BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-31
Company: FIFTH THIRD FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
I was a victim of identity theft on XX/XX/2022. 

Today I called the Fraud department of Fifth Third Bank and the customer service department and asked to have a security password placed on my account. They told me to visit a branch location. I advised them to look at my address, I reside in XXXX XXXX  area and there are no branches near me, so what is the process for those customers residing outside the bank footprint? They said there is nothing in place. 

I consider this an act of a privacy issue. I want to secure my credit card and they have no options for me thus to me, creating a privacy risk for those that have a 5/3 card but reside outside of a banking area. This is a compliance issue and a regulatory issue, especially when I advised them I was a victim of identity theft and needed additional security protections on my card. 

This shows a gap in their privacy, compliance and risk management policies and procedures. Customers like myself can not be protected is what they are telling me and that is not an acceptable answer. 

The CFPB should investigate this bank for the lack of risk measures to assist card holders outside their banking locations with a process to secure our credit cards. This shows a lack of judgment on their part and a total lack of not protecting my privacy to secure my credit card after an Identity Theft situation or any situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I am a victim of Identity theft. My Bank of America and XXXX XXXX  account got hack on XX/XX/2022. 
XXXX ) Hackers were able to transfer all my money from My Bank of America Checking and savings account. I called to Bank Of America fraud department and request to resolved this issue but I have not heard from them yet. 

XXXX ) Hackers were able to transfer {$5000.00} from my account to his account ( XXXX bank ). XXXX XXXX were able to detect this fraud and revert back my money to my new wells fargo account. 

I still don't know how did this happened. I want to know why it happened to my account so in future no one will be victim like me. I also need my money back from Bank of America.

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 2018-09-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California, XXXX XXXX Bank Of America XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Dear Sir or Madam : I am writing to dispute a 3 billing errors in the total of {$1700.00} on my account. The amount was unauthorized by me because Ive called on XX/XX/XXXX and specifically requested to delete the authorized user on my account and I clearly mentioned that I dont want him to use my card limit starting that day. Your Associate confirmed that he deleted him and he no longer can use my card limit. I called your customer service on XX/XX/XXXX to inform them that I was surprised with 3 different transaction made on XX/XX/XXXX & XX/XX/XXXX for the above mentioned total! all they can offer me is an apology for the mistake that my account was not blocked from the beginning as requested by me and that they can not do anything about it. I am requesting that the error be corrected, that any finance and other charges related to the amount be credited as well, and that I receive an accurate statement. 

Enclosed are copy of my statement showing the highlighted transaction that were made after my request. Please investigate this matter and correct the billing error as soon as possible as I believe we would avoid all this situation if the bank just processed my request. Please note that Ill be  submitting a copy of this letter to the CFPB. 

Sincerely,

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 2022-10-31
Company: Experian Information Solutions Inc.
State: GA
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, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 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 or 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 explanation
Consumer complaint received 2022-10-18
Company: Maximus Education, LLC dba Aidvantage
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I have been trying to receive a refund from Aidvantage, prior to applying to student loan forgiveness. I first contacted Aidvantage on XX/XX/22 about receiving a refund via direct deposit, for loans that I have paid off during the loan freeze. I did not receive any sort of paper trail of the discussion even though I asked for an email confirmation detailing the refund request. I called again XX/XX/22 to ask for an update and an email confirmation of my refund request. I was told it would take 4 weeks to reveive the refund, from when I put in the request, yet I have not receive a refund. My balance has not been updated either. I also never received an email confirmation of this call. There has been zero communication nor updates on behalf of Aidvantage.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18
Company: Experian Information Solutions Inc.
State: GA
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. 

Account Name : XXXX, Account Number # XXXX, Account Name : XXXX  Account Number # XXXX, Account name : XXXX, Account Number # XXXX, Account Name : XXXX XXXX XXXX, Account XXXX # XXXX, and XXXX XXXX XXXX, Account Number # XXXX Has violated my rights. 

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

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

15 U.S.C 1681c ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information 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 2023-11-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I contacted Bank of America several times about a fraudulent bank transfer. The first time they marked my claim as user error, but I called about a fraudulent transaction. They should have been able to suspend the transaction as it was before business hours on a Monday morning. After they sent the first letter denying my claim stating I input the information wrong I had to call back because the claim should have been filed as Fraud. Ive had to go back and forth with them several times and I have repeatedly requested back up documentation showing that the money was transferred to my account, which they have yet to provide. They are not completing any type of real investigation and none of the supervisors have access to phones for me to discuss this with. I find that incredibly hard to believe that a manager/supervisor works with no communication to the team.

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 2022-12-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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:
Hello, I recently signed up with the Capital one Savor One Credit Card in XXXX. I was told that I would be getting a sign on bonus online when i signed up. It was advertised a sign on bonus of spending XXXX $ and getting {$200.00} back. I met the minimum spend requirement like they said but I did not get the sign on bonus. I called on XX/XX/XXXX and asked about it and they said I did not qualify even though it was advertised when I signed up and it said I would get it online when I signed up. They said there is no way for me to get it even though It said I would get it online when I signed up. I also asked why i was not told that I didn't get the sign on bonus then if I didn't qualify and they said that Capital one does not tell you if you don't qualify or not even though they advertise it like that.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I sent a letter over 45 days ago. According to the FCRA, I'm aware that you have 30 days to investigate and respond to my dispute.You must remove the inaccurate information on my credit report immediately. I reattempted to contact you with a follow up letter but there was still no response.

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 2023-11-22
Company: NAVY FEDERAL CREDIT UNION
State: IL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I was XXXX  in the Illinois XXXX  XXXX XXXX from XXXX through XXXX. During that time someone gained access to my debit card and charged over {$15000.00} worth of charges to my account. They updated the amount t to {$12000.00} almost immediately after receiving my claim for some reason. I sent a letter to NAVY FEDERAL CREDIT UNION in XXXX ( which they received XX/XX/2023 ) to explain that my account had been wrongfully accessed and I was in jail and needed it to be locked because of fraud. They locked my account on XX/XX/XXXX. When I exited jail on XXXX I called them and explained the situation. They had me submit my incarceration paperwork and all of my identity verifying information. Once I submitted everything they needed, They told me they have a XXXX liability policy and it was clearly fraud and that I needed to fill out paperwork to begin my fraud claim. I did that and submitted everything ( after many MANY attempts to get them to accept a fax ). They opened my claim on XX/XX/2023 and told me that I would receive a provisional credit anywhere from 2 hrs to 10 business days. I continued to call and check on the status of my claim and they kept changing the provisional credit dates. It went from the XXXX, to the XXXX and then to the XXXX. On the XXXX I called to find out why I was still not receiving my credit and they informed me that my claim was denied. Navy federal is known for not paying fraud claims but this is insane. I mean I was in XXXX. Theres absolutely no way that I couldve made these charges and a fraud claim couldnt be anymore clear cut than this. I need something to be done about this and have my money returned.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03
Company: Aspen Yo LLC
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Payment process

Complaint:
In XXXX of XXXX after filing another Complaint see XXXX with CFPB. 

I was approved for the XXXX XXXX XXXX XXXX After months of underwriting I signed Document for this Federal Program on XX/XX/XXXX. The Default amount was not paid to Gregory Funding, HAF stated Gregory Funding LLC is refusing funds. Gregory Funding says HAF never sent money, I have received another letter with Intent to foreclose if not reinstated by XX/XX/XXXX. I was approved for up to {$60000.00} and a lien has all ready been put on my property. This would included all reinstatements, plus I was approval for additional 12 months of Mortgage payments through this Oregon Housing Assistance Program. 
The Amount on my mortgage statement on XX/XX/XXXX was {$14.00}, XXXX to reinstate loan. 
HAF says a payment of {$10.00}, XXXX was disbursed on XX/XX/XXXXXXXX XXXX XXXXXXXX which was refused by Gregory Funding LLC on XX/XX/XXXX {$1300.00} for XXXX Payment XXXX was excepted ID XXXX on XX/XX/XXXX {$1300.00} for XXXX Payment XXXX was excepted ID XXXX on XX/XX/XXXX {$1300.00} for XXXX Payment XXXX is still pending no explanation no further payments made by HAF. they say Gregory Funding is refusing, or account number has changes or its an internal issue. Each month is a different excuse. 
Gregory funding says they received an XXXXXXXX  on XX/XX/XXXX from HAF saying a payment of {$11.00}, XXXX was on the way. This was never received. The amount due on my Mortgage Statement at that time was {$16.00}, XXXX XXXX Escrow shortage. to date total Due over {$24000.00}, XXXX .... This programs is part of the CARES ACT

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 ( FCRA ) these creditors have violated my rights for these accounts : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Due to the following : [ 15U.S.C. 1681 ] Section 602A states that I have the right to privacy.

[ 15U.S.C. 1681 ] Section 604A, Section 2 states that a consumer reporter agency can not furnish an account without my written instruction or consent.

[ 15U.S.C. 1681 ] Section 603 Section 2A, Subsection ( iii ) states that communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons.

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 2018-08-11
Company: JPMORGAN CHASE & CO.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Someone withdrew money from my checking account using chase banks quickpay with XXXX without my authorization. I have never signed up for the service but chase allowed someone to withdraw money anyway. Now they keep sayi g I authorized the transaction and are demanding I prove otherwise. They also have frozen my account so I have no access to my money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-02
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:
I am very distressed that you have STILL included the below information in my credit profile which is creating damaging effects on my good credit standing. No doubt the inclusion of this inaccurate information is a mistake on your part. The other credit reporting agencies found inaccuracies with information listed and removed or updated them without incident. You, however, seem to claim you've verified the accuracy of the information. under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Equifax is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor.. I need the account corrected now! 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15
Company: Shellpoint Partners, LLC
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:
On XX/XX/XXXX I was denied for a mortgage loan to do a " Charge off '' account being listed on my credit report. According to the credit report this account was open in XXXX and status was updated in XX/XX/XXXX in the amount of {$44000.00}. The balance according to the report was updated in XX/XX/XXXX. I have called the mortgage company listed on the report and they have no record of me ( address, phone number, account number, SSN ). They told me there is nothing they can do about it. XXXX has closed my case as well. They said if I can present them with an account number they can help me. However I only have the partial account number listed on the report. I have no further information.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Credit reporting 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 just learned that my identity was breached and data was hacked through XXXX 's website. I have had ongoing issues with IDme.gov sending me pings at various times when I personally am not on their website or using any services online. This was the first sign that something was wrong then I kept getting my XXXX card declined because of Fraud again and spent over 35 hours on the phone with them paying extra fees to have new cards expedited to me so I could pay bills. I also noticed on my credit report that my data was distributed on the dark web. I am currently in school and will be graduating soon and am also in the market to buy a house for me and my XXXX daughters. I am a XXXX  parent who is struggling financially and can not believe I have this many issues with credit cards, that I also had to call and have charges removed multiple times ( XXXX hours ), that is to XXXX  and Capital One over the past year. I am severely affected by all of this and sometimes feel XXXX  and XXXX due to the amount of harassment from the credit card companies with no resolve. I chose to walk away and file with a debt management company out of desperation. I don't know where I went wrong until I found out about my data/identity theft yesterday XX/XX/23 on the XXXX website now it all makes sense. And why did nobody tell me earlier this is disappointing and scary! If my data is already being used elsewhere my business is also at risk. I am a business owner and recently signed up on the XXXX and XXXX website that also reported suspicious activity that was unknown but a large amount of unknown information? Where do I get resolve I am only one person work full-time and attend school online ( bachelors ) and am worried my student loans may have been impacted too. I don't know where to start or to end because I have had multiple inquiries on my credit report recently I wouldn't know where to start. This data breach is ruining my chances of ever owning a home or making large life purchases and its not only one card or one loan its multiple accounts please help.

Company response to consumer: Closed with explanation