BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-01-05
Company: BBVA FINANCIAL CORPORATION
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
My account with BBVA had 4 overdraft fees due to 4 payments return from the same company ( XXXX XXXX ). That was okay, because it was poor planning on my part. Once I saw the mistake, I quickly made deposits to cover the 4 payments and the overdraft fees, because I knew the XXXX XXXX would try to withdraw funds from my account again. 

I quickly made the deposit, and to my surprise, 2 days later I had 6 additional overdraft fees on my account. BBVA bank used deceptive practices to charge me multiple fees. I had sufficient funds on my account, since I made deposits on XX/XX/2019. BBVA charged me the 6 additional fees and return the payments once again to XXXX XXXX. I called the creditor and the creditor told me that they try to withdraw the amounts on XX/XX/2019. I tried to explain to the bank that on XX/XX/2019 I had the available funds on my account to no avail, they did not returned me any of the fees. 

I was upset that I closed my account with BBVA, and told them to my the remaining balance, but guess what? they do not have a option to mail you the balance of the account, so I had to " DONATE '' the remaining balance to the bank. My only option would be for them to mail the balance, since they do not have a physical branch in Massachusetts.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-26
Company: EQUIFAX, INC.
State: SC
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:
NAME : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, State Zip : XXXX SC XXXX XXXX Address : XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!!! 
Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal prot, consumer. NO CONSENT IS IDENTITY THEFT. As a consumer XXXX  demanding the XXXX accounts listed IMMEDIATELY!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-30
Company: EQUIFAX, INC.
State: NY
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:
A fraud dept called me, stated someone is purchasing {$750.00} of liquor and other products from different stores! 
All 5 companies I then spoke with and stores! 
Each company stated ok! 
Each bank supposed to cancel all credit cards! 
Then send me new credit cards! 
Not one of the banks canceled or sent new cards! 
I have called XXXX, Equifax, XXXX and dispute all!!! 
Over and over with Police Reports to REMOVE ALL 5 ACCOUNTS FOR ERRORS AND INACCURACIES! 
PLEASE REMOVE ALL INACCURACIES!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03
Company: WELLS FARGO & COMPANY
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I was purchasing something over XXXX of {$170.00}, turns out it was a scam and the person never returned my money. The money was sent on XXXX XXXX. I sent the case to Wells Fargo but they didnt approve of my claim on XXXX XXXX and my card was charged back of {$170.00}.

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 2023-11-30
Company: TRANSWORLD SYSTEMS INC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
A dispute was sent to the creditor. TRANSWORLD SYSTEMS ( XXXX XXXX ) Pursuant to 18usc 8, I owe no debt, this company is violating my consumer right to privacy persuant to 15 usc 1681 b2 company has also no permission to report anything using my info pursuant to 15 usc 16814.

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v Gravens ( mo ) 281 SW 715, 719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
Company: SYNCHRONY FINANCIAL
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
This occurred on XXXX XXXX We received an email from Paypal about some suspicious charges on our Paypal credit account. We immediately called them to find out what happened. They informed us that a company call XXXX XXXX XXXX had charged us almost {$2000.00} and the recipient was XXXX. The Paypal representative told us to file a claim with the Paypal Resolution Center. We went online and filed the claim but received an email the next day stating that it had been denied. We once again called Paypal to get an explanation but were told that there was nothing they could do. We questioned the reasoning, since we were charged 10 times for the same amount, after midnight on the 12th. Paypal once again told us they could not do anything for us. If you go on PayPal 's web site, their motto is " Trust the way you Pay ''. What a joke!!! We tried to reach out to XXXX and XXXX but could not find any contact information for either of them. My wife and I are senior citizens and losing {$2000.00} is huge for us. I am hoping that you can help us get a refund. 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 non-monetary relief
Consumer complaint received 2023-11-30
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
First of all thank you for taking the time to review my case. I will very grateful for your help. Chase sent me a letter saying to close my credit card because I closed an account in the past. I have only used this card for two months. I have used it correctly and have not missed any payments or anything like that. This will seriously affect my credit score, for no other reason. I have tried to speak to customer service and they will not give me any explanation. I don't understand why they would give me a card only to take it away in two months knowing that this will cause irreparable damage to my credit score for 7 years. I have worked hard to improve my credit score and one system decision is about to destroy everything. According to the customer service agents at Chase it was the bank 's system that made the decision.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am interested in processing disputes for all inaccurate information on my credit report with experian. looking at the inaccurate information this is hindering my credit report badly. please delete an remove the information that is hurting my file. clrear my credit report of all inaccurate information asap.

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 2021-12-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the Inquiries that are still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion

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 2023-05-19
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: Reporting company used your report improperly

Complaint:
In accordance with The Fair Credit Reporting Act, XXXX XXXX XXXX Bank Account # XXXX has violated my rights. 

15 USC 1681 section 602A. It states that I have a right to privacy.

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03
Company: Ocwen Financial Corporation
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage includes an escrow account, and my monthly mortgage bill includes an escrow component so that the lender/servicer will taxes and insurance directly. My lender/servicer has failed to pay property taxes on my home for 2021, starting with first half billing in XXXX, and second half billing in XXXX. The full 2021 tax amount is delinquent, and has accrued {$1000.00} in interest and penalties, growing daily. 

I received a delinquency statement for first half taxes due in XX/XX/2021 in XXXX. I contacted my lender/servicer and asked them to resolve the failure to pay. Their customer service group assured me that the taxes due would be paid in full. I monitored my property tax account for the following months and noted no action by the lender. 

When the 2nd half tax payment was not made timely in XXXX, I again contacted my lender/servicer on XX/XX/XXXX, asking that they investigate and resolve, including payment of all interest and penalties resulting from their failure to pay. I received a response on XX/XX/XXXX, asking me to provide the tax billing statement to them. I responded with the requested information on XX/XX/XXXX. On XX/XX/XXXX they replied and stated they would respond within 5 business days. I have received no further information from them on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-24
Company: Eastern Account Systems of Connecticut, Inc.
State: MA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Before Eastern Account System reported the debt to credit agencies, they never talked to me in person, neither did they send me a notice in mail. 

They have violated my right to dispute the debt. 

Amount : {$88.00} & {$28.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13
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:
This is a fraudulent Account on my consumer credit profile that I want BLOCKED AND REMOVED IMMEDIATELY from my profile, Pursuant to 15 U.S. Code 1681b ( a ) IN GERNERAL, subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relates. I { CLIENT NAME } Never gave { CREDIT BUREAU NAME } any written consent to report anything on my consumer report, No consent is Identity theft this is infringement and I want the following accounts BLOCKED AND REMOVED FROM MY PROFILE, I am demanding a deletion of this account or I will proceed with LITIGATION XXXX  : XXXX Account number XXXX Date opened XX/XX/XXXX XXXX XXXX- Account number XXXX Date opened XX/XX/XXXX XXXX XXXX- Account number XXXX Date opened XX/XX/XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX XXXX XXXX XXXX Account number XXXX Collection opened XX/XX/XXXX XXXX  : XXXX XXXX Account number XXXX Date opened XX/XX/XXXX XXXX CREDIT Account XXXX Date openedDec XXXX, XXXX XXXX XXXX XXXX Account number XXXX Collection opened XX/XX/XXXX TRANSUNION : XXXX Account XXXX XXXX Date opened XX/XX/XXXX XXXX Account number XXXX Date opened XX/XX/XXXX XXXX XXXX  Account number XXXX Collection opened XX/XX/XXXX 2020

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 2023-11-30
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2023, I deposited a check into my US Bank business checking account in the sum of {$350000.00}. I did this in person to make sure I would get the appropriate check hold information. After I was told there would be NO hold on the check, I confirmed that information with the teller before I left, just to make sure. The following day, I confirmed online that the funds had cleared and were available in my business account. As a result, I made online payments via my business credit card websites. I also wrote myself a check in the amount of {$150000.00}. Because this was a large amount, my husband drove to the bank and deposited it in person into our personal checking account. When he specifically asked about a hold, he was told there was NO hold. When the funds were available in our personal account the following day, I wrote ( and mailed ) checks to the IRS, the XXXX, and our roofer for our building in XXXX XXXX ; I also made online payments via credit card websites, XXXX XXXX XXXX ( property taxes ), etc. However, later that day, I received notices that our accounts had significant negative balances. When I checked our accounts online, the funds that had already been made available via the {$350000.00} business deposit and the {$150000.00} personal deposit had actually been DEDUCTED from our accounts. When I called US Bank, I was told that they had placed a 10-day hold on the {$350000.00} check sometime AFTER the funds had been made available in our accounts. Because of this, we have had NO access to ANY money and payments are bouncing.

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 2021-05-10
Company: HYUNDAI CAPITAL AMERICA
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
XX/XX/XXXX : Car Accident where vehicle financed was deemed a total loss by Insurer. 
XX/XX/XXXX : Original request for Letter of Guarantee ( LOG ) sent from XXXX XXXX to Hyundai Financial. LOG is necessary to guarentee title once bank is paid off. 
XX/XX/XXXX : 2nd formal request sent from XXXX XXXX to Hyundai : Hyundai confirmed they received the request and it would take 3-5 days for processing. 

We have called to follow up on the dates below and each time they state it will be 3-5 business days. 
XX/XX/XXXX / XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX informs LOG was faxed on XX/XX/XXXX. XXXX XXXX stated they haven't received it and they don't have a way to contact the fax provider to request a search. 

Called several times after including today ( XX/XX/XXXX ) and still same answer of 3-5 business days. Writer initiated a compliant w/Hyundai Financial and they have not replied. Complaint now initiated w/XXXX and Consumer Financial Protection. 

Original amount financed is {$29000.00} through Hyundai Motor Finance XXXX XXXX XXXX, XXXX XXXX, CA XXXX ; XXXX : XXXX XXXX XXXX will pay : {$15000.00} ; GAP insurer can't move forward until Hyundai issues the LOG, XXXX XXXX pays, and all documentation is sent to GAP. 

Meanwhile Hyundai is still biling me monthly on a vehicle which they are creating a barrier to complete payment and close out loan and the vehicle is no longer in my possession. I've now started to pay on another vehicle ( 3 months later ) and can't afford to pay both payments and now I'm worried if I don't pay Hyundai they will report me for being delinquent which will affect my credit rating. This is in no way noble, honest, or reputable.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-22
Company: Navient Solutions, LLC.
State: NY
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 started XXXX XXXX at XXXX College on XX/XX/2019. I applied for an in-school deferment before classes even started. It took over 2 months and 15 phone calls to Navient, my student loan servicer, in order to finally get them to apply it to my account. I had to pay 2 months of my student loans while in school and also paying tuition out of pocket because of their negligence. Since XXXX, they have inexplicably removed my in-school deferment 3 times. The first 2 times, whomever put my loans on hold put them on a temporary hold instead of an in-school deferment. This caused late payments to appear on my credit report, and effected my credit score, which I have worked diligently to improve over the last 3 years. The last time I spoke to them, they promised I would be put on an in-school deferment. This morning I received a letter from them that my income based repayment plan was approved and my new amount due would be {$490.00}, due on XX/XX/2019. This is the 3rd time they have made this mistake in the span of 7 months. I called them yet again, and they are trying to tell me they never sent anything to me, even though I literally have the email in front of me. When I asked to speak to a manager, I was put on hold and left there. No one ever came back to speak to me. At this point, I am unsure what is going to happen, and will probably have to call back yet again to make sure they are not going to start charging me. This is unnecessarily stressful, as I have done everything they asked, I have submitted every paperwork needed, and I should be able to be in XXXX XXXX concentrating on my degree, not worrying that suddenly my bank is going to be auto-debited {$500.00} that is set aside for rent, or that Navient is going to wreck my credit again. They are a fraudulent company, and it is unconscionable that they are allowed to do business.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-24
Company: NAVY FEDERAL CREDIT UNION
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
In recent months, I have requested true and accurate information about all of my accounts from NAVY CREDIT UNION CREDIT. The company has refused to provide me with all of my tax information on file, as well as true and accurate information concerning my account. They are dishonorable and have allowed fraudulent activities to occur on all of my accounts, as well as refusing to allow me to view my true accounting and records. On their online portal, XXXX XXXX XXXX account was added to the list of non-NAVY FEDERAL CREDIT UNION bank accounts. There is a restriction on my access to this account. I have not opened this account, nor have I authorized Navy Credit Union Credit or its associates to open or add this account on my behalf. It is my understanding that they have accepted lawful payment for my credit card account. However, they refuse to update my accounts to paid or provide me with receipts pertaining to any financial credit transaction associated with any of my accounts. By reporting publicly fraudulent information on my credit report, they have ruined my payment history. I have suffered hardship as a result of this and my reputation as a trustworthy customer has been damaged. Their conduct is dishonorable. Specifically, I would like NAVY FEDERAL CREDIT UNION / Associates to provide me with all financial credit transactions pertaining to ALL accounts under my name, as well as Tax forms 1099-A, 1099-C, 1096, and 1099 OID as part of my investigation. ( NAVY FEDERAL CREDIT UNION/ Associates are dishonorable and must fix all credit errors promptly and update the account status to true financial credit transactions. )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05
Company: TRANSWORLD SYSTEMS INC
State: TX
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I am a resident physician with medical school loans. These loans are supposed to be in full deferral while I am in residency. This was approved each year. Additionally, I was granted a COVID-19 full deferral where interest is not supposed to accrue through XX/XX/2021. I have dealt with customer service several times on the phone who says the interest will be removed and will stop accruing. However, it continues to accrue each day and my balance continues to increase, in error. I previously placed a complaint for this and it was closed without being addressed. As you can see, I attached my statement showing interest is still accruing, now in the amount of {$120.00}. This needs to be removed and the interest needs to stop accruing. University Accounting Service , LLC has done nothing of substance to actually address this issue. They simply say that I should not be accruing interest, and still continue to charge me interest. This is unacceptable and fraudulent.

Company response to consumer: Closed with explanation