BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-09
Company: Block, Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I intended to purchase goods from a user on CashApp, I was going to purchase 2 concert tickets and transfer only half of the amount for one ticket in good faith to ensure the transaction was legitimate. The person took the money, and never sent the ticket which is a dispute concern of no merchandise received. When I attempted to request the money be returned, the user then refused and blocked me. I went through cashapp and submitted a case for review reference ref : XXXX via email. After telling them what their responsibilities are in reference to the updated info supplied by the CFPB regarding XXXX companies and their due diligence to consumers regarding the EFTA laws they chose to state they are not responsible and closed my case out stating it had been more than 3 days since they received a response from me when that was not the case and all of this took place in one day on XX/XX/2022. They are flat out ignoring federal law and their own due diligence. They refuse to even investigate or initiate a chargeback even after I presented them with links from the CFPB website regarding their responsibilities. The amount was for {$55.00} dollars on XX/XX/2022 and the funds were taken from a XXXX card which has rights to dispute under chargeback reason code merchandise not received. It will be disputed now through my bank for this purpose since the merchant refuses to take any action at all to protect me as a consumer in this situation. More consumers will be taken advantage of if nothing is done to hold entities like this accountable for their blatant lack of action or regard for the law. Thank you for your time, I am here if any further information is required as I have the email chain with CashApps manager I spoke with, the chat chain with their representative, and proof of conversation with the alleged seller of the concert tickets in regard to what the agreement was to be regarding the sale of said item. Have a wonderful day.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-26
Company: ALLY FINANCIAL INC.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
In XX/XX/2020 I did a review of payments on my 72 month loan and found I have made 74 payments. I mailed a dispute letter on XXXX XXXX which they received. I gave them two weeks without a response. I tried to call and kept getting collections and transferring to customer service was no help. I keep getting collections calls. I finallyam fed up with no response and contacting you.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-29
Company: Ditech Financial LLC
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage was sold to Greentree servicing. Due to medical issues, I fell XXXX month behind on my mortgage. I spoke with someone at greentree and told them I was planning to pay extra every month to catch up. I then became only XXXX behind. I then was put into foreclosure ... for being XXXX behind. I called greentree, they told me they mailed me a letter telling me to be current by a specific date. I never got this letter. They then stopped accepting payments from me, and told me I had to make pay all past due amounts at once. This included a check they cashed but put into holding, but did not reduce the amount I owed. It took a few months ( XXXX ) to get them to come up with the right amount that included that cashed check. I then attemped to pay the amount past due in total. I was informed that they sent an email to legal and had to wait for a response before they could accept payment in full. ( due to the foreclosure fees they needed to get info on ) I was constantly told to call back the next day, I did, eventually they began saying call back in a week, I did.. then it became nothing by being sent to voicemail and no one returning my calls. This occurred for a full year. I was then massively behind. At my wits end and months away from being kicked out of my home, I contacted XXXX. Only then did greentree talk to me about my mortgage again. They told me I only had XXXX option in the modification that extended my loan from XXXX more years, to XXXXXXXX XXXX! They then tacked on over {$10000.00} to my principle balance.. They claimed this was a charge for " capitol '' I now owe MORE on my mortgage than when I bought my home in XX/XX/XXXX. I contacted greentree to find out what this " capital '' was and they will only give the answer " Its just capitol on the mortgage '' That is not an answer. Bottom line, is that I had to modify a mortgage due to their negligence, and they get to add XXXX XXXX dollars to my principle balance. Contacting them has not gotten anything resolved. They went from being harassing and threatening me, to avoiding and causing extreme financial issues that could of been completely avoided.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-09
Company: BBVA FINANCIAL CORPORATION
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
XXXX through the XXXX application SIMPLE Finance Technology Company has violated banking regulation 31 CFR Part 212 garnishing my federally protected funds and refusing to discuss the matter. I am XXXX with a XXXX and receive my XXXX check deposited directly by the us treasurer in a checking account, recently a very old incorrect child support order resurfaced from XX/XX/2010 and the bank garnished my account to include my federally protected and exempt XXXX payment. This now has caused me the inability to purchase needed medications and essentials such as food. XXXX. The bank has now refused to release the funds even though they are federally protected and is illegal to garnish. The bank has now ignored my XXXX reasonable accommodation request to speak directly to a banking regulator or compliance officer as my email communication skills might not be giving the right message or making sense. This too has now been ignored and not accommodated. The ramifications of a banking institution actions for me on this are now advanced to severe both XXXX and XXXX. again the only deposits for the last several weeks and pretty much the last 5 months have only been XXXX payments. 

1. Thy contacted by email not mail as required on XX/XX/XXXX and I immediately advised them is action was incorrect and they can not allow it to happen due to the funds were federally protected. The only option they gave was to contact the court. The court being in the State of IL and I am in XXXX XXXX without any financial ability to hire an attorney or fly to be present for a hearing. 
2. They did not conduct a look back to see where my deposits were coming from. If they did they would have noticed almost all were from XXXX the last several months. Even though I advised them this was not legal. 
3. They have told me there is nothing they can do and have not even tried to help the situation - at one point belittling me telling me they know the banking regulations. 
4. I asked for a reasonable accommodation to speak to a bank regulation or compliance officer afforded to me under the XXXX act - and the 2 requests have gone unanswered and have not proved helpful. 
I am not asking for anything other than the law and regulations be followed. The to close me out of funds without and oversight or due diligence is reprehensible and not allowing me to speak to a manager or officer is very aggravating. I am now out of my basic medicines that are crucial for my XXXX and have no way to travel to the store - see a doctor or even buy anything needed to survive. Please please advise my bank to follow the regulations and do something other than be a shallow shell of a business and now ignoring my XXXX reasonable accommodations request. I am in urgent need of someone making a phone call to make this right.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-30
Company: LoanCare, LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I refinanced mortgage loan from LoanCare to XXXX. LoanCare paid taxes ( escrow account ) as did XXXX. LoanCare paid taxes knowingly paid taxes even though they were informed on XX/XX/2016 that refinance was happening and they had given documents to XXXX ( new lender ). I have been trying to work with Loancare since XX/XX/2016 to get my money back as Tax collector only received tax money from XXXX. LoanCare has consistently misrepresented where my money is. I have documentation $ returned to them on XX/XX/XXXX. LoanCare 's representatives have been either ill trained as their information does not match the facts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-26
Company: Experian Information Solutions 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:
Someone ran my credit for comenity XXXX XXXX and credit one bank. These are fraud credit inquiries o did not authorize no one to run my credit or gave anyone permission to run my 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 non-monetary relief
Consumer complaint received 2015-09-01
Company: CITIBANK, N.A.
State: OR
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
Several months ago an unknown person or persons used my XXXX card information to charge {$2100.00} ( probably gift cards ) at a distant outlet of a high end national retailer. My bank froze my account, reimbursed the fraudulent charges, and issued me a new XXXX account. It later occurred to me that I might have some exposure via my Shell Oil credit card. A purchase of gasoline using the card requires no password nor signature. I sent several emails to Shell asking about consequences of fraudulent use of my Shell card. Replies were boilerplate, did not address my question, and were totally unresponsive. Sloppy, too. They addressed XXXX email to " Dear XXXX '' ... ... ... the city where I live. So I sent an actual letter to Shell senior management asking the same question. This was a couple of months ago. No response. 
Can your agency tell me whether fraudulent use of an oil company credit card will produce reimbursement to the card holder? I believe this is a question of general interest ; I 've torn up my Shell card but may be interested in applying to another oil company. I like the convenience of tracking fuel purchases separately from my other credit card activity.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-15
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I completed several applications for loss mitigation. Underwriting claimed it could not make a decision because the file was missing tax documents which Carrington admitted it already had in its possession. At the direction of Carrington, I submitted an " Appeal of Denial '' together with executed copies of the alleged missing documents. Instead of a response, Carrington started a foreclosure which is pending XXXX XXXX, 2016. This is clearly dual tracking and I am asking that the foreclosure be stopped as I am ready willing and able to pay off the mortgage on or before XXXX XXXX, 2016. My offer of settlement is {$150000.00} XXXX Dollars.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
There are numerous inquiries checking my credit history without my consent nor have I ever heard of most of these & they are : XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX - Never Ever Applied for XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Never Ever Applied for XXXX XXXX XXXX XXXX XXXX XXXX  - Isn't this for housing? Never Applied Through XXXX  XXXX XXXX of them has done TONS of inquiries & NEEDS TO BE STOPPED

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25
Company: Experian Information Solutions Inc.
State: NV
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 received a bill from XXXX XXXX - XXXX XXXX in XXXX. I immediately called the number on the statement & advised them that this was not my account & that I had never dealt with XXXX XXXX. They told me to contact the Credit Bureau. I contacted all 3 Credit Bureaus. I have heard from Experian, who said the information had been updated & to contact XXXX XXXX if I'm not satisfied. It is still on my credit report as my account. This is NOT my account. They don't even have my name spelled correctly. When you contact XXXX, they tell you to contact the Credit Bureau & the Credit Bureau tells you to contact the Bank. What exactly must I do to get this off my report?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-26
Company: EQUIFAX, INC.
State: IL
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:
On XX/XX/20 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and XXXX  have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17
Company: Elevate Recoveries, LLC
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or missing disclosures

Complaint:
I never received any letters about my debt for a medical bill. I reached out to the collection company on XX/XX/2022 that was showing up on my credit report and it said I owed XXXX and we ended up settling for XXXX. Company said they would close it on my credit report and never did. I tried to dispute is 2 times already and they are denying it. They said they would send me emails of the receipt and showing that it was closed and I never got one.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17
Company: EQUIFAX, INC.
State: VA
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:
I sent letters to the Credit Bureaus to remove the inaccurate information that is found on my credit report. But still those inaccurate information are constantly reported on my credit report. That means the Bureau has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THE FOLLOWING INFORMATION COMPLETELY FROM MY CREDIT REPORTWrong address:XXXX XXXX XXXX XXXX XXXX XXXX, Va XXXXCorrect address:XXXX XXXX XXXX XXXX XXXX XXXX, Va XXXX Please remove any other addresses. Correct Phone number : XXXX Please remove any other phone numbers. Correct DOB:XXXX Please update and remove any others.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10
Company: Convergent Resources, Inc.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I recently obtained a copy of my credit report and was shocked to see a collection from Convergent Outsourcing in the amount of {$590.00}. The original creditor is XXXX. On XX/XX/2020, I made efforts to dispute and remove this account from my file via credit reporting company XXXX  to no avail. I do not own this collection. This erroneous information has resulted in me being denied credit as well as less than favorable credit terms. I am filing a complaint to the FCC about XXXX to fix this issue as well.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-26
Company: AMERICAN EXPRESS COMPANY
State: FL
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:
I always pay my credit card accounts completely and on time every month if I receive the mailed statement. This company, Hilton Honors, American Express says since XXXX I've been paying late every month and now they're charging {$40.00} late fess in addition to other fees every month which is news to me. I have only two recurring charges each month on the card totaling {$35.00}. According to my online banking account ( XXXX ) I paid {$87.00} in XXXX ( XXXX XXXX  ) apparently because I missed the XXXX payment of {$35.00}. But I was paying the late charges only or something? I didn't receive the XXXX bill or I would've paid it. I paid {$66.00} on XXXX, apparently late again because my bill is due the XXXX of ea month but if I don't receive the bill, it's my online bank telling me I have a bill. This is twice the normal amount. Then I transferred the two recurring charges for XXXX so my bill shou8ld 've been XXXX in XXXX but again I didn't receive a statement and found when paying other bills on XX/XX/XXXX that my bill was now {$140.00}. I asked for charges to be removed so I could pay my final bill and cancel the card and then received this story about not paying late charges back to XXXX. I asked to speak to a supervisor and was put mon hold for 20 mins or ignored ...

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-24
Company: Kriya Capital, LLC
State: KY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Constant calling. Calling at all hours. Do not owe anyone anything. Credit rating is in the 800s. Never leaves messages. Just want it to stop. Credence is the name of the caller. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-24
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have a debt on my credit report that has been paid. But it has not been removed from my credit report. The debt collector  Credit Management Control  has sent the proper information in to remove the debt but it has not been removed from my credit report. I would like for this debt to come off my credit report. I am going to provide the proper information for this debt to be removed off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-22
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My Issue is with a 30 day late Carrington Mortgage Servicing is reporting on my loan. I made my XXXX payment on XXXX, XXXX, 2015. The XXXX payment was made XXXX XXXX, 2015. On XXXX XXXX, 2015, they reversed my XXXX payment and applied my XXXX payment towards the XXXX payment. I subsequently made the XXXX payment on XXXX XXXX. I am not sure why it took Carrington 35 days to reverse the XXXX payment. but when they did, the XXXX payment was there to be applied toward the XXXX payment. I am trying to complete an FHA streamline refi but XXXX XXXX at Carrington said I could not because of this XXXX late. 

I want this 30 day late removed from my credit so I can proceed with the refi. 35 days to return a payment is Unfair, ridiculous and has to be in violation of RESPA or FCRA. Please have then correct my credit

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-27
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
My problem is with eqifax they recently have started reporting wrong year of birth & wrong address. They sent me forms to correct but there forms are not for correcting year of birth nor address. Also they have no current report at all, it 's all old items, none of my current credit! Which makes it like I have absolutely no credit! All the other reporting agencies XXXX & XXXX are correct! Have tried to talk to someone and they keep telling me to fill out the dispute form, I keep telling them that their form is not formatted for this type of correction. Nor are the forms formatted for these corrections online. They outright refuse to correct it!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-09
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Problem with customer service

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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief