BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-17
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
After reviewing my credit report I discovered fraudulent accounts and inquiries opened in my name. 

The following Inquiries were not done by me. 

XXXX Bank XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX bank XX/XX/XXXX The following accounts were not done by me. 

XXXX XXXX, XXXX account number XXXX {$310.00} XXXX Account number XXXX {$360.00} XXXX XXXX Account number XXXX {$710.00} XXXX XXXX Account number XXXX {$81.00} XXXX XXXX  Account number XXXX {$380.00} XXXX Account number XXXX {$20000.00} {$14000.00}

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 2019-11-24
Company: CITIBANK, N.A.
State: CA
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:
Applied for Citi AAdvantage Card for the mileage promotion online. I never agreed to online only statements. I never received a paper statement and never rec vied any notification of any statements until apparently my account was in a past due state. I called the bank to resolve the situation and was told there system would not allow them to reverse late fees. I paid the balance in full once I was informed WHAT THE BALANCE was. Confirmed that they should be sending paper statements going forward. But it was obvious that the workflow was designed to make it impossible to to " opt-in '' to paper statements a practice which appears to be purposeful to create late fee charges and punitive interest charges. Amazing that this is still allowed after massive bank bailouts ( especially Citi ) and passage of legislation creating the CFPB. Do your jobs regulators.

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 2016-12-15
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have made a qualified written request recently to my bank and they failed to audit my loan. In response to my written request they stopped taking the mortgage payment via their " bill payer '' automatic payment system then wrote and told me the payment is due XX/XX/XXXX. It was paid today but I have no idea why they stopped taking the payment on their autopay system. I have asked Fifth Third Bank to audit my first mortgage and other old accounts but, they wo n't. My current mortgage account is still being over charged by at least XXXX per month and they admit they overcharged my account XXXX but they wo n't explain why they took XXXX from my bank without my consent in XXXX or why they overcharged me XXXX. The problem is they wo n't refund anything nor will they explain why I am paying to much each month. I know this will l happen again and I ca n't tolerate this equity skimming any longer. I have never missed my XXXX monthly mortgage payment yet, when I try to resolve it on my own, I get treated with disrespect. Please help, I am a senior citizen and I need my mortgage corrected at once.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21
Company: Block, Inc.
State: WA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Square deactivated my account providing no reasoning and is now holding tens of thousands of dollars from my small business for several months.

I opened an account with Square on XX/XX/22. I spent several hours setting up the account, verified my bank account, and began using it to process invoice payments for my customers. 

On XX/XX/22 I received a notice from Square stating my Deposits were Suspended and while they would still allow customers to pay the outstanding and new invoices they wouldnt be depositing the funds to my bank account. The email instructed me to go into my Square Dashboard and complete an account confirmation form but there was no form available on my dashboard. A few days later I received another notification email but still there was no form available to complete. 

On XX/XX/22, I reached out to the Square support team to ask how I could complete the form per the emailed instructions that were inaccurate. The representative asked me to send the form responses directly to her via email. I sent her the responses to the questions. I didnt hear anything back for a week ( XX/XX/22 ) so I emailed the representative who responded 4 days later ( XX/XX/22 ) and asked me to complete the form a second time, so I did. 

All this time I was invoicing customers and receiving payments to my Square account but they werent being deposited to my bank account. I thought it would be okay, because surely there was some misunderstanding that would be cleared up with the responses I provided in their form. 

On XX/XX/22, I received a template email stating that my account had been deactivated but was provided no explanation for why the decision was made. Whats worse, the email said that the funds in my account would not be released to me for 90 days. To this point I had received tens of thousands of dollars in my Square account from my customers and now Square will be holding those funds for 3 months from my small business that is dependent on cash flows.

I followed up with Square support multiple times but no one has been able to provide any explanation for why the account was deactivated. They simply provide a generic response : After a comprehensive review of your account, we have determined that we are still unable to process payments for your business. Our decision to deactivate your account is final. 

If they had an issue with the responses I submitted to the form, why didnt ask the form questions that led to my account being deactivated when I was signed up for my account in the first place? That would have saved me from ever having to go through this. Im also baffled at how they can hold money from a small business without providing any explanation as to why.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-08
Company: Freedom Mortgage Company
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
When I pay extra money towards my principal balance, Freedom Mortgage posts my regular monthly payment XXXX, they deduct what I owe to interest, then the principal amount from my regular payment, then on a separate entry they will enter whatever amount I paid extra towards my principal payment. Well after they deduct this extra principal I pay, they then post the TOTAL OUTSTANDING BALANCE with the regular monthly interest they deducted on the regular payment back into my amount owed. This month is was {$330.00} added to my total due instead of it being deducted. Plus every year they transfer my loan from one lender to the next and I have to either agree with the balance they say I owe or dispute it. I disputed it because of their failure to post payments correctly. They sent me several documents of my payment history, but not all of it as I requested. There are months missing. I need to know if there is someone I can hire to audit my account and get the files. They transfer the mortgage from their sister companies every single year so far. Just to make sure they keep skimming off the payments when people do n't notice they total your money back into the balance as if you did n't pay it at all. Just a little at a time so it is n't noticeable. Customer service is n't helpful, phone calls are time consuming, their website is hard to look at each payment due to the way they post the payments. XXXX/XXXX/XXXX Payment Received {$22000.00} Detail XXXX/XXXX/XXXX Principal Payment Reversal ( {$22000.00} ) Detail XXXX/XXXX/XXXX Payment Received {$22000.00} Detail XXXX/XXXX/XXXX Payment Received {$860.00} Detail XXXX/XXXX/XXXX Payment Received {$21000.00} Detail XXXX/XXXX/XXXX Payment Received {$860.00} Detail XXXX/XXXX/XXXX Payment Received {$860.00} Detail XXXX/XXXX/XXXX Principal Payment {$39.00} Detail XXXX/XXXX/XXXX Payment Received {$860.00} Detail XXXX/XXXX/XXXX Payment Received {$40.00} Detail XXXX/XXXX/XXXX Payment Received {$860.00} If I pay {$22000.00} towards the principal balance, then the balance should be that exact amount subtracted from the prior months balance. Instead they added {$330.00} into my final balance. I want the entire account analyzed due to the fact that every penny we earn from our jobs goes towards this loan. They are thieves. I HATE THIS COMPANY AND WANT OUT OF IT! I want to find a bank that is honest and do n't try to steal from hard working people who actually try to pay their bills off.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17
Company: Experian Information Solutions Inc.
State: WA
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 have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit 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 non-monetary relief
Consumer complaint received 2022-06-17
Company: Experian Information Solutions Inc.
State: NY
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 my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/2003 Balance : {$10000.00}. 

In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law.

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 2017-07-19
Company: WAKEFIELD & ASSOCIATES, INC.
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I received a summons to court for a medical bill that was past due. I had never been contacted by the company prior to them filing a judgment. Once I was aware that the accounts were placed in collections, I attempted to make payment arrangements and was notified that they are charging me interest and attorney fees and court costs. I am willing to pay the debt, but at the original amount. I want to know when they the Initial Demand Letter was sent and where it was sent because the representative XXXX XXXX said she could not tell me because there collection agency did not send it another agency did. They made no effort to fairly collect on this debt before pursuing judgment.

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 2016-11-22
Company: Freedom Mortgage Company
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My escrow was calculated for the new payment. The bank estimated my local taxes at an apporximate 20 % rate hike ( no one can tell me how they came up with that formula ). I spoke with the XXXX in mid XX/XX/XXXX questioning this and alerting them that my taxes will indeed drop from the previious period due to several factors afforded residents in XXXX. I was told to email the final tax bill to them which I did on XX/XX/2016. My tax bill has acually been REDUCED by approximately $ XXXX from the previous year XXXX not the 20 % increase they projected XXXX. To date there is no update on my escrow recalculation or new payment which is due XX/XX/XXXX. I spoke with XXXX yesterday and although they have received all my documentation they have no time frame on when they will adjust my escrow. I left a message with the " supervisor '' and she has negleted to return my call. As it stands right now, beginning XX/XX/XXXX I will be overcharged approx {$300.00} a month with no time frame as to when that will be corrected.

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 2021-02-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX, Calif. XXXX XX/XX/2020 Capital One / XXXX XXXX # XXXX I am enclosing a copy of my letter to Capital One, dated XX/XX/2020. Please re read the letter, it is my response to your request for payment. 
You have sent me a dumbed down response ( Letter ID XXXX ) requesting a Bring me current payment of {$420.00}. You closed the account after I paid you {$550.00} on XX/XX/2020, my balance at that point was about {$2700.00}. You then added 4 months of interest after you closed the card. All of this activity by Capital One was during the 2020 Pandemic and the introduction of Cares Act. No more payments will be made until a realistic response to my XX/XX/2020 letter is addressed. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-17
Company: EQUIFAX, INC.
State: WA
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 have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-24
Company: EQUIFAX, INC.
State: GA
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:
I am a 30 year veteran of the XXXX XXXX. I am XXXX XXXX XXXX and the lack of respect and lack of assistance have taken its toll on me mentally and physically! I was a victim of identity theft from 2017 Equifax breach, DoD Email Breach, XXXX XXXX XXXX breach. I have reached out to all 3 bureaus and submitted police report ( s ). I have also paid for each credit monitoring service. There have been numerous inquiries and actual theft of my debit and visa cards that I have been dealing with over the last 2 1/2 years! I have placed fraud alerts and frozen my accounts. However, I am in the process of buying a home and my accounts have been unfrozen. I am appalled at the Treatment of US Veterans!  BLUF the bureaus have refused to follow the Law!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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 have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit 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 non-monetary relief
Consumer complaint received 2022-02-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
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:
My elderly parents aged XXXX and XXXX bought airline tickets at XXXX XXXX XXXX XX/XX/XXXX XXXX using my BoA credit card. Due to Pandemic Flight Operational challenges, the XXXX airlines rescheduled flight without our approval.The flight was later on canceled.XXXX offered full refund of {$1300.00} but we are only refunded {$240.00} I was told to wait for 5 months byXXXX but never got remaining amount .They advised me to file refund at XXXX XXXX XXXX which never responded as to when remaining amount of {$1100.00} will be given. I have sent countless ( >20 emails and calls ) but all attempts were unsuccessful. I reached out to BOA XXXX credit card on XX/XX/2021 but my claim was denied. My parents are old and put their only remaining cash on the purchase of the tickets to see family in the XXXX. Their pleas to be get the remaining amount was ignored by Bank of America and XXXX XXXX. I selected Bank of America Credit card in the hopes that when disputes like this happens, we will be helped and protected from dishonest business and protect consumers from being taken advantage of. We also selected XXXX  because they are Flag carrier for XXXX  here in America. We thought they will care more for their people.We are so desperate to seek for help .I have all documents if you need me to submit them .Please help us .Thank you and God Bless! 
Passenger 1 : XXXX XXXX XXXX XXXX Booking Reference : XXXX Ticket XXXX Passenger 2 : XXXX XXXX Booking Reference : XXXX Ticket XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21
Company: Eastern Account Systems of Connecticut, Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This is not an inquiry it's a complaint. First, one of Eastern Account System 's employees XXXX XXXX has been unethical concerning a debt collection activity. Eastern Account Systems claims that I owe {$370.00} based on an account that I previously had with Wow cable. I paid Wow cable directly on XX/XX/2022. On this same day, I spoke with XXXX XXXX ( XXXX ) who acknowledged that I had paid the debt and told me to send the paperwork/receipt of payment via Wow and it would be taken care of. She said nothing of extra communication with Wow or anything that would've made me think there was anything else that needed to be done. Today, I call Eastern Account Systems and their epresentatives are still trying to collect a debt that I do not owe? I was told that Wow needed to send the paperwork over and that they had not done that. Well, I spoke with Wow today, they said they have sent the information that is needed. This is all unethical behavior and this account needs to be closed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-28
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
I have a mortgage with fifth third. I have never missed a timely payment. They are listing me as late for a month and reported it a negative on my credit report. They failed to apply a payment so it was not my fault. I have tried to work through the issue with them without any success. I recall receiving a letter from them that they had mis-reported the payment but I can not find that letter. It is wrong for them to report me as negative and I am requesting that they report it correctly. Attached find the payment history. Apparently the bank decided to increase the escrow. I did not recall receiving any notice of the increase. I paid the XXXX amount ( see attached bank statement check XXXX ). The payment history shows that as unapplied even though I paid the mortgage and interest. It is wrong for them to report me late when I paid on time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-13
Company: GOLDMAN SACHS BANK USA
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
XX/XX/XXXX, I applied for an Apple Card as they offer 6 % cash back if I purchase something from Apple Store. And my application was approved. 

XX/XX/XXXX, Got a missed call from a Apple Card Specialist. 
My account was restricted and I couldnt use it. I tried to call back, the specialist told me my account is under review and someone will contact me once review completed. 

XX/XX/XXXX, No one contacted me. I called Apple Card customer service again and I got the same answer. My account is still under review for no reason. I missed the 6 % cash back offer. 

XX/XX/XXXX - XXXX XXXX, I have texted and called Apple Card Customer Service more than 20 times. They always gave me the same answer like a robot even hang up my phone sometimes. No one can give me solutions or reason why my account was restricted. I have never seen such ridiculous customer service before.

Company response to consumer: Closed with explanation