BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the 3 Credit Bureaus last XX/XX/2023, to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again XXXX XXXX  XXXX Balance : {$2600.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00}.

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 2023-08-05
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: AZ
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
This is the second complaint I am filing, The first one was closed case XXXX. I left a comment, however your agency closed it without investigating and took the word of Webster bank over the actual problem. 

I have a XXXX XXXX Account. I entered an expense to get reimbursed on the phone app. The next day it appears twice, once processing ( which I received the money ). but then it lists the same expense to be reimbursed a second time ( a duplicate ). I would have to click on a button to get reimbursed a second time. I have been careful not to. And I made the company aware every time it happened. 

Expense for {$150.00} entered in phone app on XX/XX/2023 for {$150.00}. On XX/XX/2023 the account under " manage my expenses '' shows the expense I entered and that it is currently processing. But it creates a duplicate that would allow me to click and get reimbursed ( over reimbursed ). 

I have brought this to the attention of the company every time. First they blamed the pharmacy for doing it, then they blamed my insurance company for doing it. Both times during investigation by the company, they realized neither was true. After getting no results of a fix to their systems I filed the complaint with your agency. The company Webster Bank then replied to your agency that it was my fault and I was entering it twice and it was not their fault. This simply is not true, and you took their word for it. It has now happened again.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22
Company: Block, Inc.
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
On XX/XX/2023 I contacted Cashapp via their chat support because my purchases with my Cashapp Card with a Visa logo kept getting declined. I was told my card had been deactivated yet Cashapp never notified me that they were going to do such a thing. And when I ask why they refuse to give me a reason. I believe it is in retaliation for my recent complaints to the Attorney General 's Office and to the Consumer Financial Protection Bureau wherein I ask for Cashapp to be investigated for what I believe are unlawful financial business practices, especially with regards to how they handle disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30
Company: Kriya Capital, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Credence Resource Management reported a delinquent account on my credit report for {$70.00}. I told them that this was identity theft. They said that it's for a debt from XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Nebraska. I told them that I have never lived there or visited there in my life. I called XXXX XXXX myself and they said that they only do online disputes with a police report. That since they merged with XXXX XXXX XXXX, they can't file a complaint over the phone and that they only have limited access. I filed a police report with the XXXX of XXXX and they said that it takes some time to get a copy of the police report. The collection company refuses to delete this account from my credit reports. The collection company should be able to verify and dispute the account themselves, since they are the ones reporting it delinquent to my credit. I am in the process of applying for a home loan and this has derailed everything. This is a living nightmare. XXXX & XXXX XXXX should be held accountable for not fully verifying the identity of the person when this account was opened. I'm sure that I'm not the only victim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
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:
I sent a notice of dispute and documents, they signed for them by mail and I have not heard XXXX word, nor has anything been changed on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
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:
I was supposed to receive monetary relief from Capital One I never received my check it was supposed to be for {$1500.00} and security deposit refund of {$1000.00} I was supposed to receive it within 7 to 10 business days but it's been way longer than that and I have not received it if Capital One can kindly send out the payment they were supposed to send thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I opened the business account on the TD bank. I ran 2 XXXX  payroll through TD on XX/XX/XXXX. On XX/XX/XXXX, the employee told me that he filled out the wrong bank account. I immediately reached out the Td bank customer service. One of representatives told me I can use the stop payment to stop the payroll. And I paid XXXX dollars for stop payments for my 2 transactions. It might take a week to return my money back. 
On XX/XX/XXXX, only 1 transaction {$770.00} dollar was recalled. I called TD again. The rep said the other payment {$650.00} went through and told me that I should do the ACH dispute. I Definity will get the money back since I pay the stop payment. and the dispute might take a few months. 
On XX/XX/XXXX, I reached out TD again. The rep told me my claim was decline because I did not file the claim within 24 hours and the rep has very bad attitude on me and kept stating I loss money because I filled out the wrong bank account. I asked the TD XXXX for help. The TD manager said she will call back. 
On XX/XX/XXXX, I got a call back from TD. The guy over the phone told me " stop payment won't be work for the payroll, and they apologized for my loss. But they only can refund me XXXX dollar for stop payment fee. Since the event passed for a few months, they can not do the ACH reversed for me. The reason why I was able to recall {$770.00} because XXXX returned the money back to me. 
Overall, the TD customer representatives provided very bad experience. I could get my money back if they provide the right instruction. Right now, I lost {$650.00}

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-22
Company: CAINE & WEINER COMPANY, INC.
State: VA
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 XXXX Account XXXX has violated my rights. 15 U.S.C 1681 Section 602 A. I have the rights 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 response to consumer: Closed with explanation
Consumer complaint received 2023-06-22
Company: GOLDEN 1 CREDIT UNION, THE
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Fraud or scam

Complaint:
Company reached out to claim that I have been offered a job and emailed me a check to deposit and then asked me to put it into a gift card. {$1000.00}. Impersonated company named XXXX XXXX using email 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 2023-06-22
Company: Frontline Asset Strategies, LLC
State: UT
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
The issue is with XXXX and not the collection agency. I was in Nevada in my RV staying at an RV park. The parks internet did not work so I went across the street to XXXX  where I purchased wireless internet for my RV. The rep that helped me said she has to put the RV park address and not my home address because I was in Nevada. She said once you get home you can go to any XXXX store and update it with your current home address. I did that. I got home and went right to the XXXX store and updated my address with the reps there. 

Months have passed and one morning I woke up to multiple zero balance credit accounts being closed because of a recent collection. I pulled my credit and saw it was XXXX. I called XXXX and they had all the RV park information on file still after I went in and changed it. I was transferred multiple times and after hours and hours and only filipino support, I didn't know what to do. I tried explaining I did what I was supposed to do as a consumer and updated my address. 

I feel I was set up from the very beginning by the sales agent and the incompetent employees at the local XXXX  store. Today I called the collection agency and paid the debt in full. XXXX  needs to be held accountable as they do not even have anybody to speak to or escalate issues like this. I even went in to speak with them in person and they said it was turned over to their collection agency and they could not do anything. This whole situation has been so frustrating.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22
Company: GOLDMAN SACHS BANK USA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I have a Marcus savings account for many years now. But recently moved outside the US and started to slowly withdraw my money from the account. Recently, in the middle of a transaction they blocked my account for unknown reasons/ it has been more than 7 days. I called many times and no one is able to help me promptly or to give me a reason about what's going on. I called multiple times and all I hear is the account is under review. I have all my savings in there and it's an absurd that they take this long to tell me what's going on. I depend of that money to pay my credit card account and it's extremely concerning that they take this long to analyze it. I wonder what they will do with it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Portfolio Recovery has been calling me multiple times a day for months straight now. They also contact me from several different numbers. They have called me at all hours of the day and night, as early as XXXX XXXX  and as late as XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-22
Company: TD BANK US HOLDING COMPANY
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I wrote a check for {$170.00}. to my accountant on XX/XX/XXXX and deposited the check in a local mailbox. About 1 month later, my accountant asked about the payment, and I checked my records and found that the check had been altered and paid in the amount of {$9800.00}. to XXXX XXXX XXXX through TD Bank in XXXX, NJ. I contacted my bank, XXXX XXXX, and let them know of the fraudulent payment. 

I completed an Affidavit for Altered Check or Payee on XX/XX/XXXX, and my bank demanded reibursement from TD Bank on that same day. On XX/XX/XXXX, TD Bank responded to XXXX XXXX, asserting that my signature was forged and thus XXXX was responsible for the loss. Numerous times since then XXXX XXXX has attempted to correct TD Bank 's reasoning, because the payee and amounts were forged, not my signature, but TD Bank has not responded in any way to these requests. 

I mailed a letter to TD Bank XXXX XXXX on XX/XX/XXXX, trying to correct the record about what they alleged to be my forged signature, and have not heard from them. My husband and I attempted to call TD Bank Fraud Operations on XX/XX/XXXX, and were unable to reach anyone who would talk to us about this case, and the people we did reach appeared to be unable to even pull up the case file, and they moreover refused to transfer us to the Fraud Operations staff. Apparently this group only communicates by email, and as noted above they have refused to respond to XXXXXXXX XXXX XXXX inquiries for the better part of a year. 

Letters documenting the above will be attached below. 

The TD Bank case # is XXXX Acct XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-22
Company: Synovus Bank
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
1st ProgressXXXX  XXXX  XXXX XXXX XXXX XXXX, TN XXXX will not remove collection from my credit report even though this is not my account. I have no knowledge of this account and do not have a contract with this company for any debt. I continue to dispute this charge to no avail and have yet to see any documentation I have signed or agreed to. I have exhausted all options to correct this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXXXXXX  I contacted Citibank about an unauthorized transaction performed on my account. I advised them {$580.00} was debited from my account on XX/XX/XXXXXXXX  which was not authorized by me. The entity the withdrawal was sent to per my checking account record was XXXX  CA. I advised them I have a record of all my transactions using XXXX XXXX and this transfer was not found. I also advised them I spoke to XXXX XXXX  and they agreed it was not a transaction done by my XXXX XXXX account and to contact my bank to dispute the charge. Citibank them sent me a letter dated XX/XX/XXXXXXXX  stating they conducted an investigation and they did not have enough info to support the claim in my favor. I then faxed them an appeal letter with copies of my XXXX XXXX transaction record which showed no activity on that date or any for that amount, along with a copy of my ciibank record showing the transaction. I then received another letter on XX/XX/XXXXXXXX   from citbank saying Thank you for your inquiry and that they attached the previous letter they sent me for my review.

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 2023-06-23
Company: Chime Financial Inc
State: KY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I had transferred {$2900.00} from my chase account to my chime account and they had froze my account with my funds in there, Ive sent every proof of document,, they are saying i have an account ending in XXXX but my account ends in 1975. XXXX verified i only had XXXX account open with them. I tried to XXXX way to tell them but instead chime told me they cant do anything because of the support team i had to email them. Also chase couldnt email me confidential information but they had assisted on being on the phone and verifying with them i do have XXXX account. But for some reason chime keeps telling me i got to send in documents that Ive been sent in. I havent used the account in a while but i feel as it dont matter if i havent used it in a while its in my name and also my chase wouldnt have linked to my account If i didnt verify it through and also on my chase account it shows my chime is active but chime is acting as if Im not me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23
Company: CORELOGIC INC
State: VA
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 didn't give this company permission to run 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 2023-06-23
Company: T.S. Holdings
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Ive called this company multiple times about the incorrect debt on my credit report and they will not respond and when they did they were rude like they were right and I was wrong ( also I have proof but they didnt care ) Ive even contacted the apartment complex and they even emailed them the correct information twice and they still wont respond or budge for them its messing up my credit with this false information and I cant even go into a payment plan with them to start paying off some of the debt I owe because they wont listen to me or the apartment complex about the right amount to change my debt too its really messed up and frustrating at this point

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-18
Company: AMERICAN EXPRESS COMPANY
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
In XX/XX/2018 I closed my American Express credit card account. At the time of closure the balance on my account was - {$50.00} ( negative XXXX dollars ), i.e. a credit balance. 

Instead of refunding me the credit balance, American express simply kept the {$50.00} dollars putting the following transaction on my statement : XX/XX/2420 REMOVAL OF CREDIT BALANCE {$50.00}

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-23
Company: Nelnet, Inc.
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am writing to address a serious matter regarding the collection activities undertaken by Dept of ED NELNET regarding an alleged debt. I hereby demand that you immediately cease and desist all communication with me, including any attempts to collect the debt or report it to credit bureaus. I also request a thorough validation of the debt, as your current collection efforts lack proper verification and infringe upon my rights under the Fair Debt Collection Practices Act ( FDCPA ). 
It has come to my attention that you are claiming to be the creditor or authorized collector of a debt allegedly owed by me. However, you are not the original creditor, and I have received no evidence or validation that substantiates the validity of this debt. In accordance with the FDCPA, I have the right to request and receive verification of the debt, including information about the original creditor, the nature of the debt, and any supporting documentation. Until such validation is provided, your attempts to collect on this debt are unwarranted and in violation of my rights. 
Furthermore, your possession of my personal information without proper validation raises concerns about the handling and accuracy of my consumer report. I have discovered inaccuracies on my consumer report that reflect negatively on my creditworthiness, resulting in denials of credit applications. These inaccuracies are damaging my reputation and causing significant harm to my financial well-being.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23
Company: Revco Management, LLC
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX, 2023 XXXX 
After Insurance paid, the remaining balance was {$90.00}. On XX/XX/XXXX, I paid in full through the patient portal. The payment was not posted and I was told they could not see the payment. 

I asked my bank to reverse the charge since XXXX XXXX had some technical issues. They denied my request because I had a relationship with the merchant and I had actually used my debit card to pay them. They were willing to assist XXXX in order to resolve the issue. 

I have had numerous phone calls regarding this issues. Made two trips to XXXX in an effort to resolve the issue with an Administrator and they were not available. I have left several messages on the Administrator 's voice mail and have not been given a call back to schedule a date and time to meet with them. 

Since XXXX, I have repeatedly tried to resolve this issue. I have faxed my bank statement, a letter from my bank, and now it has been sent to a different collection agency. However, Revco Solutions can see all phone log communication, confirmation proof of payment was provided, but they say I still owe the bill. I need help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-23
Company: MoneyLion 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: Investigation took more than 30 days

Complaint:
The companies are stating they got verified information this account is valid. I ask for proof of information over the phone and the letters and no proof that this account is mine or nothing was never sent to my address 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 explanation