BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-06-19
Company: CASHCALL, INC.
State: IN
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
I took out a loan in 2011 from Cash Call for XXXX The balance never goes down The interest on this loan was 139 %. I see where there is a lawsuit against them from certain states and my state Indiana is XXXX of them. I have stopped paying them since I already have paid them over XXXX. I guess if they try to sue me I will have to get a lawyer. I do n't feel I should pay them anymore money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-31
Company: Square Inc
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
My name is XXXX XXXX from XXXX XXXX, Illinois. 

I wrote to you today to seek your help. One payment gateway company named Square in XXXX XXXX maliciously hold the payout of our shops and users when epidemic is raging, depriving us of ability to against the virus. 

The Company name : Square , Inc The Company address : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX, USA Contact : ( XXXX ) XXXX ; Email : XXXX Square is a payment gateway company providing money collecting service, allowing shops and users to register in their company and use their payment service. They hold and suspended my payout worth {$50000.00} since last XXXX. As far as I know, they have no right to hold the payout of shops and users without providing time framework. Even when they need time to solve the chargeback dispute case of buyers and customers, they cant hold the payout indefinitely without giving a clear time to grant these funds. 

At the beginning, they said they need 90 days to deal with potential chargeback dispute and payout will be available in 90 days, which is understandable, reasonable and necessary. However, 90 days later, they still hold my payout and failed to send email to me. I sent email to them to ask for consultation and seek help but havent received any reply. As of today, they have held my payout for half a year, which is intolerable. 

As the new coronavirus is raging in America now, I dont have money to buy daily necessities to protect myself because this collecting company in your city hold my payout worth {$50000.00} maliciously without any explanation. I really need these money to buy some food and cleaning products. I dont want me and my family to contract coronavirus, but I dont even have money to buy some soups and sanitizer. 

Please help me reach the company in your area, since I am in a very urgent situation right now. I can not protect myself and my family because this company maliciously hold my funds. 

Thank you so much for your time. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-15
Company: Block, Inc.
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/XXXX a CashApp Customer service representative emailed me telling me that i had to provide more information in order for the dispute to continue.I replied to her email in less than 24 hours giving a detailed explanation of what happened.On XX/XX/XXXX i asked if there was a update on this case and then i got a email saying that a response was not provided or they havent heard back from me in 3 days.This is entirely false cause i fact did reply back to her.I will provide you a screenshot of my response with the file attached.Im making this complaint to resolve my dispute that was started on your guys behalf when i made a complaint a few weeks ago about this dispute.The reference email code is [ ref : XXXX : ref ]

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
XXXX XXXX XXXX XXXX continues to incorrectly report history on credit reports. This time, XXXX is reporting mortgage payment late for the month of XX/XX/2020. The bill was paid through online bill-pay. The payment was made on XX/XX/2020, via electronic check. 

Upon checking my credit report, I was informed that due to late payments reported by XXXX my ability to qualify for credit was being impacted. The negative information is being reported on all credit bureaus.

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 2015-04-03
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
On XXXX/XXXX/XXXX, I received a phone call from someone claiming to be a representative from Navient corporation. The representative 's name was XXXX XXXX. 

The call came to my mothers home phone number. I asked the representative how she got this phone number. She told me I gave it to them. I told her that this was not true. The only phone number under my account that navient is authorized to call is my cell phone number. I have deleted all other numbers from my online account, and as of XXXX XXXX I had all other phone numbers removed from my account. I have explicitly told several Navient representatives, including most recently my " account representative '' XXXX XXXX, that the only number I can be reached at is my cell phone number. 

The representative told me she was calling me regarding a complaint, and wanted to verify my information. Again, I told the representative the only contact information I have provided regarding a complaint with Navient is my cell phone number. The representative asked me to verify some information before she could speak to me about the complaint. I asked her which complaint she was calling about, as there are XXXX complaints filed against them, not including this one. The representative refused to tell me until I verified my Social Security number and other information. I told her I would not give her any personal information until she verified what complaint she was calling about. The representative continued to argue with me, and I told her I would file another complaint about her behavior. The representative told me to file as many complaints as I wished. When I refused to verify my information until she told me what complaint she was calling about, she hung up the phone. The only reason I asked this is because navient contacted me on my mothers home phone rather than my cell as I provided.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-08
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have a HAMP Loan XXXX through OCWEN Mortgage. Several years ago you handled another problem I had with them quite satisfactorily. The original loan was through XXXX XXXX XXXX. After some months OCWEN took transfer rights. At the time of transfer OCWEN applied {$430.00} in fees on my monthly statement. I inquired as to why I was getting this added fees. They told me it was transfer fees. This is a HAMP Loan there are no other fees to be applied during the duration of the loan. I refused to pay these fees and to this day they remain on every statement each month. The fees applied to the last statement was {$360.00}, why they dropped I do n't know. I do not owe these fees, I have never been late on this loan and am in good standing on the loan. I 'm getting extremely agitated seeing them on my statement every month listed now as past due fees/other charges. Any help you might give me would be greatly appreciated. As I said you took care of the other problem I had with them right away. This problem did not start appearing until I had the loan with them for several months. Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA. XXXX E-Mail XXXXXXXXXXXX Phone XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-31
Company: Experian Information Solutions Inc.
State: MA
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 disputed the account because I noticed it was on my credit report and I did not authorize this account. To dispute this account, I mailed a dispute letter, a copy of my FTC report for identity theft, a copy of my police report for fraud/impersonation/identity theft, 3 forms of personal identification ( copies of my driver 's license, my social security card, and one of my recent bank statements from the past 3 months ) along with a copy of the page of my credit report ( s ) on which the account was listed, in an envelope sent to the creditor of the account and I also put copies of the same documents in an envelope sent to all three credit bureaus ( Experian, XXXX, and XXXX ), this was 60 days ago. The creditor and the credit bureaus have not mailed me a notarized contract with my signature on it within their 30-day allotted timeframe allowed by the FCRA ( Fair Credit Reporting Act ) to validate the account, and thus the account must be immediately deemed invalid, fraudulent, and not my liability, and it is hereby illegal for the credit bureaus and creditors to report this account on my credit report because the account was not validated within the required 30-day timeframe, and so the solution to my complaint is for the credit bureaus and for the creditor to immediately delete this account from my credit report. If the creditors and credit bureaus do not do this, I have the power and the evidence to sue them and win {$10000.00} due to the illegal credit reporting acts that they have committed which continue to harm my credit worthiness and access to financial wealth-building opportunities such as loans for real estate purchases. The account was already charged off as well so the creditor does not even have the right to report information about this account since they charged off the account to a collections company. The account was also deleted from my XXXX  report as well so in order to correct the inconsistencies between the Experian, XXXX, and XXXX  credit reports, the account needs to be deleted from the Experian and XXXX  credit reports immediately. 
The information for this account listed on my credit report is : CREDITOR : XXXX XXXX ( Experian ) and XXXX XXXX-FINANCE ( XXXX ) DELAWARE, BALANCE {$0.00}, OPENED XX/XX/2012, ACCOUNT XXXX ( Experian ) / ACCOUNT 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 2017-01-20
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I have multiple loans with Navient that totaled more than {$50000.00}. I requested documentation on the loans in the past to determine if the balance is accurate. 
I did not receive the required details on each loan as requested. My loans have increased or skyrocketed in spite of me making timely payments monthly. 
I feel that my current balance is inaccurate even after paying off several of the student loans received.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-15
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2022, i send a certified mail to Portfolio Recovery Associates LLC regarding some collection account on my credit report, XXXX XXXX # XXXX, XXXX XXXX XXXX and XXXX # XXXX, that I'm not liable for this debt and i want them to provide me with the original application, Explain what this account is, who you are collecting a debt for, Provide me the address of the original creditor you use to obtain validation for this debt, Show me you calculated the alleged debt balance, Provide me the original paperwork that show I agree to pay this amount and Provide me the billing statement identifying the last date of delinquency, which identifies the status of limitation for this alleged debt. 
Portfolio Recovery Associates LLC failed to provide me all the documentation I had ask for, also I believed that they are reporting false information on my credit which had have a negative impact on my credit report. They violating my right 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 states that a consumer reporting agency can not furnish a account without my written instruction I have attach the letter I mail to them also, the letter I had received back from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-20
Company: Duvera Billing Services, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I noticed my credit report, and its and account inserted   XXXX   XXXX   XXXX   XXXX  ,  i never opened this account. This account does n't belong to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-03
Company: CITIBANK, N.A.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
On XXXX XXXX, 2016, I opened a Citigold checking account with a promotion code I had received, namely, promotion XXXX. The promotion promised an award of XXXX XXXX XXXX AAdvantage ( R ) miles upon completion of {$1000.00} in qualifying debit card purchases and one ( 1 ) or more qualifying bill payments for two ( 2 ) consecutive calendar months, with all requirements to be completed within sixty ( 60 ) days of account opening. A copy of the terms and conditions of the promotion is attached. 
After completing the requirements on XXXX XXXX, 2016, I messaged Citibank via their online secure messaging system to confirm that I was enrolled in the promotion and had met the requirements. Citibank confirmed that the requirements had been met and that I should receive my XXXX AAdvantage miles by XX/XX/2016. A copy of this communication from Citibank confirming enrollment in the promotion and completion of the requirements is attached. 
As of the date of this complaint, my AAdvantage miles have still not been rewarded, despite them having been promised by XX/XX/2016. I note that the terms and condition of the offer state that " The AAdvantage ( R ) bonus miles will be credited by Citibank to your AAdvantage ( R ) account within 90 calendar days from the date when you completed all offer requirements. '' Therefore, technically, under the terms and conditions of the promotion, the miles should have been awarded by XXXX XXXX, 2016, which is ninety ( 90 ) calendar days from the date on which the requirements were completed ( XXXX XXXX, 2016 ). 
Under the terms and conditions of the promotion, I am eligible for the promotion : I am a Citi ( R ) / AAdvantage ( R ) credit cardmember who received the promotion, I am over 18 years of age, and I had never before held a consumer checking account with Citibank.

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 2016-09-29
Company: CITIBANK, N.A.
State: MA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I opened a CitiGold Checking account in XXXX 2016 under a targeted promotion coded XXXX that was sent to me through email correspondence. The promotion awarded XXXX Thank You points for the completion of : Opening a new regular checking account in the Citigold Account package and enroll it in Citi XXXX XXXX XXXX XXXX Rewards by XXXX XXXX, 2016. 
In addition within 60 days of account opening, perform XXXX electronic bill payment through various Citibank 's payment systems each month and continue for two consecutive months. 

The account allowed credit card funding at the time and I asked to be sent a form to process the initial account funding with credit card as my husband did a month prior. I sent in the credit card funding form twice with no confirmation or processing of the funds. I called and also online chatted with Citi Representatives as to when my credit card would be processed. After multiple attempts to fund from mailed in forms and over the phone interactions I was finally told that credit card funding was no longer allowed. It was now XXXX 2016 and after enrolling in the CitiXXXX XXXX program I had n't been able to complete the other requirements of the promotion ( bill pay ) due to not having the account funded. I spoke to a representative about this dilemma and they stated that if I made bill payments in the next two months I would still receive the promotional points due to policy changes on Citi 's end that I had no power over, even though those bill payments would be outside the XXXX window requirement. I made those bill payments on XXXX and XXXX, after having opened the CitiGold account before XXXX XXXX, 2016, completing all requirements for the promotion. After waiting 90 days for the points to post to my account I escalated this issue to a Citi manager and executive department because the entire reason I opened this account in the first place was due to this targeted promotion and the reputation behind CitiGolds accounts. The Citi representatives keep saying that they will not award the points because I made the bill payments outside the promotional 60 day window, even though I received explicit confirmation that I would still be eligible due to faults on Citis end. Citi has saved/archived chat conversations and secure messages from my account that will verify that an agreement was reached for me to obtain this promotional offer. I am requesting Citi abide by their promotion and reach the resolution of awarding XXXX XXXX Points to my checking account.

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 2021-07-31
Company: AMERICAN EXPRESS COMPANY
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
An agent ( debt collector ) for American Express took money f {$580.00} XXXX from my checking account after I called him and canceled an a tentative agreement we had made. We agreed that I will call him on XX/XX/XXXX before XXXX XXXX  to accept the terms of of an agreement. On said date I called and canceled the agreement because the funds I was expecting did not arrive. The agent refused to cancel the agreement and went ahead and deposited the purported agreed upon amount which caused an overdraft in my account and resulted in an overdraft fee of {$35.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: Santander Consumer USA Holdings Inc.
State: NY
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Chrysler Capital is reporting that I am delinquent in making payments for a leased XXXX XXXXXXXX XXXX, VIN # XXXX which I leased in XX/XX/XXXX and subsequently purchased in XX/XX/XXXX. Since XX/XX/XXXX, I have been making payments to XXXX XXXX, the only lien holder listed on the title. This incorrect, derogatory information has blemished my otherwise excellent credit and is preventing me from obtaining a mortgage. 

As the dealership that I leased the vehicle from has gone out of business, I called Chrysler Capital s corporate offices on XX/XX/XXXX and XX/XX/XXXX and was transferred from department to department ( Allegiance Team, Lease Buyout Dept., Credit Dept., Platinum Services Dept., etc. ) without any resolution. My last call transfer was to XXXX XXXX, who stated that there appears to be an issue with how the dealer bought out the vehicle. He then advised that the issue will be reviewed, and I will receive a call within 24 hours. 

Since time is of the essence as Ive already made an offer on a home that was accepted ; and I did not receive that call, I again called Chrysler on XX/XX/XXXX and was informed that the Dealership whom I purchased the vehicle from underpaid Chrysler during the buyout process, and that I must pay the outstanding balance if I want this derogatory information removed from my credit report. Why should I, the consumer that made EVERY payment on time be held liable for one of Chrysler Capital 's licensed distributors error - and Chrysler 's negligence in not realizing that error at the time and accepting the " underpayment '' - that is not fair! 
NOTES : I went to the dealer location in XX/XX/XXXX and informed them that I wanted to purchase the vehicle. At the time, there was one payment remaining on the lease. When asked if I should make that payment and then purchase, the dealer rep. said No that the last payment will be rolled up into the purchase price. 

The dealer made a payment to Chrysler in the amount of {$25000.00}, which I was informed by the dealer included the 39th and final lease payment amount of {$420.00}, the purchase option ( buy out ) fee of {$350.00} and any other related taxes and fees. This supports the presumption that the buyout process was flawed, and my lease account was not, at no fault of mine, properly updated and closed out. Also listed on my account as outstanding is the disposition fee of {$390.00} which is waived if the customer purchases the vehicle ( see additional terms on lease agreement ). 

Lastly, I am in possession of a my vehicle title that shows the only lien holder as XXXX XXXX  ; why would Chrysler release a title if funds were owed?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-07-06
Company: Harris & Harris, Ltd.
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
We are Harris and Harris and we are debt collectors. Please call us at this number. 

Receive these robocalls frequently. 

I do not owe any debt to anyone.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation