BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-26
Company: Block, Inc.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
On XX/XX/XXXX I had mail from Square , Inc. It was another business debit card that I did not want or request. Today I called and went onto their website to work on getting the account closed, but they have work hours that don't match my life, so I will have to try again tomorrow. 

Once again I do not know who opened this account, what the business name or purpose is, and if any or how much financial activity has occurred on this account. 

What I want is for this to stop! I want this account closed. I would also like any information about this fraudulent account forwarded to the XXXX XXXX Sheriff 's Office in XXXX, Georgia under case number XXXX. 

I have checked my XXXX report again and no request or inquiry from Square is there, so I would also like for them to find a way of verifying applicant identification when creating new accounts. If my credit were run they would have notice the fraud alerts and credit freezes. Had they run the XXXXXXXX XXXX  report I would be fighting with them to have some from of alert system added to my account. As it is I am spending more time, yet again, on this!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26
Company: Aldous & Associates, PLLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have been called repeatedly about this debt from a law firm Aldous & Associates. It has been nonstop harassment. I have been receiving calls frequently at varying times, causing a great disturbance to my daily life. They have continued to contact me repeatedly and leave voicemails after I have already spoken to them over the phone. They refused to set up a payment plan and said to call back when I am able to pay. I dont agree that I owe the debt because it was a fee tact on by a former residential community, after I fulfilled all rents due. I was going to pay to have them stop harassing me, but even after I spoke with them and told them I would call back when I have the money and told them that I didnt need to be contacted further until I was ready to call back they continued with the harassing calls. This has given me great anxiety anytime the phone rings. Im also wary about potential legal action from this law firm because they are frequently calling.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-30
Company: LoanCare, LLC
State: WA
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:
On XX/XX/XXXX our mortgage account with Loan Care was brought current through XX/XX/XXXX with a {$15000.00} payment. On XX/XX/XXXX another payment of {$1600.00} was made and received to bring our account current through XX/XX/XXXX. 

The Mortgage company and all three credit reporting agencies XXXX XXXX, XXXX XXXX, XXXX  XXXX are showing XX/XX/XXXX as 180+ days past due. This is incorrect. I have attempted multiple times to dispute this information and to have the account updated to reflect the actual payment history to be current in XX/XX/XXXX. 

The unwillingness to correct their records is keeping me from being approved for a loan.

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 2016-12-07
Company: Big Picture Loans, LLC
State: OH
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
I have a loan with Big Picture Loans. They have charged exorbitant fees - much higher than I would have expected. Every payment except for the {$25.00} on my last payment ( payment # XXXX ) has gone to interest. It is nearly impossible to pay this balance down due to high {$350.00} bi-weekly fee required in the beginning of this loan. The interest on the loan is predatory - at an interest rate of 1014.55 %. This is insane. If I pay only the required payments, I would be required to pay $ XXXX for a loan of {$1000.00}. I have already paid twice the value of the money I borrowed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-24
Company: TD BANK US HOLDING COMPANY
State: CT
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
XXXX XXXX i received a charge on my account form XXXX ( furniture rental ) for XXXX that was not valid. i filed a dispute that they stated would take up to 10 business days. they came stating i needed to provide documentation that this charge was not valid. but did not ask the vendor to provide documentation that it was.!!! of course they bounced everything in the account that would have been more than covered if the unauthorized charge was not there! the manager at the branch allowed me to withdraw cash pending dispute resolution which i appreciated or else i would not have been able to buy gas or food .. when i called about it i was hung up on by a rude rep who got upset when i asked to speak to a supervisor. This dispute is not being handled correctly or fairly because the bank does not want to refund XXXX in fees. 
then on XXXX/XXXX/15 and XXXX/XXXX/15 i was charged XXXX in fees because of the way the bank posted the payments they bounced out charges for XXXX XXXX XXXX and XXXX to be able to charge the XXXX per day max -- then did it again on XX/XX/XXXX i spoke to a supervisor on XXXX/XXXX/15 who told me the the end of the business day is XXXX so slot of what they charged me fees for technically posted before the end of friday 's business day!!!! the way they handled those fees was underhanded! i asked for documentation for the charges to dispute the fees and was met with resistance. i want documentation about those charges and posting since i am not ok with paying XXXX in additional fees when at most i should have paid XXXX possibly XXXX. Also when i filed a dispute the last time i had a problem with the bank i was told each office has a budget for fee refunds and it took almost 2 weeks to get the refunds i was due since they has to go to other offices who had more money in their budgets for fees.!!!!!!!!!!!!!!!!!!! that is absolutely ridiculous if the bank is wrong and a refund is owed then pay it!!!!!!!!!!!!!!!!!!!! they should not be able to limit how many funds they refund if the BANK IS IN THE WRONG!!!!!!!!!!!!!! i would also like to know the legality of that policy as well. i want the dispute handled the correct way

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26
Company: Aldridge Pite, LLP
State: AK
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Clear Recon Corp filed on XX/XX/XXXX a non judicial notice of default and sale on my home with a 10 years old stated default date on XX/XX/XXXX, years time-barred past the Alaska statute of limitations on mortgages.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23
Company: Winklevoss Exchange LLC
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
GEMINI TRUST COMPANY , LLC MAINTAINED CUSTODY OF HUNDREDS OF SELF-DIRECTED IRA ACCOUNTS FROM WHICH GEMINI ALLOWED A HACKER TO ILLEGALLY TRANSFER APPROXIMATELY {>= $1,000,000} IN CRYPTO TO A SINGLE, UNRELATED ACCOUNT. GEMINI THEN ALLOWED THE HACKER TO REMOVE ALL OF THIS CRYPTO FROM GEMINI 'S EXCHANGE AND TRANSFER IT TO A " TORNADO, '' WHERE THE STOLEN CRYPTO HAS NOW BECOME IMPOSSIBLE TO TRACK AND RECOVER. GEMINI PROMISED ITS ACCOUNT HOLDERS THAT IT WOULD IMPLEMENT TWO-FACTOR AUTHENTICATION FOR ANY WITHDRAWALS, AND YET GEMINI ALLOWED THE ILLEGAL TRANSFERS TO OCCUR W/OUT DOING SO, AND WITHOUT PROVIDING ANY NOTICE TO ACCT HOLDERS THAT THE TRANSFERS WERE OCCURRING. GEMINI ALSO AVOWED TO ITS CUSTOMERS THAT ALL CRYPTO STORED ON ITS EXCHANGED IS FULLY INSURED, AND YET GEMINI HAS FAILED TO COVER THE LOST CRYPTO.

THE THEFT OCCURRED, IN SIGNIFICANT PART, DUE TO GEMINI 'S USE OF AN IMPROPER API NOT SUITABLE FOR IRA ACCOUNTS THAT ALLOWED IMPROPER ACCESS TO THE CUSTODIED ASSETS. THE THEFT AMOUNTED TO AN IMPROPER MONEY-LAUNDERING SCHEME , IN VIOLATION OF FEDERAL AND NEW YORK STATE LAW. 

GREATER DETAILS REGARDING GEMINI 'S DEFICIENCIES ARE SET FORTH IN THE ATTACHED COMPLAINTS FILED WITH THE NY XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-27
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
despite my inquiries your company has reinserted accounts previously deleted and unverifiable. I am demanding the deletion of the accounts bellow XXXX XXXX Status Closed Balance {$790.00} Type Collection Payment Status Late XXXX XXXX Status Closed Balance {$870.00} Type Credit Card Payment Status Late XXXX XXXX XXXX Status Closed Balance {$830.00} Type Collection Payment Status Late

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 2022-05-26
Company: Simpson Law Firm, P.A.
State: MS
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I received a garnishment taken from my paycheck in the amount of {$390.00} to an old account from back in XXXX. I contacted the loca company, which sent me to the cooperate office & was told I wasnt in their system as owing them anything but to contact their partner which was a law firm. After speaking with the law firm I was told that I would be reached & wasnt. Ive made several calls & emails to the company. I had a total garnishment of {$1600.00} which I have documentation of it being paid which includes the attorney fees, court cost as well as the total amount from the company. After I kept calling the loan company neither of our payments added. Ive written the home office & went to the local office which had made calls on my behalf & gave me a number & extension of who to speak to. Well after finally speaking with him I was told that Im paying 35.75 % interest on the garnishment which was paid out in XXXX. I went to our local courthouse who re-opened the case back in XX/XX/XXXX because the law firm seems to be saying to them the debt wasnt settled.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I sent TransUnion a certified letter XX/XX/XXXX. I have not received any response, yet they have updated the comments on my credit report as " dispute resolved, customer disagrees ''. 

First off- there was no investigation done. Had there been an investigation, I would have been notified and they would have corrected the issue on my dispute letter. 

They are reporting this account and the account is an expired debt- Which is is paid and closed. 
There are multiple FCRA Violations - 1 ) they are reporting a closed account with a two year history of over 7 years old- this needs to be removed. 2 ) they are reporting the payment status as " late 120 days '' - REMOVE this its paid and closed. 3 ) They have a " last payment date '' as XX/XX/XXXX, however they are reporting on time payments in XXXX and XXXX. 
This account is OUTDATED, INCOMPLETE and INACCURATE. 
And they lied and marked the account as " Dispute resolved " when they did not do any investigation.

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 2015-10-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
Attempting to reduce my monthly payment with BOA for XXXX. Have been denied for too much income, insufficient income, or product is not eligible. Will not allow my son to sign with me because he does not live with me. They approved be for a short sale or foreclosure. Not an avenue that I want to explore. I have never been late on my payment. 
They are now going me to see if I will be able to make the payment or should they start foreclosure. BOA rep indicated she will be going me monthly prior to my payment to check if I will be able to make my payment, harassment comes to mind. 
Lastly, they will not give supervisor 's number that will accept cell phone calls and will not provide office addresses. Both of these items are required by the legal community to join a class action suit or to begin an individual suit. 
Looking to you for guidance.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
What happened on XX/XX/2022, was that I fell for a death threat scam in which I got really scared to the point I send them XXXX through 6 XXXX transactions. On the same day this was happening, I called 911 and file a police report to an officer in person and show him the numbers of the person that was calling me and the text messages and XXXX transactions that took place. The Police confirm that these were scammers and were from different countries using fake numbers. The next day on XX/XX/XXXX I reached out to both XXXX and Chase and filed a claim on those 6 XXXX  transactions, however both companies refuse to comply with my claims and close it the same day on XX/XX/XXXX. They refuse to do it because they say I authorize it and its your fault because you confirm these payments. However I confirm these payments under fear and acting instead of thinking on my part. On XX/XX/XXXX, I went a local Chase bank and the lady there fax my police report to them. Till then as of XX/XX/XXXX, I have not recieve a call or text messages about these claims, which is why I reach out to you guys as of right now. Both numbers start with XXXX and XXXX. However I blocked and ended up automatically deleting their text messages they send me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I called Experian after I purchased a credit report from Experian.com on XX/XX/2022. After receiving a copy of my report, I saw these UNVERIFIABLE accounts on my personal profile, I noticed that there were Accounts : XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX on my credit report which are UNKNOWN to me. This is disappointing because I have been paying Experian.com to get a report every month and I have been disputing fraud accounts on my credit report all this time. One of the staff told me to visit https : //www.ftc.gov/ and Report the Fraudulent accounts and have them BLOCKED OR REMOVED from my credit file. Ive attached a copy of the identity theft report ( FTC report # : XXXX ), and guess what I found? Per Fair Credit Reporting Act Section 605B ( a ) the credit bureaus are required to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

A copy of my XXXX Bill, drivers license, and Social Security Number are all included in this complaint. I want you to know that I am telling the truth and by Experian not blocking these accounts is inadvertently resulting in me being extorted.

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 2020-12-30
Company: BARCLAYS BANK DELAWARE
State: OH
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 have been charged a pre-payment penalty on a Barclay 's credit card that has been disguised as a " late fee. '' On XX/XX/2020, I made a payment of {$150.00} for the statement period ending XX/XX/2020. On XX/XX/2020, I made a payment of {$100.00} for the statement period ending XX/XX/2020. On XX/XX/2020, I was assessed a " Late Payment Fee '' in the amount of {$29.00}. On XX/XX/2020, I made a payment of {$250.00} for the statement period ending XX/XX/2020. I was then assessed an additional late fee of {$29.00} on XX/XX/2020. 

Per my credit card agreement, there are no stipulations for pre-payment penalties. After trying to resolve this with the company both through online communication and via telephone, Barclay 's has refused to correct their error and issue a refund.

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 2022-05-26
Company: AMERICAN EXPRESS COMPANY
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: Information belongs to someone else

Complaint:
I was checking my credit report about back in XXXX of 2021 and noticed that there was an open account with American Express and showed authorized user, which is an account I had no knowledge of. I only have one credit card account. On my report it shows that it had a current ongoing balance of around {$11000.00}. I would like to have this account removed from my credit report as this is not my account and I believe its possibly fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XXXX XXXX, 2020, we charged a hotel reservation @ {$580.00}, non-cancellable, for travel to XXXX  in early XXXX. It was charged to our CapitalOne Visa credit card, through XXXX. The XXXX offered us a credit for a later use within a very limited time. We rejected the offer because 1 ) we chose to do so and it was not required of us by the contract, 2 ) we are XXXX years old with health conditions and are susceptible to a life threatening response to viral exposure, and 3 ) my wife has developed a XXXX XXXX and can no longer travel abroad. 

Prior to the payment due date, we advised CapitalOne that we were not paying because all hotels in XXXX  were closed by the government because of the pandemic ; the vendor was therefore unable to provide the services for which we were charged. CapitalOne initially removed the charge and contacted the vendor, who advised that they made a credit offer to us. CapitalOne therefore re-charged us despite the fact that we can not use it and have no contractual obligation to accept it. 

We have advised them that we do not have to pay for something that the vendor could not provide per the contract. The non-cancellable contract was between two parties and the hotel/vendor defaulted, regardless of the fact that they had no other option, just as we had no option to travel there at the time and can not do so now or hereafter. 

CapitalOne has refused to remove the charge and has since charged us interest charges and now has begun monthly late payment fees. I was advised by phone onXX/XX/XXXX by the representatives of CapitalOne that they are sympathetic to our situation and are sorry, but the company [ CapitalOne ] policy under the pandemic requires acceptance of an offer for a credit for later use. 

I asked about dispute arbitration and broached the idea of a settlement. I was advised they do not use an arbitrator and do not settle : Have a nice day. 

The dispute is no longer with the vendor, but with CapitalOne about a policy that they chose on their own to put into effect at the onset of the pandemic without notice to their customers, regardless of the illegitimacy of such charges as in this situation. This is not misbehavior by an individual vendor, it is predatory misbehavior by a major bank and credit card company. We need it to be resolved but they advise that the case is closed. I have retained all correspondence, which was primarily in writing per their policies. All other legitimate charges were paid and our account with CapitalOne was closed as a result of their irrational and unethical intransigence. 

We therefore have no option other than to lodge a consumer complaint and request your assistance. 


XXXX XXXX cc : XXXX XXXX XXXX, XXXX, CapitalOne Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-03
Company: Big Picture Loans, LLC
State: VA
Product: Payday loan
Issue: Can't stop charges to bank account

Complaint:
I submitted request to stop ACH transactions from my account on XXXX XXXX, 2015 and XXXX XXXX, 2015 to the customer service departmentdepartment and ACH department of Castle Payday per the directions on the loan application. On XXXX/XXXX/2015 they performed a debit on my account. When I called customer service they stated they did n't receive it first, then they said they received it " today '' ( XXXX/XXXX/15 ) which not adequate time to process. When I explained that I sent multiple correspondence to multiple customer service accounts, they had a " supervisor '' call back to investigate the matter. On XXXX/XXXX/15 they called me to say that they did receive the information, but their department was delayed in processing the request. I advised them that I can not be penalized for their error. They then stated that records indicated that they did have it, after I threatened action against them by filing a complaint with my bank. They stated that they will refund the bank after contacting my bank to review the transaction history, to see if I incurred any overdraft fees, and to see what transactions I had on my account. I submitted them a ledger of my account showing the transaction and advised them they do not have to contact my bank for my personal financial information and they are only obligated to see their transaction summary. They have not reversed the funds. I will be filing an Affidavit with XXXX XXXX. 


Bank info : XXXX XXXX, Virginia

Company response to consumer: Closed with explanation