment was for XXXX and one was for XXXX. In XX/XX/2023 I get notice that my mortgage has been transferred to XXXX Bank. I call XXXX XXXX  to make sure two payments were received. XXXX told me they received one payment and the other payment was applied to principal. I have made several phone calls to both banks but the problem has not been resolved. The people at both banks tell me the problem will be resolved but that has not happened. On XX/XX/2023 I spoke with XXXX from XXXX and XXXX XXXX from Rocket on a conference call. Both said they would take care of it. I fowarded a copy of my checking account statement to and XXXX XXXX indicating the two payments made XX/XX/2023. XXXX said she was going to open an inquiry into the matter and gave me a XXXX XXXX. XXXX XXXX. XXXX. To date I have not heard from either Rocket or XXXX. 
I made a payment on XX/XX/2023 to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
CFPB Complaint ID XXXX was submitted to XXXX XXXX who immediately responded stating they requested removal of the collection tradeline on XX/XX/2023. 

As of XX/XX/2023, the invalid tradeline has not been removed and accordingly causing personal damage. 

TransUnion has blocked my ability to pull my credit report due to an investigation that will be immediately resolved once the collection tradeline is removed at requested by the collection agency. At my own personal expense of around {$30.00}, I had to use XXXX XXXX to view my, supposedly free, TransUnion report. 

Current investigation with TransUnion is Complaint ID 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