BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-03
Company: Affirm Holdings, 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: Account information incorrect

Complaint:
Hello, To whom it may confer I submitted a hardship request to Affrm on XXXXXXXX advice I experience a XXXX XXXX impact which did not allow me to pay the current loan. I advise them Id make payment once my husband goes back to work in the New Year. I honored my arrangement and paid the loan in full on XX/XX/XXXX. I was reported 60 days late the beginning of XX/XX/XXXX. I immediately contacted XXXX to have this payment note deleted hence my contact and understanding of this hardship and the left my XXXX credit score account XXXXXXXX XXXX declined. This went against fair acts of my hardship request and hence needing the remark removed so my score is no longer impacted. I opened a case with XXXX and need an expeditious resolution as we are looking to buy a new home and can not move forward with this current. mishap. Affirm case XXXX case. Ive NEVER been late with payments through them and was ensure via phone the hardship placed on file will avoid any negative reporting back to credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
Company: Brightfunders, LLC
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Hello my name is XXXX XXXX, I have a mortgage on my home with Lower Mortgage. I have been paying my house during the last 10 months with a bimonthly plan, which have let me pay twice a month. There have been 2 months in which I paid 3 times. I stopped that plan and asked the bank to review to get an update on my payments and we've realized that I have paid 11 monthly quotes in 10 months. In that sense, there have been 2 extra bimonthly quotes during my payment process. Those extra payments could be considered to substitute the payment of this current month. This is shown within the attached document. 

I considered that any plan created by the bank are made in the task of assisting the customer in submitting their payments. Given that, there should not be any money disappearing or debited to any other fund. I've tried to let the bank know my desire to utilize these 2 extra bimonthly quotes towards the payment of this current month. I expected for them to contact me about the termination of this bimonthly plan to update me about the balance on the account and ask me to what would be the best use of this extra quotes.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
Company: Netspend Corporation
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Don't want a card provided by your employer or the government

Complaint:
On XX/XX/23, I received a debit card in the mail. It was in the name of someone I do not know. It was from a company called Netspend. The accompanying literature claims it is a prepaid Mastercard, but the Mastercard logo is just the red and orange dots -- no other markings. I called the XXXX number in the literature ; the representatives said, it was " just a promotional card, probably mailed to you by mistake, just cut it up. '' It looks like a real card -- not the typical cardboard mockup. 

I am concerned that they used my address, since XXXX XXXX notified me of a data breach yesterday.

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 2023-08-22
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I have had problems with my account for a while now that included overdraft fees, account fees, ect. I have had to close an account and open another one be cause of fraud and bank fees. I like to be compensated as a loyal and long time customer of Well Fargo.

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 2023-08-22
Company: CITIBANK, N.A.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/2023, I return some merchandise to Home Depot a refund was due to my credit card in the amount of {$670.00}. XXXX statements reflects no there was no refund. I am still making payments, in order to keep my credit in hood standards. I have made numerous attempts to contact Home Depot and Citi whom are the card issuers with negative results. As requested, Ive sent receipts to verify my return of the merchandise and I still have not been credited. My credit report still shows the outstanding balance which is fraudulent.

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 2023-08-22
Company: U.S. BANCORP
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I received two prepaid gift cards, one Visa ( with a {$200.00} balance ), one Mastercard ( with a {$100.00} balance ). Both were purchased from XXXX grocery store by a family member. I followed the instructions and registered my information on the cards at the listed website on XXXX. The back of both cards state that they are " issued by U.S. Bank National Association pursuant to a license from Visa, Inc. '' I tried to use the cards in early XXXX and they were declined. I then tried multiple times to use them on XX/XX/XXXX at XXXX, XXXX, XXXX, XXXX, and XXXX. Every time I tried to use them the cards were declined. I called the XXXX phone number on the back of the card, there is not an easy way to speak to a representative but I figured out that you have to hit zero multiple times to reach someone. The representatives told me that they would clear any blocks so I could use the card after an hour. I tried again that evening at XXXX and the cards were declined. I tried again on XX/XX/XXXX at XXXX, XXXX, and XXXX and the cards were once again declined. I called back and the agent said that you could not use the card on any website where the site " saves '' the card and then hung up on me. This eliminates most major retailers in the US as most websites require you to create a profile and save the card.

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 2023-08-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Started a new job and attempted to deposit my first payroll check on XX/XX/2023. Since it was after XXXX XXXX XXXX XXXX XXXX  my time ) The check was processed on XXXX  XX/XX/2023. I then received an email from Capital one Bank which states that after an indepth review the deposit may be a risk for payment default. I had to wait 5 business days for my funds to clear and they only cleared it on the XXXX XXXX because I called and begged a manager not because of any structured automated system. This put an economic strain on my life because I had to ask for a loan which I now owe with interests thanks to the arbitrary decisicion that capital one took to withhold funds on my XX/XX/2023 deposit. 
I never the less gave them the benefit of the doubt, until this past week when I deposited my XXXX check ( XX/XX/2023 ) and Now in typical fashion my funds are being held until XX/XX/2023. The problem is this bank no longer provides service of physical ATM 's where you can deposit and do your banking they refuse or wont stop the " processing '' of my check so I can then open up another bank account with a more reputible financial institution. I am pretty much being held hostage by Capital one and its putting a great decline in my mental, physical health because I can not buy any living essentials and may lose my job because even after countless phone calls I can not get any funds released. I have already spoke at length with my job 's accouting and the funds have been taken out of my jobs account, meaning capital one is ruining me instead of " Protecting '' me like they claim. I can't even get to work in my own car or order any kind of service to get to work. Im broke not because I refuse to work, no Im broke because Capital one bank wants me to be broke, malnurrished, and depressed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
Company: Netspend Corporation
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to pay a bill

Complaint:
I've contacted the credit card company several times. 
They are not allowing me access to my account. 
My purchase was declined from the website but was deducted from 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 explanation
Consumer complaint received 2023-08-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KS
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 used my information to apply from the company which is a hard inquiry on my credit which I didnt authorize that

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Fifth Third ( 53 ) Bank solicited for XXXX ( XXXXXXXX XXXX XXXX ) account by sending a mailer to my home. I opened the account and initiated a XXXX transfer on the Fifth Third ( 53 ) Bank website. 

Fifth Third made verification deposits into the my account at XXXX, I verified deposits on the Fifth Third website. Fifth Third pulled funds from XXXX. 

Fifth Third decided to close my account citing that i can not transfer funds from business account into XXXX XXXX XXXX XXXX XXXX  ) account and promised to return my funds with in 2-3 at their Branch on XXXX XXXX XXXX 

I have been trying to trace my money since XX/XX/XXXX and Fifth Third ( 53 ) Bank has not returned my money. Fifth Third ( 53 ) Bank customer service has treated my requests with vague responses without any concrete steps.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
Company: Frontline Asset Strategies, LLC
State: AZ
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: Investigation took more than 30 days

Complaint:
I opened a new account with XXXX in XX/XX/XXXX online. I received the phones via mail and attempted to activate but was unable to do so. I spent more than 20 hours online over the course of a week trying to activate the new phone but it would not set up correctly. I was then told to go to a XXXX store to set up the phone but they too were unable to properly set up the phone and was told I had to contact them online since I received the phone via mail to have it replaced. I contacted XXXX online and was told there would be a {$70.00} restocking fee to replace even though it was not any fault of my own. By this point, I had been without cell phone or service for 2 weeks and did not want to pursue this account anymore. The agreement I had with XXXX is I could cancel within 30 days with no charge which I decided to do. In XX/XX/XXXX, I received a collection notice from Frontline Asset Strategies, the company who XXXX sold my " past due '' account to. I contacted XXXX and explained the situation to which they looked into and stated I did not owe any money. In XX/XX/XXXX I received another collection notice and contacted XXXX again, this time they sent me a guarantee email stating I did not owe any money and the issue would be resolved. Then again in XX/XX/XXXX, I received a notice from Frontline Asset Strategies regarding a past due balance. Again, I contacted XXXX and was told it would be taken care of. I did see it was removed from collections and I assumed the issue resolved. I checked my credit report today and see Frontline Asset Strategies have a collections account on behalf of XXXX for {$57.00}. I contacted XXXX and explained the situation but was told in XXXX, they deemed I did owe the money for phone service back in XX/XX/XXXX. I asked how it was possible I owed money when I never even had phone service which I could use. I then asked why wasn't I notified, the " supervisor '' XXXX, ID XXXX told me the account was written off in XX/XX/XXXX which is why I was not notified. Also, since it was written off there was nothing I could so other than to contact Frontline Asset Strategies to dispute the account. I find it incredibly fraudulent they atomatically posted a balance to the account when I was told it was {$0.00} then sent it back to collections and on my credit report without any notification. I am completely disputing this on my credit report and the money which XXXX says they wrote off since I have XXXX  guarantee email stating there was a {$0.00} balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25
Company: Paypal Holdings, Inc
State: NH
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Dear PayPal Support Team, I hope this message finds you well. I am writing to express my deep concern regarding the permanent limitation placed on my PayPal account ( XXXX ). I firmly believe that this limitation is a result of a misunderstanding or error, as I am confident that I have not violated any PayPal policies or engaged in any unauthorized or suspicious activities. 

I have been an active and responsible user of PayPal for a significant period of time. Throughout this duration, I have meticulously adhered to all of PayPal 's terms of use and policies. The news of my account being permanently limited has come as a shock to me, as I genuinely can not identify any instance where I have deviated from the established guidelines. 

I kindly request PayPal to re-evaluate my case and conduct a thorough investigation into this matter. I am confident that upon review, you will find no substantiated reason to justify the permanent limitation on my account. I am earnestly appealing for the restoration of my account privileges, so I can resume using PayPal for my online transactions and financial activities without hindrance. 

In view of the above, I urge PayPal to reconsider its decision and provide me with an opportunity to rectify any misunderstandings that may have led to this unfortunate situation. I value the convenience and security that PayPal offers and would greatly appreciate the chance to continue benefiting from its services. 

Thank you for taking the time to read my appeal. I sincerely hope that PayPal will re-evaluate my case with a fair and unbiased perspective, leading to the reinstatement of my account. I look forward to a positive resolution and the chance to resume using PayPal. 

Warm regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
Company: Experian Information Solutions Inc.
State: OH
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:
The XXXX XXXX XXXX with your financial institution executed by way of signing an agreement ( Document ). As per 15 USC 6827 ( 3 ) The term document means any information in any form. I demand you Cease and Desist from disclosing my nonpublic personal information to all nonaffiliated third parties, which includes XXXX, Experian, and XXXX. The provisions of 15 USC 6801 ( a ) state it is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. Please be advised that I have not given XXXX XXXX, consent to share my nonpublic personal information and if theres a nondisclosure clause in your contract/agreement giving you that option to share my nonpublic personal information I was not informed. I ask that you show me in the same contract/agreement where I can opt out of your sharing of my nonpublic personal information. 15 USC 6802 ( B ) clearly states that A financial institution may not disclose nonpublic personal information to a nonaffiliated third party. 15 USC 6802 ( B ) 1c the consumer is given an explanation of how the consumer can exercise that nondisclosure option. In the above mentioned XXXX XXXX XXXX, without giving me the opportunity to opt out, your institution furnished my nonpublic personal information to non-affiliated third parties ( i.e XXXX, XXXX, and Experian ). With that said, your company has not only infringed my right to privacy, but also violated multiple Federal Laws. I hereby request you remove the below-mentioned information from my Consumer Report : XXXX XXXXXXXX If you accept my request, I will not escalate this matter to a Federal complaint. Thank you for your attention to this matter.

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 2023-02-23
Company: National Credit Adjusters, LLC
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: Information belongs to someone else

Complaint:
My personal information was used in identity theft I have never applied or signed for any credit cards, insurance or loans which I am disputing. I currently filed with the FTC and local police authorities both have assigned a case and file number to investigate. I discovered the information on my credit report XX/XX/2023 which I notice XXXX XXXX on my credit report for fraudulent amount XXXX I have called XXXX XXXX with no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10
Company: Experian Information Solutions Inc.
State: KS
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. The account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 

XXXX XXXX XXXX  Account number : 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 state a consumer reporting agency can not furnish a account without my written instructions.

12 U S C 1681c ( a ) ( 5 ) section states no consumer reporting agency may make any consumer reporting containing of the following items of information : Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years.

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 2023-06-07
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
Experian, XXXX and XXXX are reporting inaccurate and unlawful information on my credit report. According to 15 USC 1681 e ( b ) ; my consumer report MUST be accurate and the 3 consumer reporting agencies report do not look identical and are reporting a late payments for an account that does not belong to me, inquiries, address and name variations and employer that I did not authorize. 

Experian, XXXX and XXXX are reporting inaccurate and unlawful information on my consumer report. According to 15 USC 1681 e ( b ) ; my consumer report MUST be accurate and the 3 consumer reporting agencies do not look identical. 

XXXX XXXX XXXX XXXX REMOVE ) : XXXX XXXX DISMISSED XXXX XXXX XXXX XXXX XXXX  XXXX. THIS ITEM HAS BEEN DELETED FROM XXXX, EXPERIAN AND XXXX BUT STILLAPPEARS ON XXXX. 

XXXX XXXX XXXX REMOVE ) : XXXX XXXX XXXX. OPENED XXXX. 
INQUIRIES NOT AUTHORIZED BY ME ( REMOVE ) : XXXX  XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX DEALER. INCORRECTADDRESSES ( REMOVE ) : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX, XXXX XXXX XXXX, XXXX XXXX MY ONLY ADDRESS IS XXXX XXXX XXXX XXXX # XXXX XXXX TEXAS XXXX. 

XXXX XXXX ( REMOVE ) : XXXXXXXX XXXX XXXX XXXX XXXX XXXX 15 U.S. Code 1681e XXXX ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681a - ( 2 ) Exclusions.

( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the 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 2023-01-24
Company: Block, Inc.
State: MO
Product: Money transfer, virtual currency, or money service
Sub-product: Foreign currency exchange
Issue: Confusing or missing disclosures

Complaint:
I filed a dispute through XXXX  and XXXX. I sent money through cash app. Cash app has blocked my account which they owe me XXXX dollars that they refused to refund. I sent in XXXX on XX/XX/XXXX for some clothing items which was two pair of shoes and two outfits a dress and a sweat suit two piece. Its been a month and I havent received my merchandise. I purchased a short and pants. I returned the items for a smaller size I was sent confirmation that the company received the item on XX/XX/XXXX at XXXX ; XXXX ( XXXX ) still I have not received my item. Could you please help me get my money from XXXX and Cash app and XXXX! This is a wrong and against the law ....

Company response to consumer: Closed with explanation