BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-10
Company: Block, Inc.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On XX/XX/2022. Someone hacked my cash app account through my device that was stolen. A total of {$7000.00} was taken from my account, after that I explained to cash app that my device was stolen and its saying the Login was through Texas. I am not based in Texas. They sent me a response the very next day stating that the dispute is closed. Cash App failed to properly conduct an investigation and didnt guarantee the safety of my money. {$7000.00} was uploaded in increments of {$500.00}. I explained to cash app that if they dont cooperate I will be forced to take legal action. Once I replied they responded Your account has been found to be in violation of our Terms of Service and/or our Acceptable Use Policy, and has been closed. While you are still able to access your account and may cash out any remaining funds, all other features, including the XXXX XXXX, have been permanently disabled My account was disabled for requesting my money that was stolen because they didnt have any protocol to protect me. Cash App has conducted negligence on many levels. I asked numerous amount of times what did I violate and nobody gave me an answer. The company also went out their way to make my account negative. How do I have a negative balance for something that is their fault. They shut down my account and refuse to give me back my money. I will not pay cashapp for their wrongdoings. They also removed all of the transactions that showed they allowed someone to remove a great amount of money from my cashapp.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10
Company: EQUIFAX, INC.
State: GA
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:
Please refer to previous CFPB report number XXXX letter attached. I contacted the Credit bureau XXXX to advised that my report was inaccurate. XXXX  shows charge-off effective as of XX/XX/XXXX this account was opened in XXXX and charged off on XX/XX/XXXX as reflected in their response in this letter. All bureaus were notified along with CFPB however inaccurate information is currently being reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10
Company: CCS Financial Services, Inc.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Pursuant to my rights under the provisions of Public laws 95-109 and 99-361, known collectively as the Fair Debt Collection Practices Act ( FDCPA ) and other State and Federal Debt Collection Laws, I formally notify you to cease all communications with me regarding this alleged debt or any other alleged debts that you claim I owe. This debt does not belong to me, so cease all communication. Including any negative reporting to credit companies, as that is also communication to me through an alternate outlet.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-01
Company: Experian Information Solutions Inc.
State: KY
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I submitted documentation from XXXX XXXX XXXX of an error of reporting 30 days late in XXXX 2016 first week of XXXX 2016. The error is showing on my credit file for all XXXX 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 non-monetary relief
Consumer complaint received 2016-06-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card
Issue: Other

Complaint:
Dear Consumer Representative : Capital One Bank is sending me pre-approved application for a credit card. I 'm getting the mailings on a weekly bassis, mean while everytime I 'm being denied a credit card. Also, the director is mailing me a personal letter and never approve. I would like to know what is going on and get approved. 

Sincerely, XXXX XXXX XXXX/XXXX/2016

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-12
Company: Navient Solutions, LLC.
State: MN
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I 've have been on a rehab plan now for over 2 years. After a 3 month grace period I was supposed to be put into this program. As far as I know I 'm on it still, after NUMEROUS requests they have not sent me anything confirming I 'm in the program other than a vague letter that they are taking the money out on auto-withdraw that THEY set up and what date, I get that letter every month. The point of the program was to prevent my loan from going into default. I look at my credit report often and it not only says that " XXXX XXXX '' charged off my loan to " Navient '' when the company took over student loans, it also says my loan is over 190 days late, closed and delinquent. I 'm married with kids and I have a great job and I would like to buy a home but I ca n't with this on my credit, even if I paid off all my little other debt I 'd still not meet the requirements to get a mortgage.. I 've tried so many times to get this to work and been replaced on this program at least 3 times and never any results. In the past, after a few months they 've called me hounding me for money but this last time just silence from them for the last 2 years, I can only assume I 'm on the program since I 'm still getting the money taken out and still getting the notice of money withdraw, the notice has no phone number, I do n't even know who to call about this, in the past I 've relied on them calling me, a weird department handles my loan now and I ca n't even contact them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29
Company: WELLS FARGO & COMPANY
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
In XXXX of XXXX, I applied for Covid forbearance. It was approved for 3 months ( XXXX, XXXX, XXXX XXXX. As a teacher, my income was reduced because I was no longer able to work my summer and after-school programs, which significantly increased my income. I only exercised the option for one month. I requested that the amount be added to the end of my loan. However, Wells Fargo started reporting me as late on my loan. 
I have called several times and no one seems to understand their own program. 

As a last resort, I requested to refinance because my interest rate is 6 %, which well above the 2.0 - 3.0 % that is currently offered. They offered me HAMP, a loan modification program. The problem is they will only allow the modification terms of 30 years, so basically, I'm starting over. I have been in my home for 20 years and have no desire to start over. I requested 15 years, with no resolve. 

Wells Fargo is taking advantage of customers and their situations. They are discriminating against customers with lower credit scores, bankruptcies, and financial hardships that are through no fault of their own. 
My credit is being impacted because it has shown me late on my loan since XXXX. I would like this corrected. 

I would like my interest rate lowered to industry standards because I've been a customer for 17 years and I have shown good faith. 

I do not wish to extend my loan more than 15, as I am 13 years out from paying it off. 

Each time I've tried to seek assistance, since XXXX, I've been meet with obstacles. I've been trying to refinance my home since XXXX. I was told I was upside down. I have had a 6 % interest rate and rates have been much lower for years ; therefore, I have paid significantly more for this loan than other consumers. Wells Fargo has not actively worked with me to help me refinance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29
Company: Meridian Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This collection company, Meridian/XXXX Financial Services, held/owned four past debts, that were listed on my credit report as of XX/XX/XXXX. According to a Settlement letter that I received on XX/XX/XXXX, and the Meridian website as of XX/XX/XXXX, they showed I owed a total balance of {$3000.00}. 

A payment was made online on XX/XX/XXXX, for the full amount of {$3000.00} ( plus processing fees ), to clear up all four collection debts. Meridian provided me with a receipt for that payment. The balance on the four accounts should then have all been at zero and the accounts can/should have been removed. 

Instead, on XX/XX/XXXX Meridian/XXXX Financial Services removed two of the collection debts ( with reported dates of XX/XX/XXXX and XX/XX/XXXX ) but " updated '' the other two accounts ( with reported dates of XX/XX/XXXX and XX/XX/XXXX ) " confirming '' that I still owed the balance on these other two accounts. 

Meridian/XXXX Financial Services has not contacted me, either by telephone, email, or letter, since I made the payment to explain why they took this action nor to provide me with a " new '' billing statement for these " other two accounts '' that they supposedly verified as still outstanding. 

I contacted the original company that gave Meridian/XXXX Financial Services ( XXXX XXXX XXXX XXXX XXXX ) and they stated Meridian/XXXX  Financial Services only paid them {$2400.00} and did not pay them for the debt that occured in the 2020 year.XXXX XXXX  XXXX stated that as a result I still owed them over {$400.00} for the XXXX debt. 

The behavior of Meridian/XXXX  Financial Services is unprofessional, unethical and borders on criminal. In this time of Covid if a customer struggles, but actually makes an attempt, to clear up a collection account a business should do their part to make the customer whole again instead of trying to take advantage of them. 

Copies of the Settlement letter, payment receipts, and a list of the four past outstanding collection accounts can be provided on request.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
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:
Transunion is in violation of the fair credit. My understanding is they have 4 days to block the fraudulent items on my credit report. They have failed to do so in that time frame.

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 2020-03-11
Company: Comerica
State: MA
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: Card was charged for something you did not purchase with the card

Complaint:
Checked transactions at a time in between an old card and waiting for new one because of this suspect activity.I dont recognize any of these companies or the charges.Ive not recieved any product from any of them. Ive tried to reach out to them but i dont know who they are. The bank had 1 number to call. The phone is disconnected. bank has said i entered into 1 agreement. Wheres my product they charged me twice the same day. The bank has declined my request for refund. This is all fraudulent. 
The Bank is Direct Express The company 's that charged my card are XXXX FOR XXXX ON XXXX XXXX XXXX XXXX XXXX FOR XXXX XXXX XXXX XXXX XXXX  FOR XXXX ON. XXXX XXXX XXXX XXXX 2 CHARGES FOR XXXX AND XXXXON XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-11-05
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Experian refuses to properly report student loans with XXXX and XXXX as being paid in full, closed, in good standing, with zero balance. These loans have been discharged by the XXXX and XXXX, and I have communicated this information to Experian and provided documentary proof. Yet Experian continues to fail to properly report these loans. I am once again attaching proof.

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 2022-03-21
Company: GOLDMAN SACHS BANK USA
State: FL
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:
On XXXX 2018, GS Bank Usa., added a derogatory remark on my credit report per credit karma and XXXX. Upon further research this account was transferred/sold, and I am no longer responsible for this account. Debtors ' creditor did not verify this collection. Also, there was no written form of communication, contract, or signature for the accused debt at all. A bill without a written signature does not validate the debt and anyone can send a bill and say it's mine. According to the FCRA Enhanced GS Bank USA, has violated my rights as a consumer and I am requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29
Company: Southwest Credit Systems, L.P.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Since XX/XX/XXXX ( if recalled correctly ) have called everyday including early mornings hours XXXX XXXX  and have repeatedly called multiple times one was at XXXX XXXX  another at XXXX and XXXX and actually received a call while typing this message ( they have only left one voice mail snd do not specify why they are contacting me and what the debt is for the phone number is out of new jersey and stressed about it i have ignored many calls and had to return phone calls cause it over rode business calls so i have lost some financial revenue over this

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Money order
Issue: Lost or stolen money order

Complaint:
On XXXX XXXX 2020 I XXXX XXXX myself XXXX from my bank of America account because of my identity stolen I could get two forms of ID. XXXX held on to the money order and claim they would refund well as of today no refund has been given... I need my 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
Consumer complaint received 2022-03-19
Company: SYNCHRONY FINANCIAL
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have set up an autopayment of XXXX dollars a month for Synchrony Bank to pay down my care credit card. The reason is because the APR is insane around 29 %. However, even though I've brought up the complaint three separate times, they have not fixed it and instead keep having me pay the minimum amount to cover the credit card of around XXXX dollars and have for months. This is a huge issue as I am getting charged for interest constantly, and I should have way more of the card paid down. They simply do not care enough to fix it, and it is a bit ludicrous.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29
Company: Paypal Holdings, Inc
State: IL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
on XX/XX/2020 paypal placed a limitation on my account. they have froze my account allowing deposits buy not allowing me to access any of my money. now they are saying that my account is froze and i will not be able to remove any of my funds and that i have to wait for 180 days before i will get an email telling me how to transfer my money. and that all my bank and credit cards linked to the account can not be removed from the account. 
Just like they claim that money in pass through account is fdic insured however fdic said on the phone that they are not fdic insured

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29
Company: CITIBANK, N.A.
State: MS
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
This is a follow up to complaint number XXXX. 

On XX/XX/20 I initiated a transfer in the amount of {$8000.00} from XXXX to Citibank from the Citibank website. Citibank debited my XXXX account on XX/XX/20 ; however they were unable to credit my Citibank account. I contacted Citibank more than 15 times in an attempt to resolve the issue, detailed dates and times are available in the original complaint. Citibank 's response to my complaint was to instruct me to " work with XXXX '' to reverse the transfer, even though Citibank initiated the transfer. I did this, and the Fraud Department at XXXX reversed the transaction on XX/XX/20. 

Immediately after the transaction was reversed -- as instructed by Citibank -- I received an email that my Citibank account was now suspended. I have called Citibank once, and emailed three times trying to have my account unlocked, and I have received no response. 

This entire ordeal stinks of either gross incompetence or active retaliation by 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 explanation
Consumer complaint received 2017-02-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Credit card
Issue: Other

Complaint:
All I wanted for a resolution was to change the credit reporting to " Paid as agreed '' and please remove the " Charge Off '' from the three major credit reporting bureaus. This has impacted my FICO score and my credit worthiness. Please consider correcting this IAW Fair Debt Reporting Act. 
On XXXX XXXX, Resolution Specialist, Regulatory Complaints received my complaint filed to Consumer Financial Protection Bureau Case No. XXXX. Her research in her letter sent to me on XXXX was not accurate. The Recovery Team in XXXX stated they were not able to take any payment due on my accounts went to an outsource collection Agency were unable to identify the collection agency and recommended that I wait to hear from the collection agency. I never received any registered mail or there was no reporting of the collection agency on all three major credit reports. XXXX stated in her letter that in XXXX the accounts were placed with an outside collection agency XXXX. The accounts then were brought back internally to FIA Card Services in XXXX and the initial payment program from XXXX was reinstated. I have no documentation to verify this from Bank of America, FIA Card Services or the named XXXX. Further XXXX stated in her letter that my accounts never left Bank of America but the contradicting statement that the accounts were placed with XXXX so this validated my accounts were no longer with Bank of America or FIA Card Services! This explains why the recovery department was unable to take payment until the accounts returned full circle. I have been making monthly payments on both accounts. These accounts are being paid off and no balance owed has ever been " Charged Off '' or " Settled '' only " Paid As Agreed ''. So why am I the customer being penalized with the accounts reporting as a Charge Off which states uncollectable this is not a true statement! Please reverse the reporting to paying as agreed and this would satisfy my complaint. 

PS. Thanks for looking into this matter! I have been penalized long enough one would agree!! Not even certain if the balances owed is accurate and it has been nine very long years trying to get through this process! If I did nothing these accounts would of matured and fell off my credit report two years ago or we would of went to court but I was going about this with total honesty!

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 2019-02-06
Company: Mr. Cooper Group Inc.
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
***ATTN CFPB ***EVIDENCE ATTACHED*** CRIMINAL CORPORATE CULTURE EXPOSED *** FAILURE TO CREDIT PAYMENTS, CONSUMER FRAUD, MORTGAGE FRAUD, ILLEGAL DEMAND LETTERS, ESCROW FRAUD, MORE # 1FAILURE TO CREDIT PAYMENTS ... 
ON XX/XX/XXXX AT XXXX XXXX EASTERN TIME I MADE THE XX/XX/XXXX XX/XX/XXXX AND XX/XX/XXXX PAYMENTS ... I LATER RECEIVED A STATEMENT SHOWING MY NEXT PAYMENT IS DUE XX/XX/XXXX ( COPY ATTACHED ) # 2 MY  LOAN IS PAID AHEAD BUT I STILL GET AN ILLEGAL THREAT TO FORECLOSE ... SAYING MY LOAN IS IN DEFAULT ( COPY ATTACHED ) CONSUMER FRAUD AND MORTGAGE FRAUD # 3 I ALSO RECIEVED AN ILLEGAL DEMAND LETTER, PART OF THE TERROR TACTICS THIS COMPANY USES. IF XX/XX/XXXX AND XX/XX/XXXX WERE TRULY LATE I WOULD OWE XXXX AND A SMALL LATE FEE ... APROX {$90.00} ... INSTEAD I GET AN ILLEGAL DEMAND FOR XXXX MORE CONSUMER AND MORTGAGE FRAUD. ( COPY ATTACHED ) # 4 THIS COMPANY ROUTINELY STEALS PRINCIPAL WITHOUT CREDIT BUT THIS IS THE FIRST TIME WE HAVE PAID AHEAD AND HAD AN ILLEGAL FORECLOSURE THREAT. 

# 5 THEY ARE DOING THIS BECAUSE WE ARE FILING A LAWSUIT AGAINST THE CEO AND SEVERAL REPS PERSONALLY IN ADDITION TO THE CORPORATION.

# 6 WE HAVE AN EYEWITNESS ( THE LOAN BROKER ) THAT CONFIRMED SEVERAL VIOLATIONS OF THE TRUTH IN LENDING ACT BY XXXX XXXX. HIS NAME IS CEO XXXX XXXX @ XXXX XXXX # 6 WE ARE PAST THE DEADLINE FOR AN OUT OF COURT SETTLEMENT SO AS WE MOVE FORWARD HERE ... THIS DISGUSTING MOVE TO ILLEGALLY STEAL THIS HOME ONCE AGAIN EXPOSES THE LACK OF REGARD FOR THE LAW THIS ORGANIZATION HAS. THEY ARE LITERALLY LAWLESS. 
# 7 YOU WILL NOTICE XXXX IS DUE INSTAED OF THE XXXX THAT IS ACTUALLY DUE ... THIS IS ALSO FRAUD ... FEES FROM A FORECLOSURE THEY SAID THEY WERE NOT DOING TWO YEARS AGO ... THEY PAID PEOPLE THEY WERE NOT SUPPOSED TO LIKE INSPECTORS AND ATTORNIES ... AND BILLED US ILLEGALLY

Company response to consumer: Closed with explanation