BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-25
Company: EQUIFAX, INC.
State: GA
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:
Date : XX/XX/22, I sent out a letters XXXX, to XXXX, XXXX, Equifax. Here is my tracking number ; during this investigation they said everything was 100 % accurate and XXXX said theyre not reinvestigating my items too. 

15 U.S. Code 1681a - Definitions ; rules of construction ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

I would like to know more about who did they speak with? 
How did they complete this investigation? This doesnt correspond to the definition. 

15 U.S. Code 1681i - Procedure in case of disputed accuracy ( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

( B ) Extension of period to reinvestigate Except as provided in subparagraph ( C ), the 30-day period described in subparagraph ( A ) may be extended for not more than 15 additional days if the consumer reporting agency receives information from the consumer during that 30-day period that is relevant to the reinvestigation. 

I would like to how does XXXX hold the right to say, They will no longer further investigate. When 15 U.S. Code 1681i, says theres not limitation to reinvestigation if the report is determined inaccurate, as you can clearly see theres no proper investigation being conducted

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
Company: TEXAS CAPITAL BANCSHARES, INC.
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XXXX Bank has shown that they intentionally delay large withdrawals by claiming fraud review and freezing user accounts. They provide absolutely no time expectation for when the fraud department will address the issue, even after the user has provided all of the security information XXXX Bank requested in order to verify that the withdrawal was legitimate and not fraudulent. The customer service teams also prevent customers from being able to speak directly to the fraud department to resolve the issue more quickly. 

They clearly have no issue accepting large deposits into their high-yield savings account, but they suddenly claim suspected fraud as soon as a large withdrawal is attempted. It is ridiculous that a bank can freeze users ' funds and deny legitimate withdrawals, especially when customers chose a savings account to maintain liquidity for expected upcoming purchases. If I did not have other funds I could liquidate, I would not be able to make the necessary payments on a large upcoming capital improvement project on my home. 

They are either have malicious policies to act as a barrier to customers taking money off their books, or they are inadequately staffed to handle issues of fraud in a timely manner. Either way XXXX Bank severely damages customers financial situation and ability to make the payments and purchases they need.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-23
Company: Credit Bureau of York, Inc.
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A medical bill I had was denied for payment. I called my insurance company and they told me the doctor did not submit the bill correctly. I told his receptionist that he just had to submit the bill correctly and my insurance company would pay it in full. Apparently he did not do so because it is on my credit report as a debt owed. If the doctor didn't want to submit the bill properly it is not my fault. I told them how to fix it and they didn't. I am not going to pay for a medical bill that I am not responsible for. All they had to do was to do their job right. And there wouldn't have been a problem. I tried to fix it, but it was up to them to correctly submit it. Not paying for their mistake. I even tried calling Credit Bureau of York to explain the problem. The number they give to contact them is a number that is no longer in service. There is nothing more that I could do.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
THIS IS NOT A DUPLICATE, PORTFOLIO RECOVERY HAS NOT COMPLIED WITH THE FCRA OR THE FDCPA. THEY NEED TO CEASE COMMUNICATION IN ALL MEDIUMS INCLUDED BUT NOT LIMITED TO XXXX, XXXX, XXXX, SOCIAL MEDIA, EMAIL ETC. 

On XX/XX/2022, I sent a certified letter to Portfolio Recovery Acct # XXXX, tracking number : XXXX and it was delivered on XX/XX/2022, at XXXX. This letter was demanding that they cease all communication on all mediums included but not limited to my consumer reports XXXX, XXXX and XXXX. I also sent copies of these letters to XXXX, XXXX and XXXX via certified mail letting them know that I refused to pay this alleged debt. As of XX/XX/2022, XXXX and XXXX have continued to report this inaccurate and false information. XXXX has failed to promptly update and correct information it furnished to Consumer Reporting Agencies ( CRAs ) that it determined was not complete or accurate, and continued to furnish this inaccurate and incomplete information, in violation of the FCRA 623 ( a ) ( 2 ), 15 U.S.C. 1681s-2 ( a ) ( 2 )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
Company: Experian Information Solutions Inc.
State: PA
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:
This is my 7th Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove these items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX Date of inquiry XX/XX/2021 ; XXXX Date of inquiry XX/XX/2021 ; XXXX Date of Inquiry XX/XX/2021 ; XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, PA 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 2022-10-24
Company: AES/PHEAA
State: WI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I requested a refund under the CARES Act for payments made during the XXXX waiver of {$34000.00} on XX/XX/22. I followed up with a phone call on XX/XX/22 to check that the refund was in process and received confirmation that it was sent to the Department of Education. I have not received any updates or information since XX/XX/22. 

On XX/XX/XXXX I logged into my Fedloan account and all my information has been erased. When I try to call Fedloan, they say that my account has been transferred to XXXX and I can not get hold of a representative because the call ends automatically. I received no information ( email, text, or physical ) that this has happened I found out by chance. 

It has been almost XXXX weeks since I put in my refund request on XX/XX/22 and I am hearing that Fedloan canceled the refund request when they transferred my loan over to XXXX  which I did not authorize them to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Hello CFPB I have started this case because the last two months have been a nightmare dealing with TD bank Credit Card service. 

Just for a quick recap, on XX/XX/XXXX i lost my job, i have been going through some personal medical issues as well and my partner has been kind enough to handle the finances for me, just recently on XX/XX/XXXX i have paid off all my Credit Cards and shortly after i started using them again. I have one CC with TD, for the limit of only {$500.00}, since the payoff i have used the amount of XXXX in total from their credit line. My partner was helping me pay off and he realized on XX/XX/XXXX, just on due date that my balance kept going up, he asked me if i had used the card and i explained him that i have not. 

After we went through the statements we had realized that TD had charged us a late fee for every single months since XX/XX/XXXX. As of yesterday which it was the XXXX due date we had 4 fees, two of them for {$27.00} and two for {$37.00}. They did remove one of the fees and that means that we were only left with three of them plus a XXXX XXXX monthly interest. 

We stopped paying in XX/XX/XXXX and my parter, XXXX advised me to escalate this case with them to have the fees reviewed, We have a total balance of almost {$400.00} and we have just used {$200.00}. We feel TD is a predatory institution that has not just unfairly charged fees, but they have repeatedly declined to help us resolve the fees. 



I spoke to one of their managers, i feel like she was the only one that was honest, she said that we have paid less then the minimum amount but the payments have been submitted on due date. We can assure you that we only have paid what the minimum amount is advised on their system. 


I gave them a chance till yesterday, XX/XX/XXXX to review their information before we took any additional steps to resolve this. We are not comfortable with their politics and most importantly we have come to the realization that their practices have possibly hurt a lot of people. We are willing to share any information related to the matter to get to the bottom of this. 


Please see the three attached statements for the last 3 months, we have paid the minimum amount advised on the app in all the last 3 months, and we have received fees on all three of them. 


Please help us and the American People from this PREDATORY INSTITUTION, they are in business to take advantage of the hard working people so their top bankers can make millions a year. 


Respectfully

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-03
Company: EQUIFAX, INC.
State: GA
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: Was not notified of investigation status or results

Complaint:
I have sent numerous documents to Equifax, XXXX, and XXXX and have not received a response. It has been past 30 days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of 3 times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and demand a grand total sum of {$1000.00} per each transaction and I demand that ALL items listed on each letter be DELETED from my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24
Company: Block, Inc.
State: SC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
today, XX/XX/2022 ; a transaction from a client of mine was erroneously sent through cash app to the wrong recipient this is not the first time, I am an XXXX in XXXX XXXX, my name is XXXX XXXX XXXX the cash app also has a person named XXXX XXXX XXXX whether on purpose or accidental this person has been occassionally sent $ by people trying to pay me Today, XX/XX/2022 ; a XXXX XXXX dollars ( {$1000.00} ) fee was acciedentily sent to XXXX XXXX XXXX ( not me ) instead of returning the $ by request the XXXX XXXX XXXX recipient cuts off all allowed contact and the person sending me $ $ is out and the $ money never gets to me Over the years I know this has happened multiple times XXXX XXXX XXXX cash app is continuing to accept $ meant for me I do not believe the person is an attorney To my knowledge not once has XXXX XXXX XXXX ever returned XXXX $ please help if merely to tell me how to proceed thanks XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Previous complaint sent to USAA. Acknowledged they had received and were sending to office of CEO. However this is not moving in an immediate manner. My phone has been disconnected, my bills need paid. I can not go to my doctors nor feed myself and my animals. I suffer from a XXXX XXXX and USAA has every right to close account due to my mistakes, however they do not have the right to withhold my only source of income ( SSDI  ) nor do they have the right to inflict pain and suffering on my part. The bank suffered no lose of funds, nor did they suffer any damage

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24
Company: WELLS FARGO & COMPANY
State: MA
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:
My identity was stolen and Ive tried to send paperwork police report & show this the information has still remained there

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 2016-11-16
Company: First Credit Services Inc.
State: NC
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I am writing this complaint as no action has been taken after having multiple calls to XXXX regarding the calls I am getting from debt collection agency stating I have a pending balance to XXXX. 

On XX/XX/XXXX, over phone, I have cleared full balance and closed the account/membership with XXXX. My bank account statement has the transaction recorded for the same. Despite full payment and closing my account my information was given to First credit service. They have been calling me since XX/XX/XXXX to collect the balance. 

I have made plethora of calls to XXXX regarding the same. Explained the situation every time and every time I have been assured that my account is closed and no balance is pending situation would be taken care off. 

Further, I have been asking for the receipt from the day I made the payment over the phone and subsequently the calls that I have made. Every time I have asked for the receipt I have been told I will receive the receipt in my email. Every time I have confirmed that there is a correct email on account - XXXXXXXXXXXX. However, I have n't received any receipt. 

I have also asked for the receipt to be mailed to my address. I have n't received that. 

Continuous calls from the First credit service to collect debt has become harassment and torture. 

I have also told First Credit service representative over phone that XXXX is not giving me receipt. I told them I can provide bank account transaction detail with reference number and receipt number but they are not accepting that. 

Details for the membership account : Name : XXXX XXXX Phone : XXXX Email : XXXXXXXXXXXX Payment made by credit card ending XXXX to XXXX NC on XX/XX/XXXX. 

PS : All the calls with XXXX was with membership managers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I request that the following inaccurate items be immediately investigated. They must be removed to show my true credit history, as these items should not be on my report. Pursuant to the Fair Credit Reporting Act I will expect you to complete the verification within thirty days. 
ALL MY PERSONAL INFORMATION WAS COMPROMISED AND THESE INFORMATION INCLUDE PHONE NUMBERS ADDRESSES PUBLIC RECORDS AND ARE UNDER DISPUTE WITH CREDIT BUREUS XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX XXXX  XXXX, CA XXXX THE REST OF THE INFORMATION IS ON FTC REPORT THAT I ATTACHED

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
Company: ROBINHOOD MARKETS INC.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
Last year, on XX/XX/XXXX, i had total of 9 unauthorized transactions in my robinhood debit card account. I filed a dispute claim for 9 of them on XX/XX/XXXX thru robinhood XXXX. Somehow, omly 2 transactions got granted immmediately, but those two had the least amounts, and the rest 7 never got granted. Then i contacted them by phone, emails, i kept writing back to them saying how come only 2 got granted when i filed 9 of them at the same time ( 9 charges different amounts which happened in same day, same merchant, same period of time ). I was kinda shocked when they first approved my 2 transactions, they emailed me that they have found enough evidences, blah blah blah so they are good to go! But after many times contacting by phones, writing so many emails to have the company to refile those 7 transactions, they made me waitng like forever and kept denying my claim. Funny thing occurred til one point because i kept asking them to reopen the claims, and they finally sent me back an email said that they have found errors with and proofs so they will okay it! And then i showed it to them after couple days without any actions, then they emailed me back saying " oh that was a mistake, there is actually no error found, so it wasnt going to get granted ''. Ridiculous right? I finally emailed them again this time i criticized everything, pointed out everything with photos attached with emails they sent me... to make my point that i need all the staff in dispute department to stop treating people like an assembly line, please have some heart or at least put some effort into the work. Therefore, after waiting months and months pending for solution, they decided not to help me anymore and shut down my account, redflagged phone number so that nobody picked up my phone at customers services app support, emails no answer! Last time i checked those 7 transactions were pending and all the representative i spoke they all said " oh okay they were looking good, u just have to wait '' ... ..they lied to my face, and my account got closed all of a sudden. That is the reason today i need to your help please. I am very XXXX, please help me thank u.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30
Company: Experian Information Solutions Inc.
State: MD
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:
Experian is in Violation of reporting inaccurately Inquiry on my credit report all false and fraudulent inquiry Under 15 U.S. Code 1681b permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is Fraud Remove all the of fraudulent Inquiry Inquiry details 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