BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-06
Company: Block, Inc.
State: OR
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I created a new account with Cash App after losing access to many accounts that I have previously had with Cash App. I have been a documented victim of identity theft for the past year. 

After creating a new account with Cash app, in documented written requests with there customer service department, I asked them to transfer any remaining funds from my previous accounts to my new account, which at first they agreed to do so. They then refused to do so stating that it was there policy and that they would be keeping the funds and that there was nothing that they could do about it. 

I informed them that there was an active identity theft investigation regarding my accounts, which has been reported to the IC3, FBI and Secret Service. 
Screenshots of communication with Cash App available apon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14
Company: Chime Financial Inc
State: CO
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 and XXXX XXXX purchases were made through bet mgm online which is a sports site and those were not my purchases. I tried to dispute these with my chime bankers and was told I needed to wait until they settled the payments. Once that happened I immediately reported it as fraud and requested a new card as well as changed my pin. They didnt even take the proper time to investigate my claims which were 2 were denied well before 24 hours of me making the claims. I then requested the documents used to determine their decision on XX/XX/XXXX and have yet to receive those. I started a rebuttal for both claims and those have both been denied without documentation as well! I filed a police report the same day the disputes were filed. This is ridiculous I have done everything on my end. I was at work when these charges were coming out of my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06
Company: CONTRACT CALLERS INC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On I discovered ( CONTRACT CALLERS INC ) had been re-inserted into all my XXXX credit file. You are required to notify me within five ( 5 ) days of re-inserting a previously deleted item. I did not receive any such notification, without my knowledge of this account. I've proof of account was deleted and reappearing. Please delete this item immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
According to my research about FCRA 605, credit bureau are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported is creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original creditor XXXX XXXX XXXX XXXX ) XXXX Date opened : XX/XX/XXXX Balance : {$110.00} ; XXXX XXXX XXXX XXXX Date opened : XXXX XXXX, XXXX Balance : {$3800.00} ; XXXX XXXX XXXX XXXX XXXX opened : XX/XX/XXXX Balance : {$3800.00} ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX Balance : {$1300.00} ; XXXX XXXX XXXX XXXXXXXX Date opened XXXX XX/XX/XXXX Balance : {$2300.00} ; XXXX XXXX XXXX XXXXXXXX Date opened : XX/XX/XXXX Balance : {$6900.00} ; XXXX Inquired on XX/XX/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 non-monetary relief
Consumer complaint received 2023-04-23
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
XXXX. ) Credit CardXXXX XXXXXXXX XXXX  Open Acct XXXX XX/XX/XXXX. 3 yrs-4 mo. Balance- {$1000.00}. 
XXXX. ) Credit CardXXXX XXXX XXXX XXXX  XXXX XXXX XXXX Acct XXXX Open- XX/XX/XXXX. 2yrs- 4 mo. Balance {$1000.00}. 
XXXX. ) Credit Card XXXX. ) XXXX XXXX XXXX XXXX XXXX Open XXXX 2yrs- 4 mo. Balance- {$1000.00} These cards are all on my Credit Report from Portfolio Recovery A.

Single and getting XXXX  and off work struggling to pay and they wouldnt work with me and too many late fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06
Company: LoanCare, LLC
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:
This lender is directly in violation of the Fair Credit Reporting Act because I was never given written notice of any late payments.No messagesNo characters.In addition, I am aware that the Initial Disclosures will not be adequate means of notification.

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 2023-03-06
Company: SUNRISE CREDIT SERVICES, INC
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a call from Sunrise Credit Services about a debt they were collecting on from XXXX XXXX XXXX Apparently I was charged for a phone that I never purchased. I have never had an account with XXXX XXXX XXXX  and after speaking to them numerous times in response to past due notices I received, they were never able to locate an account with my name or identifying information. I was advised each time I called them that " everything would be ok and to disregard the letter ''. Well one day I review my credit and see a collection from Sunrise Credit Services regarding a balance from XXXX XXXX XXXX. I spoke to Sunrise and advised them of the situation. They sent me a fraud package to fill out, which I did and returned promptly to them. My XXXX and XXXX credit reports still reflect this collection. My score has been negatively impacted and so has my ability to receive the lowest rates available when borrowing 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 2023-03-07
Company: Freedom Mortgage Company
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We submitted a double home payment On time to freedom mortgage which then applied the entire payment to escrow and not to the account which was never authorized. Then they reported to our credit we never paid them and are now trying to charge us late fees and say our payment was never sent. I really don't know what to do. They've destroyed our credit completely. And we've never missed a payment, even pay double.

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 2023-01-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
When I reviewed my credit report, I discovered the erroneous items. The 3 credit bureaus must verify these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be corrected from erroneous reporting in my file. 

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 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

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 2023-01-20
Company: WELLS FARGO & COMPANY
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I held an account in XXXX through XXXX in XXXX XXXX, Colorado. I was hit with several overdraft fees that I felt to be unfair. I even called the customer service line and got no help for this. The overdraft fees and bank fees alone made it impossible to raise XXXX children while trying to get ahead with my credit. I eventually was forced to close my account because I couldn't take it anymore. My credit plummeted, and I ended up losing my home.

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 2023-01-20
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Hi, Between XXXX I and my wife XXXX XXXX lost pay form our employers. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The XXXX  mortgage collapse caused this problem, so we were not able to make our mortgage payments to Wells Fargo Bank. So, we tried to modify our loan with with Wells Fargo 's refinance mortgage department under hardship. We submitted everything the bank requested and after going back and forth we finally got and approval letter letting me and my wife know that we qualified for a mortgage loan modification consistent with the hardship we were dealt with under the XXXX  housing mortgage crash. Well, Wells Fargo bank reneged on their promise to modify our mortgage loan. 
Through out the process of trying to modify our loan with there was a credit collection agency from Wells Fargo bank that consistently harassed me and wife wife to try and collect money that me and wife could not pay because my wife lost her job and my work ours hours were reduced. We were consistently threatened with foreclosure on our home by the collecting agency. So, after 12-24 months we were forced to pay mortgage back pay money which summed about {$14000.00} to {$16000.00} .This money that we had to pay back depleted me and my wife 's life savings account. This created more uncalled hardship. Me and my wife had to ask our parents for help to make ends meat. 
Wells Fargo bank just made false promises and gave me and wife the runaround and charged us delinquent fees too.

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 2023-01-20
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Bounced checks or returned payments

Complaint:
There have been numerous times my account has been overdrawn or my payments have been returned due to atm fees

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 2023-02-22
Company: MOHELA
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I originally faxed my XXXX form to XXXX during the period when my loans were getting transferred to MOHELA ( XXXX, 2022 ). XXXX, like they were supposed to, forwarded it to MOHELA, but MOHELA sent it back to XXXX and they processed it, and sent a letter stating I had no eligible loans with them. 

In XXXX, I resent my XXXX form to MOHELA, which they denied a couple months later stating that the signature for the supervisor that signed my form wasn't a real signature ( which it was ). 

So I had to send the form a third time in XXXX. I finally hear back from them 4 months later in XXXX, and they're not counting 7 years of payments I made towards my loans in their XXXX XXXX calculations. They also stopped counting payments after the date I submitted the form, even though I'm still employed at the same business. 

I've also sent them a message in XXXX on a different topic and got an automated response 3 weeks later telling me to call their XXXX number. Why even have electronic support when you don't do anything with it? XXXX was much easier to work with.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-05
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
After my wedding on Thursday XX/XX/2023, I went to a Chase branch to deposit all of the gift money that I received. I specifically went to the branch located at XXXX XXXX XXXX XXXX, XXXX, NY XXXX, slightly before XXXX EST time on Friday, XX/XX/2023. 

I tried to deposit a total of {$28000.00} into a Chase ATM at the branch as soon as I got there. The first deposit of {$5400.00} in cash of all XXXX dollar bills went through. I then tried to deposit the rest of the funds, which totaled to {$23000.00}, in cash ( multiple denominations- XXXX, XXXX, XXXX, XXXX, XXXX ) and checks. During the transaction, the Chase ATM confirmed the total amount, and I then pressed a touch screen button on the ATM to finalize the deposit. Although, the ATM froze after this, and then dispensed some/all the checks back to me ( I do not know if it was all of the checks, since there were many and I did not count exactly how many there were ), but did not dispense any of the cash back. As soon as this transaction failed and the checks were dispensed, the ATM printed out a receipt, and then I immediately asked a worker at the branch for help, who then told me that there was nothing that they could do, and to call Chase and file a claim. 

The total amount in checks that I got back from the failed deposit was {$10000.00}, which I then went to a teller at the branch and deposited, but there is still {$13000.00} that I inserted into the ATM that I do not see in my account. This money was swallowed by the ATM. 

I had to call Chase multiple times, and for some reason there were XXXX claims filed - I was told the first claim was filed incorrectly ( was not even given an explanation as to why ). 
In addition, Chase did not provide any helpful information to me on what kind of investigation they will perform to ensure that my account is properly credited, and I have not received any written email/messages from Chase yet to ensure that I will be made whole. I do not have any assurance that my funds will be given back to me, and I believe that they told me that a third party company is the one that reconciles their ATM amounts- how do I know that this third party company won't just take my money and tell Chase that the money I deposited was never actually deposited? 

First Claim number : XXXX Second claim number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-05
Company: WELLS FARGO & COMPANY
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I spoke to someone about 4 weeks ago and they said I would be contacted regarding the complaint in approximately 10 days. I have not heard from anyone. 

This is regarding when I was employed by WF and was in process of getting a mortgage ( I have the loan numbers & info including an email from mortgage rep telling me to just let it go and move on ) I was about 2-3 days from signing when asked for additional XXXX in funds, loan fell through and all the funds I paid were lost, I did consult an atty and was advised I was entitled to those funds back but WF Mortgage and Mgr told me if I wanted to keep my job to not say anything and let it go even the money to the XXXX XXXX " You might as well just put this behind you and move on " Very frustrating as I am a widow and had moved to XXXX XXXX to help my Mother who was ill and passed since then. 

please have someone reach out to me @ 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 2015-08-24
Company: SUNTRUST BANKS, INC.
State: CO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Lost condo to foreclosure due to Suntrust failure to properly and timely process modification.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My identity was stolen and as a result this account was opened. I am currently trying to get this account removed from 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 2023-03-06
Company: CarMax, Inc.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Problem with signing the paperwork

Complaint:
XXXX preapproved for auto loan with XXXX XXXX auto navigator went to car max to purchase vehicle and was approved but was told I got denied because of not enough down payment so shopped more at dealership found more expensive used car ended up walking away because they wanted to much down payment. I shop at XXXX more dealerships over the month and in the end got denied because of to many inquires. I call XXXX XXXX cause I was concerned with the inquires and with the fact I went in there pre approved so why so many inquires come to find out the first car I applied the numbers were off by XXXX dollars if I would if upped my down payment by that amount I would if gotten car on terms advertised with XXXX XXXX. Dealership did not mention this and tried to sell me a different car. 
I find all this out after I went back to dealership and confronted them about it. I would of had car I wanted if dealership informed me of situation instead of selling me a different car now nobody w to ll sell me a car and Im stuck in a loan now with high interest and worse credit score. Also o never told dealership to shop for loan because I already did and went to them assuming they were working on my loan approval not entirely diffident bank altogether

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06
Company: LEXISNEXIS
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX : # XXXX, XXXX XXXXXXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX, XXXX - XXXXXXXX XXXX  : # XXXX, XXXX - XXXX XXXX : # XXXX, XXXXXXXX XXXXXXXX XXXX : # XXXX, and the US Bankruptcy # 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-23
Company: Experian Information Solutions 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:
My identity was stolen and as a result this account was opened. I am currently trying to get this account removed from 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 explanation
Consumer complaint received 2023-01-20
Company: CL Holdings LLC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, and abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06
Company: Thunderbird Collection Specialists, Inc.
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have tried numerous times via telephone and disputing on XXXX.XXXX  to resolve this issue. I have been informed a number of times by XXXXXXXX XXXX XXXX that they refuse to look into the incorrect billing nor do anything about this situation. Going back into 2019 I was informed by my former insurance company that this was a double bill and the original bill was paid in full. The hospital then turned my wifes bill over to a collection agency, which violated HIPAA laws due to personal information. 

XXXXXXXX XXXX XXXX for XXXX XXXX  XX/XX/2019, {$1000.00} and {$6300.00}

Company response to consumer: Closed with explanation