BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-09-10
Company: NAVY FEDERAL CREDIT UNION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
On XX/XX/XXXX, I submitted a request to Navy Federal Credit Union, to reduce my interest rate to no more than 6 %, per the Service Member Civil Relief Act ( SCRA ). Early XXXX I received a response from Navy Federal Credit Union, and they denied my request because they do not think it applies to me. 

On XX/XX/XXXX, I discussed this matter with my legal office/counsel, and they agreed with me. They instructed me to submit a request through CFPB for resolution. If not solved, my legal office/counsel will process this case to the Department of Justice. 

Per the SCRA, 50 U.S.C. App. 501-597b1 as attached, I am eligible for this request because my loan/credit card debt have originated prior to the current period of XXXX military service. 

I got out of the XXXX XXXX on XX/XX/XXXX, and entered the XXXX XXXX on XX/XX/XXXX. The SCRA applies to me because there was a 12 days break in service. 

According to the SCRA, the term " period of military service '' means the period beginning on the date on which a servicemember enters military service and ending on the date on which the servicemember is released from military service or dies while in military service. As such, the XXXX XXXX ( XXXX ) service and XXXX XXXX ( XXXX ) service are two ( 2 ) seperate period of military services. 

Any debt prior to the period of military service ( XXXX ), must be reduced to 6 % and anything paid more than that, shall be credited back. Even though debts were incurred during the XXXX  military service, it is still considered debts incurred prior to the current period of military service ( USAF ). 

Please read the attached SCRA law for more details, and please be advised again, that my counsel ( XXXX XXXX XXXX XXXX Legal Office ) agrees with this interpretation too. As stated, if not resolved, this case will be processed through the Department of Justice.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
It has been almost 4 months since I submitted my complaint numbered XXXX to the CFPB on XX/XX/XXXX, I still have not received my refund of {$25.00} from Capital One. 

As I stated in my submitted complaint, I closed or ceased all of my Capital One related accounts on XX/XX/XXXX and paid {$25.00} more to my Quicksilver Credit Card of XX/XX/XXXX Payment Due Date on XX/XX/XXXX. Therefore I expect Capital One to refund {$25.00} back to me by mail. I still have not received my {$25.00} refund by mail until today of XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28
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:
I submitted a letter to the 3 Credit Bureaus to remove these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04
Company: Experian Information Solutions Inc.
State: MI
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:
The attached documents show XXXX failed to live up to the terms of the XXXX for my Private Student Loans they acquired from XXXX. 
1. XXXX XXXX XX/XX/XXXX response to CFPB ( page 13 of doc ) explains the loans were in deferment XX/XX/XXXX- XX/XX/XXXX and as such " they did not provide statements. '' Page 10 of the attached doc ( p. XXXX of XXXX ) clearly states repayment conditions. Among these are : 1 ) I may, but am NOT required to make payments during deferment/forbearance periods, 2 ) XXXX was to have supplied statements during the deferment period to keep me abreast of interest accrual and outstanding balances ; 2. XXXX XXXX XX/XX/XXXX states XXXX and XXXX subgroups were in a disaster forbearance that was retroactively applied from XX/XX/XXXX thru XX/XX/XXXX. Therefore no derogatory history should report period ; 3. XXXX erroneously charged off an account that had been in forbearance and/or deferment BEFORE the due date for the statement generated XXXX XX/XX/XXXX ( see p. 19 - 20 ) Thus, XXXX improperly billed and reported inaccurate payment history to the CRAs and violated terms of the MPN because XXXX failed to deliver statements during the deferment and/or forbearance period ( s ). These types of violations are consistent with the haphazard processes that led the CFPB to issue consent order XXXX. 

The situation that transpired is one in which XXXX XXXX failure to properly process deferments and forbearances, and subsequent failures in adjusting statement generation, and billing schedules led to the following harm : 1. Invalid derogatory CO status for XXXX, because invalid processing of forbearance and subsequent deferment resulted in billing and accounting irregularities from XXXX XX/XX/XXXX thru present from, progressing from initial thirty ( 30 ), to ninety ( 90 ), to one-hundred twenty ( 100 ) etc., until the account was charged off without me ever receiving a single bill for periods of deferment, and without receiving revised bills when the disaster forbearance was retroactively applied on or around XXXX XX/XX/XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-03-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
My account was restricted for no apparent reason. When I called Capital One, they said someone would contact me within 7-10 days. I have no idea why the account is restricted or what happened to cause the restriction. When I called in, they all gave me the general run around to wait 7-10 days. I find this extremely abnormal as I am able to call any other credit card company to clear this within hours. There was absolutely no communication from Capital One before they locked my account and there has still been no communication from there.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
There were creditors listed on my credit report that I had completed the debt verification process with. After having not received a response from the creditors to validate the debt I reached out to them a second time and demanded the information be sent or they discontinue reporting set information. Per the guidelines for the debt verification process. All correspondence was completed via US air mail certified. At the 45 day mark, I reached out to all three of the credit bureaus and ask them to remove the information per the FCRA guidelines for the debt verification process, Transunion refuses to remove information that has repeatedly been disputed that has been unverifiable with a creditor yet each dispute comes back as Debt verified is accurate within a day or two of the submission. If they wont respond to me in 45 days via air mail with the hopes of recovering a loss, then they clearly have not responded to the credit bureau to verify that and definitely not within 48 to 72 hour timeframe.

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 2023-03-24
Company: Hayt Hayt & Landau, P.L. (FL)
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have new and updated information regarding complaint number : XXXX. 
Hayt Hayt and Landau P. L. a third-party debt collector is withholding documentation to verify the validity of their claims. I am requesting the original purchase agreement that shows you are the legal owner of this alleged debt. Please include all the terms and conditions that are included in this purchase agreement.

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: JPMORGAN CHASE & CO.
State: MO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Chase via XXXX has not paid out the remaining funds in the escrow account following a fire on XX/XX/XXXX. Chase still is retaining funds in the amount of {$5000.00} without payment of interest and delaying my payment to vendors. 

My mortgage was transferred to Chase from XXXX on XX/XX/XXXX. 

Chase via XXXX refused to schedule an inspection for the first XXXX weeks following my loan transfer. 

I called XXXX on XX/XX/XXXX was told that an inspector would be assigned and contact me in 5 days. I was not contacted in the XXXX business days after this call as promised. 

Then I was contacted by an inspector via text on XX/XX/XXXX at XXXX PM. I called back and left a message and then did not receive a subsequent call back. 

After waiting a substantial amount of time, I called on XX/XX/XXXX and cancelled the in person inspection in order to schedule a virtual inspection. Chase via XXXX only offered me a date for inspection on XX/XX/XXXX at XXXX PM. This was almost XXXX XXXX months after my loan was transferred. I can not rent the property until this inspection is complete. 

To summarize, Chase via XXXX unnecessarily escrowed my funds and refused to pay them out as agreed by making scheduling for inspection highly difficult. This action directly benefits Chase as they are able to accrue interest on escrow funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-24
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I continue to get an automated phone call from American Medical Collection Agency from a local phone number, not a phone number listed on the company 's web site. I take the call and listed to the voice prompts ( XXXX accent ) to get to a live person ( XXXX  accent ). I let the caller know that I have never done business with their company and wish to be removed from automated calls. The person insists that they will remove my phone number and later the same day or following day I get another automated call. I tell the new person calling the same information given previously that I have never done business with their company and wish to be removed from automated calls. I've already performed this same process several times over the past two ( 2 ) weeks with no change. My cellphone call log shows with the phone number listed " Scam Likely '' : 2 calls XX/XX/XXXX, 2 calls XX/XX/XXXX, 2 calls XX/XX/XXXX, 2 calls XX/XX/XXXX, 2 calls XX/XX/XXXX, 2 calls XX/XX/XXXX, 2 calls XX/XX/XXXX, 2 calls XX/XX/XXXX, 2 calls XX/XX/XXXX, 1 call XX/XX/XXXX, 2 calls XX/XX/XXXX, 4 calls XX/XX/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 2023-04-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
account closed over 7 years please remove 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 non-monetary relief
Consumer complaint received 2023-04-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 several attempts to notify you that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services, or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from alleged identity theft. 
XXXX XXXX XXXX XXXX XXXX, MD XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  MD XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XX/XX/XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX Balance : {$570.00}

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 2022-10-28
Company: AMERICAN EXPRESS COMPANY
State: GA
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:
An individual American Express Account number that I did not open is reporting on my XXXX Credit Report as a charge off. That is not the individual American Express account number or physical credit card that I have on record in my personal files, nor has American Express ever contacted me about that account number. XXXX XXXX claims that it conducted a reasonable investigation which involved contacting American Express to verify the account. That account information is inaccurate. XXXX XXXX is noncompliant and negligently violating my federally protected rights to 100 % accurate and fair credit reporting. I have requested verification numerous times on this matter from XXXX XXXX and filed several, prior complaints through the CFPB, one of which is still open. Please see the attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
Dear Sir/Madam, I am writing to dispute the two hard inquiries on my TransUnion credit report that were made on XX/XX/, by XXXX XXXX XXXX  and XXXX  for auto financing. These inquiries were not authorized by me, and I believe they were made fraudulently. 

As a responsible borrower, I always keep track of my credit report and make sure that any inquiries made on it are legitimate. However, I was shocked to find two hard inquiries on my TransUnion report for auto financing, as I have not applied for any auto loans recently.

I have never had any business dealings with either XXXX XXXX XXXX  or XXXX and have never authorized them to check my credit report. I strongly suspect that someone has fraudulently used my personal information to apply for an auto loan, resulting in these unauthorized inquiries.

As a victim of identity theft, I urge you to take immediate action to remove these fraudulent hard inquiries from my TransUnion credit report. I am ready to provide any additional information that may be required to prove that I did not authorize these inquiries.

I have always been diligent about maintaining a good credit history, and these fraudulent hard inquiries have the potential to harm my credit score. I urge you to take swift action to investigate and remove these unauthorized inquiries so that my credit history remains untarnished. 

Thank you for your prompt attention to this matter. I look forward to a speedy resolution of this dispute. 

Sincerely, 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 non-monetary relief
Consumer complaint received 2023-03-24
Company: Bridgecrest Acceptance Corporation
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Ive disputed this debt numerous times trying to verify an original contract and balance information. I have never received validation or information on original balance. There has not been a note or memo on collections to reflect my dispute. Lastly this company every month puts an inquiry on my report and updates the balance every 30 days. This company is harassing 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
Consumer complaint received 2023-08-23
Company: Phoenix Financial Services LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
This company has called me today the day before and many other days which I have logged in my phone book from 3 different numbers after I told them if they fail to explain who they are and what they are calling for then I do not want them contacting me and told them to take me off the call list and blocked 2 numbers and they call from different numbers. They have poor attitudes hang up in your face call right back and have smart tones and act like you don't know the law. I once told them if they keep harassing me I would report them that it'd illegal if i verbally told them to stop contacting me until I contact them back and she laughed and hung up in face and called again 20 minutes later.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-24
Company: WELLS FARGO & COMPANY
State: ID
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Part 3 of complaints with Wells Fargo. I had to call the " executive office '' today to find out why there was a failure a second time to contact me with a solution to the mistakes made by Wells Fargo. The first thing I'm told this time is they wanted to get to a resolution on XX/XX/XXXX. This is the third time they failed to rectify some serious mistakes they have made and refused to contact me regarding such. I was assigned a new agent and again, " they are not available. '' This is a continuous pattern of intentional neglect of consumer rights and banking policy. They refuse to work with customers and refuse to work within policies.

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 2022-03-07
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
There are several problems with this bank and they are impossible to communicate with. 1. I am being charged for all incoming/outgoing wires. I was never informed of this before the transfer of my account from XXXX  to Citizens. Prior to Citizens there was no fee for wires 2. Supposedly I can not deposit more than 50,000 a month on my mobile device. This is a problem as I can not walk to the bank every time I want to deposit more after that. 3. When I deposit checks at a branch, since the mobile app does not work, I need to be Able to see the deposits online. 

I spoke with someone on Saturday about these issues and they were unable to help. They told me someone would call today at XXXX and nobody did. 

These problems need to be resolved for me to stay at Citizens bank or else there is no point as the offerings are uncompetitive.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-13
Company: AMERICAN EXPRESS COMPANY
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
The Stimulus check arrived today into my American Express serve card and many people myself included can not access any funds in the bank, their online website and mobile app is fully down, and their phones are disabled. Additionally I got this card when I filed taxes this year and have yet to receive an actual card, I have been having to use the temp card number they give online with XXXX XXXX, they supposedly sent a replacement card 2-3x but I never get the card, verified with my postal office that the issue is not on their end. Without that card their is no option for me to transfer or withdraw my funds ever.

Company response to consumer: Closed with non-monetary relief