BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-13
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I WAS BANKING WITH NAVY FEDEREAL CREDIT UNION AND HAD BEEN SINCE XXXX AROUND XX/XX/XXXX I HAD MOBILE DEPOSITED A CHECK GIVEN TO ME FROM SOME WORK I DID FOR A CLIENT IN THE AMOUNT OF XXXX XXXX XXXX CHECKS NAVY FEDERAL PUT THE MONEY ON HOLD AND RESTRICTED ME ACCESS FOR 7 DAYS TO VERIFY FUNDS AND THAT THE ACCOUNT WAS ONE IN GOOD STANDING ON THE 8TH DAY IS WHEN I CALLED TO GET A UPDATE AND STATUS OF THE FUNDS IN WHICH SOMEBODY IN THE SECURITIES DEPARTMENT INFORMED ME THAT THEY HAD VERIFIED AND VALIDATED THE FUNDS AND ACCOUNT THEY THEN RELEASE MY FUNDS DUE TO ME NOT.HAVING A CHECKING AT THE TIME I TRANSFERED THE MONEY TO MY SISTER WHO IS ALSO A NAVY FEDEREAL MEMBER SHE THEN TRAMSFER VIA XXXX APP THE ENTIRE.AMOUNT OF THE TWO CHECKS NAVY FEDEREAL THEN COMES 3 DAYS LATER AND WITHDRAWLS XXXX  OUT.OF MY LIL SISTER ACCOUNT SAYING THWY REVERSED THE FUNDS FOR FRAUD EVEN THO THAT WHY THEY.INITIALLY HELD THE FUNDS FOR THOSE 7 DAYS

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-13
Company: NAVY FEDERAL CREDIT UNION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Navy Federal Credit Union has failed to protect me against fraudulent activity.I lost my debit card and there were several irregular charges made on my debit card and when brought to NFCU attention they declined to protect me against fraud. I was told by a representative in order to prove the spending wasn't done by me I'd have to " prove her wrong '' she told me to go and contact each bank and get video footage and receipts ( transactions were out of my occurrent state ) and submit them to navy federal credit union to get my funds back. When asked what investigation was conducted to make their decision she told me she did not have to provide me with that information. 
Navy Federals and their customer service agent conduct and behavior is unacceptable. I have never been treated with such little respect in my life. Their blatant disregard for clients livelihood and financial assets is disgusting!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11
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 information incorrect

Complaint:
XXXX XXXX- I used this company to make a purchase with a merchant by the name of XXXX XXXX XXXX XXXX of XXXX or XXXX. I never received the merchandise still til this day. I contacted XXXX after I paid off my loan with them and explained the situation to them. XXXX told me that the merchant has a no refund policy. In order to return something, you wouldve had to receive something. I reached out to the merchant several times and I couldnt get through. I contacted XXXX several times via phone, email and twitter still no luck. I reached out to my FI ( XXXX XXXXXXXX XXXX ) explained to them what happened, and I disputed the transaction with them. I won my dispute with my bank. XXXX sent my account to a collection agency I submitted proof to the collection agency, and they stated they would no longer collect on XXXX behalf. Then XXXX popped up on my credit report Ive tried to reach out to them again as well as dispute this transaction with experian and they keep knocking it down. XXXX has sold my account to another debt collector and I submitted proof to them as well and they're no longer collecting on their behalf. Im writing this letter in hopes that this error is corrected before it turns legal. You're my last hope please help me. I've submitted all of my proof to experian and have no problem submitting it to you.

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 2023-01-19
Company: JPMORGAN CHASE & CO.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I have been an Amazon customer for many years. In order to get additional points you are required to use their credit card. I had and used Chase CC because that was what was required. 

I managed to accumulate more than {$1500.00} in points. When I reached {$1000.00} they offered to send the money to me however I didn't want the funds to get used for other purposes and I had something I wanted to purchase when it reached {$2000.00} so I said no. 

Chase Bank seemed to have endless security breaches. I was getting many " customer fraud department calls. Dept does not exist however I had to get a new card on more than one occasion because of a compromised account. We have 3 other credit cards and while at the time they didn't get used like our Chase account we have never had these problems with other cards. It is a nuisance to change account numbers. We had many charges go directly to the account and it took months to undo the mess every time we had to change accounts. 

We had another breach last spring ( date? ) and I had had enough and I told them to close the account and send me my reward money.j The agent I spoke with told me I had to get the money from Amazon. If indeed they record their calls, which they say they do, this should be verifiable. 

I spent MONTHS trying to get through to Amazon reward dept,. I keep getting " system down being worked on, ( not the exact verbiage ). I was sent from one customer service person to another. I do have some correspondence from Amazon where they told me if I didn't get resolution from Chase to call them back. I did and endless agents later was told I had to reopen a Chase account. I did and when the account was established I tried to recover my rewards again and was told I the time had elapsed and I had lost the money Back to Amazon, endless customer service people again only to be told they could not help me. I confess I gave up but I just can't let it go. This is a lot of money to me and I feel I was cheated out of the money. 

Any help you could give me would be appreciated. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24
Company: Fidelity National Information Services, Inc. (FNIS)
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I requested debt validation from the bank via certified letter on XX/XX/2022. I gave 30 days notice for the bank to respond and provide me with the information that I requested. I received no response. 

Instead, I received a document from a third party debt collections agency dated XX/XX/2022 indicating the bank had closed my account and the letter stated that they were trying to collect a debt of an alleged amount that I owed the bank. 

I then sent a second letter of debt validation via certified mail on XX/XX/2022 to the debt collections agency requesting the same information. I also gave this company the courtesy of a 30 day period to provide me in writing with validation of the alleged debt, a true bill of the alleged amount they said I owed them, and a completed corporate government employee questionnaire. 

I received nothing in response to this first letter to the debt collections agency. 

I sent a THIRD letter via certified mail on XX/XX/2022 requesting debt validation, and I enclosed a copy of the original letter to the collections agency as well as the certified mail receipt as proof of the original letter. 

In return, I received a letter/statement from the debt collections agency that claimed this statement was the debt validation I had been seeking. This was a statement, not a TRUE BILL, which only showed one month billing, and an alleged overdrawn account with an alleged amount I owed. They did not provide me with the information I had asked for. 

I received another letter from this debt collections agency dated XX/XX/2022, stating that I still owe this alleged amount and demanding that I call them. They have not provided me with what I requested. 


The third party debt collection company continues to ignore my requests, and the company has failed to provide me with validated debt that they claim I owe them. The third party debt collection company continues to harass me via mailed letters demanding I pay this alleged debt for an alleged overdrawn bank account that was never validated. This agency also continues to provide inaccuracies, unverified, and invalidated debt to credit reporting.

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 2023-06-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
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:
I have inquiries that I dont recognize and I call the company and when I speak to a customer service they said someone is going to get back to me and they never do Name of the company is XXXX. XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX this company run my credit the same day I dont recognize them and the day was XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-01
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Equifax and XXXX are reporting fraudulently on my report. The scores they provide are 80 points lower than my XXXX report. I have opened credit accounts in the past few months to boost my scores, but from what I see XXXX and equifax are reporting in favor of ensuring that my scores are enabling financial institutions to charge a higher interest rate, even though I pay every balance before I can be charged interest. This is what I consider as fraudulent reporting to allow banks to charge higher rates, even though my payment history is pristine. 

These agencies must be held accountable. I expect the CFPB to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-13
Company: Experian Information Solutions 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 have received Several copies of my XXXX report which reflects no bankruptcy being reported yet Experian claims the XXXX verified the bankruptcy they are reporting so i am requesting and investigation into why and where the mix up is and why i would like the data furnisher XXXX to communicate with Experian to have this situation rectified asap

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15
Company: NAVY FEDERAL CREDIT UNION
State: AZ
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:
I am currently XXXX XXXX and requested SCRA benefits through Navy FCU and have not received them. I've had my Navy FCU credit card since XX/XX/XXXX and I received my 2nd call to XXXX XXXX in XX/XX/XXXX. I faxed Navy FCU the Request for SCRA Benefits on XX/XX/XXXX. When I called a month later to check on the status they said they had a six month long backlog. During the past few years, as a healthcare provider, I have been working on the frontlines of the COVID pandemic. During this time, instead of Navy FCU decreasing my interest rate to the maximum of 6 %, my rate increased from 10.99 % to 15.74 %. This practice is not compliant with the SCRA law and so I am submitting this complaint.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24
Company: BlueChip Financial
State: AZ
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
On XX/XX/2022 I was issued a {$400.00} payday loan with an interest rate of 460 % by Spotloan.com. 

On XX/XX/2022 they contacted me via phone over a missed payment. I explained my situation & that I wanted to strech the payment out as long as possible. They later explained the best they could do was the end of the month.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX is incorrectly reporting a late payment was made on this account. 

I made a payment via their website in XXXX and the website confirmed a payment was made. Apparently there was a technical glitch on their website and the payment was never successfully processed. I, however, was not notified. XXXX then reported the payment as 30 days late to Experian Credit Bureau. 

I reached out to XXXX XXXX and they stated there was no technical glitch and left me on hold. 

This account has since been paid off in full.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-15
Company: NAVY FEDERAL CREDIT UNION
State: DC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
On XX/XX/XXXX, Navy Federal increased my interest rate from 5.49 % to 15.35 % on my used auto loan. The reason for the increase was they never received a title with Navy Federal as a lien holder. I opened this loan in XX/XX/XXXX and never received any written correspondence from Navy Federal about this matter. Navy Federal could not provide any proof they sent any correspondence giving me notice that they did not have a title in hand. I discovered this matter when I noticed the interest rate increased. After I provided the title with Navy Federal as the lien holder, on XX/XX/XXXX, Navy Federal converted my interest rate back to 5.49 %, effective XX/XX/XXXX and not XX/XX/XXXX. I have requested for Navy Federal to backdate the change to XX/XX/XXXX but they have refused, stating that they did not receive the title until after their 90 day grace period. This is incredibly unfair because I was under the impression that the dealer I purchased the vehicle from submitted the title to Navy Federal. After researching this matter with the DMV, it turns out that the dealer also did not submit the title to the DMV.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-12
Company: EQUIFAX, INC.
State: MT
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:
Please be advised this is my FOURTH WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance.

Despite three previous written requests, the unverified item listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. 

In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these item are being reported correctly? Who verified these account? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ).

Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly UPDATE all information which can not be verified. 

XXXX XXXX XXXX Date opened XX/XX/2015 XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05
Company: Experian Information Solutions Inc.
State: NY
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:
ACCORDING TO 15 USC 1681XXXX - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



XXXX XXXX XXXX XXXX -- IDENTITY THEFT XXXX XXXX XXXX XXXX -- IDENTITY THEFT XXXX XXXX XXXX XXXX- IDENTITY THEFT XXXX XXXX XXXX # XXXX -- IDENTITY THEFT XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX -- IDENTITY THEFT XXXX XXXXXXXX XXXX XXXXXXXX -- IDENTITY THEFT UNAUTHORIZED INQUIRY : XXXX XXXX XXXX XX/XX/2022 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 ) ( 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 of 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 2023-05-15
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I am being charged the {$180.00} that were refunded to me for fraudulent late fees on my account. I called and they said they were going to dispute it supposedly. So now I have a payment due the XXXX, which I am not paying. I was never sent any notice in regards to me having to pay this amount other than the email I received 3 days ago, which I find absolutely absurd when the due date is in 8 days. I dont even know WHY Im being charged the {$180.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-25
Company: EQUIFAX, 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:
I AM A VICTIM OF ID THEFT. SOMEONE USED MY PERSONAL INFORMATION TO OPEN THE FOLLOWING ACCOUNT IN MY NAME { XXXX XXXX, XXXX OPENED : XX/XX/2021 AMT. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24
Company: Shellpoint Partners, LLC
State: LA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
Newrez LLC/Shellpoint Mortgage has failed to replenish and service our escrow account after erroneously taking money out to pay a private flood insurance due to them making an error paying our actual flood policy in a timely manner. 

Although the company finally acknowledge and paid for damages due to the mistake of not paying our policy and replenishing some of the money taken out of our escrow savings, the company has failed to refund the amount back to escrow of {$1100.00} withdrawn on XX/XX/XXXX. 

We have made numerous calls and spoken with many supervisors, all promising that it will be returned to the account as it should be since it was never meant to be taken out. This has been ongoing for 4 months since XX/XX/XXXX with no resolution nor the promised callbacks to verify for us that it has been completed and funds returned. The account does not reflect the amount of {$1100.00} being refunded anytime since then. 

An amount of {$2300.00} was returned on XX/XX/XXXX but the rest still not put back and ever since then it has been a circle of promises and no paperwork showing to us, the homeowners that this is completed. 

This has affected our monthly payments due to creating a shortgage which the company has assesed in a 12 month period, thus in turn making our mortgage higher. This is unnaceptable as we have never made a late payment to our account. If we paid late on the account any lender would want their money no matter what, to even go as far as take the house from us. We only expect better from our lender and so far is a hit or miss. 

We are tired of being lied to and having our escrow money mishandled in such a manner and are asking for assistance in this matter once and for all. Otherwise, we will have to be forced into legal means of fixing this problem as once again, it has created unwanted shortage of escrow, made our monthly payment go up and not returning funds that do not belong to the servicer is to be considered theft and a crime. The servicer was sent a complaint already and letter of error before. Lender fixed that problem but created another, so this is the second and will be the last time before legal recourse is taken by us.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with monetary relief