BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Bank : CapitalOne I have a XXXX Money Market Savings account that is currently paying interest of XXXX XXXX I thought it was very low and looked on their website and found that they do not show the XXXX Money Market account but now show a XXXX Performance Savings account at an interest rate of XXXX XXXX with no minimum balance. The manager I talked to could not explain any difference in the rules for the new account vs the old. 

The bank states that they have no way to retroactively make this right. My only option is to open a new account and transfer the funds after the fact. 

My complaint is that banks can simply change the name of the account and offer a higher rate while the existing customer is not notified that higher yields are possible. This practice is deceptive and only benefits the bank. It is very costly to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17
Company: EQUIFAX, INC.
State: NJ
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 XXXX account # 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 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-19
Company: EQUIFAX, INC.
State: AZ
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:
This complaint is regarding the credit unions namely XXXX, Equifax and XXXX. My identity was compromised in the year XX/XX/2016 which I was not aware of then. I received my social security number around that time and not being originally from the United States of America, I was not aware of the term identity theft and how it can affect your life. Unfortunately, being a victim of identity theft myself it has not been easy life since the year of XX/XX/2016. It has been over 2 years since I am constantly requesting and disputing accounts in my credit report which was not opened by me. The credit bureau has not been very cooperative, I have sent several letters stating to send me proof of verification or else delete the accounts. 

Equifax deleted all unverified accounts but failed to remove all non-account holding inquiries. 

XX/XX/XXXX and XX/XX/XXXX did not delete any unverified account, nor did they send any verification of the accounts. 

I request Consumer Financial Protection Bureau to help me with this issue and protect my rights as this issue has affected me emotionally as I can not purchase a vehicle or house for myself or my family. This inconvenience caused to me for all these years and I would want to be compensated for my time and struggle.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-03
Company: EQUIFAX, INC.
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:
I'm complaining AGAIN that I was a victim of identity theft with this. As per Fair Credit Reporting Act Section 605B ( a ), you must remove or block any items that were opened without my knowledge, consent, or authorization within 4 business days after receiving the following : ( 1 ) appropriate identification proof ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is unrelated to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XX/XX/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 XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14
Company: PENTAGON FEDERAL CREDIT UNION
State: CA
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
Good Morning, I have had account with PenFed Credit Union for quite some time. I opened a personal loan with PenFed in XX/XX/XXXX  for {$20000.00}. The outstanding balance is {$17000.00}. Since the beginning of this loan, I have made payments on the loan from my primary checking account ( XXXX XXXX ). Within their system, there has always been an option to click " Make a Payment '' then select the external account that you would like to use to make the payment. I have a credit card and two loan accounts with PenFed. The pay from my XXXX XXXX account option still remains there for my Credit Card. However, when I attempt to pay ( either from the app, or by logging into the website ) the option is no longer there. It does say to add an external account. So I go through the steps to add an external account, and at the end, it says that the account is already connect. However, it doesn't appear, or let me use it to pay. 
When I called in the first time, they advised there was an issue and they would enter a ticket for it. Today I called in and told them I still am unable to pay. The representative offered to process a payment over the phone. I agreed and the payment was processed. However, I told her that I do not want any late fees or negative reporting because your system would not allow me to pay. She laughed and said no you will still get the fees and negative reporting. 
There is a level of responsibility that a lending institution must have, when it comes to the products that they offer. If I called in and advised them of the program, that they refuse to fix it, that is a level of dissatisfaction that I am not happy with. 
I am not trying to not pay a loan at all, remember I am the one that called in today. I just do not think it is fair to receive any penalty or adverse reporting when their system is broken and will not allow me to pay.

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 2023-01-17
Company: Movement Mortgage LLC
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Movement Mortgage LLC was disbursed home owners insurance check for XXXX. XXXX has been released after weeks of phone calls and no show, no contact with inspection company. Inspection must be done in order to release funds. XXXX returned phone call last week and put in a direct call to inspection company XXXX XXXX XXXX XXXX ). Inspection company nor mortgage company has reached back out to schedule. Thus withholding funds. I have had to use my personal savings to complete the restoration from the water damage, which has caused me to now fall behind on payments. Am requested that someone reaches out to movement mortgage to release funds that they are illegally withholding so that I can complete the work approved by the insurance company. Please also be advised I have XXXX XXXX XXXX XXXX XXXX XXXX there is black mold present due to water damage. This needs immediate attention to avoid further legal actions. Call placed today advised inspection was scheduled for XX/XX/09, but consumer, me was not contacted regarding this date. XXXX call back requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07
Company: JPMORGAN CHASE & CO.
State: WA
Product: Credit 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 made a reservation at XXXX XXXX XXXX ( confirmation # XXXX ) redeeming a " Free Night Award '' obtained through the Chase XXXX XXXX XXXX credit card. Reservation confirmation showed the " XXXX XXXX '' fee rate and my XXXX profile correctly showed the award redemption. On XX/XX/XXXX, at check-in, the hotel clerk confirmed the night was paid, but on XX/XX/XXXX, at check-out, they were asking for a payment of {$230.00} for the night. 

I tried to clarify and showed the " free night '' booking, and called the XXXX Customer Service in the US that agreed with me and they discussed with the hotel, but unfortunately the hotel clerk didn't change his position and insisted their systems showed the night wasn't free and needed to be paid. After 30 minutes discussing about it, I was risking losing a flight and was delaying the group of people I traveled with, so I decided to pay, trusting I would be able to clarify and solve the situation with Chase Bank ( issuer of the credit card with which I obtained the Free Night, same card that I used to pay the {$230.00} ) or XXXX XXXX. 

Back at home, I called Chase and they asked me to resolve this matter with XXXX. XXXX customer service agreed with me and opened the case XXXX, but they said that unfortunately they do not have any way to force the hotel to reimburse the night. I disputed the transaction with Chase but even after providing all the documentation, and disputing their first resolution, they still validated the charge with no explanation of why. Night award used shows as " redeemed ''. 

I am very disappointed with Chase that the credit card award program they promote, and for which I pay an annual fee, is subject to the fulfillment to XXXX hotels, and theres nothing they do if hotels do not comply with the program terms. Chase unfulfilled the terms of its XXXXXXXX XXXX XXXXXXXX credit card award program they advertise in the US.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am writing to file a complaint regarding an inaccurate late payment reporting on my credit reports by TD Bank. Specifically, TD Bank is reporting a 30-day late payment on my car loan in XX/XX/XXXX, which is not accurate. I have never been late on this account. 

On XX/XX/XXXX, I made a payment of {$390.00} to TD Bank for my car loan. However, the next statement generated by TD Bank showed a payment of {$390.00} was due on XX/XX/XXXX. I did a trade-in of my vehicle, a XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, in which the dealership was supposed to pay the payoff amount to TD Bank. Therefore, this late payment is not reporting accurately, as the payment to TD Bank was the responsibility of the dealership, not me. I drove off with a new car on XX/XX/XXXX. 

I have attached supporting documentation, including the statement from TD Bank showing the payment of {$390.00} I made towards the car note on XX/XX/XXXX, the statement from TD Bank showing a payment of {$390.00} due on XX/XX/XXXX, and the sales contract for the new car, dated XX/XX/XXXX, which includes additional details regarding the vehicle trade-in.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-22
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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:
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The XXXX Bureaus are reporting inaccurate information on NORDSTROM/TD BANK USA . Per FCRA, reporting must be 100 % accurate or the information must be deleted. 

NORDSTROM/TD BANK USA XXXX XXXX {$570.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06
Company: Nelnet, Inc.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
In XXXX XXXX XXXX I had made payments towards my unsubsidized loans in total of {$1600.00}. This money was supposed to pay off all my unsubsidized loans however it was backdated & was submitted to my subsidized loans instead. I have called XXXX separate occasions to tell them to reallocate them to the correct loan. I was told it would be transferred & there is proof on their end of this request. Months later I check there is still a balance on my unsubsidized loans and they had never reallocated the money. I also have emails confirming that two of my loans have been paid off yet it still shows a balance. I spoke to XXXX one of the managers at Nelnet on XXXX  and she told me that she sees that what I have said is true & it looks like the accounting team has messed up my payments. She told me that she would call me on XX/XX/XXXX in the morning at XXXX  PT because that would be when she can contact the accounting office when they are open again. but she never did call me back. Currently I have interest from that loan even thought I shouldnt have in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06
Company: TOYOTA MOTOR CREDIT CORPORATION
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Repossession
Sub-issue: Damage caused or loss of personal items in vehicle during the actual repossession

Complaint:
Im lodging complaint against TOYOTA MOTOR CREDIT CORP for unlawfully seizing my personal property, and I demand immediate return and restoration of my personal items.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
After examining my personal credit report, I have identified certain inaccuracies that could significantly impact my ability to purchase a home. While I understand that errors can occur, these particular mistakes could have detrimental implications. I am familiar with the dispute process and the time constraints that come with an investigation. The following errors have been identified : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I kindly request that you remove these inaccurate accounts from my credit report as soon as possible. Given the current economic challenges, the negative impact of incorrect information on my credit score is a major concern. I expect an updated credit report that reflects these changes within thirty ( 30 ) days.

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 2023-01-17
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
New checking account Citi bank promotion, {$1000.00} promotion added to a deposit of XXXX after 90 days. 180 days have passed and bonus was never paid, I have been to local branch 3 times with out resolution. I want to close account and move the funds to a Certificate of deposit however the banking associate instructed me not to close the account because I will lose any chance of getting the promotion. On top of not getting the bonus this checking account is preventing me from earning interest.

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 2023-12-06
Company: Nelnet, Inc.
State: NV
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
When scheduling my first payment after the federal pause, I tried to cancel the scheduled standard payment and make a custom payment that went entirely toward my highest interest loan which according to info on their website is within my legal right and wouldnt cause me to show as past due as long as the total payment matched the monthly amount due. Their website crashed several times while adjusting my payment and I was forced to log back in a minimum of five times. The website ended up withdrawing two payments from my bank account, one standard toward all loans and one adjusted to go toward only my highest interest loan. I emailed them to refund one of the payments as my budget does not accommodate double payments and they never responded. I made my second payment on my monthly due date of XX/XX/XXXX, the payment was processed successfully, but they now show my account past due which is incorrect, it should be one month ahead until they refund me. They do not respond to emails and their website is so glitchy and crashes so often requiring you to login multiple times to accomplish any action that I have no faith in their ability to execute even the bare minimum of their responsibilities in servicing my federal student loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17
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:
I requested that Transunion complete a thorough investigation of several accounts listed on my credit report. Transunion 's response was that my account was properly investigated and that all items in question were verified by their data furnisher. I do not understand how this is possible when there are several accounts listed with the following inaccuracies : inaccurate open date, inaccurate date of last activity, inaccurate closed date, inaccurate high balance, inaccurate payment status and activity, inaccurate past due amounts, inaccurate closed date, unknown accounts, inaccurate balance owed, and monthly reported charge off status with old accounts. There's a plethora of inaccuracies being reported that not only misrepresents me, diminishes my character, and contributes to severe financial hardships including homelessness, but also violates my rights under several laws listed below ( a couple typed below ). This is grounds for removal immediately. 15 U.S.C. 1681 section 602 A. States that I have the right to privacy 15 U.S.C. 1681 section 604 A Section 2 : states that consumer credit reporting agencies can not furnish an account without my written instructions.

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 2019-12-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Bank of America charged a Bank of America credit card in my name that I never received and never activated and never authorized and is now also charging me late fees.

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 2023-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 regard to the inaccurate and unknown accounts on my credit report. There are multiple errors shown in my report. Please verify that all accounts are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these accounts and fix the 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-11
Company: WELLS FARGO & COMPANY
State: AL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I tryed to refinance my loan.last month and said they couldnt because i didnt recomfirm my loan in XXXX XXXX years ago, not reporting it on my credit report, saying they dont have title to my home, saying i was behind with them, my mortgage is current and know it has been current since they refinanced it, i have been paying it and they arent reporting it.belive they should just send me my paper work saying its payed off, bad company, considering getting attorney against wellsfargo

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 2023-05-03
Company: Affirm Holdings, Inc
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Last year, I was going to go on a trip to LA in XXXX of 2022. I booked a flight and had payments set up for Affirm with XXXX XXXX. 

Upon learning that the trip would no longer take place, I immediately canceled the flight. As you'll see from the emails, I canceled quite a bit of time before the flight was even going to take place. I reached out to XXXX XXXX, and they immediately understood and canceled everything, because I gave them plenty of notice. 

I then reached out to Affirm and let them know that I canceled the flight and would not be taking the trip, but they continued to ask me to submit the proof, and then when I did they would ignore it. 

I submitted the proof a few times to affirm- which they ignored and then sent off to XXXX, a debt collection company, for absolutely no reason, since the airline canceled the tickets. I have about 20 attachments of proof of me reaching out to both Affirm, and XXXX  XXXX. They're ruining my credit, they have been extremely negligent, and plain outright annoying over something I had canceled and brought to Affirms 's attention several times. It was literally a plane ticket that I had canceled!

Company response to consumer: Closed with explanation