BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-04
Company: NAVY FEDERAL CREDIT UNION
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
My debit card was used without my consent on XX/XX/2023 in the amount of {$400.00}. I did not authorize this charge or have the card in my possession. I misplaced my wallet on XX/XX/XXXX at a local hospital where I was present for an appointment. I did not notice my wallet was missing until the next morning. I called the hospital and was told it was located and was in lost and found. I retrieved my wallet latter that day ( XX/XX/XXXX ). Seeing that all my cards and ID were present I thought little of it. I noticed about a week or so later that {$400.00} had been charged on my debit card. When I contacted the business that charged the card it was for vehicle lockout service. I asked for the vehicle information and they told me it was for a XXXX XXXX. I told them that I own a XXXX XXXX and my keys can not be locked in my car because my vehicle automatically unlocks the doors if it senses the keys inside the vehicle and the door gets locked. 

I asked them to refund my money and explained that situation with my card. They refused to refund my money. I then contacted Navy Federal Credit Union and they did investigate this incident and issued a temporary refund. Then they told me that because my card was used locally it was not fraud and took the credit back. I do not think I should be responsible for this charge and would like help in getting my funds returned to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-01
Company: CITIBANK, N.A.
State: AR
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
In early XXXX, I found an offer from Citibank to open a new checking account with them ; leave {$15000.00} in the account for 2 months, then they would give a {$300.00} bonus. About 1 and a half months later, the account was closed. After calling customer service, I was told that the account was closed as a result of my lack of response to a call they made to me on XX/XX/XXXX. In fact, my phone log says that I called them back about an hour later the same day. Otherwise, I had received an email on XX/XX/XXXX after activating the debit card they sent me, and on XX/XX/XXXX, saying that my transfer had gone through. However yesterday ( XX/XX/XXXX ) I received an email saying that the transfer did not go through and that the account would be closed. I have a feeling that Citi is systematically closing accounts rather than paying out the bonuses they offered to account holders. I would happily have put the money in a high-interest account were Citi not to have made that offer, but instead, Citi has been making interest on my money and left me out to dry.

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 2023-06-05
Company: Experian Information Solutions 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:
I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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 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 explanation
Consumer complaint received 2022-11-04
Company: EQUIFAX, 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:
Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Credit bureaus was dated XXXX XXXX ; but I never received a response from them. These items must be investigated and deleted in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 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 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 2023-09-07
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On XX/XX/ one of my oldest accounts was closed due to inactivity which severely damaged my credit score. I never received anything that said they were going to close my account or that my account was in jeopardy of being closed due to inactivity or that they could close it due to inactivity. The only reason there was no inactivity is because it was during the Covid pandemic and things were really hard and I was struggling. I caught XXXX a couple times Ive lost people to XXXX, its just been a really hard last few years, I have worked very hard to get my credit score to where it is and because they close this account I lost XXXX points off my credit score, which really hurts and affects me. I was planning on buying a house and now Im not able to because its more difficult with a lower credit score and its taken me years to get my credit score to where it is. I called the credit card company to ask for anything thats says they were going to close it or that they could close it but they said that I should have gotten something after a year but its been 3 years that I havent gotten anything but they said were just now going to send me that information and they said theres nothing else that they could do but to call the credit bureau. I called the credit bureau and they told me the only thing I could do is call CFPB so this is where Im at now submitting a complaint to hopefully get this situation resolved because I dont think its fair that they can close an account without at least giving you a notice so you can have a chance to fix the situation before it happens or tell you when you get the credit card that your account could be closed due to inactivity before you get the credit card not after because the only reason I got the credit card was for that one purchase, had I been told I need to use it to keep it open I would of used it a little to keep it open.

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 2023-09-01
Company: TRANSWORLD SYSTEMS INC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I'm filing a second complaint because the first one my debt had to be validated within 30 days I sent the CFPB pictures of them receiving the letter on XX/XX/XXXX and them sending me back a letter dated XX/XX/XXXX. For some reason tsi systems wrote back that they validated my debt on XX/XX/XXXX and the cfpb did not look at the pictures accepted the response and closed the case. I want a civil penalty for their practices. And they lied to the CFPB on top of it. Just for some reason the CFPB doesn't look at their cases I guess.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-01
Company: Flagstar Bank, N.A.
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Lender refuses to honor my request to remove PMI from my mortgage. In reviewing the Homeownes Protection Act of XXXX I meet two qualifications for removal 1. The signed PMI disclosure for my loan contains XX/XX/XXXX, as the anticipated 80 % LTV date.

2. An appraisal conducted on XX/XX/XXXX, by the lender showed a 80.1 % value. The value is now less than 80 % LTV based on this valuation and principal payments made since the apprasial Lender responded to my written request with a denial letter stating investor guidelines require 75 % LTV before PMI requirements are removed from my loan ; this is contrary to the signed PMI discusure. Multiple requests for additional information from the lender have failed to produce a copy of this guideline. Further, CFPB bulletin XXXX states that the HPA prohibits lenders from applying investor guidelines that restrict a borrowers ability to request removal of PMI when 80 % LTV is actually achieved or at time the estimated 80 % LTV date in the PMI disclosure is reached.

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 2022-11-04
Company: EQUIFAX, INC.
State: NY
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 appreciate if your taking the time to CORRECT some of the information in my credit file ; I discover, there are still other account that need to be UPDATED. The XXXX and Equifax credit bureau must verify this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that this disputed account get corrected. As required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Every XXXX and Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any items of information contained in a my file at XXXX and Equifax is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or update the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. 
XX/XX/XXXXDate Opened : XX/XX/2020 Balance : {$5400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: Navient Solutions, LLC.
State: MD
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I have XXXX private loans through Navient. In total I owe {$90000.00}. My interest rates are 9.25 %, 10.25 %, 11.125 %, and 11.13 %. The cost of each loan combined a month is {$850.00}. I've completed multiple financial statements with Navient to prove I can not afford the monthly payments, I have not been able to get it reduced. I make {$60000.00} a year with getting paid {$1300.00} biweekly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05
Company: EQUIFAX, INC.
State: VA
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:
I wrote letters date, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and my most recent letter date XX/XX/XXXX to XXXX  and Equifax regarding an account being reported by XXXX XXXX  XXXX XXXX Original Creditor : XXXX XXXX XXXX  ). 

The letters were informing them that the debt in inaccurate, and falsely reporting and requested a letter of validation. I later realized that these medical bills were a result of a Virginia State workers comp case and should have been handled by the insurance company XXXX XXXX XXXX since I was hurt on the job. 

These letters were sent to both the credit reporting agencies and the collections agencies. XXXX responded that the account was unable to be verified and deleted it from my credit report but XXXX  and Equifax failed respond to any of my complaints and continues to report this account as being 100 % accurate. 

As a result of this, my credit has been damaged and I've been discriminated against as having bad credit and denied credit because of this false information being reported on my credit report. to this day the information is still being reported inaccurate and false information is being reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04
Company: Experian Information Solutions 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:
The credit bureaus are illegally reporting inaccurate information 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
Consumer complaint received 2023-09-10
Company: ENOVA INTERNATIONAL, INC.
State: OH
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
On XX/XX/2023 I opened a line of credit with Net Credit. My first initial cash advance was for {$2500.00}. Only {$2200.00} of that was deposited as of XX/XX/2023. This represents a 10 % margin on the loan. The unfair aspect of this is that the {$250.00} fee is also added to your cash advance and charged interest. 
The disclosures for the total APR were not provided in a transparent or standard way consistent with the CARD Act or similar legislation. The company uses fairly complicated and possibly deceptive disclosures to hide how high the APR is for this product. Additionally, it appears finance charges are charged for cash advance fees. IE, they bill you not only for the fee, but interest on the fees itself. The disclosures are opaque and do not seem to provide a transparent understanding of the fee structure. Had I had known the APR would be so astronomically high, I would have never borrowed from these folks. Even competitors like XXXX offer similar products for substantially lower APRs. 
Moreover, they use 2 billing cycles in the same month to repay this loan. For one half month period, at a cash advance balance of {$3900.00} ( which includes fees they charged ), they charge {$200.00}. For one month, that's {$400.00}, close to 10 %. That would be an effective APR of 120 %. This is never disclosed clearly in their disclosures. Had I understood this earlier, I would have never borrowed from this company. These seem like violations of UDAAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03
Company: AES/PHEAA
State: DC
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 am eligible for Public Service Loan Forgiveness. The parameters of that program are making 120 qualifying payments while working at a qualified employer on a qualified loan. I made my 120th qualifying payment on XX/XX/XXXX. I submitted my application for forgiveness on XX/XX/XXXX and since then I have received so much conflicting information about the status of my loans. I initially received letters saying I did not qualify and that I did qualify. When I asked about that conflict I was told oh there is no problem. When I called again I was told to resubmit my application, which I did on XX/XX/XXXX. On XX/XX/XXXX I received a letter that Fedloan Servicing had finished my review and approved my application on XX/XX/XXXX and that they would send my file to Department of Education for final review and forgiveness. As of XXXX, my file has still not been sent to Department of Education for final review and forgiveness. Every time I have called I have been given the run around about what date it was sent over, only to find out today that it was never sent over. I submitted an employer certification form every year for the last 10-11years. My payments were all certified as well as my employer XXXX Department of Treasury XXXX. No one at Fedloan Servicing has been able to give me an accurate answer of where my application is in the process, or why it is taking so long. All anyone will say is oh it can take up to 6 months to process. There is no reason why this process is not more transparent, nor is there any reason for the process to take this long. We are now coming up on 3 months from the date I initially submitted my application. At the time of submitting, I had 11 payments out of the 120 that needed to be certified. There is no reason why a review of 11 payments should take so long, especially since most of these were {$0.00} payments under the CARES Act and I certified my employment of working with the federal government. The lack of information and the conflicting information received is a real disservice to their customers. As of today, I still have no received forgiveness nor has my application been sent over to Department of Education by Fedloan Servicing, even though they sent me a letter saying they have approved it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28
Company: AMERICAN EXPRESS COMPANY
State: WA
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
Throughout the month of XXXX, I have tried to use my American Express gift card at numerous merchants in-person and online. Supposedly, the card should be accepted by any merchant that accepts American Express credit and debit cards. 

Instead, I found that the card was declined everywhere. One store asked me to leave once they saw the gift card. I can only surmise that the cards have become synonymous with scammers or something. 

I called AMEX 's support line to try to get the money stuck on the card usable. I was told to every time to wait for 24 hours and try again with a different merchant. Despite doing just that, I found that no one would accept the card. AMEX support refused to offer any other solution.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-05
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:
In accordance with the Fair Credit Reporting act, XXXX XXXX ( Account number ending : XXXX ) has violated my rights. 

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
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 : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX : XXXX, XXXX : XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 2020-04-08
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I called my mortgage servicer on XX/XX/2020. I was told that the only way to repay my forebearance was a lump sum or 40 year loan modification. I've read several news stories about this and I should be able to defer the payments to the back end of my loan. However I was denied this option. My loan is federally backed. I believe I should be able to defer my payments to the back end of the loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation