BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-05-15
Company: NAVY FEDERAL CREDIT UNION
State: NY
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
On or about  XXXX / XXXX /  XXXX    XXXX   XXXX  was instructed to lock a mortgage rate of  3.375 with 0 Discount points and one percent  origination. She chose to ignore instructions and instead placed a phone call after hours asking for clarification. When rates went up and it was communicated to her that she should have locked it and I wanted the rate locked on those terms, she locked the rate without clarifying terms and conditions on the date of the communication after the rates had gone up.     Addition ally, Navy Federal re fuses to honor the language of Section C of its price Commitment and insists on charging an additional  XXXX  dollars to close the loan in violation of the language in it 's own documentation.     I vehemently protested  XXXX   XXXX  's locking of the rates without clear instructions to  XXXX  and  XXXX  but even though they both admitted to not being attorneys and refusing to have counsel review the documents they interpreted the emails and documents in their favor.     I specifically told Navy Federal Credit Union I would not pay for  XXXX  's Mistake and rather than inform me they would not change the rates they waited until closing in an attempt to  bully  me to accept their higher terms. Furthermore, the  Credit Union  refused to provide the commitment letter in order to timely process the loan to my agent stating that they needed additional documentation on or about  XXXX   XXXX    XXXX   when they had already published the letter.     Navy Federal Credit Union also waited until the business day scheduled before closing to verify employment information and ascertain child care costs, ensuring it would cause delays and profit from higher rates.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-30
Company: EQUIFAX, INC.
State: MI
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:
On XX/XX/2023 I sent a letter to XXXX, XXXX, and Equifax to investigate my inaccurate accounts on my credit report. It has been over 30 days, and I feel like I'm being taken advantage of, these consumer reporting agencies are in violation section 15 US code 1681i it states that failure to investigate within 30 days gives a reason to remove those items from my credit report, it has been over 30 days so they should be deleted ASAP I demand these accounts be deleted ASAP or I will be filing for litigation due to the stress this has caused me, from getting a promotion with my company. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong persons. The evidence will be attached below.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-29
Company: EQUIFAX, INC.
State: HI
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 have disputed the late payments on this XXXX XXXXXXXX account for months. XXXX and XXXX  have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a  lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11
Company: SYNCHRONY FINANCIAL
State: VA
Product: Credit card
Sub-product: Store credit 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:
In XXXX of 2022 I purchased a power tower, Olympic bar, pull up bar, barbells, dip bars, and weight bench. The pull up bar was missing items, the dip bars were cross threaded and missing items, the weight bench was torn and missing spacers, the barbells never even arrived. 

XXXX refunded the barbells and promised a 20 % refund for the order as well as I could keep the dip bars and pull up bars with a full refund on that. I only received the refund for the Barbells. 
I have since then filed an excess of claims with Paypal, had them approved, and then had the charges reassessed. I have had 2 American customer service agents agree the charges shouldn't have been reassessed. 

I have spent in excess of 20 hours on the phone with these people instead of working for my customers.

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 monetary relief
Consumer complaint received 2023-06-07
Company: Experian Information Solutions Inc.
State: TX
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 my 6th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX Balance : {$590.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1700.00} XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance {$590.00} XXXX XXXX XXXX Balance {$1700.00} XXXX XXXX XXXXXXXX Balance {$530.00} XXXX XXXX XXXXXXXX Balance {$0.00} XXXX  XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$0.00} XXXX XXXX XXXX XXXXXXXX Balance {$0.00} XXXX XXXX XXXXXXXX Balance {$590.00} XXXX XXXX XXXX Balance {$1700.00} XXXX XXXX XXXXXXXX Balance {$530.00} XXXX XXXX XXXXXXXX Balance {$110.00} XXXX XXXX XXXXXXXX Balance {$0.00} XXXX  Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXXXXXX 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 2023-04-04
Company: Experian Information Solutions 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. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 u.s.c 1681. 
XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX  XXXX # XXXX XXXX XXXX # XXXX 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 ) ( s ) 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 then records of the convictions of crimes which antedates the report by more then 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 it the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-08-01
Company: Rocket Mortgage, LLC
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I received a call from Rocket Mortgage XXXX, a lady name XXXX, dont remember her last name started the conversation as if we have already talked regarding a mortgage loan. She asked for my SSN to run a credit and I gave her the information. 
I then realized that she wasnt from the company I am working with and questioned her, then I called the agent I am working with, and she explained that since most of the information is published, other mortgage companies do try to sell people mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19
Company: U.S. BANCORP
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
a credit card was fraudulently opened in my name, through the XXXX XXXX XXXX XXXX through US Bank and the financial institution sent me a letter stating it was closed as fraudulent, but yet the account remains open and took me to collections when I have never opened an account, nor have I ever had that financial institution. They never call back when calling and getting voicemail. They say they never receive the police report that I have sent them 3 times.

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 2017-05-15
Company: EQUIFAX, INC.
State: MD
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 filed a dispute with  XXXX ,  XXXX , and Equifax in reference to the bankruptcy reporting inaccurately on my credit report. They stated that it was reported by the  US bankruptcy court. I sent a letter to the US Bankruptcy court o n  XXXX   XXXX ,  2016  and they sent me a letter back stating that th e US Bankruptcy court does not report to the credit bureaus, and therefore they have no control over the information contained in my report and that I may want to work w ith the bureaus directly. I Then sent a letter to   XXXX    XXXX , and Equifax on  XXXX / XXXX / 2016  advising of the letter that I received from the courthouse and they sent me a letter back stating that this has already been disputed and they will not reinvestigate and I will need to contact the courthouse. I have contacted the courthouse and provided  XXXX ,  XXXX , and Equifax with the information that was given to me and they fail to reinvestigate. It is my understanding that reporting false information is a violation of the Fair Credit Reporting Act, and by them claiming that they received the information from the court, when they did not is a complete violation and that means that false information is being reported on my credit report for the Bankruptcy and  Tax Lien. The tax lien is showing that the courthouse is the furnisher of that when clearly they are not. I called the courthouse for the information pertaining to the Tax Lien and th ey told me the same thing.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-13
Company: EQUIFAX, 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:
XX/XX/XXXX I sent all requested documents to XXXX XXXX and Equifax stating that I was a victim of identity theft also I opened a dispute with both XXXX XXXX and Equifax. This account has been deleted from both XXXX  and XXXX but it's still reporting in Equifax. In addition during the time of identity theft I was hospitalized as well as home bound due to my XXXX diagnosis.

I've also completed and faxed the ID Theft Affidavit to XXXX XXXX XXXX on XX/XX/XXXX. I have not received a response or updates on the status of my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19
Company: WELLS FARGO & COMPANY
State: NV
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Fraud on XXXX transfer of money. The crook spoofed the customer service number of XXXX XXXX XXXX on XXXX XX/XX/XXXX. He asked if I made a XXXX transfer on specific date, dollar amount and to who. I have never used XXXX on my accounts. He wanted to help stop and cancel the transfer. I said I would call XXXX myself. I hung up and called XXXX customer service and noticed that the caller had he same number of customer service. I left a message for XXXX fraud department. Shortly I received a call back, only it was the crook again. I trusted that this was indeed the bank. They led me through a service of cancellation number, which turned out to be a transfer of money from my checking account. XXXX has an excellent fraud detection department and tagged and paused the transfer to XXXX. The caller asked if I had XXXX on other accounts and I replied Wells Fargo. He had me log into this account and the same series of numbers, which he said were cancellation codes. I received a text from Wells Fargo that my account reached XXXX balance. I told this person, who I thought was XXXX XXXX XXXXXXXX. He then hung up. 
I immediately contacted XXXX. They were excellent and " failed '' the transfer. 
Wells Fargo opened a claim for the {$980.00} removed from my checking account illegally. 
They followed up with a series of 3 letters, the last one stating they closed my claim. 
I followed up with them on XX/XX/XXXX with a phone call. Wells Fargo did submit a request from the receiving financial institution to have the funds returned. This has not happened.

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 2019-01-24
Company: CIG FINANCIAL LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I have received repeated phone calls from CIG Financial for YEARS. 
They are looking for a person named, " XXXX XXXX ''. Each time they call, I inform them that I no one by that name resides here nor do I know anyone by that name. I then tell them to stop calling my phone number. 
Yet, they continue. This has gone on since I have had this phone number ( many years, now ). 
I have asked to speak with a manager or supervisor only to be put on hold indefinitely. 
The latest call was today, XX/XX/2019 at XXXX XXXX, EST. 
My caller ID says they are calling from XXXX

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-15
Company: Big Picture Loans, LLC
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Was approved for a loan, but didn't receive the money

Complaint:
I believe this company to be shandy and as scam. They have said that I 'm both approved and not approved at the same time. They have a lot of back noise going on when they 're on he phone and it sounds like they 're using machines to change their voices.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-29
Company: WELLS FARGO & COMPANY
State: MN
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:
Last Friday XX/XX/2018 a payment came through via ACH for {$120.00}. There was {$64.00} in the account when it came in and put it negative a few pennies over {$65.00}. I was able to deposit enough funds to cover the negative amount by XXXX CST and the transaction was still returned to the source and I was charged a {$35.00} Returned Item Fee. 

Wells Fargo seems to not have a reason to why they pay some items versus return other items. Two weeks ago I had three transactions come through that made the account negative for {$50.00}, {$18.00} and {$9.00}.?? / Wells Fargo paid the three and no fees were Incurred. I asked the rep when calling in today why they returned it when there were adequate funds in the account to cover the transaction before close of business. 

The rep told me she has no idea and doesn't know what to tell consumers and blames it on a " system '' issue. I asked for a reversal for the {$35.00} returned item fee, as it should have not been returned as there were funds before close of business. 
She put me on a few minute hold and came back and said they will refund 25 % of the fee itself, I denied that and it escalated to XXXX who was a supervisor. XXXX said he can have 75 % of the fee refunded. This is a slap in the face to me as a consumer because they are negotiating a fee I should have never received and wasting my time to do so. 
After hundreds of millions in fines they still have grey-area policies in place to bilk consumers out of more fees. By the end of the call XXXX did state he was able to refund the entire fee. 

I am filing this complaint to notify the CFPB that this is currently going on at Wells Fargo and feel that there are many more consumers that are having to play auctioneer with Wells Fargo to get their own money back.

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 monetary relief
Consumer complaint received 2023-03-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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: Was not notified of investigation status or results

Complaint:
I am writing to request the removal of inquiries from my credit report that are not tied to an active account. As per the 15 U.S.C 1681 Congressional findings and statement of purpose, I have the right to request the removal of inquiries from my credit report.

These inquiries are defaming my character and preventing me from obtaining a mortgage to buy a home. Despite submitting multiple letters and making several phone calls to your company, I have been unable to get a representative to assist me. Instead, I have been transferred from one person to another without any resolution.

Therefore, I kindly request that all inquiries that are not tied to an active account be removed from my credit report. These inquiries are not tied to an active account and are defaming my character, and I request that they be removed immediately. 

I appreciate your prompt attention to this matter and look forward to hearing from you soon.

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 2017-05-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
My problems started when I got sick bank of america started to deny any help  2007 I   feel they discriminate again me because they alway have excuse for not helping me with with my morgage I have to pay a lawyer to get bank of america out of taking my house away they discriminate against me become I have  XXXX  and the true they they responsible for my   XXXX   and   XXXX   I did n't have this issues before I only had fiscal problems at the beginning my heath problems I was hoping to have  XXXX  and go back to work but they play with mi mind so much that I have gotten feel so badly that I have been in the hospital for trying to end my life I do n't understand why they can do anything they want and get away with it .I hold them responsible for any thing I can do to my self become of this fraud they are committed against me

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