BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-16
Company: Resurgent Capital Services L.P.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
CACH LLC has reported an account in the amount of {$26000.00} on my credit report. I have send multiple letter to the Credit Bureau and to CACH LCC to verify what this account is for and I have not received any of the requested information. The letters were mailed on XXXX, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020 and XX/XX/2020. To date, I have not receive any response. I have been attempted to resolved this issue for almost a year now. I am requested that the account be removed from my credit report due to CACH LLC non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Bill was paid in full on the XX/XX/XXXX including any pending charges before billing cycle of XX/XX/XXXX on XX/XX/XXXX I was charged {$13.00} for interest I called and spoke to a customer service person and a supervisor about how XXXX days after a XXXX balance on the account is now charged interest. Their story is because it is considered a revolving card the continue to charge interest. I replied they can eat that interest and cancel the card however I didnt wait around for more of their excuses to make profit for nothing. The Card holder Bank is Capital One Bank.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XXXX XXXX XXXX Last reported XXXX XXXX, 2023 {$8100.00} Open balance XXXX XXXX Original creditor

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 2023-01-31
Company: Google Compare Credit Cards Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
The XXXX case that was initially opened in XX/XX/XXXX was prematurely closed, as I believed that Googlepay had completed their task of refunding to me the balance ( {$180.00} ) of my permanently suspended account, however, these funds never reached my bank account as requested, and the {$180.00} had since been sent back to my suspended Googlepay account. 

In the time since opened my first case with the XXXX, I have been assigned a minimum of 6 GooglePay support staff members, each of whom did little to nothing at all in regards to the steps it will apparently take for me to receive the refund that is due to me from GooglePay.

I mentioned this in the initial case I opened almost 2 months ago now, that my boyfriend was dealing with the exact same situation with GooglePay ( ie paid {$180.00} by same person on XX/XX/XXXX, had account suspended on XX/XX/XXXX, was not able to retrieve these funds or talk to a rep from GooglePay about resolving this problem ) .The big difference with his case as compared to mine, is that it some time in XX/XX/XXXX, Googlepay allowed him one time access to his suspended account, at which time he transferred the {$180.00} onto a bank card of his, and his issue was resolved. I have asked repeatedly for the same opportunity from GooglePay but have not been allowed any access to my account. Instead, there have been 2 failed attempts to utilize ACH transfers into two different bank accounts in my name ( no reason has been given for the failure to transfer ) for which I gave accurate routing and account numbers as requested by GooglePay but now 2 months later, the {$180.00} still sits in my suspended account. 
If I would be allowed access just once to my GooglePay account, this situation that has been ongoing since XX/XX/XXXX would be resolved in minutes, rather than the months it had already taken Googlepay to assign, then reassign my case to several staff members, wasting valuable time, money, and resources on GooglePays end, and on my end has been hundreds of hours writing emails, opening cases with CFPB and others, and putting me out at w time where I am currently unemployed and desperately need access to the {$180.00} in question. Please give me one attempt to transfer the funds out of the account and then close my account permanently. Its that simple but has been made so complicated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22
Company: TRUIST FINANCIAL CORPORATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
So my truist checking acct was in the negative and they just kept charging me to were now I owe them XXXX. 
Im sorry but if my account was in the negative what makes you think charging me is going to make me be able to afford it better. 
A XXXX check was deposited in there and they happily took that which tells me its still not closed. 
I cant afford this right now at all and I was just trying to make my credit better. 
Im sorry but there should be a cap on how much they could charge in fees and at some point close the acct I havent used this acct in over 6 months but like I said when a check accidentally got direct deposited in there they quickly snapped that up. 
I literally live pay check to pay check Im not trying to screw anyone out of something there owed. 
If there is anyway you can help me please I would appreciate it Thank you 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 explanation
Consumer complaint received 2023-07-21
Company: Experian Information Solutions Inc.
State: CA
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 to 15 U.S. Code 1666b this is my statement that all of the listed accounts have been reported without my expressed written consent and therefore is a result of identity theft and must be removed. These reporting of these accounts are not related to any transactions related to the consumer.

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 2022-11-24
Company: Block, Inc.
State: OK
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 concern is with BLOCK, the company responsible for CASH APP. I have determined that my personal financial data is being held hostage by their software. I should be able to connect cash app with XXXXXXXX XXXX XXXX XXXX XXXX XXXX, or other XXXX XXXX  software. I am certain that if I started a class action lawsuit, other organizations such as XXXX, XXXX, and various banks with financial management software would join. It should not have to come to that. As far as I know, there is no other organization that traps consumer financial data in this way. Yes, it is possible to go to the Cash app website, download a data file and then hopefully upload it into some other software, but the process should not be unduly difficult in this way. There is on mandated standard data format for personal transactions. Thousands of banks participate in the PLAID data verification system, but CASH APP is notoriously absent. If BLOCK is going to be allowed to function like a bank, they should be expected to give people easy access to their personal transaction data like other similar organizations. 

These are the types of issues that the CFPB should be involved in.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
1st of June I was in the market for an apartment in XXXX MA A person with the name XXXX XXXX, offered say that was the realtor for a property. We signed contract, send him security deposit and first month rent. 
Total {$3800.00}. 

When we got to the apartment, no one was there to meet us. The documents and the photos he used were faked. 

We filled complains with the banks and the police.

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 2022-06-22
Company: Chime Financial Inc
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Chime Financial , Inc.

About three months ago a tenant sent me a payment through chime. Annoyed I linked a bank account and withdrew the funds. I did not realize Chime was sending a debit card to me. I dont want a debit card from Chime. 

The tenant made a subsequent payment about a week ago. Chime wont let me withdraw the funds without activating the debit card. I asked customer service via chat to release the funds. They refused unless I activate the card. I now have an account I dont want and they are forcing me to have a debit card to withdraw funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19
Company: Credova Holdings Inc
State: TX
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Date Opened : XX/XX/2022 ( during pandemic ) credit balance of {$6600.00}. 
The first attempt making an special appearance to understand what information was assumed to be. In an attempt to collect a debt credova financial services, authenticated a mortgage using my identity. identity theft is a crime and is reported. violated my personal identity 18 u.s.c1028.4 identity theft 15 u.s.c 1681 a obtaining persons information to file a consumer report as an estate or subdivision agency or government agent. Fraud of information whoever knowing and process identification authentication or false defraud using electronic signatures. I see XXXX XXXX XXXX standing by including to XXXX XXXX XXXX in this collection. A financial interest, a report was pulled under false pretence which is identity theft. This is a claim and debt under mortgage. I have the right to due process. Delete terminate and remove immediately. Please remove. A loyal patron.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I was told Wednesday my funds would be available to me within 48 hours and it hasnt and now theyre holding my funds XXXX and I can not compete my clients projects because if this. I want my funds released at once so I can withdraw them!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-23
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 to the Fair Reporting Act XXXX  Account - XXXXXXXX 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 an 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 non-monetary relief
Consumer complaint received 2022-04-23
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: Account status incorrect

Complaint:
This is re-aging which is illegal.I disputed these account XX/XX/XXXX and on XX/XX/XXXX and multiple dates in XX/XX/XXXX because they updated the information which is still incorrect. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. MN XXXX ( XXXX ) XXXX DATE OPENED XXXX XXXX. XXXX DATE REOPENED XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. MI XXXX ( XXXX ) XXXX DATE OPENED XXXX XXXX. XXXX DATE REOPENED XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX DATE OPENED XX/XX/XXXX DATE REOPENED XXXX XXXX. XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-19
Company: Experian Information Solutions 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 accordance with the Fair Credit Reporting act XXXX Account # 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 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an 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 non-monetary relief
Consumer complaint received 2022-11-24
Company: Paypal Holdings, Inc
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I have been using PayPal to receive payments for Online business and also receiving donation for the charity. 

On XXXX XXXX, I received an email from PayPal to send documents, I sent all the required documents. But then I received another email for permanently closing my account. 

I contacted PayPal and they refused to give me any information about this. 

I feel this was not fair on my part as I can not have control over how other people use their PayPal accounts I just really want my account back. 

This is the Reference ID : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XXXX XXXX I call the Bank of America fault department to freeze my checking account because I found there are many unrecognized transaction that I found. The following day XXXX XXXX i went to Bank of America branch at XXXX, NY to report this incident, I've been successfully dispute most of the charges, however there are three counter withdrawn ( {$5000.00}, {$5000.00}, and {$9000.00} ) still under investigation, i was initially told they will refund it within 30 business days, then about a month later when i call check fault department they told me 30-45 business days, so i waited. Into the month of XXXX when I call again the customer service person told me it will take 60 business day. Finally when I call on again XXXX XXXX to confirm if fault department receive my email which sent on XXXX XXXX, in the end I was told the check fault will take 60-90 business days. To whom may concern ; please help me anyway you can.

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 2022-06-22
Company: DISCOVER BANK
State: FL
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:
Since XX/XX/XXXX several negotiable instruments endorsed per to bills of exchange act, UCC 1-314, 1-308, 1-306, 1-603, 3-416 12 usc 411, 18 usc 8 and hjr 192 along with several others, have been sent totaling over {$9000.00} between two accounts. To discover financial services. Ending in XXXX and XXXX. However PAYMENT was accepted, never returned nor credited. PAYMENT is not defined in the contracts or terms of conditions in discovers and agents refuse to define it. I have told them repeatedly that they may either return my endorsed instruments or credit my account. They refuse to do both. I have reported several billing errors disputes as well as provided instructions and they refuse to acknowledge my billing error disputes, apply credit, and attempt to mark payments as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-30
Company: Blitt and Gaines, P.C.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Blitt and Gaines did not validate the alleged debt they are attempting to collect from me. Blitt and Gaines provided false and misleading communication regarding the alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
I am a concerned consumer and my credit report is not reporting 100 % maximum accuracy and it has caused me a great amount stress, I can not get approved for anything and I becoming suicidal due to the fact my information is in someone else 's hands and is not being investigated properly and being misused. Transunion, XXXX, and XXXX keep stating these accounts are verified that they are all reporting accurate which is false, they all hold different information on each bureaus, In accordance to something called the Fair credit reporting act XXXX  XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXXXXXX Account # XXXX, XXXX XXXX Account # XXXX, and XXXX  XXXX XXXX Account # XXXX has all violated my rights. 

15 U.S.C 1681 section 602 A. States I have a 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 with out 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 non-monetary relief
Consumer complaint received 2017-08-12
Company: Experian Information Solutions Inc.
State: SC
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:
Experian is reporting a account with XXXX XXXX The account is paid per the credit report but this account continues to report with a bad payment history. This is not my account and under the fair debt collection practices, it 's illegal to report inaccurate debt. I ask for validation of this debt, signed contract, with my signature. I would be so grateful if this would be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19
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 accordance with the Fair Credit Reporting act XXXX Account # 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 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an 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 non-monetary relief
Consumer complaint received 2022-08-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IN
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In XXXX ( Attorney XXXX XXXX letter ) and XXXX ( Authorization ) we submitted two signed third party authorizations, from borrower XXXX XXXX twice and their own call records show XXXX XXXX called Shellpoint and the Bank XXXXXXXX XXXX XXXX XXXXXXXX, requesting they provide me with a pay of borrower XXXX XXXX 's loan. They refused to do so but their attorney 's XXXX XXXX and XXXX XXXX lied to two court, XXXX to federal bankruptcy XXXX that we could go across the street and get a mortgage, which I could not because they refused to give us a payoff, and XXXX XXXX stating a payoff could not be provided because he had to protect his client, XXXX XXXX 's privacy, when in fact XXXX was fully aware his client XXXX  had two authorizations and neither his firm nor XXXXXXXX XXXX XXXX did not represent the new master servicer Bank of America. I spoke to Bank of America who advised me that both authorizations I submitted in XXXX ( Attorney XXXX XXXX letter ) and XXXX ( Authorization ) from borrower XXXX XXXX were sufficient for XXXX  to have provided me a payoff letter. The new law firm in a letter dated XX/XX/XXXX, from XXXX XXXX XXXX, Managing Member XXXX XXXX XXXX XXXX XXXX XXXX XXXX Attorneys at Law, representing Bank of America responded to my complaint # XXXX, by falsely stating I had stated that I had never gotten a copy of the foreclosure judgment, which was a lie, as I had never stated that. Further he NEVER offered to provide me with a authorization for his client Bank of America, who in fact provided me their payoff authorization for borrower XXXX XXXX to sign earlier this week. This is a continuing violation of federal law and FDCPA.

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