BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-20
Company: Square Inc
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Someone broke into my XXXX XXXX XXXX Square XXXX inc. ) account using caller ID spoofing to pose as square cash security notifications. 

A transaction to XXXX was placed for {$410.00} through my square cash card on XX/XX/XXXX. I disabled my card, reported it stolen, and contacted both XXXX and cash support. XXXX couldn't help me because I didn't have an account number for them to identify the transaction through. 

This first transaction stayed in " pending '' for a week. 

The next morning, hours after I disabled my square account card and reported it stolen in their app, another transaction for {$410.00} went through to XXXX, immediately bypassing the " pending '' stage. Placing my account balance at- {$410.00}. 

Some time around XX/XX/XXXX, the first transaction was returned to me, alongside funds from another smaller transaction I didn't make a dispute for. Square XXXX support took this action without requesting any information from me. 

But now, square is refusing to do anything about the second transaction. Despite me providing all the information they ask for ( including the reports I filled with the FBI and FTC ), they refuse to acknowledge that I have provided any information at all and continue to state that they will close my case if I don't provide " the requested information ''. They refuse to answer the question of " what did I not send? '' But what's truly suspicious is the fact that square cash isn't even acknowledging that the first transaction occurred, and was then returned to me. I would think the refund of half the stolen money would imply the refund of all the stolen money, so I think they are attempting to lie about what has occurred. 

They erased all record of it from my account transaction log. The refund has been erased, too. I have chat logs of customer service agents directly referencing this transaction ( date and time ) that has disappeared from my account record.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-16
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: MI
Product: Debt collection
Sub-product: Payday loan
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint:
Recieved a telephone call ( voice mail ) stating that they have attempted to send a summons to our home regarding an upcoming court date. Failure to respond could result in a bench warrant ( I have the audio of the voice message saved ). 

On calling the number given XXXX They claim to be the XXXX and this is in reference to a debt from XX/XX/XXXX with XXXX ( XXXX ). They stated the account was charged off in XX/XX/XXXX and then further claim I made single payment in XX/XX/XXXX ( which i did not ) This is obvious reaging of a deb and an illegal attempt to collect.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10
Company: WELLS FARGO & COMPANY
State: UT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
On XX/XX/2020, I applied for a new credit card with Wells Fargo under my name. We got the new credit card ( along with the letter ) in the mail a couple weeks later, but it was missing the envelope. It felt like someone had taken it out of the envelope, taken note of the credit card number/expiration date/etc., and just put it back in our mailbox hoping nobody would notice, and just discarded the envelope. Someone could easily have gotten my credit card number by unfolding the letter, peeling the credit card off the sticky, and putting it back on the sticky spot. 

We called Wells Fargo and told them what happened, and they cancelled the card and expedited us a new one, overnight delivery. The new card was in an overnight delivery ( large ) envelope that requires ripping open in order to get to it ( very secure ) ; however, the envelope housing the credit card letter was not sealed at all. But we figured that was okay because the unsealed envelope was in another larger, sealed envelope. 

We filed a complaint with the United States Postal Service and they launched an investigation to see if maybe the mail deliverer opened the mail to get the credit card info and then just discarded the envelope. The investigation came back negative ; they don't know for sure, but nobody else had this issue on our postal route, so it was unlikely that the carrier had anything to do with it. 

However, we got the rest of the letter in the mail today, XX/XX/2020. It was in a " FOUND LOOSE IN MAILS XXXX  SECTION '' in XXXX XXXX XXXX, UT post office. 

My assumption is that Wells Fargo 's envelope-sealing was not working for these few days, or something. But this leads to privacy issues, and I'm sure I'm not the only one.

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 2016-12-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO
Product: Payday loan
Issue: Applied for loan/did not receive money

Complaint:
I have no idea how I could owe this money. 
There is mortgage ( or apparently several ) on my house. I have made XXXX payments to my first mortgage and now owe more than I borrowed. I am certain that I have paid at least {$400000.00} more than I owed. 

I have tried everything. I have written dozens ( maybe 100 's ) .of complaints ; with ; CFPB, independent foreclosure review, attorney general, comptroller of cuttendy HUD met with attorneys spent lirally weeks of 24 hour days on the phone with the now 7th services. 

Her are the details Purchased XX/XX/XXXX Price {$280000.00}. 
Down payment XXXX Loan amount {$210000.00} at 7 % Refinanced XX/XX/XXXX {$220000.00} ( escrow shortage ) 6.5 % Same lender- Fleet Problems : double statements late fees ... 

Refinanced XX/XX/XXXX to payoff {$38000.00} second at 8.5 % and a balloon paid to approximately {$21000.00}. ( XXXX interest statement {$1700.00} ) reduched to 6.125 Countrywide reduced to 5.875 XX/XX/XXXX Refinanced XX/XX/XXXX -again problems latennotice and not late Bank of America Again XX/XX/XXXX interest only. {$260000.00} 4.3 % XXXX Somebody owes me {$460000.00}. 

XXXX we do n't owe means {$200000.00} just DISAPPEARED. 
I want the CFPB to figure out where it is. And I want the full amount refunded directly to me. 

Bank of America offered me two loans in XXXX. 
{$420000.00} on my house and {$200000.00} on my duplex. 

I did not accept this offer. I did n't sign anything, nothing was refinanced AND I DIDNT GET ANY money! 

They owe ME {$620000.00}.

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 explanation
Consumer complaint received 2022-05-15
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Every eight months or so Shellpoint/Newrez demands that I prove that I habe insurance coverage. I have done this at least four ( 4! ) times within the last three years. This is totally unnecessary, harassing and oppressive. I can not help but suspect that this is a discriminatory practice at this point.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15
Company: CL Holdings LLC
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I had my identity stolen back in 2018. A phone account was opened through XXXX in I believe in XXXX of 2018. I have reached out to XXXX numerous of times before they placed the account in Collection. Every debt agency they sell this account to removes it because I have explained to them that this is not my account. They have sold this debt to over 5 different debt collectors! They are refusing to move it even after I filed an Identity Theft report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
All events took place over the internet on XXXX/XXXX/2016, last Friday. 
I performed a transaction which would debit one of my checking accounts for {$270.00}. After I completed it and within the hour, I realized that my profile at the application site where I completed the transaction had my Bank of America account. This account did not have the balance to cover the debit, but I proceeded to do an internal account transfer, which was successfully processed. 
Bank of America posted the debit amount on the same day, XXXX/XXXX/2016, but held " pending '' the credit to cover it ( via the transfer ) until XXXX/XXXX/2016 and causing an overdraft charge. 
I called BofA on XXXX/XXXX/2016 and spoke with Rep Aundrea ( or apologies if I got the name wrong ) who at the end, despite of that I asked for a courtesy refund, insisted to tell me that it was not an error since BofA processes the transaction immediately after the customer provides their routing and account numbers to the website, regardless of whether a transfer/ deposit to cover is done, even within a second. 
I found the situation to be very deceiving and incorrect, especially after explaining that the transfer crediting the account happened within the hour of realizing the fact. I explained that transactions arrive on a given day and they post credits first then debits. It is a matter of principle. 
Thanks

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 2020-06-10
Company: Experian Information Solutions Inc.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
A Method of Verification letter was mailed certified to Experian XX/XX/2020 requesting them to verify the inaccurate bankruptcy they have listed in my credit report. The letter was delivered to Experian on XX/XX/2020. They replied and said verified without providing me their method of verification as I requested. I mailed a 2nd certified letter to Experian XX/XX/2020 requesting them to delete the inaccurate bankruptcy and have not received a response. Experian has not provided me any information on who or how this inaccurate bankruptcy was verified to be my record.

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 2022-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
n accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX, XXXX, XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-09-15
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX Account number # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-20
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Was not notified of investigation status or results

Complaint:
This company has infringed on my right to privacy, I have never given this company any right to have my personal information. This company was trying to collect on an alleged debt. This company reported unverified inaccurate information to the consumer reporting agencies, which has greatly harmed my ability to offer or extend my credit to other financial institutions. This is against federal laws. This account is not mine and was opened using my personal identification without my consent. When any furnisher of information is notified pursuant to the procedures set forth in Section XXXX that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section XXXX XXXX XXXX  ). Ive also never given this company permission to contact me which according to the FCRA is also against federal laws. I have asked numerous times for this company to stop furnishing false information to the CRAs and also for them to stop contacting me. Ive repeatedly asked for this to be removed through various methods.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-15
Company: EdFinancial Services
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act EdFinancial Services Student Loan, has violated my rights.

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: EQUIFAX, INC.
State: DC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Equifax illegally shared my information along with the information of millions of other Americans via poor cyber resiliency.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Using a debit or ATM card

Complaint:
I had my Bank of America XXXX card denied at XXXX websites. 
So I tried to call BOA 's card services number on my card. 
I have done this before and contacted an agent in minutes. 
For the last several days I have been told the wait time is over 3 hrs!!! After 30 minutes given option to have then call you No one ever calls. I go online to check my account status. 
No info on denied transactions. Option to talks online. 
given a code and number to call to enter code to get online. 
Call number and no option to enter code or talk online. 
Just again option to wait 3 hrs. If I have a fraud situation no way to report it!!! I in the past get call about unusual purchases. Since I travel a lot I would get calls all the time. 
Are their laws requiring response times? If not I will ask XXXX to initiate legislation at both state and Federal level to guarantee acceptable levels of customer service for the banking industry!!!

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 2016-09-15
Company: AES/PHEAA
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I consolidated my loans with Fedloan Servicing and the monthly payments are too high. I have repeatedly contacted them about the issue and submitted documentation/request for a lower payment plan but have received no response from loan servicer. I am attempting to pay what I can afford monthly but since they have not responded to my request for a lower payment my account is delinquent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
Recently i deposited my employer 's pay check through mobile online banking application to my Bank of America checking account on XXXX, but the bank put it in hold my available funds until XXXX at XXXX. My employer use XXXX for his pay checks. I have had my BoA account for 10 months without any overdraft

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 2015-04-23
Company: Navient Solutions, LLC.
State: OR
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint:
In XX/XX/XXXX ( around XXXX/XXXX/15 ) I called Navient and requested 30-day loan payoff letters for XXXX of my private loans. I needed these letters to complete a pre-approved loan consolidation application with a credit union. On XXXX/XXXX/15 I received these forms online, but there was a big error in one of the payoff amounts - rather than approximately {$4300.00} the letter showed {$43000.00}. The other XXXX letters were correct as far as I know. I called Navient back around XXXX/XXXX/15, informed them of the error and requested a corrected copy of that letter, in addition to new payoff letters for all of my private loans. These were promised to me within 24-48 hours. I still did not have the letters on XXXX/XXXX/15, so I called them back, having a lengthy conversation ( XXXX+ ) with a representative, then her supervisor, explaining the above. They promised a payoff letter for each of my loans within the next 24-48 hours. It is currently XXXX/XXXX/15 and I have not received them yet. 
Here are my concerns : I 'm concerned about the accuracy of the loan payoff amounts on the letters. 
I 've spent a considerable amount of time corresponding with Navient to resolve this. 
While I wait for the letters, interest continues to accrue on my loans - a higher rate than what would accrue if the loans were consolidated, which I can not do until I have the letters. 
If I do n't submit these letters to the credit union for my consolidation application within a certain time frame, they 'll cancel my application, causing me to start over from scratch.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
My name is XXXX XXXX and I am a consumer/natural woman submitting this complaint on the behalf of myself without any influence of any third party being involved. Fraud has been committed on my consumer report, and I did not consent, nor authorized these transactions on my report. I demand that the following accounts listed on attached document be removed immediately.

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 2016-08-12
Company: Harris & Harris, Ltd.
State: NY
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Harris and Harris from XXXX IL has been calling consistently to collect a debt. 

The debt amount is due to XXXX XXXX XXXX in XXXX. 
Since the first call from Harris and Harris in XXXX XXXX, I recorded and was able confirm : Harris and Harris was trying to collect a debt but the I had never received any mail notice for this debt. 
The reason was that Harris and Harris and XXXX XXXX sent it to wrong mailing address - wrong apartment which is why I never received the mail. 

I emailed them indicating this error and paid that bill once I was aware of it in XXXX XXXX. 

I recorded that conversation and I also called XXXX XXXX hospital billing and confirmed they corrected their input mistake to have the correct apartment address. That was recorded as well. 

Today, XXXX XXXX XXXX, I received a call for {$360.00} being due to XXXX XXXX. I was able to ask and confirm that the address that the mail for bills was sent to the WRONG apartment again. 

I told the collector from Harris and Harris this and she asked for payment and fortunately, I had checked my XXXX XXXX records online in XXXX XXXX and made a payment for {$2900.00} dollars in full. 

This included the payment that Harris and Harris was asking for again - essentially a double payment for same bill and a BILL NEVER SENT to my CORRECT mailing address. 

I refused to make another payment for a paid bill and the debt collector insisted I PROVE i had made payment and fax copy of payment that I had made. I told her : - to contact her client- XXXX XXXX XXXX bill had been paid in complete since XXXX XXXX to get payment made records - Note that asking for payment for paid debt was fraudulent - sending bills to incorrect address was a violation She refused to do any of this and insisted I fax proof. She hung up when I mentioned the above points. 

Pls note in your records. 

Regards, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-11
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint:
This is the second time I 've submitted a complaint about my XXXX student loan which I 've been repaying for since 2006. Now that XXXX is closed I 'm still paying for a degree the Federal Government deems worthless. I 've repaid the original amount and just want to know what can be done with the remaining balance.

Company response to consumer: Closed with explanation