BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-07
Company: AMERICAN EXPRESS COMPANY
State: NC
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: Card was charged for something you did not purchase with the card

Complaint:
I'd like to request CFPB ' assistance resolving an on-going fraud protection investigation case with American Express Bluebird in the amount of {$2100.00} in fraudulent online charges I incurred on my Bluebird card on XX/XX/XXXX and XX/XX/XXXX, that appears hopelessly stuck in AmEx 's recurring, on-going investigation process. 

Further, Amex has zero adherence to their most basic fraud protection provisions defined in their user agreement, which states Amex will provisionally credit the fraudulent charge amount within 10 day 's of opening the investigation if the investigation requires additional time. I asked Amex CR representatives about this provision and they verbally acknowledge they don't comply with their written policies, which is disturbing because AmEx advertises fraud protection as a selling point. 

Event history below : - XX/XX/XXXX & XX/XX/XXXX, I incurred over {$2100.00} in fraudulent online charges on my American Express Bluebird card. One of the fraud charges included a very large overseas online purchase from XXXX in XXXX XXXX for {$2000.00}. For some reason Amex apparently doesn't trigger fraud alerts on large, overseas online purchases out of XXXX, which Amex couldn't explain. 

- XXXX : I notified Amex about the fraudulent charges after I logged onto my account and immediately called AmEx 's fraud protection number to initiate an investigation - XX/XX/XXXX : Amex declined all fraudulent charges. Although each fraudulent charge was disputed as a separate claim, Amex declined all because they intercepted a single fraudulent purchases before it shipped - because the merchant was going to refund that item, they said they had to decline all fraud charges and directed me to reopen the exact same claim again for the remaining items. 

XX/XX/XXXX : I reopened the same claim per Amex 's recommendation ( minus the one item Amex was able to intercept as mentioned above (. I asked Amex about the 10 day provisional credit because I have to pay my household bills out of this account, which they said they would apply if the investigation isn't resolved in 10 days. The provisional credit was never applied XXXX : Amex again declines all fraudulent charges because one of the smaller purchases for approximately {$50.00} ended up being a legitimate purchase but the merchant id was mis-labeled in Amex 's transaction detail as PDF which was a completely unrecognizable vendor. All other legitimate fraudulent charges were declined as a result. 

XXXX : Reopened the claim again per Amex 's recommendation minus the single item mentioned above. 

XXXX : Called AmEx requesting for an update on the investigation and the provisional credit as it's been over 60 days since the original claim was submitted but Amex had no update and suggested I keep waiting, which is unacceptable.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-02
Company: MOHELA
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
Formal Complaint Regarding Unethical Conduct by XXXX XXXX Resulting in Loss of Credits and Accumulation of Student Loan Debt Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against XXXX XXXX, pertaining to a distressing and unethical situation regarding my student loans and academic credits. The incident took place during my enrollment at XXXX XXXX, and the subsequent ramifications have left me in a highly unfavorable financial and academic predicament. 

I attended XXXX XXXX  and relied on student loans to finance my education. Regrettably, all the funds disbursed through these loans were utilized by the university, and when I transferred to a new institution, I was not granted the academic credits I deserved for the time I spent at XXXX XXXX. Despite completing coursework that should have amounted to 30 credits, I received zero credits from XXXX XXXX. 

This unethical conduct on the part of XXXX XXXX  has had far-reaching consequences on my academic progress and financial well-being. I am burdened with a significant amount of student loan debt, yet I have nothing to show for it in terms of academic credits or a meaningful education from the institution. 

I am seeking your assistance in addressing this issue and requesting a thorough investigation into the conduct of XXXX XXXX. I urge the Consumer Financial Protection Bureau to : Investigate the financial practices of XXXX XXXX  and the misappropriation of the student loan funds meant for educational expenses. 

Investigate the unjust denial of academic credits earned during my enrollment at XXXX XXXX. 

Advocate for appropriate compensation, credit transfer, or debt relief that aligns with the academic credits I rightfully earned. 

I have attached all relevant documents, including loan disbursement records, academic transcripts, and any communication with XXXX XXXX  that may assist in your investigation. 

I kindly request that you keep me informed of the progress of this investigation and the steps being taken to rectify this situation. Your prompt attention to this matter is greatly appreciated. 

Thank you for your assistance in resolving this distressing issue. 

Sincerely, 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 2023-11-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I am contacting to request removal if unauthorized/fraudlent inquires from my transunion credit report. 
My personal information was shared with a scammer a while ago my personal information was compromised. I have no knowledge of these inquires and want to have these removed under consumer protection. Kindly work on my report and fix it by removing false information. 


I have attached injury and their dates below. Remove these XXXX XXXX XXXXXXXX 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 XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX : XX/XX/2022 XXXXXXXX XXXX XXXX XXXXXXXX XXXX Again I request you to remove these unauthorized/fraudlent inquires. I expect transunion complete this as soon as possible.

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 2023-11-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$46000.00} 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 2023-11-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I am a victim of identity theft please remove this fraud inquiry 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 2023-02-24
Company: CITIBANK, N.A.
State: NC
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I opened a CitiBank XXXX XXXX account on XX/XX/XXXX that had a bonus of {$150.00} for depositing $ XXXX and {$450.00} for depositing $ XXXX. I have been a CitiBank customer since XXXX using their XXXX XXXX  credit card weekly. 

I initially funded my account through a XXXX XXXX savings account with {$10000.00}. On XX/XX/XXXX I transferred funds from my personal XXXX account in the amount of {$10000.00}. Those funds were from my XXXX. I sent over another $ XXXX from XXXX XXXX, and then moved {$6200.00} from Citi to my XXXX checking account. My current balance with CitiBank is {$25000.00}. 

On XX/XX/XXXX I was informed that my savings account was being closed for suspected fraud and my credit card was closed as well. The transaction in question was the {$10000.00} that came from XXXX. Citi claims they could not verify funds came from an account I owned. I can't help that the deposit did not say my name. I'm sure I'm not the first Citi customer to transfer funds from XXXX. In order to make the transfer XXXX made XXXX small deposits and a withdrawal from my account which I verified through my XXXX account. That should have sufficiently proved my ownership. 

I called Citi to get this cleared up and was told they were not interested in my providing proof of my ownership of that account and my accounts would be closed. 

I now have to wait XXXX XXXX to receive my {$25000.00} from my account. I have bills to pay in the meantime and can not wait that long. There are no Citi branches in my state to travel to to get the money sooner. It is absurd that they offer a bonus for a large deposit and then close my account when I try to follow their rules for the bonus.

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 2023-03-10
Company: MONEY SOURCE, INC., THE
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 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 an account without my written instructions. Under 15 USC 's 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 2021-11-07
Company: PENTAGON FEDERAL CREDIT UNION
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
On XX/XX/2021 i applied for credit in which i was denied for the amount of {$12000.00} and received an adverse action letter from penfed credit union. Pursuant to 12 CFR 1002 regulation b, it protects applicants from discrimination in any aspect of a credit transaction. Penfed has discriminated against me and discouraged me to extend credit. Also pursuant to 15 USC 1681a ( k ) ( 1 ), it was never mentioned a denial for credit. Penfed has violated my federally protected consumer rights and has caused emotional and mental stress after reading the adverse action form sent to my home, showing they are willingly and knowingly taking action in false and misleading practices. Such violations hold penfed criminally and civilly liabel. Attached to this complaint is the adverse action form from penfed. There is no third party involved in this complaint, i XXXX XXXX give authorization for the CFPB and PENFED CREDIT UNION to move forward with this complaint.

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 2023-11-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting 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:
Certainly, you can include the specific details in the dispute letter. Here 's an updated section to include the unauthorized inquiries you mentioned : " " Dear TransUnion, I am writing to formally dispute several inquiries on my credit report that I believe are unauthorized. Upon reviewing my credit report, I noticed the following unauthorized inquiries : 1. Inquiry Date : XX/XX/ Creditor : XXXX XXXX ( Finance ) 2. Inquiry Date : XXXX XXXX XXXX  Creditor : XXXX XXXX ( Auto ) 3. Inquiry Date : XXXX XXXX XXXX Creditor : XXXX XXXX XXXXI ( Finance ) 4. Inquiry Date : XXXX XXXX XXXX  Creditor : XXXX XXXX XXXX ( Finance ) 5. Inquiry Date : XXXX XXXX XXXX Creditor : XXXX XXXX XXXX ( Bank ) 6. Inquiry Date XXXX XXXX XXXX XXXX Creditor : XXXXXXXX XXXX XXXX ( Auto ) I have not initiated any business transactions with the aforementioned creditors on the mentioned dates. As a result, I request that TransUnion conduct a thorough investigation into these inquiries and provide me with a written explanation of the findings. 
" " Feel free to incorporate this into the rest of your dispute letter.

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 2023-11-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 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 XXXXXXXX Balance : {$1500.00} XXXX XXXX Balance : {$4600.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$5400.00} XXXX XXXX XXXXXXXX Balance : {$11000.00}.

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 2022-04-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 called the three reporting agencies about some fraudulent inquiries I found on my credit report. Each bureau told me to file a ftc report and I did just that along with my dispute letter, id, copy of my social security card, and copy of a utility bill. Its been well over 50 days and nothing has happened, the fraudulent inquiries are still there.

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 2023-11-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am submitting this complaints in response to a notification on my credit report. The files reported are inaccurate and erroneous and are leading to a negative impact on my credit file. I am including proof with this letter and the following information on the credit report is incorrect. The account are listed below that needs attention : XXXX XXXX  XXXX Balance Owed : {$5400.00}, XXXX XXXX XXXX XXXXXXXX Balance Owed : {$1800.00}, XXXX XXXX Balance Owed : {$170000.00}

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 2022-07-06
Company: EQUIFAX, INC.
State: TN
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 PERSONAL INFORMATION WAS COMPROMISED AGAIN LAST YEAR AND MY CELL PHONE NUMBER WAS HACEKD AND SPOOFED AND SOMEONE HAS USED MY INFORMATION TO OPEN UP LOANS AND FRAUDULENT ACCOUNTS USING MY SOCIAL SECURITY NUMBER AND I HAVE A POLICE REPORT ALONG WITH MY FTC REPORT TO PROVE THAT I HAVE BEEN A VICTIM OF IDENTITY THEFT THE NEXT STED I WILL BE TAKING IS TO GET MY LAWYERS INVOLVED TO STOP THIS FRAUDULENT ACTIVITY THAT EQUIFAX JUST KEEPS ALLOWING TO TAKE PLACE ON MY CREDIT REPORTS AS THIS IS THE REASON I MY EQUIFAX CREDIT REPORT WILL NOT ALLOW ME TO USE MY CREDIT FOR BUYING A HOME BECAUSE THERE FRAUDULENT ACCOUNTS THAT ARE NOT BEING DELETED AS YOU ARE IN COMPLETE VIOLATION OF 15 U.S. CODE 1681C AND THERE ARE UNAUTHORIZED INQUIRIES ON ALL 3 OF MY CREDIT REPORTS THAT NEED TO BE DELETED IMMEDIATELY 1. 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 response to consumer: Closed with explanation
Consumer complaint received 2021-11-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Unknown credit inquiry from Bank of America

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 2022-04-09
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Today, XX/XX/2022 I entered into a consumer credit transaction with American Express. American Express denied me of my own credit. Pursuant to 16 USC 1691 ( d ) ( 6 ) I, a consumer can not be denied for credit ( only insurance and employment ) after the transaction was already complete with the credit application. Pursuant 15 USC 1601e ( b ) failing to comply shall be liable for punitive damages in an amount not greater than {$10000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
Trying to have Capital One transfer my IRA to XXXX Original Request was XX/XX/21 Second Request was XX/XX/21 Still no transfer

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-23
Company: Movement Mortgage LLC
State: HI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage
Sub-issue: Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure

Complaint:
To Whom It May Concern, I am writing to formally lodge a complaint regarding the handling of my FHA loan associated with the property located at XXXX XXXX XXXX, XXXX XXXX, CA XXXX. Despite having a buyer and an accepted offer for my property, I am facing significant obstacles due to Movement Mortgage , LLC 's refusal to proceed with the loan assumption process, compounded by a concerning lack of internal communication within the company. 

Background : As a homeowner managing an FHA loan for the aforementioned property, I unfortunately fell behind on a few payments. In response to this situation, I listed my home for sale in early XXXX and successfully found a buyer, a highly qualified doctor, willing to pay the full price. An offer was made and accepted by me in good faith. 

In collaboration with Movement Mortgage, I filed a claim to bring the mortgage current by adding the missed payments to the back end of my loan and signed a promissory note to this effect.

Issue at Hand : However, I have encountered a significant and distressing roadblock. Movement Mortgage is refusing to proceed with the loan assumption process for the buyer, citing the reason that the loan is not current. This is perplexing and misleading, given the claim filed and the promissory note signed specifically to address this issue.

Moreover, there is a glaring issue of internal miscommunication within Movement Mortgage. When I interact with different departments, including customer service, loss mitigation, and the loan assumption department, it becomes evident that they do not have access to or do not share records of the activities and decisions made by the other departments. This fragmentation in communication has led to an extremely frustrating experience, as it seems like the left hand does not know what the right hand is doing, creating unnecessary barriers in resolving my situation.

Request for Resolution : I am earnestly requesting an immediate investigation and resolution of this matter. It is crucial that Movement Mortgage facilitate the loan assumption process expeditiously to allow the sale of the property to proceed as agreed upon with the buyer. Failure to address this issue promptly will result in significant financial damage and will negatively impact all parties involved.

I also intend to request that the Consumer Financial Protection Bureau ( CFPB ) investigate this matter, as the current situation seems to be in violation of fair lending and servicing practices.

I expect a prompt response to this letter, outlining the steps that will be taken to rectify this situation. My aim is to resolve this matter amicably and efficiently, without the need for further escalation. 

Thank you for your immediate attention to this serious matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation