BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-26
Company: Block, Inc.
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
We run a small local theater company. When we opened our square bank account in XX/XX/2023, we added the money that been donated to us into our account. The only transactions we made were to XXXX to pay for our website and to the rights company for our play production. After one month, we started receiving emails saying that our transactions were declined. Upon contacting support, they told us our account had been suspended, and when we asked why, they said they were unable to tell us the reason, but the funds would be released to us after 90 days. We had to use our own personal funds to make up for the money that had been donated to us from friends and family. 

90 days came and went in XXXX. The funds were not released. We tried contacting support again, they said that account services would reach out within two business days. They never did. It is now XX/XX/XXXX, almost five months after our account was closed, and we are still unable to access the funds. Square has not sent us a single email asking us to confirm anything, or giving ny information about why our account was suddenly closed. 

Upon doing research, it is clear we are far from the only people this has happened to do. Square needs to be held responsible not only for subpar customer service and not communicating with customers, but for seemingly holding small business funds hostage with no legitimate reason, and without telling us what we can do to reconcile anything. For all intents and purposes, they have stolen XXXX dollars from a theater company that was entirey funded by donations, and forced its owners who are already struggling financially to pay for this out of their own pocket.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-01
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
received a voicemail Wednesday XX/XX/XXXX at XXXX via phone number of : XXXX ( XXXX ) XXXX, stating the following : " this message contains a personal note is for we are calling to make you aware that there has been a complaint filed on your name you have an opportunity to contact the filling party and handle this on your round to stop further action they can be reached at your case number is XXXX, failure to respond will result in further action to a solution ''. 

They called again today XX/XX/XXXX XXXX from the same number advising that they could confirm my last four to my social as well as informing me I have a balance of {$790.00} due to Fifth Third Bank from XX/XX/XXXX. That I would need to make a payment today, I have two options : 3 months paying XXXX, or XXXX in full. I stated no I would like verification and was told that at this point it would be unnecessary, and I could get proof of debt once I agreed to make a payment now, or set up a [ payment plan with a card. I asked for a name and address and was told for their own protection they do not give out that information, I could have my lawyer call. I spoke with XXXX at extension XXXX. He was able to provide me with a different reference number outside of what was left on my voice mail of " XXXX ''. He asked if I was able to make an installment of {$50.00} and again biweekly until balance of {$390.00} was paid in full, advising me that I had until XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
This is the several times I've complained about being a victim of identity theft. The credit bureaus must remove any item that 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. 
XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$390.00} ; XXXX XXXX  XXXX Balance : {$670.00} ; XXXX XXXX Balance : {$390.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$3000.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2700.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$100.00}

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 2021-06-06
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX, I disputed XXXX XX/XX/XXXX transactions totaling {$220.00} via live telephone call at the conclusions of which I Was told that my account would review a provisional credit in XXXX to XXXX business days, with the credit to be subsequently either made permanent or disavowed based on the banks investigation of the disputed transactions. 

Similarly on XX/XX/XXXX, I disputed XXXX unrecognized transactions from XX/XX/XXXX for total of {$250.00}. I have yet to receive any credit to my account, provisional or otherwise. 

Based on discussions with others who bank with Wells Fargo, the bank provides immediate credit for disputed transactions, so the fact that they do not offer the same to me seems highly discriminatory.

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 2018-05-15
Company: DISCOVER BANK
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-18
Company: Paypal Holdings, Inc
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I have a frozen account with Venmo. I have made multiple calls and emails trying to find out why with no answer. I would like my money and to know why my account is frozen. It has been almost 2 weeks with no answer. I have verified my identity. The email address on file for venmo is XXXX. I no longer can access that account and the new email is XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I had a fraudulent charge of {$5.00} on my credit card. I reported this several times, being referred and transferred endlessly to various departments and nothing has been done by Bank of America. As a result, my account is delinquent, they have substantially reduced my credit limit and I have now got a negative report on my credit score. I would have simply sucked it up and paid the fraudulent charge, but I now refuse to on principle. Bank of America need to fix this and apologize.

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 2017-09-02
Company: Experian Information Solutions Inc.
State: WI
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 mailed a letter to Experian on XX/XX/XXXX requesting method of verification for accounts that are inaccurately reporting on my credit report. The companies are XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX. Experian received my letter on XX/XX/XXXX and mailed me a copy of my credit report dated XX/XX/XXXX which I received in the mail on XX/XX/XXXX. However, the credit report is not what I requested. What I requested was method of verification. Furthermore, the credit report stated that Experian contacted the companies and verified the accuracy. I never asked Experian to investigate in my most recent letter, I asked for method of verification. I requested the name, address, phone number, date and time of the person Experian spoke with to verify this inaccurate information. I also requested the name, number, department and title of the person from Experian claiming to have verified this information. According to the Fair Credit Reporting Act ( FCRA ) credit reporting agencies have to provide method of verification within 15 days of my request or the information must be deleted from my credit report. Since Experian has been unsuccessful in providing method of verification for XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX I demand these inaccurate accounts be removed from my credit report immediately. I also want an updated copy of my credit report once this has been completed.

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 2017-09-02
Company: Big Picture Loans, LLC
State: WA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
On XXXX-2017 My application for loan from Big Picture Loan accepted for a {$1200.00} They send the money, transfer on my bank checking account. I did not expect that they will deducted every two weeks for the amount of {$300.00} after they deducted 5 times from my checking accounts. I thought I already paid off because {$300.00} x 5 = {$1500.00} I called my Bank to stop deducting my payments to Big Picture Loan. 

I called them and ask how much my remaining balance pay off on my loan, they told me {$1300.00} When I signed the contract online the interest rate was excessive and usury and was not properly disclosed. The Finance charge was not disclosed, You were not allowed to read the Truth in Lending disclosure, That is, it was not visibly disclosed in the contract.

Hoping for your assistance on this matter.

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18
Company: Flagstar Bank, N.A.
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Flagstar mortgage requested a {$150.00} payment to remove my PMI. The check was cashed in XX/XX/2022. Flagstar says Fannie Mae tried to inspect my home but was " denied entry '' so they canceled my request without telling me. Fannie Mae never scheduled an inspection appointment via email or phone call, and never came to my house. I have called and emailed Flagstar three times since XXXX, and still am paying PMI with no inspection scheduled. They never refunded my {$150.00} for the inspection.

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 2020-10-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Over the last year, I have paid my debts on time and off. Last month, I inquired for a mortgage and my XXXX  report was XXXX. Since that report, I have paid off a huge collection. After paying the collection, XXXX  took my score down to XXXX. I have called them twice to find out why they punished me for paying my debt but they say that my score is based on other issues. No other issue have occurred on my report other than I have paid the collection and an auto loan that has been paid in full and is not showing paid on any bureau reports. I do not understand how I am being punished with a lower credit score after paying the debt opposed to my score increasing as other reporting bureaus have done. Please help as I am currently homeless and at this rate and the credit score game, I will never be able to afford or qualify for a home. Thank you.

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 2017-09-02
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I opened an account with BMO Harris bank under a promotion to receive a {$200.00} bonus after a maximum of 120 days. Per BMO I was to use promo code " XXXX '' which would be automatically applied and " have at least two direct deposits of any combination of a paycheck, pension payment, Social Security payment, or other government benefits payment of {$300.00} or more each electronically deposited into the account from an employer or outside agency within 90 days of opening. '' Here is my timeline of events : XXXX/XXXX/XXXX - account opened with promo code XXXX/XXXX/XXXX - deposit of {$500.00} from XXXX XXXX pension/retirement plan XXXX/XXXX/XXXX - deposit of {$500.00} from XXXX XXXX pension/retirement plan XXXX/XXXX/XXXX - closed account I closed my account after 150 days and no promotion bonus was received. I contacted customer service via echat but they advised they were unable to assist.

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 2022-07-18
Company: EQUIFAX, INC.
State: AL
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:
Equifax and XXXX are reporting inaccurate information on a childsupport case that is XXXX ( XXXX  ) years old and should not be reporting on my credit report.I would like the inaccurate information removed from my credit file.i have been denied credit for this. I have filed at least 30 disputes and nothing has changed..I also sent in a certificate payment history statement from Florida XXXX and still nothing has changed.I my FCRA reports have been repeatedly VIOLATED.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-02
Company: Remitly, Inc.
State: OR
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
REMITLY - Transfer # XXXX XXXX XXXX XXXX XX/XX/XXXX I attempted to send a small amount of money ( {$120.00} ) to my XXXX XXXX XXXX mother-in-law in the XXXX who needed it immediately for medication. She requested that I use the Remitly site to do so. I always use XXXX XXXX. I registered on the Remitly site, signed in and used my XXXX XXXX XXXX in an attempt to send the money. For some unknown reason my transfer was canceled and the money was not sent. I received an email message that my bank would NOT be charged, but upon checking with XXXX Bank, the charge was there. It has now been cancelled. I called the number that I was provided in the Remitly email and was advised that I had been cancelled and would not be allowed to send money through the site at any time in the future. I requested an explanation but for " Security '' reasons my request was denied. I asked to speak to a supervisor, and after waiting several minutes, a supervisor answered and also refused to tell me why my transfer was cancelled and again advised me that I would NEVER be allowed to use this site. I have used XXXX XXXX dozens of times to send money to the XXXX over the years, and have NEVER had a problem. My credit history is impeccable, with a greater than XXXX FICO score. I am insulted and angry at the treatment I received from Remitly, and will be doing everything in my power to have this useless money transfer site removed from doing business in the United States. Social media is a powerful tool, and I have many contacts. Thank God for a reputable site like XXXX XXXX, or my mother-in-law may have gone without the medication that she desperately needed. I also explained this to the supposed supervisor! Although there was a several hour delay in her receiving the medication, she now has it, thanks to XXXX XXXX. Not that Remitly cares at all. If she had died, I guarantee you Remitly would have cared! I also checked " CompareRemit '' https : //www.XXXX.com/XXXX/XXXX_XXXX/XXXX/XXXX// This site has hundreds of " One Star '' comments, but the Remitly site claims a rating in the " Five Star '' region! Another minor irritation was the fact that they claimed a " Free '' transfer for first time users, but when the transfer was ready to be sent, {$3.00} of the {$7.00} fee was waived buy a {$3.00} fee remained. I believe this is called FRAUD!

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 2022-07-18
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
RE : Specialized Loan Servicing Unfair practices I have a mortgage with SLS nearing the end of contract. The remaining principal balance is under {$850.00} with an escrow account balance just below {$800.00}. SLS sent an electronic statement requesting {$1400.00} due on XX/XX/2022. A payment for {$1500.00} was sent and documented by SLS as received as of XX/XX/2022. As of XX/XX/2022 this payment has not been applied to my account. Additionally, now a late fee has been added and my account is now labeled as delinquent for a payment they refuse to apply. 

When SLS was questioned to this matter they stated that I needed to get a payoff quote and send the money by certified funds or a wire transfer. The balance they are requesting according to the letter is XXXX. This is ridiculous since they have {$1500.00} right now that they are stating they are going to sent back to me. 

I will be going to the bank and sending them what they request the way the letter says. ( including the late fee and additional interest now accrued ). I just think this is ridiculous as I was just paying my mortgage as requested and now am being treated as though I am some sort of deadbeat. 

I wish to carry this complaint as far as I can. I can only imagine how difficult it must be for those struggling to pay their mortgage dealing with SLS every month.

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 2017-09-03
Company: EQUIFAX, INC.
State: GA
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:
XX/XX/2017 I reached out to XXXX XXXX XXXX XXXX concerning an improper delinquency past 30days hit my credit and decreased my score by almost 90 pts. I have spoken with three agents and a young man. No one could given me any documentation to show what is going on to support the past due amount. The company stated I had missed a payment last year in which why would you wait 8months later to contact me. The manager would never return my calls and I still have to get this resolved for my home purchase.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23
Company: EQUIFAX, INC.
State: FL
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:
FAILED TO HAVE COPY OF THE ORIGINAL CREDITORS DOCUMENTATION ON FILE TO VERIFY THAT THIS INFORMATION IS MINE AND IS CORRECT.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18
Company: Radius Global Solutions LLC
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX I went to XXXX Florida XXXX XXXX XXXX with internal pain and vomiting. I received care from the physicians, but was incapacitated - I do not remember the physicians name. I stayed for about 4 hours or so before being discharged after tests were ran and found that I had a XXXX XXXX. I gave my insurance information while I was XXXX XXXX, so it is hard to remember also, but the XXXX billed my insurance correctly. I received a letter in the mail XX/XX/XXXX that was forwarded from my mailing address from Radius Global Solutions stating that I owed XXXX XXXX XXXX XXXX XXXX in XXXX XXXX for $ XXXXThis claim is not on my insurance claims - my primary insurance company has no record of this being processed. I only received one claim from that visit, from the hospital themselves, and none from the physicians from my end. I called my insurance provider and we walked through the issue with the hospital, who had both claims on file ( the hospital bill and the physicans bill ) and said both amounts were paid in full. The hospital processed my bill against my insurance, but the physicans did not use the information I gave them and must've found a separate insurance under my parents since i'm young and processed it through there- the debt collection agency is stating that the bill DID go to insurance, I just have no way to confirm if this is true since they did not bill the insurance I gave them. Additionally, the hospital states both bills were paid off so i'm unaware as to how I still owe any money.

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